About
DIVID.AI (DIVID AI TECH LLC, Yerevan, Armenia) is a software company. It makes DIVID Planner, a one-year savings planner for people in the US, on the web and as a connector for Claude. We also build simulation and planning software for brokerages and asset managers. Most of this page is about that work.
Advice should not depend on the size of the account
We are a small team of machine-learning engineers and finance people. Since 2021 we have been building one thing: a simulation engine that makes a personal, explainable recommendation cheap enough to give to every client of a brokerage.
DIVID.AI (legal entity DIVID AI TECH LLC, Yerevan, Armenia) serves brokerages and asset managers with one simulation engine, in development since 2021. It powers three products for them: Reporter for content marketing, the white-label Planning Module for self-service planning and ReksadanaAi ProSales for sales teams. Language models explain the numbers; they never produce them.
Founder
Ilya Melnikov
Founder & CEO
Machine-learning engineer, formerly at Yandex. Started DIVID.AI in 2021 with a Telegram bot that audited retail portfolios in Moscow. In 2022 he moved the engine to Jakarta's stock and mutual-fund market and has led every product since: the Telegram assistants, the Planning Module, Reporter and ProSales.
“A language model can write a beautiful paragraph about any fund. It cannot tell you the probability that the client reaches their goal. We built the part that can and let the model do the writing.”LinkedIn
Approach
Three rules we do not break
Simulate, then explain
Every recommendation starts as thousands of market scenarios with crisis cases. The language model gets the facts of the result, not the freedom to invent them.
One engine, many surfaces
The same data storage and simulation core serve content, self-service and advisers. The method is the same at every touchpoint.
Local markets first
IDX and reksa dana, MOEX, then NASDAQ. Bahasa Indonesia and Russian alongside English.
- 01
Market data
IDX · MOEX · NASDAQ · FX · funds
- 02
Scenario simulation
block bootstrap · crisis windows
- 03
Risk-constrained optimisation
VaR limit · class caps
- 04
Goals & probabilities
per goal · per lever
- 05
AI explanation
EN · ID · RU · facts only
Timeline
Five years, one engine
2021
Engine and the first Telegram assistant for portfolio audits (Moscow). First demos to investment companies.
2022
Indonesian market: IDX, reksa dana, Bahasa Indonesia. Assist Bot for stock evaluation; planning forms.
2023
DIVID AI TECH LLC established in Yerevan. Fund Compare API for mutual funds; planning scenarios.
2024
ReksadanaAi ProSales in production for sales teams; Reporter drafts the first journal articles.
2025
Reporter dev release; Market Insights Journal; business site.
2026
Planning Module: white-label financial planning by interview, simulation and levers.
Company
Facts
- Company
- DIVID AI TECH LLC · Yerevan, Armenia
- Founded
- 2023 · engine in development since 2021
- Markets
- Indonesia first; CIS and Armenia; global exchanges
- Languages
- English, Bahasa Indonesia, Russian