WTM SimulateExperimental AI simulationBETA

Eighty AI investors walk into a boardroom. The debate is the product.

Convene a panel of 20–80 AI investor personas — value, momentum, macro, contrarian, short-seller and more — to argue over any stock across multiple structured rounds. Stress-test your own thesis, watch consensus form and dissent persist, and see cognitive biases get flagged in real time. The output is a map of the disagreement, not a verdict to act on.

WTM SIMULATEPANEL · 80 AGENTSSHOWING 12 SEATSTICKER · MSFTVERDICT
CONSENSUS · ROUND 15
64% constructive, split on price
KEY DISAGREEMENT · entry valuation
BIAS FLAGGED · herding (9 agents cited the same source)
BULL30%
BASE45%
BEAR25%
BULL 64%PANEL SENTIMENTBEAR 36%
DEBATE FEEDROUNDS BATCHED · 8 AGENTS / CALL
VALUE-07at 32x forward earnings the entry math does not work
MOMENTUM-12breadth improving; leaders making higher highs
CONTRARIAN-03everyone in this room owns it; that is the risk
QUALITY-01ROIC above 25% for eight straight years
SHORT-09channel checks show inventory building in two segments
MACRO-05real rates here compress every long-duration name
BIAS MONITOR · anchoring detected in 3 agents · herding flagged round 11
EXPERIMENTAL AI SIMULATION — the debate above is an illustrative re-enactment. Agents are AI personas that may voice strong opinions; WhatsTheMoat endorses none of them. Educational research, not investment advice.
Experimental AI simulation

The agents are AI personas. They may voice strong, conflicting opinions during the debate — that friction is the point — and WhatsTheMoat endorses none of them.

This simulation is an experimental AI feature. The investor personas are AI-generated and do not represent real individuals or their views. The consensus, scenarios, and analysis presented are the output of a language model simulation and should not be interpreted as investment advice, recommendations, or predictions. Always conduct your own research and consult a qualified financial advisor before making investment decisions. Past simulation results do not indicate future accuracy. WhatsTheMoat is not a registered investment advisor.

How the verdict forms

The distribution is the verdict.

Every agent ends the debate with a final stance — one dot each, falling into a bull, base, or bear scenario bin. A tight pile means the panel converged; a flat spread means it genuinely disagrees, and that disagreement is the finding. No single number, no averaged-away nuance.

WTM SIMULATESCENARIO DISTRIBUTION · 80 AGENTSTICKER · MSFTVERDICT
80 AGENTS · BASE CASE LEADS · 45%
Dropped
80 / 80
Live split
30% / 45% / 25%
Consensus
BASE case leads · 45%
BULL30%
BASE45%
BEAR25%
Each dot is one agent's final stance after structured debate. The distribution is the verdict: a tight pile means consensus, a flat spread means the panel genuinely disagrees — and that disagreement is the finding.
EXPERIMENTAL AI SIMULATION · ILLUSTRATIVE DISTRIBUTION — NOT INVESTMENT ADVICE

Illustrative distribution for demonstration — every real run produces its own split from that simulation's debate.

How it works

Five stages, one structured argument.

A simulation isn't a chat with one model — it's an orchestrated pipeline that seeds evidence, builds a panel, runs the debate, and only then writes the report.

Stage 1
Seed

Gather financials, recent news, and (optionally) your own thesis as the debate's shared evidence base.

Stage 2
Graph

Map the company's entities, risks, and catalysts into a knowledge graph every persona argues from.

Stage 3
Panel

Spin up 20–80 investor personas across 20 archetypes — value, growth, macro, momentum, short-seller, and more.

Stage 4
Debate

Multi-round structured discussion. Personas push back, change positions, and get flagged for cognitive biases.

Stage 5
Report

Synthesize the consensus, the persistent dissents, and the bull / base / bear scenario distribution.

Three depths

Pick how long the panel argues.

Every tier runs the same five-stage pipeline — the difference is panel size and how many debate rounds the personas get before the report is synthesized. One credit runs one simulation, any tier.

Tier 1
Quick Scan

Fast sentiment check — one investor per archetype

20 investor personas
10 debate rounds
~2-3 min
Tier 2
Standard

Full debate with position shifts — two per archetype

40 investor personas
15 debate rounds
~4-6 min
Tier 3
Deep Dive

Thorough multi-cycle analysis — four per archetype

80 investor personas
20 debate rounds
~8-12 min

Credits never expire, and Pro subscribers get one free simulation every month. Pack pricing lives on the pricing page.

Put a stock in front of the panel.

Pick a ticker, choose a tier, and watch 20–80 AI personas argue it out. Your first step is a free account — the run itself takes one credit.

Experimental AI simulation. The personas are AI constructs and their debate is not investment advice or a recommendation.