Licai Mofang
Chinese robo-advisory and wealth management platform
Last updated October 7, 2026
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Overview
Licai Mofang (理财魔方) is a Chinese AI-powered fund advisory platform that positions itself as a "quantitative-first" alternative to traditional fund distribution and advisory services. Founded in 2014, the company set out to address a problem it identified as the root cause of poor retail fund investment outcomes: emotion-driven decision-making. Its answer was to replace human subjective judgment with quantitative algorithms, data, and rules. The platform's core proposition is that fund selection, timing, and portfolio adjustments should be driven by algorithmic signals rather than fund manager reputation, market narratives, or investor sentiment. The platform offers three main service lines. The first is the "Quantitative Cognition Room" (量化认知室), a research and education service that publishes monthly quantitative fund analyses, risk-control reviews, and consensus tracking without selling funds. The second is "AI-Selected Quantitative Products" (AI优选量化产品), which uses a three-engine screening system based on performance stability, risk control, and excess return to filter quantitative mutual funds, quantitative brokerage asset management products, and AI quantitative advisory portfolios. The third is the "Smart Account" (智能账户), a fully managed AI-driven wealth management service that covers risk profiling, asset allocation, buy/sell execution, and profit-taking, with no human intervention and traceable decision logs. According to its official website, Licai Mofang has operated for over 12 years, accumulated over RMB 210 billion in cumulative fund transaction volume, served more than 900,000 cumulative customers, and partnered with over 100 licensed institutions including public fund companies, banks, securities firms, and insurance companies. The company holds a Securities and Futures Business License issued by the China Securities Regulatory Commission (CSRC) and an Insurance Intermediary License issued by the China Banking and Insurance Regulatory Commission (CBIRC). Fund sales services are provided by licensed institution Xuanyuan Insurance Agency Co., Ltd. User funds are supervised by banks throughout the process. The company has received recognition as a National High-Tech Enterprise, a Beijing "Specialized, Refined, Differentiated, and Innovative" SME, and a Zhongguancun High-Tech Enterprise. It has been listed on KPMG China's Fintech 50 rankings multiple times and has collaborated with Tsinghua University's PBC School of Finance, the National Supercomputing Center in Wuxi, and the Beijing Institute of Financial Technology. In 2026, the company completed a brand strategy upgrade to explicitly position itself as an "AI fund advisory platform featuring quantitative products."
History
Licai Mofang was founded in 2014, when its founders identified that the root cause of ordinary investors' poor fund investment outcomes was not the products themselves but the decision-making process: when emotion dominates investment, losses are highly likely. The company chose a different path from the start—replacing human subjective judgment with quantitative algorithms, stories with data, and emotion with rules. In 2015, the company completed its angel round of financing and launched version 1.0 of its smart advisory service. In 2016, Licai Mofang completed development of its core artificial intelligence systems, including a smart advisory management system and a smart customer analysis and management system, and completed a pre-A round of financing. In 2017, the company launched version 2.0 of its smart advisory service, becoming the first company in China to achieve "thousand people, thousand times, thousand faces" personalized smart advisory. Sales grew rapidly from zero to RMB 700 million. The company was recognized as a National High-Tech Enterprise, a Zhongguancun High-Tech Enterprise, and a Zhongguancun Golden Seed Enterprise. In 2018, Licai Mofang completed its A round of financing, saw significant increases in customer investment amounts and retention rates, and grew sales to RMB 5.2 billion. It also acquired full ownership of a fund sales license and a national insurance agency license. In 2019, the company completed a brand upgrade from smart advisory services to wealth management services, partnered with Shanghai Pudong Development Bank to launch the "Geek Smart Investment" smart advisory service, grew sales to RMB 13 billion, and completed an A+ round of financing. In 2020, Licai Mofang established a B2B financial institution enablement business and a C-end retail customer growth strategy, and pioneered the industry's 3C advisory service standard aimed at improving customer profitability. In 2021, registered users exceeded one million, cumulative fund sales retention scale entered the top 100 of the Asset Management Association of China, and the company completed its B round of financing, making it one of the largest-funded companies in the smart advisory sector. It also established the "Xuanyuan-Huadong University of Political Science and Law Investor Protection Education Fund" and was selected as a strategic partner of the National Supercomputing Laboratory's "Sunway TaihuLight." In 2022, the company strengthened its financial tool research and development, building tools to empower both C-end and B-end customers, and developed the Magic System, an advisory portfolio trading system, and institutional business systems. Cumulative fund sales exceeded RMB 70 billion, and the company was approved as a Beijing "Specialized, Refined, Differentiated, and Innovative" SME. In 2023, the app underwent a major refresh, officially launching personalized wealth management services. The company co-initiated the Smart Wealth Management Forum, published the book "The Road to Rapid Family Wealth Upgrade," and supported investor protection education including the China Securities Journal's "College Student Fund Knowledge Competition." In 2024, Licai Mofang empowered more than 20 fund advisory institutions and launched a new platformization phase for smart advisory. It launched the Smart Account model with global quality asset allocation, upgraded smart signal tools, and had its "Magic Pen Text Generation Algorithm" pass the Cyberspace Administration of China's fifth batch of deep synthesis service algorithm filings. In 2025, the Smart Account algorithm was fully upgraded, with AI signals contributing over 85% accuracy (as of November 7, 2025), significantly reducing maximum drawdown. The company launched the Global Technology Long-Term Account focused on long-term global technology investment and introduced an innovative fee model based on actual customer returns. In 2026, Licai Mofang completed a brand strategy upgrade, explicitly positioning itself as an "AI fund advisory platform featuring quantitative products." The company launched three major service systems—the Quantitative Cognition Room, AI-Selected Quantitative Products, and Smart Account—with the principle of "promoting quantitative products, presenting quantitative data, and focusing on quantitative analysis," letting algorithms replace emotion and data speak.
- 2026
Completes brand strategy upgrade, positioning as "AI fund advisory platform featuring quantitative products"; launches three major service systems: Quantitative Cognition Room, AI-Selected Quantitative Products, and Smart Account.
- 2025
Smart Account algorithm fully upgraded with AI signals contributing over 85% accuracy (as of November 7, 2025); launches Global Technology Long-Term Account; introduces innovative fee model based on actual customer returns.
- 2024
Empowers over 20 fund advisory institutions; launches Smart Account model; "Magic Pen Text Generation Algorithm" passes Cyberspace Administration of China's fifth batch of deep synthesis service algorithm filings.
- 2023
App undergoes major refresh with personalized wealth management services; co-initiates Smart Wealth Management Forum; publishes "The Road to Rapid Family Wealth Upgrade"; supports China Securities Journal's "College Student Fund Knowledge Competition."
- 2022
Develops Magic System, advisory portfolio trading system, and institutional business systems; cumulative fund sales exceed RMB 70 billion; approved as Beijing "Specialized, Refined, Differentiated, and Innovative" SME.
- 2021
Registered users exceed one million; cumulative fund sales retention scale enters top 100 of Asset Management Association of China; completes B round financing; establishes Xuanyuan-Huadong University of Political Science and Law Investor Protection Education Fund; selected as strategic partner of National Supercomputing Laboratory's "Sunway TaihuLight."
- 2020
Establishes B2B financial institution enablement business and C-end retail customer growth strategy; pioneers industry 3C advisory service standard.
- 2019
Completes brand upgrade from smart advisory to wealth management; partners with Shanghai Pudong Development Bank to launch "Geek Smart Investment"; sales grow to RMB 13 billion; completes A+ round financing.
- 2018
Completes A round financing; sales grow to RMB 5.2 billion; acquires full ownership of fund sales license and national insurance agency license.
- 2017
Launches version 2.0 of smart advisory, becoming China's first company to achieve personalized smart advisory at scale; sales grow from zero to RMB 700 million; recognized as National High-Tech Enterprise, Zhongguancun High-Tech Enterprise, and Zhongguancun Golden Seed Enterprise.
Products and positioning
Quantitative Cognition Room
A research and education service that publishes monthly quantitative fund analyses, risk-control reviews, and consensus tracking. It does not sell funds, only conducts research, aiming to help users build independent judgment through data and facts.
AI-Selected Quantitative Products
A product selection service that uses a three-engine AI screening system based on performance stability, risk control, and excess return to filter quantitative mutual funds, quantitative brokerage asset management products, and AI quantitative advisory portfolios. It features a nine-grid positioning system showing any product's risk-return position across the market.
Smart Account
A fully managed AI-driven wealth management service covering risk profiling, personalized asset allocation, global asset configuration, buy/sell execution, and profit-taking. The entire process has no human intervention, and every decision has traceable data logs.
Global Technology Long-Term Account
A global asset allocation solution for long-term investors, focusing on long-term global technology investment.
Smart Full-Cycle Account
A smart account that allocates global G20 quality assets, uses smart signals to control risk, and targets stable returns.
Eight-Times Undervalued Dollar-Cost Averaging Account
A dollar-cost averaging account that selects long-term growth industries in A-shares, buying when undervalued and selling when overvalued.
Recent events
理财魔方 wins financial technology platform award[4]
Reported:
理财魔方 won the 2020 China Innovation Financial Technology Platform award at the 2020 Global Future Technology Conference.
Sources4 sources
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