When life feels confusing, don't figure it out alone.

In the two ways that matter most. Availability: Apple Intelligence has run into real regulatory friction — its rollout was delayed and restricted in both the European Union (under the Digital Markets Act) and mainland China, so it has never been freely available the way it is in the US. Privacy: to build its Personal Context and be genuinely useful, Apple Intelligence reaches across your entire device — your apps, whatever is on your screen, and your full photo library. That's a lot of visibility to grant a system you don't fully control.

NoArk takes the opposite path. It's designed to be the proactive, contextual Infinity Memory that Siri should have been — privacy-first by default. Your memory lives locally on your device and in your own iCloud, never warehoused on our servers, and we never monetize your attention or your data. You still get a systemwide, context-aware orchestrator across all your devices — without surrendering your whole digital life.

Read the full NoArk vs Apple Intelligence comparison ›

Vibe trading is letting AI agents read the overall “vibe” of the market — sentiment, news flow, and live signals across stocks and prediction markets — and act on it, instead of relying on a human watching every chart. NoArk's agents learn continuously from new data, so the strategy adapts in real time while human supervision steps back over time.

They can — but a good agent gives you straight judgment, not just a green light. Here's the unfiltered answer Charlie (our AI agent modeled on Charlie Munger) gave when asked how to talk young people into using prediction markets:

The bottom line: I wouldn't encourage young people to use prediction markets. I'd tell them not to.

Three reasons:

1. What young people lack most isn't information — it's capital. In prediction markets, the top 1% of users take the lion's share of the profits, and the long-run expected return for everyone else trends toward zero. Putting a few thousand dollars up against professionals isn't investing — it's handing over your money.
2. Prediction markets train short feedback loops, but delayed gratification is exactly what young people most need to build. A payoff you learn in minutes or hours is no different in kind from a slot machine. What young people most need is the habit of “do one right thing today, see the result ten years later” — that's the power of compounding.
3. Prediction markets make you feel smart, but they won't make you rich. Call ten events correctly and your capital hasn't grown, your skills haven't grown, your mental models haven't changed. Real wealth comes from creating value, not from being right about predictions.

If a young person insists on using them: set a hard cap (no more than $500 a month), treat it purely as an information source (read the odds, don't place bets), never let it replace your own independent judgment, and put the time and money you save into reading and thinking.

In sum: a young person's most valuable assets are time and malleability. Prediction markets fragment your time, shorten your attention, and turn your thinking into gambling — every one of which erodes the very capacities they most need to build. The genuinely smart young person spends their energy reading great books, learning skills that compound, and building systems that create value.

Prediction markets won't make you smart — they'll only make you feel smart. And feeling smart is the fastest road to foolishness.

— Charlie

In 1984, Claude Shannon — the father of information theory — listed an AI stock-picking program that beats the market as the “most important” goal of artificial general intelligence (AGI), alongside chess, poetry, and proving the Riemann hypothesis. That prediction is the founding inspiration behind TradingTransformer and NoArk.

Charts aren't what matter. As Claude Shannon — the father of information theory and a remarkable investor in his own right — put it: “I think that the technicians who work so much with price charts, with ‘head and shoulders formulations’ and ‘plunging necklines’ are working with what I would call a very noisy reproduction of the important data.” TradingView and tools like it are fine for what they are, but a price chart is a noisy reflection of what actually moves a business. We’d rather spend that attention on fundamentals and disciplined, low-frequency strategies than on chart patterns.

When life feels confusing, NoArk lets you ask the wisest people in history — chatting in the Fiat Lux tab with AI versions of history's greatest minds such as Charlie Munger, Steve Jobs, Albert Einstein, Leonardo da Vinci, and Marcus Aurelius. It's also a full AI super app for everyone's life and work — markets, productivity, travel, education and more — where you chat with Charlie across 40+ preset workflows, using text, voice, photos, or files. It's free to download on iPhone, iPad, Mac (Apple Silicon), and Apple Vision. The app comes in two tiers — Gold and Diamond. Plans start at $9.99/month — 50% off the regular price — as an early-bird offer, and every purchase comes with a 7-day money-back guarantee if you're not satisfied.

NoArk isn't trying to be another all-purpose chatbot. We're building the most trusted and most objective AI agent for the kind of high-end client who would traditionally hire a full-time executive assistant. Apple Intelligence, Google's Gemini, and Manus are impressive general-purpose tools — but they ultimately serve platforms, ecosystems, and advertising- or data-driven business models. NoArk serves only you. We don't monetize your attention or your data, so Charlie can give you straight, unconflicted judgment on your markets, decisions, and day-to-day life admin — the discretion and reliability you'd expect from a world-class executive assistant, in an app.

Your data stays yours. We don't collect your data ourselves. Everything you create in NoArk is stored locally on your device and in your own iCloud — not on our servers. When Charlie needs to reason over something, NoArk talks to large language models in the cloud through their APIs, and under those providers' API terms of service your content is not stored or used to train their models. In short: your memory lives with you, we never warehouse it, and the AI models we call don't keep it either. And it cuts both ways: by not hoarding your data, we also sidestep the ever-rising cost of storing it — one stone, two birds, good for you and good for us.

Because we truly don't collect any data. Most apps make you sign in so they can tie your activity to an identity and build a profile on you — that's exactly what we don't do. NoArk has no sign-in and no account: we never see your email, your name, or anything that identifies you. Everything you create stays on your device and in your own iCloud. No login means nothing to leak, nothing to sell, and nothing for us to lose on your behalf — with NoArk, privacy is the default, not a setting.

NoArk has a double meaning. First, it echoes Noah's Ark — a vessel built to carry what matters safely through a flood of change. Second, read it as “no ark”: in a fast-changing agentic era, no one is coming to save you with a ready-made ark. You have to become your own ark — and NoArk's AI agents help you do exactly that, carrying your knowledge, decisions, and memory forward.

The name came from an infinity pool. On a trip to Singapore, sitting by the infinity pool at our hotel — where the water seems to stretch on with no edge — we realized that if an AI could remember without limits, it would feel just like that: infinite memory. So we built NoArk to give Charlie a very long memory, carrying your context, conversations, and knowledge forward without ever hitting an edge.

Fiat Lux is Latin for “let there be light” — and it's also the motto of the University of California, where NoArk began. In the app, Fiat Lux is a dedicated tab. It captures what we're here to do: bring light to people, and bring out the light — the very best — in everyone.

Yes. Beyond markets, NoArk is built to educate — especially young people — by letting you learn directly from history's greatest minds. You can chat with AI versions of your personal heroes and luminaries across science, art, philosophy, leadership, and business, each ready to explore the big questions they spent their lives on. Here's everyone we support so far:

Someone missing? Email us the personal heroes and luminaries you love and admire who aren't here yet — they just need to be historical figures who have passed away — and we'll consider adding them.

In 2022, the final charity lunch with Warren Buffett sold for a record $19,000,100. Today you can chat with an AI Charlie — modeled on Buffett's lifelong partner, Charlie Munger — for free in the NoArk app. That's the whole point: we want to democratize access to the world's greatest minds and help close the wealth gap, not gate wisdom behind a $19 million price tag.

Because it changed our own lives. Our founders' education was made possible by scholarships — funding study abroad at the University of Cambridge, the University of Wisconsin–Madison, universities in Hong Kong, and the University of California. We saw firsthand that money has an outsized impact on young, hungry people — it opens doors, unlocks mobility, and creates long-term positive change for humanity. So we've committed to donate 50% of the profits from the NoArk app business to education causes, paying forward what we were given.

In 1948, Claude Shannon defined entropy as the measure of uncertainty — or surprise — carried by a stream of information: the less predictable a message, the more information it carries, measured in bits. It became the mathematical foundation of the digital age, underpinning everything from data compression to error-free communication. For investors the idea is intuitive: a price that is already fully predictable carries no information and no edge — the real signal lives in what the market hasn't yet priced in. NoArk's agents are built to find and act on that residual uncertainty, not the noise everyone can already see.

Both are “demons” that appear to conjure order out of randomness. Maxwell's Demon, imagined by physicist James Clerk Maxwell in 1867, is a hypothetical being that sorts fast and slow molecules to lower a gas's entropy — seemingly defying the second law of thermodynamics. The paradox was only resolved in the 20th century, when Leó Szilárd and later Rolf Landauer showed the demon must gather and ultimately erase information to do its sorting, and that erasing information itself costs energy. Information and physical entropy turned out to be two sides of the same coin — the very link Shannon's information theory made precise. Shannon's Demon, the volatility-harvesting rebalancing strategy named in his honor, is the financial echo: it extracts “order” — steady compounding — from the disordered, random churn of volatile prices. The deep lesson is identical in both cases: you can't get order for free. Maxwell's demon pays in energy; Shannon's demon pays in transaction costs. That's exactly why NoArk favors disciplined, low-frequency strategies where the cost of harvesting order never exceeds the order harvested.

Alongside his skepticism of technical analysis, Claude Shannon recognized the practical friction of real markets. He conceptually developed highly systematic, volatility-driven portfolio-rebalancing strategies — sometimes called “Shannon's Demon” — but never executed many of these mathematical ideas on Wall Street, concluding that the high commissions and transaction costs of frequent trading would quickly eat into any mathematical advantage over a simple buy-and-hold strategy. NoArk takes the same lesson to heart, favoring disciplined, low-frequency strategies where costs don't erode the edge.

Yes — and he was a friend and collaborator of Claude Shannon. Mathematician Edward Thorp derived an option-pricing formula essentially equivalent to Black-Scholes years before the famous 1973 paper, and used it to run one of the most successful hedge funds ever. The twist: when Myron Scholes and Robert C. Merton — who shared the 1997 Nobel Prize for that formula — co-founded the hedge fund Long-Term Capital Management (LTCM), Thorp declined to invest. LTCM then spectacularly collapsed in 1998 and needed a Wall Street bailout. The lesson we take to heart: elegant math isn't enough — disciplined risk management and respect for leverage and real-world costs are what actually last.

No — we're skeptical of it. The Sharpe Ratio, proposed by Nobel laureate William Sharpe, scores return per unit of standard deviation. But it only tells you about the past, not the future, and it treats standard deviation as if it equals risk — which we don't accept. Volatility isn't risk; the real risk is a permanent loss of capital. A strategy can post a beautiful historical Sharpe Ratio right up until it blows up (see LTCM). So instead of optimizing a backward-looking volatility statistic, we focus on avoiding permanent loss — never using leverage, staying long-only and fully funded.

We believe the things AI can't hand you: love and taste. As machines take on more of the work, your capacity to care for people, and to develop genuine taste — knowing what's good, true, and worth doing — become your real edge. Just as essential are the foundations that let you use them: your health and a solid financial base. NoArk is built to strengthen those foundations, so you're free to focus on what only you can bring.