# Almengine

*/Startups/Almengine*

## Startup Overview

The platform ingests real-time core banking telemetry to continuously compute interest rate and liquidity risk scenarios. Instead of running end-of-month batch processes, treasury teams access an always-on engine that models shifting deposit behaviors, loan prepayments, and yield curve variations as market conditions change.

Asset liability management teams typically rely on fragmented data extracts to calculate risk exposure. When rates move abruptly, risk officers face blind spots waiting for manual updates or external consultants to re-run simulations, exposing institutions to sudden liquidity crunches or net interest margin compression.

Unlike legacy spreadsheet models or heavyweight software from Fiserv ALM and Moody's Analytics, the system operates entirely without manual data wrangling. By mapping directly to the banking core, it replaces episodic risk reporting with fully automated stress testing that runs autonomously in the background.

## Startup Founding Hypothesis

**Approach**: that continuously computes interest rate and liquidity risk scenarios
**Competitors**:
- [Fiserv ALM](/Competitors/Fiserv_ALM)
- [Moody's Analytics](/Competitors/Moody's_Analytics)
- [legacy spreadsheet models](/Competitors/legacy_spreadsheet_models)
**Differentiator2x2**: fully automated and driven by real-time core banking telemetry

## Startup Solution Coordinate

**Solution**: [Almengine Risk Compute](/Software/Almengine_Risk_Compute)

## Startup Position2x2

```mermaid
quadrantChart
title Asset Liability Management
x-axis Manual/Batch Processing --> Fully Automated
y-axis Static/Periodic Data --> Real-Time Telemetry
quadrant-1 Continuous ALM
quadrant-2 Manual Telemetry
quadrant-3 Legacy Tools
quadrant-4 Batch Systems
Legacy Spreadsheet Models: [0.15, 0.15]
Fiserv ALM: [0.70, 0.35]
Moody's Analytics: [0.60, 0.45]
Almengine: [0.85, 0.85]
```

## Startup Brand

**Voice**: Authoritative and precise, grounded in the rigor of financial risk mathematics.
**Tagline**: Continuous asset liability modeling from live core banking telemetry.
**Icon Concept**: ledger
**Palette Intent**: institutional-cool
**Visual Identity**: Deep navy and slate gray dominate the palette, paired with dense monospaced typography that evokes quantitative modeling and live banking ledgers.
**Archetype Reference**: the-sage

## Startup Customer Journey

```mermaid
flowchart LR; A[Core App Marketplace] --> B[API Connector]; B --> C[Daily Liquidity Tracker]; C --> D[ALCO Report]; D --> E[Predictive Shock Engine]; E --> F[Examiner Export];
```

## Startup Proof Points

_Illustrative — target and order-of-magnitude estimate figures, not an achieved track record (this Thing is concept-stage)._

**Pilot Goals**:
- 30-day parallel run comparing automated outputs to existing manual ALM reports to validate zero manual CSV uploads and matching baseline projections
- 60-day historical backtesting pilot to calibrate institution-specific deposit decay curves and prove less than 2 percent deviation from actual core balances
**Target Metrics**:
- Target: <1 hour to generate full ALM committee reporting packages
- Target: 0 manual CSV file uploads required for daily liquidity tracking
- Aim: <1 second recalculation of asset-liability mismatches during rate shocks
- Target: <2% deviation between liquidity projections and actual core balances over 30 days
**Target Case Studies**:
- Community bank under $500M assets replacing multi-day manual Excel workflows with automated ALM committee reporting in under one hour
- Mid-market credit union utilizing real-time telemetry to model non-maturity deposit behaviors during macroeconomic rate shifts without manual CSV uploads
**Testimonial Targets**:
- Chief Financial Officer: Confidence that localized non-maturity deposit decay rates accurately reflect their specific market behavior rather than generic national averages
- Chief Risk Officer: Relief that automated shock scenarios produce fully transparent, examiner-ready assumption logs
- IT Director: Satisfaction with the secure, read-only database replication that integrates with locked-down core systems without disruption

## Startup Top Risks

**Risks**:
- Severity: existential · Description: Major core banking providers like Fiserv or Jack Henry block or restrict API access to the real-time telemetry required for the platform's continuous computation. · Mitigation Status: unmitigated
- Severity: high · Description: Federal banking examiners refuse to validate or accept the platform's automated models for official regulatory compliance and liquidity reporting. · Mitigation Status: in-progress
- Severity: high · Description: Prolonged 12 to 18 month enterprise sales cycles to regional banks deplete capital runways before sufficient recurring revenue is secured. · Mitigation Status: in-progress
- Severity: moderate · Description: High switching costs and staff familiarity with incumbent solutions like Moody's Analytics prevent risk managers from adopting a new automated workflow. · Mitigation Status: unmitigated

## Startup Competitors

- [Fiserv ALM](/Competitors/Fiserv_ALM) — Incumbent
- [Moody's Analytics](/Competitors/Moody's_Analytics) — Incumbent
- [Legacy Spreadsheet Models](/Competitors/Legacy_Spreadsheet_Models) — Status Quo
- [Empyrean ALM](/Competitors/Empyrean_ALM) — Specialized Vendor
- [Oracle ALM](/Competitors/Oracle_ALM) — Enterprise Incumbent

## Neighborhood

### Candidate solutions

- [Service Technician Shortage](/Problems/Service_Technician_Shortage) — candidate solution for · Problems

### What it offers

- [Almengine Risk Compute](/Software/Almengine_Risk_Compute) — offers · Software

### Embodies

- [Software](/Theses/Software) — embodies · Theses

### Composed of

- [Liquidity Scenario Service](/Services/Liquidity_Scenario_Service) — composes · Services
- [Interest Rate Worker](/Agents/Interest_Rate_Worker) — composes · Agents
- [Core Telemetry Agent](/Agents/Core_Telemetry_Agent) — composes · Agents
- [Risk Compute Engine](/Agents/Risk_Compute_Engine) — composes · Agents
- [Banking Telemetry API](/Agents/Banking_Telemetry_API) — composes · Agents

### Competitors

- [Oracle ALM](/Competitors/Oracle_ALM) — competes with · Competitors
- [Fiserv ALM](/Competitors/Fiserv_ALM) — competes with · Competitors
- [Legacy Spreadsheet Models](/Competitors/Legacy_Spreadsheet_Models) — competes with · Competitors
- [Empyrean ALM](/Competitors/Empyrean_ALM) — competes with · Competitors
- [Moody's Analytics](/Competitors/Moody's_Analytics) — competes with · Competitors

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