PHI is the first Hybrid Robo Investing Platform that allows to invest both in Traditional and Crypto Assets. PHI resolves Financial Industry’s problems (too high distribution costs, very weak expected return and lack of competition between asset managers) combining automated financial advice tools with human advisors preserving attributes such as emotional response, bias, judgment and the ability to assess the needs of the consumer. Thanks to Robo-digital advice & Blockchain technology PHI increases transparency in investment options and decisions and security in the client data information and privacy.