Many in the finance sector still treat AI Agents as superficial “toys” or simple process orchestration tools, relying on complex Prompt Engineering to command general Large Language Models. This often results in poor performance or “technical idling,” where AI isn't smart enough to handle real-world complexity. The Vertu VPS fundamentally breaks this pattern with its MoA (Mixture of Agents/Experts) architecture, transforming AI into “professional special forces” capable of penetrating complex business processes. This is how the VPS delivers on its promise of being the definitive AI Agent Phone and AI Assistant.
The MoA Philosophy: Internal Capability Over External Crutches
The fundamental flaw in traditional AI implementation is relying on external scripts to dictate workflow. The Vertu VPS reverses this, building core capability internalized within the model itself.
- General Education + Specialized Mastery: The VPS treats its architecture as the AI world's “General Education + Specialized Mastery” system. It starts with an excellent open-source large model (the “undergraduate education”) for broad language understanding and basic reasoning.
- Specialized Small Models are the Essence: The true power lies in its Massive Specialized Small Models. For the thousands of specific roles in finance—like auditing rule validation, credit risk assessment, or compliance review—Distillation and Reinforcement Learning “condense” this professional knowledge into lightweight, efficient dedicated vertical small models (the “PhDs”).
Core Value 1: True Intelligence, High Precision, Low Hallucination
The VPS‘s MoA architecture ensures that intelligence is reliable and specialized, crushing the limitations of general models in high-precision financial domains.
- Intelligence, Not Orchestration: When a user gives a complex command (“Analyze the solvency of this financial report and highlight risk points”), the foundation model doesn't just run a script. It intelligently dispatches the “Financial Analysis Small Model” and “Risk Identification Small Model” to work collaboratively, delivering professional, reliable results and eliminating “technical idling.”
- Reliability Through Validation: Specialized small models, trained on specific financial data, offer far greater accuracy. Crucially, the VPS also trains “Validator Small Models.” When an audit report is generated, a dedicated small model acts like an AI audit reviewer, checking data consistency and wording compliance, significantly reducing hallucinations and proving far more reliable than standard RAG (Retrieval-Augmented Generation).
Core Value 2: High Efficiency, Low Cost, Continuous Evolution
The MoA approach provides the Vertu VPS with a sustainable, adaptable, and cost-effective technical edge vital for SMEs.
- Agile and Economical Computing: The compute power needed to train and run specialized small models is much lower than for large models. This allows the VPS to be flexible and cost-effective. Furthermore, when the foundation model is updated, the small models can be quickly re-distilled (e.g., in two weeks) to adapt, ensuring continuous technological edge without months of retraining.
- The Data Flywheel Effect: Through continuous user feedback and the secure input of high-quality data (strictly adhering to privacy regulations using federated learning and homomorphic encryption), these specialized small models can continuously accumulate experience like human experts, self-optimizing and creating a powerful “data flywheel”—a positive feedback loop for growth.
The Vertu VPS transforms AI from a superficial “toy” into a powerful “professional special forces” capable of penetrating complex business processes and creating real value. This specialized, high-precision approach is how the VPS truly delivers on the promise of enabling “one person with one phone = one company.”
