Consolidated Wealth
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Net Worth Timeline
Allocation
Total Assets
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Exposure
Gross assets—
Total debt—
Net worth—
Loan-to-value—
Consolidated Wealth
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Discretionary mandates
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Cash & Deposits
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Real Assets
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Equities
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Other Investments
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Financing
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Portfolio Allocation
Net Worth
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Mandate Performance
Net Exposure
Financing Summary
Cash by Currency
▲ Net Worth Timeline
Discretionary mandates — Performance
NAV Evolution — All discretionary mandates
Proprietary Shareholdings
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Valuation date
Cash & Bank Deposits
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total cash equivalent • EUR
Currency Breakdown
By Currency
By Bank
Cash Flow Statement
Actual & Forecast • EUR
⚠ Write refused by the server
A change to — alters your data more than the server is willing to accept without asking.
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If you did this on purpose — a large import, a clean-up — confirm and it will be saved.
If you were not expecting it, discard: the server keeps what it had and your data is reloaded from it.
When in doubt, discard.
Restore cash accounts from a snapshot
Restores the certified balances (anchors) of each account from a snapshot you trust.
Bank movements are never touched: today’s balances are recomputed from the restored anchors plus every movement after them.
Nothing is written until you confirm below.
Export Cash Flow PDF
Not available before 31/07/2026 — earlier registers are incomplete.
Add Cash Flow Entry
Import Bank Movements
Upload a CSV or Excel file with bank movements. Expected columns: Date, Description, Amount (negative = debit).
Liquidity Ladder — Cash Forecast
Cash projection
Waterfall by month — expected vs forecast
| Month | Opening EUR | Inflows | Outflows | Loan service | Net | Closing EUR |
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Upcoming inflows (next 90d)
Upcoming outflows (next 90d)
Currency Exposure & FX Risk
Performance Attribution — Brinson
Mandate
Decomposition — ITD
Brinson waterfall (Allocation + Selection + Interaction = Total)
By asset class — allocation vs benchmark, return contribution
| Asset class | Port w% | Bench w% | Active w% | Port ret% | Bench ret% | Allocation | Selection | Interaction |
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Scenario Stress Test — Historical & Custom
Scenario
P&L impact by mandate
Impact by asset class
Detailed shock breakdown
| Source | Pre-shock EUR | Shock % | P&L EUR | Post-shock EUR |
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Audit Log — Activity Timeline
Filters
Activity by day (last 30 days)
Event timeline
| Timestamp | User | Action | Target | Details | IP |
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Pattern Detector — Anomalies & Alerts
Filters
Alert volume (last 30 days)
Alert feed
Reverse Vault — Documentation Gaps
Filters
Documentation gaps
Twin Mode — Monte Carlo Wealth Simulator
Hypothetical scenarios based on stated assumptions. Not investment advice. Returns are pre-tax, gross of fees, in EUR-equivalent. Asset class returns are independent (no correlations modelled). Distribution uses log-normal random walks — tail risk may be underestimated vs real markets. Use as a thinking tool, not a forecast.
Scenario
Return assumptions per asset class (annualised)
| Asset class | Expected return (μ, %) | Volatility (σ, %) |
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💰 Income from work
Auto-derives recurring
add_capital events from the active contracts and scheduled bonuses in Compensation. Uses declared net where available, otherwise gross with a tax proxy. The savings rate controls what fraction of net income contributes to wealth (the rest is treated as living expenses).
Planned future events
Examples: vendita Villa SJCF in 5y → "sell asset" target=realestate amount=25M ·
università figlio 4y → "spend recurring" amount=80K/year recurrence=4y ·
eredità tra 10y → "add capital" amount=2M target=cash
Voice Briefing — Daily Audio Summary
Today's briefing
Briefing is generated from your current portfolio data, active alerts, open documentation gaps, and upcoming events.
Script length is roughly 220-280 words (90-120 seconds spoken).
Audio is stored for 30 days; transcripts are kept indefinitely.
Past briefings
| Date | Generated at | Words | Audio size | Provider / Voice |
|---|
Successor Brief — Encrypted Continuity Dossier
1. Configuration
2. Trustees
Mark at least one trustee with role "self" — that's where check-in reminders are sent. Mark up to two as "override authority" — they receive a personal token that lets them trigger trustee notifications manually. Common roles: notary, spouse, family lawyer, executor.
3. Passphrase
The passphrase encrypts the dossier with AES-256-GCM. If lost, the dossier becomes permanently unrecoverable. The system stores only a verifier hash — even Lunaris cannot decrypt without the passphrase. Generate a strong passphrase, then deposit it in a sealed envelope at the notary's office.
4. Generate dossier
The dossier is generated from your current portfolio + Vault data + your personal notes. It includes patrimony summary, mandate/cash/RE/loans inventory, upcoming obligations, Vault directory, trustee directory, and access instructions to Lunaris.
5. Dead-man's switch — status
Visit Links — Time-limited Read-only Sharing
Each link gives a third party (notary, family, advisor) a read-only view of your selected pages, valid for a limited time. Once they see the data they can screenshot it — this is trust-based sharing, not DRM. Pre-shared identity (email + phone) and OTP add an authentication layer for sensitive recipients.
Active and recent links
| Label | Status | Expires | Uses | Anonymization | Pages | Identity |
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Audit Notary — Bitcoin Blockchain Time-stamping
Cryptographic proofs that the audit log and critical artifacts existed in their exact form on a given date, anchored to the Bitcoin blockchain via OpenTimestamps. Submission is immediate; Bitcoin confirmation typically takes 1-24 hours. Verification is delegated to the official OpenTimestamps tools (CLI or opentimestamps.org) for full forensic auditability.
Notarized records
| Status | Type | Description | Submitted | Calendars | Source hash |
|---|
How to verify a proof externally
For full forensic verification (e.g. to present a proof to a notary), download the .ots file and verify it using one of:
- OpenTimestamps web tool — upload the .ots file at opentimestamps.org. Click "Verify" and provide both the .ots file and the original content (or just the source hash).
- OpenTimestamps CLI — install via
pip install opentimestamps-client, then runots verify file.otswith the original content present. - Bitcoin block explorer — once confirmed, the .ots file points to a specific Bitcoin block. The block's existence proves the proof's date.
Lunaris does NOT need to be running for verification. The .ots file is self-contained and verifiable for as long as the Bitcoin blockchain exists.
Projects & Budgets — Tracking with Variance Detection
Track budgeted activities — renovations, family events, philanthropic initiatives. Each project has a total budget split into line items. Actuals can be linked to bank transactions and vault documents. Variance and pace warnings flow into the Pattern Detector automatically.
Other Investments
Choose investment form
Private investment
Exit waterfall
Model your net proceeds at exit — preference stack, participation and carry. Adjust any input to recompute.
Look-through consolidation
True exposure across vehicles — the same company held directly, via SPV or co-invest is consolidated. Allocation is by reported NAV.
AI suggestions
The AI proposes — review and confirm each item. Nothing is applied without your selection; existing values are never overwritten.
Log decision / change
Entries are append-only and written to the audit trail (notarized on Bitcoin via the daily seal).
Entities & Companies
Holding companies (SCI, SARL, holdings, trusts…) that own your assets. Corporate documents and linked assets attach here.
Entity / Company
Documents
Upload corporate document
New personal expense
Personal Expenses — Household & Lifestyle
Recurring and one-off spending attached to a family member. People come from the Family Charter. Each person becomes a single Cash Flow line — click a month to see the items behind it.
Insurance — Coverage Summary
Add Policy
Compensation — Family Salaries & Bonuses
Tracking of family members' salaries and bonuses. Contracts are the source of truth for structured compensation. Forecast entries are automatically propagated into Cash Flow with the tag
source:compensation; actual entries are recorded directly in Cash Flow as before.
Year totals
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Monthly salary — family-wide
Bonuses — family-wide
Benefit component
Stock award
Vesting overlay — the share value is tracked in Equities; this records the grant and vesting schedule. No double count.
Tax Calendar — Multi-Jurisdiction Deadlines
Lunaris does not compute taxes. This is an operational calendar: enter the deadlines you care about across all jurisdictions, track expected and paid amounts, and let the system feed pending deadlines into your cash-flow forecast and alerts. Amounts come from you (or your advisors) — Lunaris just remembers them.
Deadlines
Document Renewals — Expiry Calendar
Tracks documents that expire and need renewal: passports, insurance policies, licenses, certifications, contracts. Sergio enters them manually, or accepts suggestions auto-discovered from documents already in the Vault (when AI extraction picked up an expiry date). Pattern Detector alerts you in advance.
Renewals
Family Charter — The Annual Family Ritual
A printed object delivered once a year to each family member. Lunaris assembles facts and structure; Sergio writes the personal letters in his own voice. The AI is the researcher, you are the author. The Carta is from you, AI-assisted — never AI-generated.
Who is the family
Profiles drive personalization. Each member receives a Carta tailored to their relation, age, and tone preference.
Monthly Reports — AI Narrative + Email Delivery
Current month
Reports synthesise current portfolio data with an AI-generated commentary in the style of a private banking note. Standard tier (~$0.05, 5s) covers KPIs, top movers, FX, upcoming events. Executive tier (~$0.40, 30s) adds expanded commentary, attribution analysis, and risk discussion. Reports are stored on the server and can be re-generated.
Email delivery
Requires
RESEND_API_KEY set on Netlify. Use the default onboarding@resend.dev sender for testing without DNS setup.
Reports archive
| Month | Tier | Generated | Net Worth |
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Assets
Choose asset class
Asset
Module
Financing
Documents
Upload asset document
Instrument Prices · FX Rate History
Instrument Prices
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Select an instrument above
FX Rate History
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No FX data yet — extracted from portfolio uploads
Exchange Rates vs EUR
| Pair | Rate | 1D Chg. | 1W Chg. | 1M Chg. | 1Y Chg. | Last Date |
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Historical FX Rate
| Date | Rate | 1D Chg. |
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Latest Price by Instrument
| Instrument | ISIN | CCY | Latest Price | Date | 1D Chg. | 1W Chg. | 1M Chg. |
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| Date | Price | CCY | 1D Chg. |
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Active Financing
Total Debt Exposure
Document Vault
Smart filter
Loading documents...
Upload Document
Data Upload
Mandate data freshness
Upload an Excel portfolio file below to add a new datapoint. Files with a date in the filename (e.g.
portfolio_2026-05-15.xlsx) are dated accordingly; otherwise today's date is used.Investment Portfolio (.xlsx)
Drop portfolio file here
.xlsx — UBS or CMB formatBenchmark Weights (.xlsx)
Drop benchmark file here
.xlsx same format as Benchmark sheetCash Balances
Bank balances file
Bank • Account • Currency • Balance • FXReal Estate
Property portfolio file
Name • Address • Type • Purchase Price • Current ValueProprietary Equities
Direct shareholdings
Company • Ticker • Shares • Avg Cost • Current PriceCash Flow History
Cash flow transactions file
Date • Description • Category • Amount • Type(in/out) • Forecast(0/1)Upload History
| File | Type | Date | Size | Sheets | Status |
|---|
Account & Security
Manage your own credentials and two-factor authentication. These settings affect only your account.
Change My Password
Two-Factor Authentication…
Add a time-based one-time code (TOTP) from an authenticator app (Google Authenticator, 1Password, Authy…) as a second factor at login.
🔒 Admin IP Whitelist
Solo gli IP elencati possono loggarsi come admin. Vuoto = tutti permessi.
👤 Guest — Visible Pages
Toggle which pages the guest user can access
Access Management & Security
🔔 Alert & Notification Settings
Configure thresholds for mandate P&L, dividends, loan maturity and overdraft alerts
💾 Backup — Export all data
Downloads a single JSON file with the complete contents of every Lunaris store (snapshots, vault, tax, renewals, compensation, etc.). Store it in a safe place: it contains all sensitive data.
User Accounts
| Username | Display Name | Role | Last Login | Actions |
|---|
Viewers can see all portfolio data but cannot upload files, edit users, or access settings.
Upload Snapshots
Mobile App & QR Code
Scan to open on mobile
App URL — paste your Netlify / hosted URL here
🌐 Deploy in 2 minutes — free
1
Open netlify.com → Log in → Add new site → Deploy manually
2
Drag this HTML file into the upload box → wait ~10s → get a
*.netlify.app URL3
Copy that URL → paste above → click Update. The QR now works on any phone
4
iPhone/Safari: scan QR → Share button → Add to Home Screen → installed ✓
5
Android/Chrome: scan QR → three-dot menu → Add to Home Screen ✓
Portfolio Snapshot