SharesiesMANAGED-FUND ORDER / SETTLEMENT IN PROGRESS
WAIT IN PROGRESSOPTIONAL · SKIP WITHOUT CONSEQUENCE
SHARESIES / OBJECT 01
Your money is moving. The wait can still make the next step clearer.
One object opens one customer world. The live agent appears when the real wait begins.
INDEPENDENT CONCEPTPUBLIC SOURCES · SIMULATED CUSTOMER DATANO CLIENT AFFILIATION OR PRODUCTION ACCESS
PROPOSED / SIMULATEDSharesies
Explore the journey ↓ASSEMBLY / SHARESIES01—03
INVESTING + KIWISAVER / ACTIVE SETTLEMENT JOURNEY
The Two Days.
A published settlement clock becomes time the customer can actually use.
SharesiesMANAGED-FUND ORDER · SETTLEMENT
CHECKING DEMO CONNECTIONAN ACTIVE CUSTOMER MOMENT
Use the processing time for learning
JOURNEY AGENT
I can explain this worked managed-fund settlement, run a short independent learning check, or show the thank-you routes still under review. None is an active offer here, and I won’t recommend an investment or fund.
A proposed, permissioned rewarded wait that makes a managed-fund settlement example legible, then lets the customer complete an independent learning action before reviewing possible value routes. Airpoints, a Sharesies-funded KiwiSaver contribution, charity and no reward remain separate pilot options under review.
CURRENT CUSTOMER MOMENT
Moana’s worked-example sell order has filled. The proceeds are visible, but withdrawal remains limited while the trade settles on a T+2 clock.assembl SCOPE
ACTIVE SETTLEMENT JOURNEYINDEPENDENT CONCEPTPrepared for Sharesies product + customer experiencePUBLIC SOURCES · SIMULATED CUSTOMER DATA · NO CLIENT SYSTEM ACCESS
ONE REAL WAIT / ONE USEFUL CHOICE
Use the processing wait for learning, then choose where value goes.
The worked order is still settling. A short independent learning action can improve the customer's own next step. It must never reward a trade, a larger contribution or a riskier choice.
VALUEassembl·
WAITING FOR A CHOICEThe next step stays open
No customer context has been used.
PILOT THANK-YOU / NOT AN OFFER
Choose an eligible useful action, or keep waiting.
- WHO FUNDS IT
- Sharesies pilot budget. Route values and eligibility remain unresolved.
- WHEN IT IS EARNED
- After an independent learning action, never after a trade or contribution.
- THE SKIP ROUTE
- Each route is separate. No reward changes investment guidance or order processing.
- EXISTING PROGRAMME
- Sharesies · current Airpoints information ↗
SharesiesACTIVE CUSTOMER JOURNEY / PROPOSED
SCROLL DOWN · THE JOURNEY MOVES SIDEWAYS01 / 0301 / THE CLOCK
The wait becomes visible, not mysterious.
The journey explains the worked T+2 settlement state, what is available now and what remains restricted. The customer can leave without losing the thread.
ACTIVE SPECIALISTSettlement explanation specialist
VISIBLE PROOFTrade clock sourced · no invented urgency
SharesiesLIVE MOMENT
T+2 · LIVE SETTLEMENT WAIT$1,284.6053 hours in this worked example
WHILE THE TRADE SETTLESSee exactly what is happening without having to chase it.
Use this waitJust notify me
Settlement explanation specialistTrade clock sourced · no invented urgency✓
CONTEXTPERMISSIONWORKPROOF
02 / PILOT VALUE ROUTES
The customer can review the possible thank-you.
Only after the worked learning check and customer review does the preview show Airpoints, a proposed Sharesies-funded KiwiSaver contribution, a chosen charity or no reward as separate pilot options. Values, eligibility and programme approval remain unresolved; no route depends on investing more, choosing a fund or accepting advice.
ACTIVE SPECIALISTLearning + value-route specialist
VISIBLE PROOFWorked learning gate visible · options labelled under review · nothing issued
SharesiesASSEMBLING
PROPOSED VALUE ROUTERYou chooseApproved menu · optional · no fund choice required
USE 90 SECONDS · ROUTE THE VALUEComplete an independent learning check, then review possible value routes.
AAIRPOINTSUSE IT NOWKKIWISAVERPROPOSED · BUILD IT♥CHARITYPASS IT ON—NO REWARDKEEP STATUS ONLY
Learning + value-route specialistWorked learning gate visible · options labelled under review · nothing issued✓
CONTEXTPERMISSIONWORKPROOF
03 / THE RECEIPT
The proposed reward is governed, not gamified.
The worked receipt records the wait, learning draft, reviewed option and the permission that would be required. Airpoints and the proposed KiwiSaver contribution remain separate possible routes; a personal question stops at the licensed-advice gate.
ACTIVE SPECIALISTReward ledger + human advice gate
VISIBLE PROOFPermission field visible · proposed route only · advice boundary visible
SharesiesHUMAN GATE
VALUE-BACK RECEIPTChoice heldIssue only after consent · trade keeps settling
THE REWARD DOES NOT BUY A DECISIONThe worked receipt records learning, a proposed route, the permission gate and the advice boundary—not a product choice.
Review receiptKeep my question
Reward ledger + human advice gatePermission field visible · proposed route only · advice boundary visible✓
CONTEXTPERMISSIONWORKPROOF
✓PROOF
SEALED
SEALED
THE HUMAN REMAINS NAMED
Moana controls every instruction. An appropriately licensed person owns any personal recommendation; the active journey can explain, calculate an illustration and prepare, but it cannot advise.
assembl prepares, explains and carries approved context. It does not turn preparation into an autonomous high-stakes decision.
CONTEXT USEDOnly this moment
CUSTOMER CONTROLReview · change · decline
HUMAN OWNERNamed in the journey
TRACESource · action · approval · time
START NARROW
One T+2 worked settlement state: show the clock, offer one optional education action, let the customer review possible value destinations and prove the licensed-advice boundary.
Primary measure
Fewer settlement questions · learning completed · destination chosen · advice boundary respectedTHEN EARN THE VISION
A coherent investing journey across order, settlement, wallet, KiwiSaver education and human help—where every status has a useful next step and every action has a visible authority.
The larger journey is proposed only after the first wait proves utility, trust and operational fit.
TRUTH BOUNDARY
Sharesies currently offers Airpoints through eligible plans, insurance premiums and prize draws, while investments in the Sharesies KiwiSaver Scheme are explicitly excluded from earning Airpoints or prizes. This demonstrator therefore treats Airpoints, a possible Sharesies-funded KiwiSaver contribution, a charity route and no reward as separate pilot options under review. Values, eligibility, programme approval, value routing, MCP use and resulting actions are proposed assembl concepts, not current Sharesies features, current offers or financial advice.
Start with one wait.
Prove one useful next step.
This room is isolated from every other client concept. The customer interaction is implemented here. Client data, system access, reward approval and production action remain proposed.
THE UNFINISHED PARTWhat constraint have we misunderstood?Tell assembl one thing ↗
Proposed client concept · assembled by assembl·