WTM SimulateExperimental AI simulationBETA

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

Convene a panel of 20 to 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 to 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 to 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.