Summary
On July 16, 2026, Futu unveiled Expert mode, a built-in AI agent in its Futubull app that spans the full investment journey - gathering information, analyzing, planning, invoking tools, reflecting, and executing simulated trades - using a new Agentic AI plus Skills architecture with simulated-test defaults and password protections.
What changed
Futu upgraded Futubull AI with Expert mode, a self-developed agent built on an Agentic AI plus Skills architecture. It runs a full cognitive loop (deconstruct the problem, plan, invoke tools, reflect and verify, output), spans information gathering, analysis, decision-making, and trade execution, and lets users build personalized agents via an open platform, with simulated-trading defaults and password protections.
Why it matters
Moving retail brokerage AI from passive Q&A to an agent that plans and can execute trades pushes agentic autonomy into a regulated, money-moving consumer surface, raising both the product bar for brokerages and the governance stakes around autonomous financial actions.
Evidence excerpt
Futubull AI possesses a complete cognitive loop: deconstructing problems, planning paths, invoking tools, reflecting and verifying, and outputting conclusions ... the first AI solution to span the entire investment journey, from information gathering and analysis to decision-making and trade execution.