Los Angeles, CA, August 3rd, 2025, FinanceWire
British fintech company CapitalMath is redefining wealth management with the official launch of its MAT Intelligent Strategy System—a platform designed not just as an investment tool but as a movement toward democratizing financial control. The company also announced the beginning of its global expansion plan.
At the core of CapitalMath’s philosophy lies a powerful belief: investing should not be a game reserved for the privileged few, governed by inaccessible rules and opaque advice. Instead, it should be a rational, transparent process available to everyone. Echoing Apple’s iconic “Think Different” campaign, the company stands by the idea that “only those who are crazy enough to think they can change the world are the ones who actually do.”
Breaking from a Flawed Legacy
Traditional wealth management systems appear professional on the surface but are riddled with inefficiencies and inequalities. Everyday investors face delays, costly consultations, and vague advice often rooted in personal bias or market “sentiment.” Worse yet, when asked why a financial decision was made, responses rarely go beyond “experience.”
As the late Charlie Munger once said: “If you cannot explain what you are doing with a model, you probably do not know what you are doing.” CapitalMath takes this to heart.
The company was born from decades of firsthand experience and introspection by its founder, Nicholas Hawthorne. After earning a Master’s in Applied Finance from Macquarie University in 1993, Hawthorne worked as a trader, hedge fund analyst, and asset allocation advisor on Wall Street—eventually earning over $1 million annually.
But the 2008 financial crisis changed everything.
As Lehman Brothers collapsed and trust in traditional institutions plummeted, Hawthorne asked himself: “Who really benefits from the advice we give? Are we serving clients, or protecting entrenched interests?”.
In 2009, he walked away from institutional finance and began sharing investment insights directly with the public online. By 2011, he was actively supporting the Occupy Wall Street movement and immersing himself in quantitative finance.
Building from Scratch
What began as a series of online financial tools evolved into a full-fledged fintech operation. In 2015, Hawthorne assembled a remote team of financial and tech professionals, setting the groundwork for what would become CapitalMath. In 2019, the company was officially established.
Through pivotal moments such as the rise of Bitcoin and the GameStop movement, CapitalMath gained valuable insights and attracted like-minded innovators:
- Harrison Cole, formerly of JPMorgan, joined the MAT system team in 2020.
- Charlotte Hayes, an advocate of financial inclusion since her university days, now serves as Global Head of Network Financial Services.
- Alexander Morgan, once a key contributor to IBM’s digital asset projects, left corporate tech to support CapitalMath’s mission.
The MAT System: Technology as Trust
CapitalMath’s MAT Intelligent Strategy System is built on three pillars:
- Automation: It executes the user’s investment strategy 24/7, without emotional interference.
- Logic: Every action is backed by data, mathematical models, and clear rationale.
- Personalization: The system tailors strategies to each user’s risk tolerance and financial goals.
The system provides investors with transparent insights into its decision-making processes, eliminating reliance on human memory, subjective judgment, or waiting periods. Investors retain full control over adjustments, with clear visibility into the rationale behind every decision.
As Steve Jobs once said, “Everything around you that you call life was made up by people who were no smarter than you.” That mindset fuels CapitalMath’s bold vision to question outdated norms and hand financial control back to users.
Quoting Yuval Noah Harari: “Algorithms will redefine trust.” CapitalMath embraces this idea fully—replacing guesswork with systems and emotion with verified logic.
Peter Thiel’s philosophy also resonates here: “Great businesses do not just improve the world, they rewrite it.” For CapitalMath, the goal is not to make advisors better—it’s to make them obsolete.
The Mission: Make Rational Investing a Right
CapitalMath aims to build a new foundation: one where anyone can access powerful tools and make data-driven decisions.
Whether users are new to investing or managing complex portfolios, CapitalMath is designed to provide:
- A system that runs even when users sleep
- A clear explanation behind every move
- Full control, based on rules users create
- A strategy that keeps its own pace—unmoved by daily market noise
Ultimately, the company believes investing is not about who is smartest, but who has the best system.
As CapitalMath moves forward, it is committed to refining its platform, expanding its global presence, and building the world’s most trusted intelligent investment infrastructure.
Because true financial freedom begins when systems are more reliable than emotions—and trust is built on logic, not promises.
About CapitalMath
CapitalMath is a British fintech company founded in 2019 by Nicholas Hawthorne, a former Wall Street professional with over 30 years of experience in financial markets. The company was born from a vision to challenge the traditional wealth management system and create transparent, logic-driven investment solutions for everyone.
Its flagship product, the MAT Intelligent Strategy System, empowers users to make informed investment decisions based on real-time automation, personalized strategies, and verifiable logic. The platform reflects CapitalMath’s belief that rational investing should be a basic right—not a privilege reserved for the few.
With a growing team of financial technologists and a global expansion underway, CapitalMath is committed to becoming the most trusted intelligent investment infrastructure worldwide.