> For the complete documentation index, see [llms.txt](https://xio.gitbook.io/xio/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://xio.gitbook.io/xio/welcome/problem.md).

# Problem

## Retail Traders Struggle

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**90% of retail traders lose money,** not due to lack of effort, but due to **poor decision-making.**
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**Current trading platforms fail to meet the evolving needs of modern investors,** focusing only on surface-level features: "low fees", "seamless UX", "fast execution", and "liquidity"—while ignoring the systemic problems retail traders face.

**They fail to address:**

* **Decision-making under pressure**: Tools to counteract emotional and impulsive trading.
* **Missed opportunities**: Unable to monitor the markets all day and a lack of actionable insights.
* **Data overload without meaning**: The absence of simplified, meaningful analytics to guide trades.

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**Summary:** Products are competing on distribution and fees, rather than addressing real user needs.
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***