A Superforce Product Family
A portfolio of AI-native platforms — each one a fully autonomous agent at the frontier of its vertical. Lending. Jobs. Wealth. Each domain, deeply mastered.
Every SuperX product runs the four-layer Superforce intelligence system — Ingestion, Reasoning, Memory, Transfer. Compounds with every interaction. Never depreciates.
Read the thesis →The Portfolio
Three live products. Each one an autonomous agent. All running the same Superforce intelligence system — compounding depth with every transaction, hire, and portfolio event.
Origination to collections. Dual-layer filtering. Explainable decisions. The complete lending stack — agentic end-to-end.
Filter 1 vets the lending platform — regulatory standing, financial health, investor protection. Filter 2 scores the deal across 70+ checkpoints: collateral quality, borrower profitability, financial ratios, and payment trend history. Both layers must clear before capital moves.
Every credit decision surfaces a human-readable reasoning chain — which factors drove approval or rejection, at what confidence, and why. Ensemble models combine multiple ML scoring approaches for higher accuracy. Regulators, auditors, and borrowers can all read the output. No black box.
Models self-update as new repayment data flows in — automatically reselecting, re-parameterising, and reweighting scoring models in response to changing borrower behaviour and market conditions. The engine that underwrote loan 1,000 is structurally sharper than the one that underwrote loan 1.
Predictive models score each loan's default probability forward across multiple time horizons — not just at origination. Payment trend deviations trigger early warning signals before a missed payment. 1,700+ weekly macro data points keep forecasts calibrated to live market conditions.
When stress signals emerge, the agent doesn't wait for a human collections team. It segments delinquency risk, personalises recovery outreach, and proposes restructuring terms — proactively, at scale, before accounts reach default. Recovery strategy is informed by every prior collection outcome in Domain Memory.
Every loan underwrites against asset-backed collateral assessed for type, liquidity, and enforcement risk. Capital is allocated hierarchically — country first, then product, then deal volume — with a return baseline built from credit spreads, default risk, and FX factors, re-optimised continuously.
For employers — finds the right person before they apply. For candidates — lands the right role before others see it.
Every match returns a quantified fit score broken down by skills, compensation, culture signal, and career velocity. Candidates know exactly why they fit. Employers know exactly why they should act.
For every role, the agent rewrites the candidate's resume against that JD's keywords and structure — ATS-compatible, recruiter-ready. Skill gaps are spotlit before submission, not after rejection.
Surfaces existing connections inside the hiring company who can provide referrals or insider context. Turns cold applications into warm introductions — the single highest-yield lever in any job search.
The agent applies autonomously — tailored resume attached, forms pre-filled. Fake listings, duplicates, and stale postings are filtered out in real time before they waste anyone's time.
Every application tracked end-to-end. Live salary benchmarks, competing offer detection, and talent scarcity alerts — continuously updated from every placement in Domain Memory.
Applying via insider referral (ex-CIMB colleague at Superforce). Warm intro response rate: 3.4× cold apply. Competing offer risk: HIGH — act within 72h.
Your advisor knows your portfolio. SuperWealth knows your goals, your family, your behaviour — and acts before you think to call.
Every market move is immediately translated into goal currency — not portfolio percentage. "Retirement at 55: 74% funded. Here are three specific moves that push that to 90%." The agent runs continuous forward simulations against your actual stated goals, updating with every price tick and life event. Your advisor measures performance. SuperWealth measures probability.
Clients rarely call their advisor when life changes. The agent infers it first — unusual cash withdrawals, income pattern shifts, login behaviour changes — and surfaces a proactive restructure proposal before you think to ask. Job change, inheritance, business exit, divorce: the portfolio should shift before the next quarterly call, not after.
The agent watches for pre-panic signals during drawdowns: repeated portfolio views at unusual hours, tone shifts in messages, deviation from normal engagement patterns. It identifies the window before the sell order — and intervenes with personalised, evidence-based communication calibrated to your specific risk tolerance and stated goals. One human advisor can do this for five clients. SuperWealth does it for five thousand, simultaneously.
Wealth flows through families. With consent, the agent maps the complete family financial picture — parents' estate, children's trajectory, trust structures, gifting strategy, inheritance exposure across jurisdictions — and optimises across generations, not just your portfolio. No human advisor ever has this full view. The agent holds it continuously.
Increase monthly EPF voluntary contribution by RM 800 — adds 4.1% probability at zero portfolio risk.
Rotate RM 120k cash idle in savings (0.8% p.a.) → short-duration sukuk (4.2% p.a.) — adds 6.8% probability.
Restructure parents' estate now — reduces inheritance tax drag by est. RM 180k, lifts legacy goal to 79%.
Hospitals, clinics, specialists, TCM, Ayurveda, physio, dental, mental health — the full care ecosystem. One agent that routes, coordinates, and remembers across all of them.
The agent doesn't ask which type of provider you want — it infers the right modality from your full clinical picture. Chronic back pain with stress markers → physio + TCM before ortho. Fatigue + weight gain + cold intolerance → endocrinology, not GP. Recurrent UTIs post-menopause → urogynae, not another antibiotic. It routes to the right door first — across conventional, specialist, and traditional medicine — not the most obvious one.
A patient seeing a cardiologist, a TCM practitioner, and a physiotherapist simultaneously. The cardiologist doesn't know about the herbs. The TCM practitioner doesn't know about the warfarin. Nobody has the full picture. The agent holds it across every provider — monitoring drug-herb interactions, coordinating treatment timing, flagging when modalities conflict, and surfacing the complete cross-modality context to each provider before every appointment. The handoff problem, solved.
No more filling the same form at every new provider. The agent holds the complete health autobiography — diagnoses, medications, allergies, lab trends, imaging history, vaccinations, family history — and presents the clinically relevant slice to each new provider in their preferred format. Every referral arrives fully contextualised. The patient never loses continuity at a handoff again.
The agent doesn't wait for symptoms. It continuously monitors against evidence-based screening guidelines — and flags the gaps before they become diagnoses. "You're 43, male, family history of colon cancer. Colonoscopy screening recommended at 40. You're 3 years overdue. Here's the nearest provider covered by your insurance, here's the cost, here's a slot this week." Prevention surfaced proactively, not reactively.
Matches on clinical fit, financial reality, and real-time availability simultaneously. Not just the best provider — the best provider you can see this week, at a price your insurance covers, with outcomes data that holds up. Wait times, bed availability, panel network status, and co-pay levels all factor into every recommendation before it surfaces.
Rheumatology first — fatigue + joint pattern rules out musculoskeletal-only cause. ⚠ Drug-herb flag: blood thinners contraindicate Danshen (TCM). TCM provider pre-notified. Physio sequenced after rheum. clearance. Wait time: 4 days vs. system avg. 19 days.
Matching companies with the right counsel — by matter type, jurisdiction, and expertise depth.
Multi-factor evaluation across jurisdiction, seniority, matter complexity, and conflict checks.
Real-time fee benchmarks drawn from every engagement processed. Updated with every matter closed.
Enters with qualification frameworks from SuperHealth and SuperJobs — 40–60% domain pre-populated before the first client onboards.
Fee benchmark for this matter type: RM 1,500–2,000/hr. Rajah & Tann's MY/SG cross-border experience directly analogous. Conflict check: clear.
Shopee and Lazada are the world's best search engines for things you already know you want. SuperMall is the agent that figures out what you need — before you open the app.
The agent doesn't ask what you want to search for. It asks what you're trying to do — then builds the complete purchasing plan. "Moving into a new apartment" → full needs list across categories, staged by dependency (buy the bed before the pillows, the router before the smart bulbs), matched to your floor plan and budget. Not 10,000 search results. One sequenced plan across your income cadence.
The most underserved moment in e-commerce is the 20 minutes between finding a product and deciding. Both platforms abandon you there. SuperMall's agent works through the decision in real time — checking compatibility, flagging mismatches before purchase, and surfacing the honest better choice. "This monitor arm clamps to 5cm max. Your desk is 6cm. It won't fit. Here's the one that does — RM 12 more." Incompatibility caught before checkout, not after delivery.
Consumables run out on a schedule. The agent knows when you bought your coffee, shampoo, baby formula, vitamins — and models your actual consumption rate. It reorders before the shelf is empty, adjusted for how fast you actually use each item. Not a rigid subscription. A live consumption model. This is structurally impossible for a passive search platform.
Shopee sellers are always chasing demand they can already see. SuperMall surfaces aggregated intent signals before they become search spikes: "380 buyers in Klang Valley showed purchase intent for ergonomic standing desks in the last 14 days. Current supply: 14 listings averaging 3.6★. High demand, undersupplied, low quality. First seller to list at RM 350–450 with 4★+ captures this." Sellers win the category before competitors notice it exists.
Once you buy on Shopee, you're on your own. SuperMall's agent continues after checkout — monitoring price drops on items you own, warranty expiry windows, recall alerts, and "better version available" signals. And it tells the honest story: "The blender you bought 5 months ago has 847 reviews averaging 3.2★. Most common complaint: motor failure at 18 months. Here's the upgrade — RM 30 more, 2-year warranty." No platform has ever been this honest. No platform has ever had the incentive to be.
Air purifier selected is rated for 600sqft. Your unit is 850sqft. Swapped to Xiaomi Air Purifier 4 Pro — covers 1,000sqft, same price range. Saved: one useless return.
380 Klang Valley buyers showed intent for ergonomic chairs this week. Supply: 14 listings avg. 3.4★. Gap window: 10–12 days.
You do. Stocks, crypto, FX — one agent that monitors your emotional state, enforces your circuit breakers, shows you your real ruin probability, and holds you to the rules you wrote when you were calm.
The agent doesn't ask how you feel — it infers it. P&L trajectory, trade frequency vs your personal baseline, watchlist obsession score, time-of-day performance patterns, consecutive loss count. Output: a live 0–100 Emotional Clarity Score. ECS below 50: position size is automatically halved. Below 30: mandatory 20-minute cooling window. The agent enforces, quietly, the rules you agreed to when you were calm.
Before every entry: state your catalyst, your invalidation level, your target. Locked and timestamped. When you're 4% down and hovering over "move stop loss", the agent surfaces your own words back: "You said invalidation is RM 3.20. Price is RM 3.18. Are you moving your stop because the thesis changed — or because you don't want to take the loss?" That one question, at the right moment, is worth more than ten indicators.
Not the fixed "Risk RM 200 / Reward RM 600" that every platform shows. The agent overlays your personal expected value at this specific setup — your historical win rate at this exact pattern in this exact market regime, adjusted for time of day, sector conditions, and correlation to macro events. "EV: +RM 148 based on your 52% win rate at this setup. Warning: win rate drops to 31% when BTC dominance exceeds 58%. Current BTC dominance: 61%."
Account equity, Emotional Clarity Score, portfolio correlation (long TSLA + NVDA + AAPL + MSFT is not four positions — it's one correlated tech bet), instrument ATR today, and streak context (three consecutive losses → Kelly suggests 40% size reduction, enforced). The agent gives you one number: the correct size for this trade, right now, given everything it knows about you and the market.
99% of traders don't keep a journal — it's tedious. The agent writes it automatically: entry thesis, market regime, ECS at entry, whether you followed your stop, outcome, and post-trade tagging. Then surfaces the patterns you're blind to: "You've moved your stop loss 16 times this month. 14 of those trades lost more than the original stop would have. You are costing yourself 2.3R per month with this single habit."
Every strategy works in some regimes and fails in others. The agent classifies current conditions — trending, ranging, high-vol, risk-on/off — and cross-references against your personal performance database. "You're running a momentum breakout setup. Current regime: choppy. Your breakout win rate here: 29%. Your mean-reversion setups: 63% in this regime. Switch strategy, or sit out." Most traders blow up not because their strategy is bad — but because they run it in the wrong conditions.
A 50% drawdown requires 100% to recover. Most traders know this. None of them feel it. Every time the account takes a meaningful drawdown, the agent makes it visceral with your specific numbers: "You're down 18.4% this month. To break even you need 22.5% from here — at your average monthly return of 4.1%, that's 5.5 months of perfect trading just to get back to zero." The hole becomes visible before it gets deeper.
Set in advance, enforced automatically, cannot be overridden in the moment. Daily loss limit (−2%): session locked. Weekly limit (−5%): next week at 50% size. Monthly drawdown (−15%): full halt and mandatory strategy review before unlock. The critical difference from every platform's "risk settings": these were set when you were calm. You don't get to turn them off when you're not.
Given your win rate, average R:R, position sizing, and current drawdown: the agent calculates your statistical ruin probability forward. "At current parameters: 12.3% ruin probability over 60 sessions. If you increase to 3% per trade as you've been attempting: 34.7%." And after any meaningful drawdown, the honest recovery math: "Recovering RM 4,200 at current parameters takes 31–47 sessions. Revenge trading at 2× size projects 18 sessions — but raises ruin probability from 8% to 29%." The agent forces the comparison between impatient recovery and survival.
Right cover, right price — matched instantly. No broker, no forms, no waiting.
Reads each applicant's risk profile in full and matches to the optimal policy across all participating insurers — not just the ones paying referral fees.
Alternative data signals inform risk assessment for underserved segments — gig workers, micro-SMEs, first-time policy holders.
The agent monitors policy portfolios for claim patterns, renewal signals, and coverage gaps — and alerts before they become problems.
"Great Eastern preferred — better critical illness rider for Farah's risk profile. Note: coverage gap on total permanent disability. Recommend adding TPD rider at RM 18/mo."
Pathways that adapt to every learner — and deepen with every outcome.
The agent builds a live model of each learner's knowledge state, pace, and learning style. Every lesson adjusts in real time — not on a fixed curriculum.
Pathways are built backwards from a target skill or credential. The agent tracks distance to goal and re-routes when progress stalls.
For corporate clients — tracks skill gaps across teams, recommends cohort-level interventions, and benchmarks learning velocity against role requirements.
"Danial's pace on visual content is 1.8× faster than text modules. Switching SQL intro to video format. Goal: Data Analyst cert in 38 days — on track."
Save anything from X, articles, or any source. SuperFlash brings it back at exactly the right moment — without you having to remember to look.
Save a post from X, a paragraph from an article, a voice note, a screenshot. SuperFlash ingests, understands, and indexes it — not just stores it.
The agent resurfaces a saved idea when it's relevant to what you're doing right now — writing a proposal, in a meeting, researching a decision. Not when you remember to search for it.
SuperFlash links captures across time — spotting when three things you saved six months apart are actually the same idea from different angles. Your library gets smarter as it grows.
Every capture builds a personal knowledge graph. SuperFlash learns your interests, your projects, and your thinking patterns — and becomes a more useful thinking partner over time.
"These 2 captures both point at the same idea — hiring for intrinsic motivation over credentials. You saved them 6 weeks apart. Relevant to your doc right now."
Carsome digitised the process. SuperWheels replaces it — an agent that knows the optimal moment to sell, finds your buyer before you list, and manages your entire ownership lifecycle.
The agent monitors your car's market value continuously — cross-referencing model refresh cycles, seasonal demand patterns, mileage bands, and competing supply — and tells you exactly when to sell before the depreciation cliff hits. Not a static valuation. A live signal with a specific recommendation: "Your Proton X50 will lose RM 8,400 over the next 90 days. Your optimal sell window is the next 3 weeks."
Carsome waits for you to list. SuperWheels finds your buyer before you do. The agent continuously matches your vehicle against registered buyers' exact spec requirements — year, variant, colour, mileage range, budget. When a high-intent buyer enters the system, the agent surfaces your car first. You receive an offer before the listing is ever created.
Photo and video-based pre-inspection scores the vehicle's condition before any physical visit — flagging accident history markers, paint inconsistencies, and panel gap anomalies from imagery alone. Mileage tampering is cross-referenced against service history, tyre wear patterns, and component age. Every 175-point equivalent check is AI-assisted, not just human-recorded.
The agent tracks the complete lifecycle — service intervals, road tax and insurance renewals, recall alerts, warranty expiry, and maintenance history — and proactively surfaces every action before it lapses. When you're ready to sell, the full ownership record is already compiled, verified, and presented to buyers as a trust signal.
SuperCash structures the buyer's financing in real time — loan eligibility, optimal tenure, and rate comparison across lenders — before the test drive ends. SuperIn pre-quotes insurance cover for the new owner. The agent handles both simultaneously. The seller gets paid. The buyer drives away. No separate applications, no follow-up calls.
Outreach sent to Buyer A. SuperIn insurance pre-quoted for new owner. Estimated time to close: 4 days vs. Carsome avg. 14 days. Ownership record compiled — 6 service entries verified.
The Foundation
Four-layer intelligence system sitting above the model layer. When a better foundation model ships, all accumulated domain intelligence carries forward. The moat deepens — it never depreciates.
Read the full Superforce thesis →Reads each domain like an expert. Extracts entities, causal chains, vocabulary tensions. Structured domain models, not search indexes.
Three-stage inference: Domain Recall → Synthesis → Judgement. Auditable output with explicit confidence scores.
Three persistent stores: Domain Memory, Feedback Memory, Pattern Memory. Never resets. Every interaction deepens the model permanently.
Detects structural analogues across verticals. Each new product enters with prior domain intelligence pre-loaded. Cold starts become warm entries.
Early Access
SuperX is onboarding selected operators across lending, talent, and wealth management in Southeast Asia.
No commitment. Response within 48 hours.