CHARLES DAI / FINTECH PORTFOLIO
How much future
is in the value?
I build financial research tools that let you follow the assumptions into the result. Start with one question, change the horizon, and inspect the cash flows that remain.
Keep ten terminal years.
See what remains.
- Forecast through 2036
- $79.5bn
- Continuation, 2037–2046
- $169.0bn
- Continuation after 2046, excluded
- $119.3bn
01 / FEATURED FINTECH PROJECT
Frontier AI
Valuation Lab.
A complete research workspace for Anthropic and OpenAI. Build an operating cash-flow case, explain the differences between assumptions, and explore how hypothetical financing terms change ownership.
Explore the complete workspace
02 / FOLLOW THE RESEARCH
A question leads
to the next question.
Four connected ways to inspect the financial argument. Each opens the working tool.
How much value arrives later?
Choose how many terminal years to include. Separate the retained explicit forecast, the selected continuation and the continuation left beyond the cutoff.
Explore time dependenceWhich assumptions change the value?
Compare two complete operating cases. Read the signed attribution across six assumption groups and test the margin required for a chosen target.
Explain a comparisonWhat would change your mind?
Keep saved cases and comparisons with a rationale, critical assumption and review trigger. Export the complete research record to another browser or device.
Keep the reasoningWho owns what after the round?
Enter separate balance-sheet assumptions and a round price. Trace modeled equity, pre-money and post-money pricing, and ownership through a hypothetical primary issuance.
Explore financing mechanicsFinancing Lens opens a labeled hypothetical example with its own exact link and exports. Read the method or download the worked brief (PDF) .
03 / INSPECT THE WORK
The proof belongs
beside the demo.
The interface is one part of the project. The financial method, API contract, independent checks and source register are available to examine.
Explore the repositoryFinancial method
Explicit reinvestment, dated discounting and terminal returns on capital. Operating EV and hypothetical equity adjustments keep separate definitions.
Read the methodologyFull stack calculation contract
Shared deterministic calculations in the browser and a stateless Node.js API. Complete submitted inputs, bounded requests and explicit failure states.
Inspect the API contractIndependent numerical checks
Separate Python calculations and recorded fixtures make arithmetic reproducible. The verification record identifies what was checked and the limits of those checks.
Review the verification evidenceEvidence in context
Actual-period revenue, annualized run-rate, funding references and analyst assumptions retain their dates and distinct meanings.
Trace the source register04 / MY ROLE
Financial research.
Product decisions.
Shipped software.
I built Frontier AI Valuation Lab as an independent, AI-assisted portfolio project. My work connects financial-model review, interaction design, full stack implementation and reproducible verification.
The project presents conditional operating enterprise values from illustrative assumptions and incomplete public disclosures. Value Horizon is a truncation lens: it preserves the forecast through 2036, includes the selected terminal years, and assigns no cash flows or residual value after the cutoff. It does not forecast a company's closure or an investor's holding-period return.
Financing Lens uses separate hypothetical balances and transaction terms. Its simple primary round assumes equal economic rights and retained cash, with no fees, option-pool changes, SAFEs, secondary sales or preference waterfall. The example does not establish either company's balance sheet or cap table.
Application 3.5.0 · Financial engine 3.0.0 · Research snapshot 18 Oct 2026. No live financial-data refresh, security-specific price target or investment-return claim.