When you automate, custody is the question that matters most. A managed account hands your capital to a person or firm who trades it for you. Non-custodial automation runs inside your own broker account through an API — you always hold the funds. This one difference shapes everything about your risk.

The managed-account risk

Handing over your money adds a risk that has nothing to do with the market: counterparty risk. If the manager is dishonest, sloppy, or simply insolvent, your capital can vanish regardless of how the trades did. Every major "trading fund" scandal shares this one feature — the victims didn't hold their own money (scam red flags).

How non-custodial works

Non-custodial automation connects to your existing brokerage with API keys that permit trading but not withdrawals. The software places orders; the money never leaves your account, and you can revoke access or pull the plug at any moment (your money, your keys). You keep custody and control end to end.

Never confuse "let it trade for me" with "let it hold my money for me." The first is a tool decision. The second is a trust you rarely get back.

The rule to live by

A legitimate automation tool should never require custody of your funds. If a product asks you to deposit money with them rather than connect your own broker, treat that as the red flag it is (custody). NoVo is non-custodial by design — you connect your own broker, keep your keys, and it executes within the boundaries you set (what to look for in a tool).