From Information to Delegation: Mapping Human-AI Financial Decision Making

As AI increasingly participates in human decision making, understanding how decision-making authority is distributed between humans and AI has become a fundamental behavioural question. We introduce a behavioural measurement framework combining intent and delegated decision authority to quantify what consumers seek from AI and how much decision-making authority they assign to it. Applied to 1.5 million real-world ChatGPT and Gemini interactions from 6,304 users in the United States and India, we find that financial services are already a substantial AI use case. Consumers overwhelmingly use AI to retrieve information and shape financial judgement, while delegation of financial execution remains rare. By shifting attention from conversation topics to delegated decision authority, this work establishes a behavioural baseline for measuring the transition to increasingly agentic AI.

Process Reward Informed Tree Rollout for Effective Multi-Turn RL

Reinforcement learning (RL) has become a key approach for training LLM agents, yet popular methods such as GRPO/RLOO rely on multiple independently sampled complete trajectories for advantage estimation. In long-horizon agentic tasks, such a uniform rollout strategy can waste budget on uninformative dead-end attempts, while promising intermediate states do not receive sufficient exploration. The multi-turn structure of agentic trajectories, with interleaved actions and observations, naturally supports organizing a trajectory group as a tree, where each turn serves as a decision point for exploration. This perspective reframes effective exploration as the problem of deciding where to branch. We propose Process-Scorer Guided Adaptive Tree Rollout (PATR), a quality-aware rollout framework for multi-turn agent RL. PATR uses task-appropriate process feedback to score partial trajectories, selectively branches from promising states, reuses shared prefixes, and conservatively stops degenerate paths to reduce wasted sampling. The resulting rollout groups remain compatible with standard policy optimization while providing more efficient exploration under the same training budget. We evaluate PATR on FrozenLake and the challenging SWE-Bench, which is largely unexplored by prior tree-rollout agent RL methods. Experiments show that PATR improves performance by up to +5.0 points on SWE-Bench and +9.3 points on FrozenLake, highlighting process-guided tree rollouts as an effective strategy for scalable multi-turn RL.

Empowering Polymeric Materials Discovery by Artificial Intelligence

Polymeric materials underpin modern technologies spanning energy storage, microelectronics, healthcare and sustainable manufacturing. Yet their rational design remains exceptionally challenging because material performance emerges from complex interactions among molecular composition, chain architecture, processing history and hierarchical structural evolution across multiple length and time scales. Consequently, polymer research has long relied on labor-intensive experimentation and fragmented modeling approaches, limiting both mechanistic understanding and innovation efficiency. Recent advances in data infrastructure, machine learning, large artificial intelligence (AI) models and laboratory automation are beginning to reshape this landscape. Rather than functioning as isolated tools, polymer databases, predictive models, AI agents and automated laboratories are increasingly converging into interconnected discovery ecosystems. As a result, the central challenge is shifting from improving predictive accuracy alone to enabling reliable decision-making, adaptive learning and seamless integration across computation, experimentation and scientific reasoning. We argue that polymer science is entering an era of autonomous discovery, in which data, simulation, reasoning and experimentation operate within self-improving feedback loops that continuously generate hypotheses, design materials, execute experiments and refine predictive models. By unifying molecular design, process optimization, experimental validation and industrial translation, such autonomous ecosystems establish a more predictive, reproducible and scalable paradigm for polymer innovation, fundamentally transforming how polymer research is conducted.

Kairos: A Native World Model Stack for Physical AI

World models are transitioning from passive visual generators to foundational, operational infrastructure for Physical AI: they must natively acquire world knowledge from heterogeneous experience, maintain persistent states over long horizons, and execute efficiently within real deployment constraints. We introduce Kairos, a native world model stack designed around these requirements. (1) Kairos learns the world by pioneering a Native Pre-training Paradigm governed by a Cross-Embodiment Data Curriculum, which organizes open-world videos, human behavioral data, and robot interactions into a progressive developmental pathway. (2) Kairos maintains the world by unified world understanding, generation, and prediction within a Native Unified Architecture equipped with Hybrid Linear Temporal Attention, where sliding-window attention captures local dynamics, dilated sliding windows capture mid-range dependencies, and gated linear attention maintains persistent global memory. We establish formal theoretical bounds demonstrating that this temporal factorization strictly limits error accumulation, mathematically guaranteeing state propagation across extended horizons. (3) Kairos runs the world by incorporating a Deployment-Aware System Co-Design to support low-latency rollout generation on server and consumer-grade hardware for real-world observation-action-feedback loops. Experiments on embodied world-model, long-horizon, and action-policy benchmarks show that Kairos achieves top level performance while offering a strong efficiency-capability trade-off. Together, these results position Kairos as a cohesive operational foundation for future self-evolving physical intelligence.

WEQA: Wearable hEalth Question Answering with Query-Adaptive Agentic Reasoning

Language models are remarkably capable at medical question answering, in some cases surpassing the accuracy of general physicians. However, answering questions about wearable health data remains challenging and understudied, as these ubiquitous sensors produce continuous, high-dimensional, and longitudinal data, which is non-trivial to align with text-centric distributions in LLM pretraining. The diversity of sensor modalities and user intents cannot be effectively handled by a fixed reasoning workflow or a single pretrained foundation model. To address these challenges, we propose WEQA, a query-adaptive agent framework that unifies LLM reasoning with specialized wearable analytical and modeling tools. An LLM controller is employed to synthesize execution plans and dynamically route each query to the appropriate combination of sensor analysis and pretrained models, and perform grounded response auditing with external knowledge. We also curate a benchmark spanning four open wearable datasets comprising analytic and predictive tasks in three different health domains. Experiments show that our framework is 24% more accurate than LLM and agentic baselines, and a blinded study with 12 medical experts and 8 users shows substantial gains in usefulness and clinical soundness.

HERO: Hindsight-Enhanced Reflection from Environment Observations for Agentic Self-Distillation

Reinforcement learning typically improves multi-turn agent capabilities through the terminal outcome of the trajectories, which makes it difficult to determine credit assignments for each intermediate turns. Recent on-policy self-distillation methods offer a promising alternative by converting privileged feedback into dense token-level supervision through a self-teacher. Our study is motivated by the unexpected performance degradation observed when naively extending this paradigm to multi-turn settings, which we attribute to a lack of alignment between privileged feedback, such as successful trajectories or terminal outcomes, and the student's current decision context. We introduce HERO, a hindsight-enhanced self-distillation framework that uses next environment observations as locally aligned feedback. After each rollout, HERO reflects on the completed interaction to convert each observation into a compact turn-level diagnosis, that captures actionable feedback about the original action such as its necessity, validity or failure cause. On TauBench and WebShop, HERO improves task success and reduces unnecessary turns over environment-feedback-only self-distillation and GRPO. It is especially effective under limited training turn budgets, where successful rollouts are rare and GRPO provides weak reward-contrast signals.

CoMem: Context Management with A Decoupled Long-Context Model

Context management enables agentic models to solve long-horizon tasks through iterative summarization of previous interaction histories. However, this process typically incurs substantial decoding overhead for the extra summarization tokens, which significantly affect the end-to-end response latency at deployment. In this paper, we introduce CoMem, a novel framework that decouples memory management from the primary agent workflow, enabling these processes to execute in parallel. We propose a $k$-step-off asynchronous pipeline that overlaps the memory model's summarization with the agent's inference, effectively masking the latency of context processing. To ensure robustness under this asynchronous setting, we introduce a reward-driven training strategy that aligns the memory model to capture sufficient statistics for the agent's decision-making. Theoretical analysis confirms that CoMem offers a superior efficiency-effectiveness trade-off compared to coupled architectures. Our extensive experimental results on SWE-Bench-Verified show that CoMem provides 1.4x latency improvements upon vanilla long-context solutions while preserving most of the performance. Furthermore, we demonstrate that these latency gains scale favorably with increased system throughput, offering a modular path forward for the independent optimization of agent reasoning and memory compression.

GlucoFM: A Dual-Stream Foundation Model for Continuous Glucose Monitoring

Continuous glucose monitoring (CGM) provides a dense view of daily metabolic physiology, yet existing generic time-series and CGM-specific foundation models often encode glucose traces as entangled single-stream sequences, leaving the distinct temporal structure of glycemic dynamics only implicitly modeled. We present GlucoFM, a lightweight CGM foundation model that aligns irregular recordings to a 24-hour chronological grid, preserves observation masks, and decomposes glucose dynamics into slow physiological state and transient event streams, capturing low-frequency glycemic baselines and short-term deviations that may reflect acute physiological responses or sensor artifacts. GlucoFM is pretrained on 109,066 hours of unlabeled CGM recordings from 477 subjects with two complementary objectives: masked contextual latent prediction over fused daily representations and temporal dynamics prediction over state and event streams. Across four diverse cohorts and seven clinical prediction tasks, GlucoFM achieves the strongest subject-disjoint linear-probing performance among evaluated baselines, improving average PR-AUC by 4.1 points over the best CGM-specific foundation model. Its gains are most pronounced on core metabolic outcomes, leading PR-AUC on all diabetes-risk and $β$-cell dysfunction tasks and on 3 of 4 insulin-resistance tasks. GlucoFM also achieves the best overall cross-dataset transfer performance and strong few-shot adaptation among evaluated methods, and consistent gains when aggregating multiple days for subject-level prediction, highlighting physiology-aware decomposition as an effective inductive bias for transferable CGM representation learning.

Towards a General Intelligence and Interface for Wearable Health Data

While ubiquitous wearable sensors capture a wealth of behavioral and physiological information, effectively transforming these signals into personalized health insights is challenging. Specifically, converting low-level sensor data into representations capable of characterizing higher-level states is difficult due to high phenotypic diversity and variation in individual baseline health, physiology, and lifestyle factors. Moreover, collecting wearable data paired with health outcome annotations is laborious and expensive, and retrospective annotation remains practically unfeasible, contributing to a scarcity of data with high-quality labels. To overcome these limitations, we propose a foundation model for wearable health that is pretrained on more than one trillion minutes of unlabeled sensor signals drawn from a large cohort of five million participants. We demonstrate that the joint scaling of model capacity and pretraining data volume leads to systematic improvements in performance, as evaluated on a diverse set of 35 health prediction tasks, spanning cardiovascular, metabolic, sleep, and mental health, as well as lifestyle choices and demographic factors. We find that this population scale representation unlocks label-efficient few-shot learning and generative capabilities for robust daily metric estimation. To further leverage this learned representation, we deploy a classroom of LLM agents to autonomously search the space of downstream predictive heads built on the model embeddings, showing broad performance improvements that increase with LLM model capacity. Finally, we show how integrating these downstream predictors into a Personal Health Agent can support model responses that are more relevant, contextually aware, and safe, and we validate this via 1,860 ratings from a cohort of clinicians.

ChipMATE: Multi-Agent Training via Reinforcement Learning for Enhanced RTL Generation

Existing API-based agentic systems for RTL code generation are fundamentally misaligned with industrial practice: they assume a golden testbench is available at generation time, rely on closed-source APIs incompatible with chip vendors' air-gapped security requirements, and cannot be trained on vendors' proprietary RTL codebases, leaving valuable internal data unused. Recent self-trained models address the deployment constraint but remain single-turn generators that overlook the critical role of verification in real industrial flows. To bridge these gaps, we present ChipMATE, the first self-trained multi-agent framework for RTL generation. Inspired by industrial practice where correctness emerges from cross-comparison between independently written RTL modules and reference models, ChipMATE pairs a Verilog agent with a Python reference-model agent that mutually verify each other's outputs without any golden oracle. We design a backtrack-based inference workflow to prevent error propagation across turns, and a two-stage training pipeline that first trains each agent individually to saturate its code-generation capability, then trains the team jointly to collaborate effectively. To support the training, we further build a hybrid data-generation framework that produces 64.4K high-quality reference model training samples. ChipMATE achieves 75.0\% and 80.1\% pass@1 on VerilogEval V2 with 4B and 9B base models, outperforming all existing self-trained models and even DeepSeek V4 with 1600B parameters. Our code and model weights are publicly available in https://github.com/zhongkaiyu/ChipMATE.