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Waton Financial to Bring MoTA’s Multi-Agent Investment Platform to Individual Investors

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HONG KONG, July 13, 2026 /PRNewswire/ — With MoTA’s public beta scheduled for Q3 2026, the Nasdaq-listed AI company is betting that institutional-grade portfolio intelligence should be available to a much broader group of investors – not only the wealthiest.

One figure highlights a fundamental challenge in wealth management: 1.2%, the average annual fee charged by a human financial advisor to manage assets. On a $500,000 portfolio, that translates into $6,000 a year. Investors with smaller portfolios are often offered little more than a questionnaire and a standardized basket of ETFs marketed as “personalized” advice. Waton Financial Limited (Nasdaq: WTF) believes its AI agent platform, MoTA, can offer an alternative.

The premise is straightforward, but the model behind it is more ambitious. MoTA – short for Manager of Trading Agent — doesn’t scale advisory costs by headcount. Instead, it brings together a team of four or more specialized AI agents that analyze cross-market data, monitor portfolio risk, construct portfolios, and translate their findings into clear, actionable insights. Similar multi-agent architectures have been used by hedge funds for years. MoTA’s proposition is to make this approach available to individual investors, with economics that do not depend on whether an account holds four figures or seven.

“For decades, the industry has treated high-quality financial advice as a premium service,” said Tony Zhou, Waton’s Chairman and CTO. “That made sense when good advice depended on a human advisor with a CFA charter and a Bloomberg terminal. AI changes the economics. An AI agent does not get tired, does not require a minimum AUM requirement, and has no incentive to recommend the fund that pays the highest commission.”

That distinction matters. MoTA’s advisory engine is not a single model generating generic, one-size-fits-all allocations. It is an orchestration layer – what the company calls its Agent Orchestration Engine – that coordinates multiple specialized agents. A research agent analyzes fundamental data and technical signals. A risk agent monitors position sizing and correlations. An allocation agent aligns recommendations with user-defined goals, such as retiring in 15 years, making a down payment on a home in three, or funding a child’s education in 10. An advisory agent then presents the reasoning – not just the conclusion – in language users can question, refine, or act on.

What the Agent Talents Market Makes Possible

In June, MoTA Alpha launched alongside a feature still relatively uncommon in fintech: a marketplace for AI agents. The Agent Talents Market allows third-party developers to build and list their own specialized agents, ranging from retirement-planning specialists and ESG screeners to tax-loss-harvesting agents. This architecture means MoTA’s advisory capabilities are not limited to Waton’s internal R&D; they can expand as more developers build on the platform.

For individual investors, the difference can be substantial. A traditional wealth management firm typically assigns each client a single advisor, with additional support often reserved for larger accounts. MoTA, by contrast, allows users to deploy multiple teams, each comprising four or more specialized AI agents. One team might monitor Hong Kong small-cap stocks while another tracks the user’s exposure to U.S. technology stocks, with both working simultaneously. Because AI agents can operate continuously without charging by the hour, this model offers broader coverage at a fundamentally different cost structure.

Delivering that level of flexibility, however, depends on building a broad and diverse ecosystem of specialized agents. Rather than relying solely on agents developed in-house, Waton is also working with external partners and third-party developers to expand the range of capabilities available through the platform.

Waton’s partnerships with Panda AI and Tsinghua-linked X-Tech, announced in March, are intended to support the development of this ecosystem. The company expects the first third-party advisory agents to become available in the marketplace by late 2026.

Why Pixel Art

MoTA’s visual identity draws on 8-bit pixel art, featuring neon green against deep purple, CRT-style scan lines, and typefaces reminiscent of a 1990s Game Boy. It is an unconventional choice for a financial product.

“Most fintech apps use the same blue-and-white, highly serious visual language,” Zhou said. “That aesthetic can make finance seem complicated and best left to professionals. We wanted to send the opposite message. Pixel art means anyone can pick this up. People do not need a finance degree to play a video game, and they should not need one to play a more active role in managing their money.”

The idea behind the design is simple: understanding finance is not just about having the right knowledge, but also about making it easy for people to get started and stay involved. Many people lose interest because investing can feel complicated and time-consuming. MoTA is designed to make the experience feel more approachable, so more people can take an active interest in managing their investments.

The Numbers Behind the Narrative

Waton listed on Nasdaq in April 2025 at $4.00 per share. The company currently holds approximately $29.88 million in combined cash and segregated cash, with a net cash position of about $28.08 million. Waton believes this gives it sufficient runway to take MoTA through public beta and into its advisory rollout without raising additional capital.

The broader market outlook also points to strong growth. Global robo-advisory assets are projected to reach approximately $72 billion by 2030, representing annual growth of about 30%. Yet many existing products remain broadly similar, relying on passive ETF portfolios and limited personalization, while user satisfaction has plateaued. MoTA is betting that investors want a service that goes beyond a risk-tolerance questionnaire and scheduled portfolio rebalancing.

MoTA’s public beta is scheduled for Q3 2026 and will initially include onboarding tools for new investors, personalized analysis of U.S. and Hong Kong equity portfolios, and goal-based planning. Future plans include services for high-net-worth clients, digital asset allocation, and deeper integration with Waton’s brokerage infrastructure.

About Waton Financial Limited
Waton Financial Limited (Nasdaq: WTF) is the world’s first Nasdaq-listed AI agent holding company. Its flagship product, MoTA (Manager of Trading Agent), is an AI-powered investment platform designed to support users across the investment process, from trade execution to intelligent analysis and advisory services. Powered by a multi-agent architecture, MoTA combines advanced investment capabilities with a distinctive pixel-art interface. Waton also serves brokerage firms worldwide through its Broker Cloud platform and a range of SaaS and AI infrastructure solutions.

Media Contact
Website: https://wtf.us
Investor Relations: https://ir.wtf.us
Explore MoTA: https://mota.ai 

Disclaimer: This press release contains forward-looking statements. Actual results may differ materially from those expressed or implied. This is not investment advice. Past performance does not guarantee future results.

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SOURCE Waton Financial Limited

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Ramp Launches Ramp for Construction to Help Companies Catch Job Overruns Before Month-End

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New capabilities automate job coding for field crews and give finance real-time visibility and control across every project

NEW YORK, July 14, 2026 /PRNewswire/ — Ramp today launched Ramp for Construction, a suite of construction-specific capabilities across Ramp’s financial operations platform to help general contractors, builders, and subcontractors control spend at the job level, protect margins, and catch overruns before they happen.

For many construction firms, overruns surface at month-end, after card charges, invoices, approvals, and job codes have finally been reconciled—and after the margin is already gone. The problem is fragmentation: cards in one place, AP in another, approvals over email, and job coding in spreadsheets. In a nearly $2.2 trillion U.S. industry built around tight job-level margins, disconnected systems make it harder for contractors to see and control spend in real time.

Ramp for Construction connects the field and back office at the point of spend. Field crews get a simpler way to make purchases, capture receipts, and confirm job details without sorting through irrelevant codes or chasing paperwork weeks later. Finance teams get cleaner project data from the start, managed centrally and synced with the systems they already use.

“I drop the invoice in and Ramp pulls all the amounts, retainage included, and matches it against what’s committed on the PO,” said David Anderson, Accountant at Dick Anderson Construction. “It updates in real time as I enter invoices and change orders, so when it’s time to release, I just check the balance in Ramp and release it, no separate report needed.”

Ramp for Construction adds construction-specific capabilities across Ramp’s cards, expense, and accounts payable platform:

Less admin for field crews: Ramp AI pre-fills the job, phase, and cost code based on the field worker and expense, so crews simply one-click review and confirm. Mobile and SMS receipt capture keeps submissions quick.Project-based approvals: Route expenses and bills to the project manager accountable for each job, giving construction firms a first line of defense to review spend, catch issues, and maintain control before costs are approved.Real-time project visibility: Ramp tracks card, bill, and purchase order activity to show actuals vs budget as spend happens on each project.Automated retainage tracking: Ramp tracks retainage from purchase order through release, helping general contractors enforce holdbacks, reduce manual spreadsheet work, and protect against financial risk.Compliant subcontractor payments: Ramp checks that lien waivers, W-9s, and certificates of insurance meet company policy before payment, helping teams reduce risk without adding manual review to every payout.

“Construction firms should have the visibility they need to manage project profitability in real time,” said Geoff Charles, Chief Product Officer at Ramp. “Every card swipe and invoice should hit the right job, cost code, and budget the moment money moves. Ramp for Construction gives finance teams the controls to enforce compliance, protect margins, and act with confidence as projects evolve.”

Ramp for Construction is already helping firms improve operations. More than 70% of receipts are matched within 24 hours, field teams submit 2.7x more transactions with accurate cost coding at the time of submission, and teams save more than 15 hours each month through automated retainage tracking and compliance document reviews.

Ramp for Construction supports Viewpoint Vista, Viewpoint Spectrum, Sage 100 Contractor, Sage 300 CRE, Sage Intacct, Sage Intacct Construction, CMiC, Acumatica, NetSuite, and QuickBooks Online.

Ramp for Construction is available now. Learn more at ramp.com/construction.

About Ramp

Ramp is how companies save time and money on every dollar they spend. It’s the smart financial infrastructure behind every card swipe, invoice, and reimbursement – streamlining approvals, processing payments, and closing the books automatically. More than 70,000 organizations, from family farms and space startups to the Fortune 100, have saved over $12 billion and 27 million hours with Ramp. For the median customer, that translates to 5% savings on expenses and 16% revenue growth in their first year. Founded in 2019, Ramp powers over $200 billion in purchases annually. Learn more at www.ramp.com.

* Ramp does not include bank transfers or non-monetized payments when calculating Total Purchase Volume.

press@ramp.com

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SOURCE Ramp

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Eagle Hill Retention Index: Employee Retention Outlook Softens as Workers Reassess Their Options

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Declining Compensation Sentiment and Renewed Confidence in Job Opportunities Signal Growing Attrition Risk—Especially Among Millennials

ARLINGTON, Va., July 14, 2026 /PRNewswire/ — The latest Eagle Hill Consulting Employee Retention Index declined 1.3 points in the second quarter of 2026 to 104.2, marking its lowest level in the past year and signaling that U.S. workers will be less likely to remain in their current roles over the next six months. While retention remains relatively strong by historical standards, the latest data suggest employers may be entering a period of increased workforce mobility.

The decline comes as employees grow less satisfied with their compensation while simultaneously growing more optimistic about opportunities in the external job market. Notably, these shifts occurred even as employees’ confidence in organizations and satisfaction with workplace culture improved.

“Today’s workforce is sending employers a nuanced message,” said Melissa Jezior, president and chief executive officer of Eagle Hill Consulting. “Employees generally feel good about their organizations and workplace culture, but many are questioning whether their compensation and long-term growth opportunities are keeping pace with the market. When workers begin to believe they have better options elsewhere, retention risks increase, even inside organizations with strong cultures.”

The findings come as the broader labor market sends mixed signals. The latest Job Openings and Labor Turnover Survey (JOLTS) showed job openings holding steady at 7.6 million, exceeding expectations and suggesting opportunities remain available for workers considering a move. At the same time, the June jobs report showed hiring slowed considerably, highlighting a labor market that is cooling but continues to offer opportunities for skilled talent.

“Employers shouldn’t interpret a slower hiring market as a reason to become complacent,” Jezior added. “Workers are evaluating the entire employee experience, not just whether they have a job, but whether they see a future with their employer. Organizations that invest in career development, leadership, culture, and meaningful rewards will be in the strongest position to retain critical talent as mobility begins to increase.”

Key Retention Index Indicators

Compensation Indicator: Declined 5.6 points, representing the only indicator to weaken this quarter.Job Market Opportunity Indicator: Increased 1.9 points, reflecting growing optimism about external job opportunities.Organizational Confidence Indicator: Increased 0.9 points, rebounding after two consecutive quarters of decline.Culture Indicator: Increased 0.3 points, continuing its steady upward trend for a fourth consecutive quarter.

Millennials Emerge as the Biggest Retention Risk
Although overall retention outlook declined modestly, the largest shift occurred among Millennials. Millennials experienced a 6.1-point decline in the Retention Index, signaling that they pose an attrition risk. They were the only generation to report declines across organizational confidence, compensation, and culture while simultaneously expressing greater confidence in outside job opportunities.

As Millennials increasingly occupy management, leadership, and specialized professional roles, this shift could have outsized implications for organizations.

“Millennials now represent the backbone of leadership pipelines across many organizations,” said Jezior. “When this generation begins questioning whether to stay, employers risk losing institutional knowledge, leadership continuity, and future executives. The findings underscore why retaining high-potential talent must be a core business and workforce planning priority, not just an HR initiative.”

Generational Gap Begins to Narrow
Unlike previous quarters, retention outlooks across generations became more closely aligned.

Gen Z reported a modest decline.Millennials experienced the sharpest drop.Gen X became more likely to stay.Baby Boomers also showed improved retention sentiment.

Compensation Increasingly Drives Retention Decisions
The Compensation Indicator experienced its sharpest decline in recent quarters, suggesting employees are placing greater emphasis on total rewards, future earning potential, and advancement opportunities.

Combined with improving perceptions of external job opportunities, the findings indicate workers may increasingly compare what they receive today against what they believe they could earn elsewhere.

The Eagle Hill Employee Retention Index is a first-of-a-kind market indicator that tracks worker sentiment across four proven drivers of retention: organizational confidence, culture, compensation, and job market opportunity.

The Organizational Confidence Indicator measures how confident employees are in their organization’s future and leadership.The Culture Indicator looks at employee sentiment about their workplace culture, connections, and whether they feel valued and recognized.The Compensation Indicator measures how employees view their compensation, benefits, and ability to grow their compensation at their organization.The Job Market Opportunity Indicator measures how employees perceive external prospects for employment and job security in the near term.

Each month, the Eagle Hill Consulting Employee Retention Index measure shifts in workforce retention based upon ongoing employee opinion surveys on factors related to worker intentions to change jobs. As the Employee Retention Index increases, it signals an increase in retention in the next six months. As the Employee Retention Index decreases, it signals to employers that workers are more likely to leave their jobs, and organizations can expect more turnover in the next six months.

The Eagle Hill Consulting Employee Retention Index is based on a monthly omnibus survey conducted by IPSOS of a nationally representative sample of U.S. adults employed full- or part-time. Quarterly indices and reports are issued based on a minimum of 1,200 aggregated responses per quarter. Respondents are polled on a range of workforce topics including organizational confidence, culture, compensation, and job market opportunity.
The survey commenced in December 2022, and the most recent data was collected from April and June 2026.

Eagle Hill Consulting LLC is an award-winning business that provides unconventional management consulting services in the areas of Organizational Performance, Business Intelligence, Technology Enablement, Talent, and Change Management. The company’s expertise in delivering innovative solutions to unique challenges spans across Fortune 500 companies, government agencies, and global nonprofits. Eagle Hill has offices in the Washington, D.C. metropolitan area, Boston, MA, and Seattle, WA. More information is available at www.eaglehillconsulting.com.

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SOURCE Eagle Hill Consulting LLC

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New Flywheel Report Shows How Brands Can Turn Fragmentation into a Competitive Advantage

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The Big Shift outlines how a Total Commerce approach can connect media, retail, trade and consumer engagement as shopping journeys become increasingly complex.

BALTIMORE, July 14, 2026 /PRNewswire/ — Flywheel, a leader in commerce and technology solutions and part of the Omnicom (NYSE: OMC) Integrated Media offering, today released The Big Shift: From Managing to Mastering Fragmentation, a new white paper examining how AI-powered search, social commerce, retail media and organizational silos are reshaping the way brands drive growth.

While 80% of consumers (OM Research, Connected Commerce 2024) now take a non-linear path to purchase, many brands still manage media, retail, trade, and shopper marketing through separate teams, budgets, and performance metrics. According to Flywheel, that disconnect leads to wasted media investment, missed sales opportunities, unmeasured promotional impact, and reduced organizational agility.

The report argues that brands must adopt a Total Commerce approach, a business model that unifies consumer discovery, retail activation, media investment, trade planning, and measurement into one operating system focused on business outcomes rather than channel performance.

“The way consumers discover and buy products has fundamentally changed,” said Mike Feldman, SVP Commerce at Flywheel. “A shopper might discover a product through a creator, research it through an AI assistant, purchase it through a retailer marketplace and pick it up in-store, all within a few hours. The brands winning today are not treating those moments as separate channels. They are organizing around one connected consumer journey.”

The report notes that TikTok generated $33.1 billion in gross merchandise volume in Q1 2026, surpassing eBay and demonstrating how quickly discovery and purchase are converging on a single platform.

The report identifies three forces accelerating the fragmentation challenge:

Consumer discovery has fundamentally changed. Social platforms have become primary discovery engines, with 73% of Gen Z and 67% of Millennials (Salsify, 2025) citing social media as their main source for learning about new products. Nearly half of social media users have also used influencers in their purchase journey.AI is becoming a new discovery channel. Thirty-six percent of consumers, including 45% of Gen Z and 51% of Millennials (OM Research – GEO Update April 2026) say they have shifted most of their searches from traditional search engines to generative AI platforms.Retailers have become media companies. Retailers now operate advertising businesses, premium content platforms and closed-loop measurement capabilities that increasingly connect media exposure to purchase behavior.

The report arrives as marketers grapple with many of the same trends that dominated conversations at this year’s Cannes Lions Festival of Creativity, including creator commerce, retail media, and AI-powered discovery. Against that backdrop, The Big Shift emphasizes the continued importance of physical retail, arguing that while discovery increasingly happens across creators, AI, retail media and connected TV, the shelf remains one of the most critical moments in the consumer journey.

“The physical shelf is still one of the most important moments in commerce, but it is no longer where the consumer journey begins,” said Phil Camarota, Chief Creative Officer at Flywheel and President of the Cannes Lions Creative Commerce Jury. “By the time a shopper reaches a store or product page, they have already been influenced by creators, retail media, reviews, AI recommendations and countless other touchpoints. The brands that succeed are creating one connected experience, across all those moments.”

The report also highlights Flywheel client Danone’s “Become a Home’Rista” campaign as an example of Total Commerce in action. Built around the insight that many consumers believed barista-quality coffee required professional expertise, the program connected influencer content, retail media, digital shelf activation and in-store experiences across multiple retailers. The campaign generated 641 million impressions and multi-brand halo sales across Danone’s portfolio.

Ariel Dalton, Head of Strategic Insights, Planning & Connected Commerce at Danone shared: “We uncovered what we call the ‘barista gap’ and built a campaign that inspires consumers to recreate and elevate the coffeehouse experience at home. The success of this campaign demonstrated the power of pairing a compelling consumer insight with the strength of Danone’s portfolio, to deliver a daily ritual that feels both elevated and unique to the consumer. What began as a pilot in 2025 has evolved into one of our flagship programs, scaling across multiple retail activation nationwide.

“Fragmentation leaves brands with a simple choice: manage it or master it,” Feldman said. “Brands that own consumer journeys across channels, orchestrate with retailers around shared outcomes and align internally around one set of goals will create competitive advantage. The brands that master fragmentation will define the next era of commerce.” 

About Flywheel:

Flywheel, a leader in commerce and technology solutions and part of the Omnicom (NYSE: OMC) Integrated Media offering, provides best-in-class service that combines tailored expertise with advanced software solutions to help clients drive incremental sales, market share, profitability, and measurable commerce growth.

A leader across major marketplace platforms, Flywheel combines global scale and influence with a customized, client-centric approach designed to deliver impactful business outcomes. Client success remains at the center of the company’s mission.

With operations across the Americas, Europe, APAC, and China, Flywheel is widely recognized for the scale of its retail media capabilities, while delivering value across the entire commerce ecosystem. The company helps brands navigate the evolving commerce landscape through integrated solutions built to accelerate growth and performance.

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SOURCE Flywheel Digital

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