How Arca Handles a $100,000 Tax Bill With AI and Human Approval — Aman Singh

Arca head of AI Aman Singh joins Latent Space head of editorial Richard MacManus at AI Engineer New York, to discuss how Arca is building an AI-native wealth management firm. Singh explains Arca's architecture, which includes a custom harness and persistent memory. He also digs into how Arca runs agentic workflows that span days, not hours. Arca: arcawealth.ai/ AI Engineer: ai.engineer/ Latent Space: latent.space/ Chapters: 00:00 Introducing Arca’s AI-native wealth management firm 01:40 How AI supports human financial advisors 02:40 Choosing models with internal benchmarks 04:01 Building a custom harness and routing tasks 05:25 Handling a $100,000 tax bill: Agents and human approvals 07:20 Agent memory across long-running tasks 09:22 Safety guardrails and prompt injection defenses 11:02 Compliance and auditability by default 12:14 “Agents prompt people more than people prompt agents” 13:46 Why Arca owns its agent infrastructure 15:05 AI-native firms versus firms using AI tools 16:09 Sandboxes and financial plan verification 18:40 Decision models and checking financial facts 19:51 Why trade execution stays with human experts 20:32 Turning staff feedback into evals and improvements 22:22 Turning operational knowledge into agent context 23:41 Client examples: Hidden fees and proactive service Sponsorship and business inquiries: business@latent.space