How It Works
An investor-owned risk profile — created once, shared on your terms.
PIRP allows investors to create an independent investment risk profile and securely share it with financial institutions when needed. The investor stays in control at every step.
You answer a standardized questionnaire — once.
PIRP generates your independent risk profile.
You decide who can see it, and for how long.
Financial institutions access it only with your approval.
Investor
You
PIRP Profile
Independent · Standardized
Approved Sharing
Financial Institution
Bank · Broker · Advisor
Client Journey
From first login to your personal risk profile.
Getting your PIRP profile takes four steps. The process is designed to be simple for any investor — no financial expertise required.
One questionnaire
You complete the questionnaire once. No need to repeat the process for every financial institution you work with.
You own the result
The profile belongs to you — not to the institution that advised you. You can update it, share it, or withdraw it at any time.
Standardized methodology
Every investor answers the same questionnaire and is evaluated with the same research-backed methodology, so identical answers always produce the same profile — creating a level playing field across the whole financial system.
Create Account
Register on the PIRP mobile app in a few minutes.
Answer Questions
Complete the standardized investment risk questionnaire at your own pace.
Profile Evaluation
Your answers are processed using a consistent, methodology-driven scoring model.
Investment Risk Profile
Your personal risk profile is generated and stored under your ownership — ready to share.
Result
Your Investment Risk Profile
Broker
The financial institution identifies a need to review investor suitability.
Requests Profile Access
The broker submits a formal access request through the PIRP institution portal.
Investor Approves
The investor receives a notification in the PIRP mobile app and reviews the request. They can approve or decline.
Profile Available
If approved, the broker gains read-only access for the agreed duration. No edits are possible.
Broker Journey
No access without permission.
A financial institution cannot simply look up a client's PIRP profile. They must submit a formal request — and the investor decides whether to grant access.
Investor always in control
The broker can request, but they cannot access. Only the investor's approval unlocks the profile — and that approval can be withdrawn at any time.
Read-only access
Financial institutions can view the profile but cannot modify it. The profile remains the investor's property throughout.
Time-limited access
Every access grant has a defined scope and duration. Access automatically expires, unless explicitly renewed.
Continuous Sharing
Long-term access for ongoing relationships.
For investors with an established relationship with a financial institution, PIRP supports continuous access. The institution can view the current profile at any time — until the investor decides otherwise.
Revocable at any time
Continuous access does not mean permanent access. You can revoke it instantly from the PIRP mobile app — no waiting, no forms.
Profile updates are reflected automatically
When you update your PIRP profile, the institution with continuous access always sees the most current version.
Designed for long-term advisory relationships
If you have a regular advisor or a bank you work with consistently, continuous sharing removes friction while keeping you in control.
Investor
Grants ongoing permission
Grant Permission
Explicit consent in PIRP app
Institution
Receives continuous access
Current Active Profile
Always up to date
↩ Revoke access at any time
One-Off Sharing
Share your profile for a single interaction.
When you need to share your profile for a one-time purpose — such as opening an account or completing a suitability check — PIRP provides two simple approaches. Both are temporary, permission-based, and fully auditable.
QR-Based Sharing
Share in person — instantly.
Generate a one-time QR code in the PIRP app and let the broker scan it. The process takes seconds and requires your final confirmation.
Client Generates QR
The investor creates a one-time QR code in the PIRP mobile app.
Broker Scans
The financial institution scans the QR code at the point of service.
Approval
The investor confirms the sharing action in the app.
Temporary Access
The institution receives a time-limited view of the investor's profile.
Request-Based Sharing
Approve a formal request remotely.
The institution sends a structured access request through the PIRP portal. The investor reviews it from the mobile app and approves or rejects it — from anywhere.
Broker Sends Request
The institution submits a formal access request via the PIRP portal.
Client Receives Request
The investor receives a notification in the PIRP mobile app.
Approve / Reject
The investor reviews the request and chooses to approve or decline.
Both sharing methods are temporary, permission-based, and fully auditable. Every sharing event is recorded in your profile history.
Transparency & Audit Trail
Every access event is visible to you.
PIRP is built on the principle of full transparency. Every action taken on your profile — sharing, viewing, updating, revoking — is recorded and available to you at all times.
Sharing History
Every time you share your profile — or approve an access request — it is recorded. You can see a complete list of who you have shared with and when.
Profile Access History
You can see every instance when your profile was viewed by a financial institution — including the date, time, and the institution involved.
Audit Trail
All profile events are logged in a tamper-evident audit trail. This provides a verifiable record for investors, regulators, and institutions alike.
Full Visibility
You are never left in the dark. PIRP is designed so that investors have complete visibility into how their profile is being used.
Example Profile Activity Timeline
Day 1
Profile created
Day 3
Access approved — Bank Alpha
Day 10
Profile viewed — Bank Alpha
Day 15
Profile updated by investor
Day 18
Access approved — Broker Beta
Day 25
Access revoked — Bank Alpha
This is an illustrative example. Actual audit records are stored securely and available only to the investor.
End-to-End Ecosystem Flow
The full PIRP journey — from investor to institution.
This diagram shows how PIRP connects every stakeholder in the investment suitability process — with the investor at the center and in control throughout.
Investor
Creates & owns the profile
PIRP Mobile App
Profile creation · Sharing controls · Notifications
PIRP Profile
Independent · Standardized · Portable
Sharing Permission
Always investor-controlled · Auditable
Financial Institution
Bank · Broker · Advisor — read-only access
Regulatory Transparency
Audit trail · Compliance visibility
How each step works
One questionnaire
Completed once by the investor via the PIRP mobile app.
Standardized evaluation
Processed using a consistent, methodology-driven scoring model.
Investor-controlled sharing
Every access request is reviewed and approved by the investor.
Portable across institutions
The same profile can be shared with any participating institution.
Full audit trail
Every access event is recorded and visible to the investor.
Core principle
One profile. Independent. Owned by the investor.
Shared across institutions. Visible to regulators. Always under your control.