XTB rolled out an artificial intelligence-powered analytical chat inside its mobile app in Chile today (Monday), marking the tool's first market. The assistant is built to answer investor questions around the clock, using market data supplied by LSEG and Reuters, the company said.

The chat is meant to surface personalized market information, support portfolio analysis and make it easier for users to compare different assets, according to XTB.

It follows an AI-powered chat feature the broker had already been developing to handle basic client inquiries, which XTB said was fielding close to 100,000 AI-managed queries a month by late 2024.

Chile Leads a Phased Rollout Outside Europe

The tool is built directly into XTB's trading app, so the information it surfaces is meant to match a given investor's profile, the company said. XTB plans to extend the assistant to additional markets once the Chilean rollout is complete, starting with countries outside Europe.

A timeline for bringing the chat to Poland, XTB's home market, has not been set.

XTB Chief Executive Omar Arnaout said the tool is designed so "every investor will be able to receive the information most interesting to them," tailored, he added, to each user's experience level, risk appetite and approach to managing capital.

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Brokers Race to Wire AI Into Trading Apps

XTB's launch lands amid a broader push by retail brokers to embed AI tools directly into trading platforms. Webull introduced Vega Analyst in May, a modular research tool that builds custom stock reports from company fundamentals, valuation and technical data.

Dukascopy Bank went further in June, connecting JForex demo accounts to external AI assistants such as ChatGPT and Claude through a Model Context Protocol server, letting users place trades and adjust positions through chat instructions.

eToro and other brokers have introduced agent-based trading tools over the past year, while Tiger Brokers built one of the sector's earliest entries with TigerGPT back in 2023.

According to XTB, the Chile assistant functions as a research and information tool. It answers investor questions and surfaces market context, but it does not place trades on a user's behalf.

XTB's Own AI Buildout Predates the Chile Launch

XTB set up a dedicated AI division in 2023, hiring robotics researcher Tomasz Gawron to lead it, and has since applied AI to client onboarding, account migration and sentiment analysis of customer feedback, the broker has said.

The Chile rollout also extends XTB's push into Latin America. The broker obtained a securities agent license from Chile's Financial Market Commission in February 2025, its first regulatory approval in the region, giving Chilean clients access to more than 6,300 instruments through its platform.

Regulators Are Watching How AI Reaches Retail Investors

The launch comes as regulators scrutinize how AI tools reach retail investors. Britain's Financial Conduct Authority published its Mills Review on July 6, warning that AI systems performing functions economically similar to regulated financial advice sit outside the consumer protections that apply to licensed advisers. The review found that at least ten brokers had already connected AI agents to live client accounts before any framework governing the practice existed.

Whether AI-driven analysis tools help or hinder retail traders remains debated within the industry. An analysis published on FinanceMagnates.com by CPattern chief executive Oded Shefer pointed to data showing that 32% of traders quit before making 10 trades, while personalized information delivery was linked to a 75% increase in survivability, according to the figures cited in that piece.

XTB has not disclosed usage or engagement figures for the Chile launch, and the company has not said which non-European markets are next in line for the rollout.