What an AI finance agent is
How an agent differs from a chatbot or a robo-adviser, what it can read and do, and the points where a person still has to decide.
AMBR AI agents: Ambre for personal finance and MIA for marketing, from the former Amber Premium
AMBR is the trading brand of Amber International Holding Limited (Nasdaq: AMBR), formerly Amber Premium. The AMBR AI agents available today are Ambre, an AI agent for personal finance offered by invitation, and MIA, an AI agent for marketing; two group entities hold virtual-asset licences in Dubai (VARA VL/26/03/003) and Singapore (MAS Major Payment Institution) for separate regulated services.
Ambre is an AI system. Its outputs can be wrong. It does not give personal investment advice. Where a transaction is offered, it is carried out by a licensed AMBR group entity or a third-party provider, not by the AI.
Not financial advice. Crypto is highly volatile and may drop in value significantly. You may lose the amounts you invest and your investments do not benefit from any form of financial protection.
| does | does not | who executes |
|---|---|---|
| Ambre personal finance, by invitation | ||
| Reads portfolios across brokerages, exchanges and wallets. Surfaces market signals. Runs ongoing monitoring and tasks. | Give personal investment advice. Carry out a transaction itself. | You decide. A licensed AMBR group entity or a third-party provider carries out any transaction. |
| MIA marketing | ||
| Monitors brand, competitors, markets, social channels, news and AI search. Prepares marketing work for approval. | Give investment advice. MIA is a marketing product, not a finance product. | Review each output before it is published or acted on. Which actions need approval is not published. |
Source: the live Ambre and agents pages, read 6 October 2026. Both agents are AI systems and their outputs can be wrong.
- Listed parent
- Nasdaq: AMBR
- Dubai licence, Amber Premium FZE
- VARA VL/26/03/003
- Singapore licence, Sparrow Tech
- MAS Major Payment Institution
- Former brand
- Amber Premium, until 31 August 2026
Facts on this page were last checked on against the VARA register, the MAS directory, the SFC applicant list and the Nasdaq quote page.
What each agent does today
Two agents are live. The matrix above is the short version. The two columns below add what AMBR has published about each agent, and say so where nothing has been published.
Ambre: personal finance
AMBR presents Ambre as its AI agent for personal finance. It turns scattered financial information into three things: a view of your portfolio, market signals matched to you, and ongoing monitoring with tasks. AMBR says users stay in control of consequential decisions and actions. The page on Ambre, the AI agent for personal finance covers what it reads, what it prepares and where it stops.
- status
- available by invitation, with a public waitlist
- first access
- verified clients of Amber Premium
- source
- rebrand release, 31 August 2026
Portfolio tracking across three account types
Portfolio Intelligence is the part of Ambre that brings holdings across brokerages, exchanges and wallets into one view. AMBR has not published which providers it supports. The page on the AI portfolio tracker for brokerages, exchanges and wallets sets out what is known about connections and what is still open.
MIA: marketing
AMBR presents MIA as its AI agent for marketing. It monitors a brand, its competitors, markets, social channels, news and AI search, then turns those signals into marketing intelligence, structured work and approved actions. MIA was developed inside AMBR's own marketing businesses, iClick and CMRS. More detail is on the page about MIA, the AI marketing agent, and the product itself runs at mia.ambr.io.
- figure
- more than 1,250 automated workflows run
- stated by
- AMBR; not independently verified
- source
- rebrand release, 31 August 2026
MIA is an AI system. Its outputs can be wrong. It prepares marketing work for approval; review each output before it is published or acted on.
Who is behind AMBR
AMBR is the trading brand of Amber International Holding Limited, a company listed on Nasdaq under the ticker AMBR. Trading began on 13 March 2025, and the Nasdaq quote page names the security as American Depositary Shares.
AMBR was called Amber Premium: the company operated under that brand name until it announced the new name on 31 August 2026. It now describes itself as a Nasdaq-listed agentic AI company that builds specialised AI agents for finance, enterprise and growth.
The About page lists the legal entities, licences and leadership. Shareholders can use the AMBR investor relations site.
- Legal name
- Amber International Holding Limited
- Listing
- Nasdaq quote page for AMBR, trading since 13 March 2025
- Origin
- Founded by the team behind Amber AI in 2017, which later became Amber Group, according to the company's About page
- Former brand
- Amber Premium; rebrand announced 31 August 2026
- Registered address
- Not published on the company site
How the group is regulated
Two group entities hold licences for virtual-asset services and a third company is an applicant. Each row uses the regulator's own wording and links to the public record. These licences cover those entities' own services. They do not make Ambre or MIA a licensed adviser.
-
Dubai: Amber Premium FZE
Virtual Assets Regulatory Authority
Amber Premium FZE is licensed by Dubai's Virtual Assets Regulatory Authority (VARA) for Broker-Dealer Services, Management and Investment Services and Lending and Borrowing Services (VASP Licence VL/26/03/003, issued 2 April 2026). Amber Premium FZE is permitted to serve Institutional Investors and Qualified Investors.
VL/26/03/003 issued 2 April 2026, status Active
VARA public register entry -
Singapore: Sparrow Tech Private Limited
Monetary Authority of Singapore
Sparrow Tech Private Limited, trading as Amber Premium Singapore, is licensed by the Monetary Authority of Singapore (MAS) as a Major Payment Institution for digital payment token services. This website does not promote the digital payment token services of Sparrow Tech Private Limited.
Major Payment Institution licence number not shown on the directory entry
MAS Financial Institutions Directory entry -
Hong Kong: application status
Securities and Futures Commission
Whalefin Markets Limited is a virtual asset trading platform applicant that is deemed to be licensed under Schedule 3G of the Anti-Money Laundering and Counter-Terrorist Financing Ordinance. It is not licensed by the SFC.
An interview reposted on the AMBR site says Amber International applied through this company and that the service has not launched. No Hong Kong service is described on this site.
Applicant, not licensed application submitted 21 February 2024
SFC list of platform applicants
The agents are software, not licensed advisers
Ambre and MIA are software products of the listed group. Neither is a licensed adviser. Where Ambre offers a route to a transaction, a group entity or a third-party provider carries it out, not the agent.
The full record is on the page listing licences and regulatory status by entity. The risk disclosure covers model error and market risk.
- are
- software products of Amber International Holding Limited
- are not
- licensed advisers, brokers or custodians
- executed by
- a group entity within its licence, or a third-party provider
What an agent may not do without you
AMBR has published four statements about who leads, who decides and who executes. The first is quoted as written on the live Ambre page; the other three follow its wording closely.
approval model, as published by AMBR
- led by
- “AI leads the experience while you remain in control.”
- decided by
- You. Users stay in control of consequential decisions and actions.
- backed by
- Human expertise, available when judgment or execution is required.
- executed by
- Services within AMBR's licensed scope, or applicable third-party providers, where you choose to pursue a transaction.
AMBR has not published which actions need your approval or what limits apply to an agent. The security page explains how the agents are controlled, and the guide to risk controls for AI agents that touch digital assets lists the controls to ask any provider about.
Agents in development
AMBR lists four more agents as in development. No release date has been published for any of them, and this page makes no claim about what they will do.
- Tradingin development, no release date published
- Institutional Financein development, no release date published
- Enterprise Securityin development, no release date published
- Organizational Managementin development, no release date published
Separately, AMBR describes A-MM (Agentic Market Making) as the first flagship component of its A-Suite of agent-native operating systems, launched in the first quarter of 2026.
Guides from the AMBR research team
Three explainers for people deciding whether to let software near their money or their brand. Each one is for information only and is not investment advice.
Company figures as reported
Three figures from the company's second-quarter 2026 results release. They are unaudited and are shown as the company reported them.
| Figure | Period | Amount |
|---|---|---|
| Total revenue | Q2 2026 | US$13.9 million |
| Agentic revenue | Q2 2026 | US$7.4 million |
| Total revenue | First half of 2026 | US$23.9 million |
Source: AMBR second-quarter 2026 results release. Last reviewed .
The About page carries the fuller table of company figures and legal entities.
Company announcements by date
- Amber Premium becomes AMBR and opens Ambre by invitation.
- Amber Premium FZE receives its VASP Licence from VARA in Dubai; the register shows the licence as issued on 2 April 2026.
- Amber Premium FZE receives in-principle approval from VARA.
- The company begins trading on Nasdaq under the ticker AMBR.
The company also runs an investor relations site at ir.ambr.io.
Contact, support and complaints
AMBR does not publish a customer support phone number. Start with the contact page, which lists each channel and what it is for. If something has gone wrong, the complaints procedure sets out the steps and who answers.
- Questions
- Use the page to contact AMBR about Ambre, MIA or the company.
- Complaints
- Follow the complaints procedure for the entity you dealt with.
- Quick answers
- Read the frequently asked questions about AMBR.
- Media relations
- +65 6022 0228, as published in AMBR press releases