Stage 3: independently tested.
The rule that placed itSomeone other than the maker has tested it: an independent benchmark, a peer-reviewed paper, or a hands-on test by a trusted outlet.
The evidenceIn a Which? test of 15 common personal-finance questions graded by its money experts, five AI tools' answers were accurate 58% to 67% of the time, and some recommended products that did not exist. Which?, Jul 31, 2026.
A stage says how far the evidence has got. It is not a rating of the AI and not advice.
- 1ClaimedEvidence found
- 2LaunchedEvidence found
- 3Independently testedPlaced here
- 4Tested with real peopleNo evidence yet
- 5Regulator-clearedNo approval process exists
- 6Widely used with a verified recordNo evidence yet
Everything we found.
In ladder order, newest first within each kind. Makers' own claims are labeled as theirs.
What the makers claim
- Origin (company-reported)
“We've built the first complete AI financial advisor offered by a company regulated by the SEC”
Origin (company-reported) · Sep 9, 2025 · company-reported
What has launched
- Origin AI Advisor
Origin AI Advisor is available to the public.
Origin (company-reported) · Sep 9, 2025
What independent tests found
- Which? (UK consumer organisation)
In a Which? test of 15 common personal-finance questions graded by its money experts, five AI tools' answers were accurate 58% to 67% of the time, and some recommended products that did not exist.
“there were just too many inaccuracies and misleading statements”
Which? · Jul 31, 2026
- Ricardo Crisostomo and Diana Mykhalyuk (arXiv preprint, not peer-reviewed)
A 2026 preprint testing ChatGPT, Gemini, DeepSeek and Perplexity found their stock recommendations had recurring reasoning failures, including outdated or fabricated information, unless closely guided by people.
“recurring reasoning failures”
arXiv 2603.19944 · Mar 20, 2026
Rules and approvals
- UK · Testing scheme, not an approval · Financial Conduct Authority
The UK's Financial Conduct Authority runs an AI Live Testing service where firms such as NatWest, Monzo and Santander test AI, including for financial advice. It is a testing service, not an approval.
“harness AI to support debt resolution or provide financial advice”
Financial Conduct Authority · Dec 3, 2025
- US · Enforcement action · US Securities and Exchange Commission
The SEC charged two investment advisers, Delphia and Global Predictions, with false and misleading claims about their use of AI; they paid $400,000 in penalties.
“The firms agreed to settle the SEC's charges and pay $400,000 in total civil penalties.”
US Securities and Exchange Commission, press release 2024-36 · Mar 18, 2024
Not found in our sources yet: tested with real people; how many people use it. No regulator approves AI for this task, so the approval step doesn't apply.
Track record and tools.
Failures and court cases are shown beside the stage, never folded into it. Tools are listed because the evidence names them, in no order of merit.
- Origin AI AdvisorOrigin
- ChatGPTOpenAI
- GeminiGoogle
- Google AI OverviewsGoogle
- CopilotMicrosoft
- PerplexityPerplexity
- DeepSeekDeepSeek
Can AI do these yet?
Answer my health questions
Stage 4 of 6Tested with real people
Randomized trial: chatbot users made no better health decisions
Spot breast cancer on a mammogram
Stage 5 of 6Regulator-cleared
Transpara has been FDA-cleared since 2018, most recently in Aug 2026
Check a mole for skin cancer
Stage 5 of 6Regulator-cleared
EU Class III CE mark lets DERM clear benign cases alone (company)