Model

Robo-advisor: 20 ways to use Ora

Automated portfolios: rebalancing triggers, tax-loss harvesting candidates and risk dials. Each example is a complete, runnable request with the real answers it returned (43 requests, captured 2026-10-31), what they mean and, where it fits, the action it would send.

Run withAnswers were captured on ora-fin-0.1.1. Another model changes the request JSON and the Playground link; run it there to see its answers.

Rule functions and facts used by this player (25)

sma 16 offset 9 max 7 atr 6 ref 5 log 4 sqrt 4 std 4 pays_dividend 3 div_yield_ttm 2 lowest 2 macd 1 macdsignal 1 zscore 1 div_count_ttm 1 roc 1 min 1 adx 1 diminus 1 diplus 1 avg 1 bblower 1 cci 1 ema 1 rsi 1

Examples 1–10 of 20 · page 1 of 2

Robo-advisor · example 1

Rebalancing trigger for a stock/bond model: VTI and BND

Decide whether the nightly rebalancer should run for a sleeve, using drawdown and trend states instead of a fixed calendar.

ora-fin-0.1.12 symbols, one request each4 questions2 actions

State2 symbols
Questions4 asked
Answersreal, captured
Actions2 rules · dry run

State

{"symbol":"VTI"} then BND, one request each. The server fills in the latest completed session.

Questions

`dd`	rule	`C < 0.8 * max(H, 252)` More than 20% off the 52-week high
`down_month`	English → rule	Is the stock down more than 5% over the last month?
`up_10_3m`	English → rule	Is the stock up more than 10% over the last three months?
`trend`	English → rule	Is the stock above its 200-day moving average?

Answers

Symbol	`dd`rule	`down_month`rule	`up_10_3m`rule	`trend`rule	Fired
`VTI`	0.0537	0.0662	0.0537	0.9415	`skip`
`BND`	0.0537	0.0537	0.0537	0.2013	`skip`

true false not known for rules; forecasts are odds. Hover a column for its question.

Actions

Rules on the answers decide what to send. Each symbol runs its own request, so each one can fire.

dd >= 0.6 or down_month >= 0.6 or up_10_3m >= 0.6→Webhookrebalancer

else→Webhookrebalancer

VTI 1 of 2 fired · dry run, nothing sent

rebalancerule false: skipped

skipwould send (dry run)Webhook → rebalancer

{
  "sleeve": "VTI",
  "action": "skip",
  "as_of": "2026-10-30"
}

BND 1 of 2 fired · dry run, nothing sent

rebalancerule false: skipped

skipwould send (dry run)Webhook → rebalancer

{
  "sleeve": "BND",
  "action": "skip",
  "as_of": "2026-10-30"
}

What it means

Session of 2026-10-30, 2 symbols: More than 20% off the 52-week high: true for none of 2. Is the stock down more than 5% over the last month: true for none of 2. Is the stock up more than 10% over the last three months: true for none of 2. Is the stock above its 200-day moving average: true for VTI of 2. rebalance fired for none. skip fired for VTI, BND.

A big move in either direction asks the rebalancer to check its bands; a quiet sleeve is skipped, which saves trades and taxes.

Request JSON (VTI; the others differ only in the symbol)

{
  "model": "ora-fin-0.1.1",
  "state": {
    "symbol": "VTI"
  },
  "questions": {
    "dd": {
      "type": "yes_no",
      "ask": "C < 0.8 * max(H, 252)"
    },
    "down_month": {
      "type": "yes_no",
      "instructions": "Is the stock down more than 5% over the last month?"
    },
    "up_10_3m": {
      "type": "yes_no",
      "instructions": "Is the stock up more than 10% over the last three months?"
    },
    "trend": {
      "type": "yes_no",
      "instructions": "Is the stock above its 200-day moving average?"
    }
  },
  "actions": [
    {
      "id": "rebalance",
      "when": "dd >= 0.6 or down_month >= 0.6 or up_10_3m >= 0.6",
      "do": "webhook",
      "connection": "rebalancer",
      "body": {
        "sleeve": "{{symbol}}",
        "action": "check_bands",
        "p_drawdown20": "{{dd}}",
        "p_down5_month": "{{down_month}}",
        "p_up10_3m": "{{up_10_3m}}",
        "as_of": "{{as_of}}"
      }
    },
    {
      "id": "skip",
      "when": "else",
      "do": "webhook",
      "connection": "rebalancer",
      "body": {
        "sleeve": "{{symbol}}",
        "action": "skip",
        "as_of": "{{as_of}}"
      }
    }
  ],
  "dry_run": true
}

Response JSON (VTI, real)

{
  "model": "ora-fin-0.1.1",
  "answers": {
    "dd": {
      "yes_no": 0.0537,
      "rule": "C < 0.8 * max(H, 252)",
      "basis": "rule"
    },
    "down_month": {
      "yes_no": 0.0662,
      "rule": "C / C[-21] - 1 < -0.05",
      "basis": "pattern"
    },
    "up_10_3m": {
      "yes_no": 0.0537,
      "rule": "C / C[-63] - 1 > 0.1",
      "basis": "pattern"
    },
    "trend": {
      "yes_no": 0.9415,
      "rule": "C > sma(C, 200)",
      "basis": "comparison"
    }
  },
  "context": {
    "symbol": "VTI",
    "as_of": "2026-10-30"
  },
  "actions": [
    {
      "id": "rebalance",
      "fired": false,
      "status": "skipped"
    },
    {
      "id": "skip",
      "fired": true,
      "status": "dry_run",
      "do": "webhook",
      "connection": "rebalancer",
      "preview": {
        "body": {
          "sleeve": "VTI",
          "action": "skip",
          "as_of": "2026-10-30"
        }
      }
    }
  ]
}

max offset sma

Try it in the Playground

Robo-advisor · example 2

Tax-loss harvesting candidates among international funds

Flag funds trading well below where clients likely bought them, so the harvester can evaluate a swap into a similar fund.

ora-fin-0.1.15 symbols, one request each4 questions

State5 symbols
Questions4 asked
Answersreal, captured
Actionsnone

State

{"symbol":"VEA"} then VWO, EFA, EEM, VXUS, one request each. The server fills in the latest completed session.

Questions

`down_3m`	rule	`C < C[-63] * 0.93` down more than 7% from three months ago
`below_200`	English → rule	Is the stock below its 200-day moving average?
`dd`	rule	`C < 0.8 * max(H, 252)` More than 20% off the 52-week high
`rally5`	forecast	Will it rally at least 5% at some point in the next month? A 5% rally within a month

Answers

Symbol	`down_3m`rule	`below_200`rule	`dd`rule	`rally5`forecast
`VEA`	0.0644	0.4123	0.0537	0.261
`VWO`	0.2307	0.9113	0.0537	0.283
`EFA`	0.0861	0.3291	0.0537	0.181
`EEM`	0.2033	0.8551	0.0718	0.49
`VXUS`	0.0747	0.6745	0.0537	0.269

true false not known for rules; forecasts are odds. Hover a column for its question.

What it means

Session of 2026-10-30, 5 symbols: down more than 7% from three months ago: true for none of 5. Is the stock below its 200-day moving average: true for VWO, EEM, VXUS of 5. More than 20% off the 52-week high: true for none of 5. Highest odds for “A 5% rally within a month”: EEM at 49%.

Price rules only find candidates; the harvester still checks each client's lots and wash-sale windows before acting.

Request JSON (VEA; the others differ only in the symbol)

{
  "model": "ora-fin-0.1.1",
  "state": {
    "symbol": "VEA"
  },
  "questions": {
    "down_3m": {
      "type": "yes_no",
      "ask": "C < C[-63] * 0.93"
    },
    "below_200": {
      "type": "yes_no",
      "instructions": "Is the stock below its 200-day moving average?"
    },
    "dd": {
      "type": "yes_no",
      "ask": "C < 0.8 * max(H, 252)"
    },
    "rally5": {
      "type": "yes_no",
      "instructions": "Will it rally at least 5% at some point in the next month?"
    }
  }
}

Response JSON (VEA, real)

{
  "model": "ora-fin-0.1.1",
  "answers": {
    "down_3m": {
      "yes_no": 0.0644,
      "rule": "C < C[-63] * 0.93",
      "basis": "rule"
    },
    "below_200": {
      "yes_no": 0.4123,
      "rule": "C < sma(C, 200)",
      "basis": "comparison"
    },
    "dd": {
      "yes_no": 0.0537,
      "rule": "C < 0.8 * max(H, 252)",
      "basis": "rule"
    },
    "rally5": {
      "yes_no": 0.261
    }
  },
  "context": {
    "symbol": "VEA",
    "as_of": "2026-10-30"
  }
}

max offset sma

Try it in the Playground

Robo-advisor · example 3

Nightly risk dial for the equity sleeve (SPY)

Move a three-position risk dial (normal, cautious, defensive) from trend and volatility rules plus the drawdown forecast.

ora-fin-0.1.1SPY5 questions3 actionsworkflow · Mon–Fri at 17:00 ET

ScheduleMon–Fri at 17:00 ET
StateSPY
Questions5 asked
Answersreal, captured
Actions3 rules · dry run

State

{"symbol":"SPY"} The server fills in the latest completed session.

Questions

`trend`	English → rule	Is the stock above its 200-day moving average?
`sma_up`	rule	`sma(C, 200) > ref(sma(C, 200), -20)` The 200-day average is rising
`hv`	English → rule	Is 20-day historical volatility above 25%?
`drop5`	forecast	Will it drop at least 5% at some point in the next month? A 5% drawdown within a month
`vol_up`	forecast	Will volatility be higher over the next month? Higher volatility next month

Answers

Question	Answer	Reading
`trend` Is the stock above its 200-day moving average compiled to `C > sma(C, 200)`	0.9451	true
`sma_up` The 200-day average is rising	0.9463	true
`hv` Is 20-day historical volatility above 25% compiled to `std(log(C / C[-1]), 20) * sqrt(20 / 19) * sqrt(252) > 0.25`	0.0537	false
`drop5` A 5% drawdown within a month	0.203	20% · unlikely
`vol_up` Higher volatility next month	0.69	69% · likely

Actions

Rules on the answers decide what to send.

trend < 0.4 and drop5 >= 0.5→Webhookrisk-dial

hv >= 0.6 or vol_up >= 0.7→Webhookrisk-dial

else→Webhookrisk-dial

What each action would send 1 of 3 fired · dry run, nothing sent

defensiverule false: skipped

cautiousrule false: skipped

normalwould send (dry run)Webhook → risk-dial

{
  "sleeve": "us_equity",
  "dial": "normal",
  "as_of": "2026-10-30"
}

What it means

For SPY on the session of 2026-10-30: True now: Is the stock above its 200-day moving average; The 200-day average is rising. Not true: Is 20-day historical volatility above 25%. Forecasts: A 5% drawdown within a month 20%; Higher volatility next month 69%. Fired: normal (Webhook → risk-dial).

Branches are checked in order, so defensive wins over cautious; the dial changes the target mix only within limits the investment committee set.

As a scheduled workflow (Mon–Fri at 17:00 ET)

Create it under Workflows in the console: it runs these questions for every symbol on the schedule and fires the actions per symbol. The answers above are what one run returned.

{
  "name": "Nightly risk dial for the equity sleeve (SPY)",
  "symbols": "SPY",
  "days": [
    1,
    2,
    3,
    4,
    5
  ],
  "at_time": "17:00",
  "model": "ora-fin-0.1.1",
  "questions": {
    "trend": {
      "type": "yes_no",
      "instructions": "Is the stock above its 200-day moving average?"
    },
    "sma_up": {
      "type": "yes_no",
      "ask": "sma(C, 200) > ref(sma(C, 200), -20)"
    },
    "hv": {
      "type": "yes_no",
      "instructions": "Is 20-day historical volatility above 25%?"
    },
    "drop5": {
      "type": "yes_no",
      "instructions": "Will it drop at least 5% at some point in the next month?"
    },
    "vol_up": {
      "type": "yes_no",
      "instructions": "Will volatility be higher over the next month?"
    }
  },
  "actions": [
    {
      "id": "defensive",
      "when": "trend < 0.4 and drop5 >= 0.5",
      "do": "webhook",
      "connection": "risk-dial",
      "body": {
        "sleeve": "us_equity",
        "dial": "defensive",
        "p_trend": "{{trend}}",
        "p_drop5": "{{drop5}}",
        "as_of": "{{as_of}}"
      }
    },
    {
      "id": "cautious",
      "when": "hv >= 0.6 or vol_up >= 0.7",
      "do": "webhook",
      "connection": "risk-dial",
      "body": {
        "sleeve": "us_equity",
        "dial": "cautious",
        "p_hv25": "{{hv}}",
        "p_vol_up": "{{vol_up}}",
        "as_of": "{{as_of}}"
      }
    },
    {
      "id": "normal",
      "when": "else",
      "do": "webhook",
      "connection": "risk-dial",
      "body": {
        "sleeve": "us_equity",
        "dial": "normal",
        "as_of": "{{as_of}}"
      }
    }
  ]
}

Request JSON

{
  "model": "ora-fin-0.1.1",
  "state": {
    "symbol": "SPY"
  },
  "questions": {
    "trend": {
      "type": "yes_no",
      "instructions": "Is the stock above its 200-day moving average?"
    },
    "sma_up": {
      "type": "yes_no",
      "ask": "sma(C, 200) > ref(sma(C, 200), -20)"
    },
    "hv": {
      "type": "yes_no",
      "instructions": "Is 20-day historical volatility above 25%?"
    },
    "drop5": {
      "type": "yes_no",
      "instructions": "Will it drop at least 5% at some point in the next month?"
    },
    "vol_up": {
      "type": "yes_no",
      "instructions": "Will volatility be higher over the next month?"
    }
  },
  "actions": [
    {
      "id": "defensive",
      "when": "trend < 0.4 and drop5 >= 0.5",
      "do": "webhook",
      "connection": "risk-dial",
      "body": {
        "sleeve": "us_equity",
        "dial": "defensive",
        "p_trend": "{{trend}}",
        "p_drop5": "{{drop5}}",
        "as_of": "{{as_of}}"
      }
    },
    {
      "id": "cautious",
      "when": "hv >= 0.6 or vol_up >= 0.7",
      "do": "webhook",
      "connection": "risk-dial",
      "body": {
        "sleeve": "us_equity",
        "dial": "cautious",
        "p_hv25": "{{hv}}",
        "p_vol_up": "{{vol_up}}",
        "as_of": "{{as_of}}"
      }
    },
    {
      "id": "normal",
      "when": "else",
      "do": "webhook",
      "connection": "risk-dial",
      "body": {
        "sleeve": "us_equity",
        "dial": "normal",
        "as_of": "{{as_of}}"
      }
    }
  ],
  "dry_run": true
}

Response JSON (SPY, real)

{
  "model": "ora-fin-0.1.1",
  "answers": {
    "trend": {
      "yes_no": 0.9451,
      "rule": "C > sma(C, 200)",
      "basis": "comparison"
    },
    "sma_up": {
      "yes_no": 0.9463,
      "rule": "sma(C, 200) > ref(sma(C, 200), -20)",
      "basis": "rule"
    },
    "hv": {
      "yes_no": 0.0537,
      "rule": "std(log(C / C[-1]), 20) * sqrt(20 / 19) * sqrt(252) > 0.25",
      "basis": "pattern"
    },
    "drop5": {
      "yes_no": 0.203
    },
    "vol_up": {
      "yes_no": 0.69
    }
  },
  "context": {
    "symbol": "SPY",
    "as_of": "2026-10-30"
  },
  "actions": [
    {
      "id": "defensive",
      "fired": false,
      "status": "skipped"
    },
    {
      "id": "cautious",
      "fired": false,
      "status": "skipped"
    },
    {
      "id": "normal",
      "fired": true,
      "status": "dry_run",
      "do": "webhook",
      "connection": "risk-dial",
      "preview": {
        "body": {
          "sleeve": "us_equity",
          "dial": "normal",
          "as_of": "2026-10-30"
        }
      }
    }
  ]
}

log offset ref sma sqrt std

Try it in the Playground

Robo-advisor · example 4

Duration check for the bond sleeve: TLT, IEF and SHY

See whether long, intermediate and short Treasuries are trending, to decide which duration bucket gets new cash.

ora-fin-0.1.13 symbols, one request each4 questions

State3 symbols
Questions4 asked
Answersreal, captured
Actionsnone

State

{"symbol":"TLT"} then IEF, SHY, one request each. The server fills in the latest completed session.

Questions

`trend`	rule	`C > sma(C, 50)` Above the 50-day average
`ma_up`	rule	`sma(C, 50) > ref(sma(C, 50), -10)` The 50-day average is rising
`macd`	English → rule	Is the MACD line above its signal line?
`up_week`	forecast	Will the stock be higher in a week? Higher in a week

Answers

Symbol	`trend`rule	`ma_up`rule	`macd`rule	`up_week`forecast
`TLT`	0.8482	0.1584	0.9084	0.561
`IEF`	0.8514	0.0882	0.9223	0.483
`SHY`	0.8971	0.1624	0.9225	0.594

true false not known for rules; forecasts are odds. Hover a column for its question.

What it means

Session of 2026-10-30, 3 symbols: Above the 50-day average: true for TLT, IEF, SHY of 3. The 50-day average is rising: true for none of 3. Is the MACD line above its signal line: true for TLT, IEF, SHY of 3. Highest odds for “Higher in a week”: SHY at 59%.

The same questions across durations show where the trend is; cash goes to the policy weight first and the tilt is small.

Request JSON (TLT; the others differ only in the symbol)

{
  "model": "ora-fin-0.1.1",
  "state": {
    "symbol": "TLT"
  },
  "questions": {
    "trend": {
      "type": "yes_no",
      "ask": "C > sma(C, 50)"
    },
    "ma_up": {
      "type": "yes_no",
      "ask": "sma(C, 50) > ref(sma(C, 50), -10)"
    },
    "macd": {
      "type": "yes_no",
      "instructions": "Is the MACD line above its signal line?"
    },
    "up_week": {
      "type": "yes_no",
      "instructions": "Will the stock be higher in a week?"
    }
  }
}

Response JSON (TLT, real)

{
  "model": "ora-fin-0.1.1",
  "answers": {
    "trend": {
      "yes_no": 0.8482,
      "rule": "C > sma(C, 50)",
      "basis": "rule"
    },
    "ma_up": {
      "yes_no": 0.1584,
      "rule": "sma(C, 50) > ref(sma(C, 50), -10)",
      "basis": "rule"
    },
    "macd": {
      "yes_no": 0.9084,
      "rule": "macd(C) > macdsignal(C)",
      "basis": "comparison"
    },
    "up_week": {
      "yes_no": 0.561
    }
  },
  "context": {
    "symbol": "TLT",
    "as_of": "2026-10-30"
  }
}

macd macdsignal ref sma

Try it in the Playground

Robo-advisor · example 5

Dividend sleeve health check: SCHD, VIG and VYM

Confirm the income funds still pay, are not in a deep drawdown, and keep their trend, before topping them up.

ora-fin-0.1.13 symbols, one request each4 questions

State3 symbols
Questions4 asked
Answersreal, captured
Actionsnone

State

{"symbol":"SCHD"} then VIG, VYM, one request each. The server fills in the latest completed session.

Questions

`pays`	English → rule	Does the stock pay a dividend?
`yield2`	English → rule	Is the dividend yield above 2%?
`trend`	English → rule	Is the stock above its 200-day moving average?
`dd`	rule	`C < 0.8 * max(H, 252)` More than 20% off the 52-week high

Answers

Symbol	`pays`rule	`yield2`rule	`trend`rule	`dd`rule
`SCHD`	0.8591	0.9463	0.9463	0.0537
`VIG`	0.8591	0.0537	0.9463	0.0537
`VYM`	0.8591	0.9463	0.9274	0.0537

true false not known for rules; forecasts are odds. Hover a column for its question.

What it means

Session of 2026-10-30, 3 symbols: Does the stock pay a dividend: true for SCHD, VIG, VYM of 3. Is the dividend yield above 2%: true for SCHD, VYM of 3. Is the stock above its 200-day moving average: true for SCHD, VIG, VYM of 3. More than 20% off the 52-week high: true for none of 3.

Fund-level dividend facts come from the fund's own distributions; the top-up only proceeds when trend and drawdown are clean.

Request JSON (SCHD; the others differ only in the symbol)

{
  "model": "ora-fin-0.1.1",
  "state": {
    "symbol": "SCHD"
  },
  "questions": {
    "pays": {
      "type": "yes_no",
      "instructions": "Does the stock pay a dividend?"
    },
    "yield2": {
      "type": "yes_no",
      "instructions": "Is the dividend yield above 2%?"
    },
    "trend": {
      "type": "yes_no",
      "instructions": "Is the stock above its 200-day moving average?"
    },
    "dd": {
      "type": "yes_no",
      "ask": "C < 0.8 * max(H, 252)"
    }
  }
}

Response JSON (SCHD, real)

{
  "model": "ora-fin-0.1.1",
  "answers": {
    "pays": {
      "yes_no": 0.8591,
      "rule": "pays_dividend > 0.5",
      "basis": "pattern"
    },
    "yield2": {
      "yes_no": 0.9463,
      "rule": "div_yield_ttm > 2",
      "basis": "pattern"
    },
    "trend": {
      "yes_no": 0.9463,
      "rule": "C > sma(C, 200)",
      "basis": "comparison"
    },
    "dd": {
      "yes_no": 0.0537,
      "rule": "C < 0.8 * max(H, 252)",
      "basis": "rule"
    }
  },
  "context": {
    "symbol": "SCHD",
    "as_of": "2026-10-30"
  }
}

div_yield_ttm max pays_dividend sma

Try it in the Playground

Robo-advisor · example 6

Target-date glide path: is the equity step-down safe this month (VOO)?

Before the scheduled step-down from stocks to bonds, check whether stocks are in a sharp selloff that would sell at a bad moment.

ora-fin-0.1.1VOO4 questions1 action

StateVOO
Questions4 asked
Answersreal, captured
Actions1 rule · dry run

State

{"symbol":"VOO"} The server fills in the latest completed session.

Questions

`selloff`	English → rule	Is the stock down more than 5% over the last month?
`shock`	rule	`zscore(C / C[-1] - 1, 20) < -2` A two-sigma down day
`bear`	English → rule	Is the stock in bear-market territory, more than 20% below its 52-week high?
`rally5`	forecast	Will it rally at least 5% at some point in the next month? A 5% rally within a month

Answers

Question	Answer	Reading
`selloff` Is the stock down more than 5% over the last month compiled to `C / C[-21] - 1 < -0.05`	0.0649	false
`shock` A two-sigma down day	0.6966	true
`bear` Is the stock in bear-market territory, more than 20% below its 52-week high compiled to `C < 0.8 * max(H, 252)`	0.0537	false
`rally5` A 5% rally within a month	0.22	22% · unlikely

Actions

Rules on the answers decide what to send.

selloff >= 0.6 or shock >= 0.6→Slackportfolio-ops

What each action would send 1 of 1 fired · dry run, nothing sent

defer_notewould send (dry run)Slack → portfolio-ops

{
  "text": "VOO (2026-10-30): selloff during the glide-path step (down 5% this month 6%, return shock 70%). Ops to review whether the step runs as scheduled."
}

What it means

For VOO on the session of 2026-10-30: True now: A two-sigma down day. Not true: Is the stock down more than 5% over the last month; Is the stock in bear-market territory, more than 20% below its 52-week high. Forecasts: A 5% rally within a month 22%. Fired: defer_note (Slack → portfolio-ops).

The glide path is policy; the note only asks a human to review timing within the allowed window.

Request JSON

{
  "model": "ora-fin-0.1.1",
  "state": {
    "symbol": "VOO"
  },
  "questions": {
    "selloff": {
      "type": "yes_no",
      "instructions": "Is the stock down more than 5% over the last month?"
    },
    "shock": {
      "type": "yes_no",
      "ask": "zscore(C / C[-1] - 1, 20) < -2"
    },
    "bear": {
      "type": "yes_no",
      "instructions": "Is the stock in bear-market territory, more than 20% below its 52-week high?"
    },
    "rally5": {
      "type": "yes_no",
      "instructions": "Will it rally at least 5% at some point in the next month?"
    }
  },
  "actions": [
    {
      "id": "defer_note",
      "when": "selloff >= 0.6 or shock >= 0.6",
      "do": "slack",
      "connection": "portfolio-ops",
      "message": "{{symbol}} ({{as_of}}): selloff during the glide-path step (down 5% this month {{selloff|pct}}, return shock {{shock|pct}}). Ops to review whether the step runs as scheduled."
    }
  ],
  "dry_run": true
}

Response JSON (VOO, real)

{
  "model": "ora-fin-0.1.1",
  "answers": {
    "selloff": {
      "yes_no": 0.0649,
      "rule": "C / C[-21] - 1 < -0.05",
      "basis": "pattern"
    },
    "shock": {
      "yes_no": 0.6966,
      "rule": "zscore(C / C[-1] - 1, 20) < -2",
      "basis": "rule"
    },
    "bear": {
      "yes_no": 0.0537,
      "rule": "C < 0.8 * max(H, 252)",
      "basis": "pattern"
    },
    "rally5": {
      "yes_no": 0.22
    }
  },
  "context": {
    "symbol": "VOO",
    "as_of": "2026-10-30"
  },
  "actions": [
    {
      "id": "defer_note",
      "fired": true,
      "status": "dry_run",
      "do": "slack",
      "connection": "portfolio-ops",
      "preview": {
        "text": "VOO (2026-10-30): selloff during the glide-path step (down 5% this month 6%, return shock 70%). Ops to review whether the step runs as scheduled."
      }
    }
  ]
}

max offset zscore

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Robo-advisor · example 7

Cash sleeve: are T-bill funds (SGOV, BIL) behaving like cash?

Check that the cash-equivalent funds are calm and paying, as a sanity test before sweeping idle cash into them.

ora-fin-0.1.12 symbols, one request each4 questions

State2 symbols
Questions4 asked
Answersreal, captured
Actionsnone

State

{"symbol":"SGOV"} then BIL, one request each. The server fills in the latest completed session.

Questions

`calm`	English → rule	Is the 14-day ATR less than 2% of the price?
`pays`	rule	`pays_dividend > 0.5` Pays a dividend
`monthly`	English → rule	Does the stock pay a monthly dividend?
`hv_low`	English → rule	Is 20-day historical volatility below 20%?

Answers

Symbol	`calm`rule	`pays`rule	`monthly`rule	`hv_low`rule
`SGOV`	0.9463	0.8591	0.8591	0.9463
`BIL`	0.9463	0.8591	0.8591	0.9463

true false not known for rules; forecasts are odds. Hover a column for its question.

What it means

Session of 2026-10-30, 2 symbols: Is the 14-day ATR less than 2% of the price: true for SGOV, BIL of 2. Pays a dividend: true for SGOV, BIL of 2. Does the stock pay a monthly dividend: true for SGOV, BIL of 2. Is 20-day historical volatility below 20%: true for SGOV, BIL of 2.

A T-bill fund that is not calm would be a data or market anomaly; the sweep waits for a human if any check fails.

Request JSON (SGOV; the others differ only in the symbol)

{
  "model": "ora-fin-0.1.1",
  "state": {
    "symbol": "SGOV"
  },
  "questions": {
    "calm": {
      "type": "yes_no",
      "instructions": "Is the 14-day ATR less than 2% of the price?"
    },
    "pays": {
      "type": "yes_no",
      "ask": "pays_dividend > 0.5"
    },
    "monthly": {
      "type": "yes_no",
      "instructions": "Does the stock pay a monthly dividend?"
    },
    "hv_low": {
      "type": "yes_no",
      "instructions": "Is 20-day historical volatility below 20%?"
    }
  }
}

Response JSON (SGOV, real)

{
  "model": "ora-fin-0.1.1",
  "answers": {
    "calm": {
      "yes_no": 0.9463,
      "rule": "atr(14) / C < 0.02",
      "basis": "pattern"
    },
    "pays": {
      "yes_no": 0.8591,
      "rule": "pays_dividend > 0.5",
      "basis": "rule"
    },
    "monthly": {
      "yes_no": 0.8591,
      "rule": "div_count_ttm >= 11",
      "basis": "pattern"
    },
    "hv_low": {
      "yes_no": 0.9463,
      "rule": "std(log(C / C[-1]), 20) * sqrt(20 / 19) * sqrt(252) < 0.2",
      "basis": "pattern"
    }
  },
  "context": {
    "symbol": "SGOV",
    "as_of": "2026-10-30"
  }
}

atr div_count_ttm log offset pays_dividend sqrt std

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Robo-advisor · example 8

Factor sleeve tilt: momentum, quality, value and low volatility

Read trend and relative strength across factor ETFs to size a small tilt inside policy limits.

ora-fin-0.1.14 symbols, one request each4 questions2 actions

State4 symbols
Questions4 asked
Answersreal, captured
Actions2 rules · dry run

State

{"symbol":"MTUM"} then QUAL, VLUE, USMV, one request each. The server fills in the latest completed session.

Questions

`trend`	English → rule	Is the stock above its 200-day moving average?
`momentum`	rule	`roc(C, 20) > 5` Up more than 5% in 20 sessions
`beat_spy`	forecast	Will it beat SPY over the next month? Beating SPY over a month
`up_week`	forecast	Will the stock be higher in a week? Higher in a week

Answers

Symbol	`trend`rule	`momentum`rule	`beat_spy`forecast	`up_week`forecast	Fired
`MTUM`	0.2691	0.0537	0.486	0.543	`neutral`
`QUAL`	0.9463	0.0554	0.495	0.618	`neutral`
`VLUE`	0.9291	0.058	0.512	0.606	`neutral`
`USMV`	0.9463	0.4568	0.427	0.616	`neutral`

true false not known for rules; forecasts are odds. Hover a column for its question.

Actions

Rules on the answers decide what to send. Each symbol runs its own request, so each one can fire.

trend >= 0.6 and beat_spy >= 0.55→Webhookrebalancer

else→Webhookrebalancer

MTUM 1 of 2 fired · dry run, nothing sent

tiltrule false: skipped

neutralwould send (dry run)Webhook → rebalancer

{
  "sleeve": "factor_MTUM",
  "action": "policy_weight",
  "as_of": "2026-10-30"
}

QUAL 1 of 2 fired · dry run, nothing sent

tiltrule false: skipped

neutralwould send (dry run)Webhook → rebalancer

{
  "sleeve": "factor_QUAL",
  "action": "policy_weight",
  "as_of": "2026-10-30"
}

VLUE 1 of 2 fired · dry run, nothing sent

tiltrule false: skipped

neutralwould send (dry run)Webhook → rebalancer

{
  "sleeve": "factor_VLUE",
  "action": "policy_weight",
  "as_of": "2026-10-30"
}

USMV 1 of 2 fired · dry run, nothing sent

tiltrule false: skipped

neutralwould send (dry run)Webhook → rebalancer

{
  "sleeve": "factor_USMV",
  "action": "policy_weight",
  "as_of": "2026-10-30"
}

What it means

Session of 2026-10-30, 4 symbols: Is the stock above its 200-day moving average: true for QUAL, VLUE, USMV of 4. Up more than 5% in 20 sessions: true for none of 4. Highest odds for “Beating SPY over a month”: VLUE at 51%. tilt fired for none. neutral fired for MTUM, QUAL, VLUE, USMV.

Factors with a true trend rule and better odds against SPY get the tilt; the tilt is capped so no factor dominates.

Request JSON (MTUM; the others differ only in the symbol)

{
  "model": "ora-fin-0.1.1",
  "state": {
    "symbol": "MTUM"
  },
  "questions": {
    "trend": {
      "type": "yes_no",
      "instructions": "Is the stock above its 200-day moving average?"
    },
    "momentum": {
      "type": "yes_no",
      "ask": "roc(C, 20) > 5"
    },
    "beat_spy": {
      "type": "yes_no",
      "instructions": "Will it beat SPY over the next month?"
    },
    "up_week": {
      "type": "yes_no",
      "instructions": "Will the stock be higher in a week?"
    }
  },
  "actions": [
    {
      "id": "tilt",
      "when": "trend >= 0.6 and beat_spy >= 0.55",
      "do": "webhook",
      "connection": "rebalancer",
      "body": {
        "sleeve": "factor_{{symbol}}",
        "action": "tilt_up",
        "max_tilt_pct": 2,
        "p_beat_spy": "{{beat_spy}}",
        "as_of": "{{as_of}}"
      }
    },
    {
      "id": "neutral",
      "when": "else",
      "do": "webhook",
      "connection": "rebalancer",
      "body": {
        "sleeve": "factor_{{symbol}}",
        "action": "policy_weight",
        "as_of": "{{as_of}}"
      }
    }
  ],
  "dry_run": true
}

Response JSON (MTUM, real)

{
  "model": "ora-fin-0.1.1",
  "answers": {
    "trend": {
      "yes_no": 0.2691,
      "rule": "C > sma(C, 200)",
      "basis": "comparison"
    },
    "momentum": {
      "yes_no": 0.0537,
      "rule": "roc(C, 20) > 5",
      "basis": "rule"
    },
    "beat_spy": {
      "yes_no": 0.486
    },
    "up_week": {
      "yes_no": 0.543
    }
  },
  "context": {
    "symbol": "MTUM",
    "as_of": "2026-10-30"
  },
  "actions": [
    {
      "id": "tilt",
      "fired": false,
      "status": "skipped"
    },
    {
      "id": "neutral",
      "fired": true,
      "status": "dry_run",
      "do": "webhook",
      "connection": "rebalancer",
      "preview": {
        "body": {
          "sleeve": "factor_MTUM",
          "action": "policy_weight",
          "as_of": "2026-10-30"
        }
      }
    }
  ]
}

roc sma

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Robo-advisor · example 9

Client email when the aggressive model's core fund (QQQ) drops sharply

Send a calm, pre-approved explainer to clients in the aggressive model when its core fund falls hard.

ora-fin-0.1.1QQQ4 questions1 action

StateQQQ
Questions4 asked
Answersreal, captured
Actions1 rule · dry run

State

{"symbol":"QQQ"} The server fills in the latest completed session.

Questions

`fell3`	English → rule	Did the stock fall more than 3% today?
`worst`	English → rule	Was today the worst day of the last 20 sessions?
`below_50`	English → rule	Is the stock below its 50-day moving average?
`drop5`	forecast	Will it drop at least 5% at some point in the next month? A 5% drawdown within a month

Answers

Question	Answer	Reading
`fell3` Did the stock fall more than 3% today compiled to `C / C[-1] - 1 < -0.03`	0.7217	true
`worst` Was today the worst day of the last 20 sessions compiled to `(C < C[-1]) and (C / C[-1] - 1 < ref(min(C / C[-1] - 1, 19), -1))`	0.7569	true
`below_50` Is the stock below its 50-day moving average compiled to `C < sma(C, 50)`	0.9347	true
`drop5` A 5% drawdown within a month	0.443	44% · close to even

Actions

Rules on the answers decide what to send.

fell3 >= 0.6 or worst >= 0.6→Emailclient-comms

What each action would send 1 of 1 fired · dry run, nothing sent

explainerwould send (dry run)Email → client-comms

{
  "subject": "About today's market drop",
  "text": "Your growth holdings fell today (QQQ, 2026-10-30). Drops like this are part of long-term investing; your plan already accounts for them. No action is needed."
}

What it means

For QQQ on the session of 2026-10-30: True now: Did the stock fall more than 3% today; Was today the worst day of the last 20 sessions; Is the stock below its 50-day moving average. Forecasts: A 5% drawdown within a month 44%. Fired: explainer (Email → client-comms).

The message is pre-approved and fires only on a real large drop; the forecast is kept internal and never quoted to clients.

Request JSON

{
  "model": "ora-fin-0.1.1",
  "state": {
    "symbol": "QQQ"
  },
  "questions": {
    "fell3": {
      "type": "yes_no",
      "instructions": "Did the stock fall more than 3% today?"
    },
    "worst": {
      "type": "yes_no",
      "instructions": "Was today the worst day of the last 20 sessions?"
    },
    "below_50": {
      "type": "yes_no",
      "instructions": "Is the stock below its 50-day moving average?"
    },
    "drop5": {
      "type": "yes_no",
      "instructions": "Will it drop at least 5% at some point in the next month?"
    }
  },
  "actions": [
    {
      "id": "explainer",
      "when": "fell3 >= 0.6 or worst >= 0.6",
      "do": "email",
      "connection": "client-comms",
      "subject": "About today's market drop",
      "message": "Your growth holdings fell today ({{symbol}}, {{as_of}}). Drops like this are part of long-term investing; your plan already accounts for them. No action is needed."
    }
  ],
  "dry_run": true
}

Response JSON (QQQ, real)

{
  "model": "ora-fin-0.1.1",
  "answers": {
    "fell3": {
      "yes_no": 0.7217,
      "rule": "C / C[-1] - 1 < -0.03",
      "basis": "pattern"
    },
    "worst": {
      "yes_no": 0.7569,
      "rule": "(C < C[-1]) and (C / C[-1] - 1 < ref(min(C / C[-1] - 1, 19), -1))",
      "basis": "pattern"
    },
    "below_50": {
      "yes_no": 0.9347,
      "rule": "C < sma(C, 50)",
      "basis": "comparison"
    },
    "drop5": {
      "yes_no": 0.443
    }
  },
  "context": {
    "symbol": "QQQ",
    "as_of": "2026-10-30"
  },
  "actions": [
    {
      "id": "explainer",
      "fired": true,
      "status": "dry_run",
      "do": "email",
      "connection": "client-comms",
      "preview": {
        "subject": "About today's market drop",
        "text": "Your growth holdings fell today (QQQ, 2026-10-30). Drops like this are part of long-term investing; your plan already accounts for them. No action is needed."
      }
    }
  ]
}

min offset ref sma

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Robo-advisor · example 10

Real estate sleeve: VNQ and XLRE trend and income

Decide whether the real estate sleeve stays at weight, using trend and yield facts.

ora-fin-0.1.12 symbols, one request each4 questions

State2 symbols
Questions4 asked
Answersreal, captured
Actionsnone

State

{"symbol":"VNQ"} then XLRE, one request each. The server fills in the latest completed session.

Questions

`trend`	rule	`div_yield_ttm > 2 and C > sma(C, 200)` Yield above 2% and above the 200-day
`yield3`	English → rule	Is the dividend yield above 3%?
`golden`	rule	`sma(C, 50) > sma(C, 200)` 50-day above the 200-day
`drop5`	forecast	Will it drop at least 5% at some point in the next month? A 5% drawdown within a month

Answers

Symbol	`trend`rule	`yield3`rule	`golden`rule	`drop5`forecast
`VNQ`	0.6285	0.8893	0.3761	0.218
`XLRE`	0.5384	0.7997	0.2752	0.202

true false not known for rules; forecasts are odds. Hover a column for its question.

What it means

Session of 2026-10-30, 2 symbols: Yield above 2% and above the 200-day: true for VNQ of 2. Is the dividend yield above 3%: true for VNQ, XLRE of 2. 50-day above the 200-day: true for none of 2. Highest odds for “A 5% drawdown within a month”: VNQ at 22%.

Yield in an uptrend supports staying at weight; a broken trend moves the sleeve toward the bottom of its band, never to zero.

Request JSON (VNQ; the others differ only in the symbol)

{
  "model": "ora-fin-0.1.1",
  "state": {
    "symbol": "VNQ"
  },
  "questions": {
    "trend": {
      "type": "yes_no",
      "ask": "div_yield_ttm > 2 and C > sma(C, 200)"
    },
    "yield3": {
      "type": "yes_no",
      "instructions": "Is the dividend yield above 3%?"
    },
    "golden": {
      "type": "yes_no",
      "ask": "sma(C, 50) > sma(C, 200)"
    },
    "drop5": {
      "type": "yes_no",
      "instructions": "Will it drop at least 5% at some point in the next month?"
    }
  }
}

Response JSON (VNQ, real)

{
  "model": "ora-fin-0.1.1",
  "answers": {
    "trend": {
      "yes_no": 0.6285,
      "rule": "div_yield_ttm > 2 and C > sma(C, 200)",
      "basis": "rule"
    },
    "yield3": {
      "yes_no": 0.8893,
      "rule": "div_yield_ttm > 3",
      "basis": "pattern"
    },
    "golden": {
      "yes_no": 0.3761,
      "rule": "sma(C, 50) > sma(C, 200)",
      "basis": "rule"
    },
    "drop5": {
      "yes_no": 0.218
    }
  },
  "context": {
    "symbol": "VNQ",
    "as_of": "2026-10-30"
  }
}

div_yield_ttm sma

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Information, not investment advice. Rules answer from the latest completed daily session; forecasts are probabilities. Actions ran as dry runs: nothing was sent. More in Builders: Quant developer, Fintech app builder, Broker app, Algo / bot developer, Data vendor / platform, Trading educator / newsletter.

Create an account Open the Playground Everything here also lives in the console, next to your keys and usage.

Individuals

Buy side

Sell side

Corporates

Builders

Institutions

Rebalancing trigger for a stock/bond model: VTI and BND

State

Questions

Answers

Actions

What it means

Tax-loss harvesting candidates among international funds

State

Questions

Answers

What it means

Nightly risk dial for the equity sleeve (SPY)

State

Questions

Answers

Actions

What it means

Duration check for the bond sleeve: TLT, IEF and SHY

State

Questions

Answers

What it means

Dividend sleeve health check: SCHD, VIG and VYM

State

Questions

Answers

What it means

Target-date glide path: is the equity step-down safe this month (VOO)?

State

Questions

Answers

Actions

What it means

Cash sleeve: are T-bill funds (SGOV, BIL) behaving like cash?

State

Questions

Answers

What it means

Factor sleeve tilt: momentum, quality, value and low volatility

State

Questions

Answers

Actions

What it means

Client email when the aggressive model's core fund (QQQ) drops sharply

State

Questions

Answers

Actions

What it means

Real estate sleeve: VNQ and XLRE trend and income

State

Questions

Answers

What it means