Trade with AI
Trade with AI is Composer's chat builder: describe a stock or ETF rule in plain English and get a backtestable, automatable strategy.
For anyone with a trading idea but no code, Trade with AI is the shortest path from a sentence to a running strategy — the $0 Starter tier gives you one automated strategy and unlimited backtesting, and $10/mo Advanced gets you to five. Pro is $32/mo billed yearly ($384/yr) and only makes sense if you need full API access or Skip Trading/Go to Cash overrides. It is not built for sub-second execution, crypto support ended January 31, 2026, and Canadian accounts are unavailable as of March 2025. Composer's June 2026 acquisition by SoFi means the roadmap is now someone else's to set — watch the next few quarters.
Verified 5d ago · liveness 79/100 · cite: rightaichoice.com/tools/trade-with-ai
- Investors who want automated, AI-assisted stock and ETF trading without learning to code
- Active traders who want to backtest a specific rule before committing real capital
- Retirement savers deploying algorithmic strategies in Roth, Traditional, or Rollover accounts
- Fund managers and business entities needing multi-algorithm portfolios, API access, and full strategy IP
- Day traders needing sub-second execution — automated trades run on scheduled windows
- Anyone needing crypto trading — support ended January 31, 2026
- Canadian residents — accounts have not been available in Canada since March 2025
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Skip Trade with AI if you need sub-second execution, crypto trading, or Canadian account access — automated trades here run on scheduled windows, crypto support ended January 31, 2026, and Canadian residents have not been able to open accounts since March 2025.
Starter caps you at one automated strategy and 200-node strategies, so a real multi-strategy portfolio forces the $10/mo Advanced or $32/mo billed-yearly Pro upgrade.
The $0 Starter tier is the cheapest way to test a real, backtested trading idea anywhere in this category — better than QuantConnect's paid tiers for someone who just wants to validate one rule. $10/mo Advanced fits solo investors running a small multi-strategy portfolio. $32/mo billed yearly ($384/yr) Pro competes on capability, not price: Wealthfront and Betterment charge less but hand you a portfolio rather than a strategy engine.
In short
Trade with AI — Trade with AI is Composer's chat builder: describe a stock or ETF rule in plain English and get a backtestable, automatable strategy. Best for Investors who want automated, AI-assisted stock and ETF trading without learning to code, Active traders who want to backtest a specific rule before committing real capital, Retirement savers deploying algorithmic strategies in Roth, Traditional, or Rollover accounts. Free to start; paid plans from $10/mo.
What's new in Trade with AI
Checked 5 days agoAcross the latest 1 update: 1 feature update.
What people actually say about Trade with AI — is it worth it?
We ran a structured research pass across product reviews, community discussions, and post-purchase forum threads to surface the patterns vendors won't publish themselves. Below: the recurring strengths, the hidden costs people mention most, and the cohort that consistently regrets adopting this tool.
40 mentions across 4 sources (Hacker News, YouTube, Product Hunt, Lemmy) · researched Jul 3, 2026.
Average across the 4 sources that answered — each source counts once, not each post.
- +No-code strategy creation from plain-English prompts lowers the barrier to algorithmic trading.
- +Free tier includes AI strategy generation, backtesting, and access to 3,000+ community strategies.
- +End-to-end automation from idea to live execution without writing code.
- +Option writing (covered calls, cash-secured puts) expands strategy types beyond simple buy/sell.
- +Community-built strategies allow users to remix and learn from top performers.
- −Limited community feedback outside Product Hunt; real-world performance unverified.
- −US passport not accepted for identity verification; may block American citizens.
- −YouTube and HN discussions are mostly off-topic, not about the tool itself.
- −No publicly available independent performance reviews or comparisons.
- −Paid Trading Pass ($32/mo) required for live trading and unlimited backtesting.
- • Possible fees on trades via Composer's brokerage partner (not clear in pricing)
Viability Score
How well maintained and how widely used is Trade with AI? Built from what the vendor actually publishes (docs, changelog, tutorials, integrations, pricing), whether the site is live, and how much real users discuss it. How we calculate this
Last calculated: October 2026
How we score →Key Features
- AI strategy generation from plain-English prompts
- No-code visual editor with ANY/ALL condition logic
- Unlimited backtesting on the free Starter plan
- Automated live trading of stocks and ETFs
- AI-curated top performers from 2000+ community strategies
- Strategy remixing: swap assets, adjust logic, change parameters
- Portfolio analytics: TWR, CAGR, Sharpe Ratio, Max Drawdown, Std Dev
- Chart comparisons with SPY, QQQ and event markers
- Retirement account support (Roth, Traditional, Rollover)
- Options writing: covered calls and cash-secured puts
- Full API access to pull data, run backtests, and trade (Pro)
- Manual trade overrides: Skip Trading and Go to Cash (Pro)
- Business accounts with mark-to-market accounting and full IP ownership
- Priority automated trade timing closer to market close (Pro)
- Referral program: $100 for you, $50 for the friend you invite
About Trade with AI
Trade with AI is the conversational strategy builder inside Composer, a broker-dealer platform for automated stock and ETF trading. You describe a rule in plain English — say, buying an ETF when it drops below its 200-day moving average — and the AI drafts a strategy you can refine through chat or rebuild in the no-code visual editor. It is built for people who want algorithmic trading without writing code. The workflow is end-to-end: create, copy, backtest, remix, and execute. AI surfaces top performers from a library of 2000+ community-built strategies, and every AI-curated strategy stays fully editable — swap assets, change trading logic, or tune parameters by chat or in the visual editor. Composer's infrastructure powers over $215 million of automated trades per day, with $37+ billion in lifetime trading volume and $200+ million in assets on the platform. Pricing is tiered: Starter is $0 and includes automating your first strategy plus unlimited backtesting in the no-code editor. Advanced is $10/mo and raises the limit to five automated strategies. Pro is $32/mo billed yearly ($384/yr) and adds full API access, manual trade overrides (Skip Trading and Go to Cash), priority automated trade timing closer to market close, and priority support. Business accounts add multi-algorithm portfolios, mark-to-market accounting, and full IP ownership. Composer was acquired by SoFi in June 2026 and now operates as Composer by SoFi, with accounts, strategies, and fees unchanged at announcement. Against robo-advisors like Wealthfront or Betterment, Trade with AI gives you the strategy itself; against coding platforms like QuantConnect, it removes the programming barrier.
Behind the Verdict
Trade with AI attacks the one part of algorithmic trading that keeps most people out: translating a rule you'd say out loud into something a machine can run. You type a condition, the AI drafts the strategy, and you can either refine it in chat or open the no-code visual editor and swap assets, adjust ANY/ALL condition logic, or change parameters directly. Every AI-curated strategy stays editable — nothing is a black box you can only run. Two things separate it from a ChatGPT prompt that spits out Python: the backtest runs against real historical data with TWR, CAGR, Sharpe Ratio, Max Drawdown, and Standard Deviation, and the same strategy can be executed live, with 2000+ community strategies to remix and a library the AI surfaces top performers from. The platform reports $215M+ of automated trades per day, $37+ billion in lifetime trading volume, and $200+ million in assets. Weaknesses are real. Trades run on scheduled windows, so this is not a day-trading tool. Crypto support ended January 31, 2026, and Canadian residents can't open accounts as of March 2025. The free Starter tier caps strategy size at 200 nodes and one automated strategy; serious multi-strategy portfolios push you to Advanced at $10/mo or Pro at $32/mo billed yearly ($384/yr). Options writing (covered calls, cash-secured puts) exists but is not appropriate for every investor. If you want raw backtesting control or custom code, QuantConnect and Alpaca go further. If you want a hands-off robo-advisor, Betterment and Wealthfront cost less and ask nothing of you. Trade with AI occupies the middle: you supply the idea, it supplies the execution. The June 2026 SoFi acquisition is the open question — accounts, strategies, and fees were unchanged at announcement, but a broker-dealer's parent company now sets the roadmap.
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Real-world workflow fit
Concrete scenarios for the personas Trade with AI actually fits — and what changes day-one when you adopt it.
You want to buy QQQ whenever it closes below its 200-day moving average and rotate to bonds otherwise. You type that into Trade with AI, get a draft strategy back, open the visual editor to confirm the ANY/ALL conditions, and run the backtest.
Outcome: You see TWR, CAGR, Sharpe Ratio, and Max Drawdown for the rule versus SPY on one chart, then flip Starter's single automated slot on so it trades on schedule — all without paying a subscription.
You open a Roth account, use Trade with AI to remix a top-performing community strategy by swapping in your preferred ETFs, and refine the entry logic in the no-code editor.
Outcome: The strategy runs automatically inside the retirement account, with account-level TWR and Max Drawdown tracked alongside your other accounts.
You need several algorithms running across markets with real-time accounting. You call Composer for a Business account, wire the API into your reporting, and build a portfolio of diversified automated strategies.
Outcome: You get mark-to-market accounting, 15,000-node strategy headroom, full IP ownership of the strategies you built, and priority support.
Use Cases
- Describe an investment thesis to the AI and get a diversified automated strategy back
- Backtest a trend-following rule on a portfolio of ETFs before committing real capital
- Remix a top-performing community strategy by swapping assets and adjusting entry conditions in the no-code editor
- Run an automated, no-code algorithm inside a Roth, Traditional, or Rollover retirement account
- Build a multi-algorithm portfolio for a fund using the Business account, API, and real-time accounting
- Write covered calls on stock you already own to generate premium income on a schedule
- Compare a candidate strategy's CAGR, Sharpe Ratio, and Max Drawdown against SPY and QQQ on one chart
- Use the free Starter tier to test one automated strategy with unlimited backtesting before paying anything
Limitations
- Automated trades execute on scheduled windows, not continuously, so this is not a sub-second day-trading platform.
- Crypto trading ended January 31, 2026, and Canadian residents have not been able to open accounts since March 2025.
- Account size limits scale by plan: Starter strategies cap at 200 nodes and one automated strategy, Advanced at 350 nodes and five strategies, Pro at 10,000 nodes and 500 strategies, Business at 15,000 nodes.
- Node limits are not just complexity limits — the seed data notes Starter can only invest in limited-size strategies, so a large allocation into a complex strategy may require an upgrade.
- Pro's $32/mo rate is the yearly billing price ($384/yr), not a month-to-month rate.
- FINRA and SEC regulatory fees are charged separately on the sale of securities.
- Composer has joined SoFi and now operates as Composer by SoFi; accounts, symphonies, and fees were unchanged at announcement, but the roadmap is now set by the parent company.
- Options strategies can lose more than your original investment, and automated strategies can lose money like any other.
as of 2026-10-03
Verification history
We have re-verified Trade with AI 8 times since . Each pass re-reads the vendor's own pages and re-checks every listed field against that evidence; passes where nothing had changed are marked as such.
- — re-verified summary, description, our verdict, our analysis, pricing model, pricing tiers, features, integrations, who it suits, who should skip it
- — re-verified summary, description, our verdict, our analysis, pricing model, pricing tiers, features, integrations, who it suits, who should skip it
- — re-verified summary, description, our verdict, our analysis, pricing model, pricing tiers, features, integrations, who it suits, who should skip it
- — re-verified summary, description, our verdict, our analysis, pricing model, pricing tiers, features, integrations, who it suits, who should skip it
- — re-verified summary, description, our verdict, our analysis, pricing model, pricing tiers, features, integrations, who it suits, who should skip it
- — re-checked, vendor evidence unchanged
Showing the 6 most recent of 8 verification passes.
Free to cite with attribution — this page re-verifies continuously.
12-month cost
Project the real annual outlay, including the implied monthly cost when only an annual tier is published.
Vendor list price only. Add-on usage, seat overages, and contract minimums are surfaced under Hidden costs & gotchas.
Plans compared
For each published Trade with AI tier: who it actually fits, and what it adds vs. the previous tier. Cross-reference the cost calculator above for projected annual outlay.
Starter
$0/mo
Ideal for
A solo investor testing one automated idea — you get unlimited backtesting, one live automated strategy, and Trade with AI to evaluate ideas, with no subscription.
What this tier adds
Starting tier and free entry point: no subscription, but strategies cap at 200 nodes and you can only automate one.
Advanced
$10/mo
Ideal for
A solo investor running a small portfolio of three to five automated strategies who has outgrown the single Starter slot.
What this tier adds
Adds automation of up to 5 strategies, 350-node strategy size, and more Trade with AI usage per week over Starter.
Pro (billed yearly)
$32/mo billed yearly ($384/yr)
Ideal for
A serious individual investor or small operator who needs API access, manual trade overrides, or hundreds of automated strategies.
What this tier adds
Adds 500 automated strategies, 10,000-node strategies, full API access, Skip Trading and Go to Cash overrides, priority trade timing, and priority support — $32/mo only when billed yearly ($384/yr).
Business
Custom
Ideal for
Fund managers and business entities that need multi-algorithm portfolios, real-time accounting, and to own the IP in the strategies they build.
What this tier adds
Adds mark-to-market accounting, 15,000-node strategies, diversified multi-market algorithm portfolios, real-time portfolio management, and full IP ownership; priced by call.
Where the pricing makes sense
The company stage and team size where Trade with AI's pricing actually pencils out — and where peers do it cheaper.
The $0 Starter tier is the cheapest way to test a real, backtested trading idea anywhere in this category — better than QuantConnect's paid tiers for someone who just wants to validate one rule. $10/mo Advanced fits solo investors running a small multi-strategy portfolio. $32/mo billed yearly ($384/yr) Pro competes on capability, not price: Wealthfront and Betterment charge less but hand you a portfolio rather than a strategy engine.
Setup time & first value
How long it actually takes to get something useful out of Trade with AI — broken out by persona, not the marketing-page minute.
On Starter, you can have your first automated strategy running the same day you open the account: describe the rule to Trade with AI, check the backtest, and switch it on. Advanced ($10/mo) adds a few minutes if you're splitting capital across five strategies. Pro ($32/mo billed yearly) needs time for API keys and override settings. Business onboarding starts with a call and is measured in days
Switching to or from Trade with AI
How to bring data in from common predecessors and how to get it back out — written for the switcher, not the buyer.
- →From spreadsheets and manual rules: describe your existing entry and exit conditions to Trade with AI, backtest them, then automate the version that survives.
- →From QuantConnect or Alpaca code: rebuild the logic in the no-code editor using ANY/ALL conditions, then compare the backtest against your old numbers before switching capital over.
- →From a robo-advisor like Betterment or Wealthfront: open a Composer account, transfer or fund it, and remix a community strategy rather than starting from a blank canvas.
- →From a community strategy you found in the library: copy it, swap the assets and parameters, and save your version before automating.
- ↗To QuantConnect or Alpaca: export your rule logic from the visual editor and reimplement it in code where you get raw backtesting control.
- ↗To a robo-advisor: liquidate the automated strategy, transfer the account, and accept a hands-off portfolio at lower cost.
- ↗To a self-directed brokerage: turn off automation and hold the underlying stocks and ETFs, since strategies run on Composer's infrastructure.
Integrations
Resources & Guides
Tutorials & Learning
YouTube returned 6 videos for “Trade with AI”, and we withheld 6: 6 did not mention Trade with AI. We are showing none, because we could not prove any of them are about Trade with AI.
Official links
Tools that pair well with Trade with AI
Common stack mates teams adopt alongside Trade with AI, with the specific reason each pairing earns its keep.
R0Y
R0Y is a natural language financial studio that builds live investment dashboards from plain-English questions.
Rose AI
Agentic data platform with 50M+ financial time series, plain-English queries, and traceable logic trees.
Composer
Composer by SoFi lets you build, backtest, and auto-trade no-code algorithmic strategies — now with Trade with AI and full API access on Pro.
Featured Head-to-Head Comparisons
Trade With Ai vs Cryptohopper
If you trade crypto and want a cloud bot with copy trading, DCA, and AI/LLM integrations via MCP, Cryptohopper is your pick. If you trade stocks/ETFs and prefer generating strategies from plain English—plus options writing and community curation—Trade with AI (now part of SoFi) is the way to go. They no longer overlap in asset class, so choose based on what you trade.
Trade With Ai vs Bitsgap
Choose Trade with AI if you focus on stock/ETF automation with AI-driven strategy creation and retirement account support. Choose Bitsgap if you need crypto trading bots across multiple exchanges. Trade with AI’s recent acquisition by SoFi and crypto deprecation make it stronger for equities, while Bitsgap remains a dedicated crypto bot platform with diverse bots and a risk-free demo.
Trade With Ai vs Transfix
These two tools serve completely different industries: Transfix is a freight brokerage TMS with AI-driven pricing and workflow automation, while Trade with AI is an algorithmic trading platform for stocks and ETFs. If you're a freight broker needing to automate RFPs and pricing, choose Transfix. If you're an individual investor seeking AI-powered automated trading without coding, choose Trade with AI. They are not competitors.
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