Fintech products:Automated Financial Decision and Risk Governance System for Gold/Silver (US Patent: Application No. 63/955327)

Fintech products:Automated Financial Decision and Risk Governance System for Gold/Silver (US Patent: Application No. 63/955327)

The present invention discloses an automated financial decision and risk governance system comprising a data acquisition module, a financial decision engine, a multi-layer risk governance engine, and a trade execution module. The system performs real-time calculation of account risks through a portfolio floating profit-and-loss (P&L) function and a risk exposure function, and automatically triggers multi-level risk control mechanisms according to predefined risk thresholds, including soft hedging, hard hedging, hedge unlocking, and system termination mechanisms. By establishing an independent risk governance layer between trade decision-making and trade execution, the present invention effectively controls portfolio risks and enhances the stability and capital protection capabilities of automated trading systems. The system is applicable to trading and asset management in markets for securities, futures, foreign exchange, precious metals, crypto assets, and derivative financial instruments thereof.