# Solvencycore

*/Startups/Solvencycore*

## Startup Overview

The system maps raw transaction feeds directly to capital adequacy ratios. It ingests financial data from across enterprise ledgers and calculates risk-weighted assets and capital tiers as trades and transfers settle. Treasury teams maintain a precise, current view of their capital position without waiting for end-of-period reconciliation.

Financial institutions operate under strict regulatory frameworks that demand precise capital reserve reporting. Traditional compliance workflows rely on fragmented data extraction, forcing teams to compile these metrics manually at the end of the day or month. This latency creates compliance risk and forces banks to hold excess capital as a buffer against blind spots.

Replacing manual Excel models and legacy treasury workstations like Kyriba and FIS Integrity, the engine calculates metrics continuously rather than in rigid batches. Every ratio output maintains a direct mathematical link to the underlying raw transactions. This architecture makes every calculation instantly verifiable for internal risk management and external regulatory audits.

## Startup Founding Hypothesis

**Approach**: that maps raw transaction feeds to capital adequacy ratios
**Competitors**:
- [Manual Excel Models](/Competitors/Manual_Excel_Models)
- [Kyriba](/Competitors/Kyriba)
- [FIS Integrity](/Competitors/FIS_Integrity)
**Differentiator2x2**: continuous rather than batch-processed, and instantly verifiable for regulatory audits

## Startup Solution Coordinate

**Solution**: [Capital Adequacy Engine](/Software/Capital_Adequacy_Engine)

## Startup Position2x2

```mermaid
quadrantChart
    title Regulatory Capital Mapping Position
    x-axis Batch Processed --> Continuous Processing
    y-axis Manual Audit --> Instantly Verifiable
    Manual Excel Models: [0.10, 0.15]
    Kyriba: [0.55, 0.45]
    FIS Integrity: [0.35, 0.65]
    Solvencycore: [0.85, 0.90]
```

## Startup Offer

**Proof**:
- Targeting a 100% elimination of end-of-month manual Excel reconciliations for treasury teams.
- Aiming to process and map high-volume raw transaction feeds with sub-second latency.
- Designed to produce instantly verifiable audit trails that satisfy strict regulatory scrutiny.
**Tiers**:
- Name: Core Ratio · Price: ~$3,000–$6,000/mo · Inclusions: Continuous capital adequacy mapping for up to 100,000 monthly transactions and 3 standard banking data feeds.
- Name: Enterprise Verification · Price: ~$10,000–$25,000/mo · Inclusions: Unlimited transaction volume, multi-entity consolidation, and continuous, instantly verifiable regulatory audit exports.
**Guarantee**: If the continuous capital adequacy ratios deviate from your manual end-of-month baseline models during the first 90 days, we refund your subscription fees in full.
**Business Function**: ProvideService
**Objection Handlers**:
- Regulators require our legacy FIS batch reports: Solvencycore generates an immutable, transaction-level audit log intended to exceed standard batch regulatory requirements.
- Our legacy feeds are too messy for continuous mapping: The ingestion engine normalizes disjointed flat-file and API formats before performing any ratio calculations.
- Connecting raw transaction feeds takes months of IT work: The platform is designed to ingest standard banking export formats out of the box, bypassing deep core banking system overhauls.
**Pricing Architecture**: Tiered

## Startup Brand

**Voice**: Authoritative and precise, prioritizing regulatory exactness over marketing flair.
**Tagline**: Instantly verifiable capital adequacy ratios from raw transaction feeds.
**Icon Concept**: vault
**Palette Intent**: institutional-cool
**Visual Identity**: A strict palette of bank-vault navy and audit-red pairs with monospace numerals and structured grid layouts to project institutional reliability.
**Archetype Reference**: the-sage

## Startup Buyer Chain

**Chain**: Solvencycore → Corporate Treasury & Risk Teams → Regulatory Auditors
**Gtm Motion**: Acquires corporate treasuries and risk teams through direct sales timed around annual regulatory audit deadlines. Expands revenue by adding transaction feeds for newly acquired subsidiaries and cross-selling multi-jurisdiction reporting modules.
**Agent Channel**: Designed to be indexed in the LangChain tool registry and the OpenAI plugin ecosystem as a capital adequacy oracle, allowing autonomous financial analyst agents to pull continuous solvency ratios for automated reporting.
**Primary Channel**: Direct outbound engagement targeting Chief Risk Officers on LinkedIn, combined with intended marketplace listings on major treasury management systems like SAP or Oracle where buyers search for continuous compliance add-ons.

## Startup Customer Journey

```mermaid
flowchart LR; A[Chief Risk Officer] --> B[Treasury Marketplace]; B --> C[Core Ratio Dashboard]; C --> D[Adequacy Reporting Engine]; D --> E[Subsidiary Transaction Feeds]; E --> F[Regulatory Auditor];
```

## Startup Proof Points

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

**Pilot Goals**:
- 90-day shadow testing pilot: Run Solvencycore in parallel with manual end-of-month baseline models to prove zero deviation in continuous capital adequacy ratios.
- 30-day ingestion trial: Connect up to 100,000 monthly transactions across 3 standard banking data feeds to validate sub-second mapping latency and automated data normalization.
**Target Metrics**:
- Target: 100 percent elimination of end-of-month manual Excel reconciliations for treasury teams.
- Aim: Sub-second latency in processing and mapping high-volume raw transaction feeds into capital adequacy ratios.
- Target: Zero deviation between continuous capital adequacy outputs and manual end-of-month baseline models over a 90-day period.
**Target Case Studies**:
- Mid-market payment processor: Target proving the transition from 30-day delayed manual Excel reconciliations to continuous, sub-second capital adequacy mapping across 3 standard banking data feeds.
- Regional commercial bank: Aim to validate the deployment of multi-entity consolidation, demonstrating the production of instantly verifiable regulatory audit exports that satisfy external regulatory scrutiny.
**Testimonial Targets**:
- Chief Financial Officer: Earning the statement that continuous capital adequacy mapping removed the 30-day blind spot in treasury operations without requiring a core banking system overhaul.
- Head of Regulatory Compliance: Securing praise that the immutable, transaction-level audit logs exceed standard legacy FIS batch report requirements during examiner reviews.
- Treasury Operations Manager: Achieving confirmation that the ingestion engine successfully normalizes disjointed flat-file and API formats instantly out of the box.

## Startup Top Risks

**Risks**:
- Severity: existential · Description: Financial regulators reject continuous algorithmic capital adequacy reports in favor of established batch-processed methodologies. · Mitigation Status: unmitigated
- Severity: high · Description: Core banking system providers block or severely rate-limit the real-time transaction API feeds required for continuous calculation. · Mitigation Status: in-progress
- Severity: high · Description: Initial data mapping from fragmented raw transaction feeds requires extensive manual engineering per client and destroys software margins. · Mitigation Status: unmitigated
- Severity: moderate · Description: Incumbent treasury systems like Kyriba deploy continuous monitoring modules that replicate the verifiable audit workflow. · Mitigation Status: unmitigated

## Startup Competitors

- [Manual Excel Models](/Competitors/Manual_Excel_Models) — Status Quo
- [Kyriba](/Competitors/Kyriba) — Incumbent
- [FIS Integrity](/Competitors/FIS_Integrity) — Legacy TMS
- [Oracle Cloud Treasury](/Competitors/Oracle_Cloud_Treasury) — Enterprise ERP
- [Ion Treasury](/Competitors/Ion_Treasury) — Legacy Platform

## Startup Solution Stack

- [Continuous Audit Service](/Services/Continuous_Audit_Service) — Service-as-Software
- [Ratio Verification Agent](/Agents/Ratio_Verification_Agent) — Agent
- [Transaction Mapping Worker](/Agents/Transaction_Mapping_Worker) — Agent
- [Capital Adequacy Engine](/Software/Capital_Adequacy_Engine) — Software
- [Transaction Ingestion API](/Software/Transaction_Ingestion_API) — Software

## Startup Story Brand

**Hero**:
- **Need**: to be the institution's primary risk architect instead of a spreadsheet auditor
- **Want**: to maintain continuous capital adequacy oversight across every banking feed
- **Identity**: the treasury lead at a mid-tier commercial bank
**Plan**:
- Step: Input · Detail: Define your institution's risk parameters and connect your standard flat-file or API banking feeds.
- Step: Confirm · Detail: Review the normalized transaction data as the ingestion engine aligns disjointed formats for calculation.
- Step: Audit · Detail: Generate instantly verifiable exports that satisfy strict regulatory scrutiny and internal risk limits.
**Guide**:
- **Empathy**: Institutional stability and regulatory standing are won in minutes — but legacy batch reports leave you blind for weeks.
**Problem**:
- **Villain**: batch-processed inertia
- **External**: Maintaining capital ratios requires nine days of manual Excel modeling to reconcile FIS Integrity batch reports and flat-file banking exports
- **Internal**: You feel exposed by stale data while the market moves in milliseconds
- **Philosophical**: Every bank deserves sub-second solvency clarity — not manual reconciliation lag.
**Success**: Capital adequacy ratios remain current with every transaction, eliminating end-of-month manual reconciliation and providing an instantly verifiable audit trail.
**One Liner**: Every reporting cycle, treasury leads struggle with manual Excel models. Solvencycore maps raw transaction feeds to capital adequacy ratios so institutions maintain continuous, verifiable regulatory standing.
**Positioning**:
- **So That**: eliminate monthly reconciliation with instantly verifiable regulatory audit logs
- **Unlike**: Manual Excel Models and Kyriba
- **For Whom**: treasury leads at mid-tier commercial banks
- **Category**: Continuous Capital Adequacy Software
**Call To Action**:
- **Direct**: Generate Core Ratio
- **Transitional**: View Audit Export Schema
**Failure Stakes**:
- Regulatory non-compliance penalties
- Stale capital models during volatility
- Loss of institutional market confidence
**Transformation**:
- **To**: the bank's real-time solvency guardian
- **From**: a spreadsheet-bound treasury analyst buried in FIS batch reports
**Controlling Idea**: Capital adequacy should be a continuous stream, not a monthly batch event.

## Startup Token Hero

**Genre**: founding-hypothesis
**Rendered**: Every reporting cycle, treasury leads struggle with manual Excel models. Solvencycore maps raw transaction feeds to capital adequacy ratios so institutions maintain continuous, verifiable regulatory standing.
**Mechanism**: spine-derived-v1
**Template Id**: spine-founding-hypothesis
**Vocab Fingerprint**: 5e09c0ce54a4bdd1

## Startup Token Positioning

**Genre**: moore-positioning
**Rendered**: Continuous Capital Adequacy Software for treasury leads at mid-tier commercial banks. Unlike Manual Excel Models and Kyriba — eliminate monthly reconciliation with instantly verifiable regulatory audit logs.
**Mechanism**: spine-derived-v1
**Template Id**: spine-moore-positioning
**Vocab Fingerprint**: b6aa6fe391ecbe14

## Startup Token Pitch Deck

**Genre**: pitch-deck
**Rendered**: Problem: Maintaining capital ratios requires nine days of manual Excel modeling to reconcile FIS Integrity batch reports and flat-file banking exports
Solution: Every reporting cycle, treasury leads struggle with manual Excel models. Solvencycore maps raw transaction feeds to capital adequacy ratios so institutions maintain continuous, verifiable regulatory standing.
Customer: treasury leads at mid-tier commercial banks
Unlike: Manual Excel Models and Kyriba
**Mechanism**: spine-derived-v1
**Template Id**: spine-pitch-deck
**Vocab Fingerprint**: 08294aa91f21d820

## Startup Token M E D D P I C C

**Pain**: Maintaining capital ratios requires nine days of manual Excel modeling to reconcile FIS Integrity batch reports and flat-file banking exports
**Metrics**: Target: Capital adequacy ratios remain current with every transaction, eliminating end-of-month manual reconciliation and providing an instantly verifiable audit trail.
**Rendered**: Pain: Maintaining capital ratios requires nine days of manual Excel modeling to reconcile FIS Integrity batch reports and flat-file banking exports
Economic buyer: Corporate Treasury & Risk Teams
Metrics: Target: Capital adequacy ratios remain current with every transaction, eliminating end-of-month manual reconciliation and providing an instantly verifiable audit trail.
Competition: Manual Excel Models and Kyriba
**Mechanism**: spine-derived-v1
**Competition**: Manual Excel Models and Kyriba
**Economic Buyer**: Corporate Treasury & Risk Teams
**Vocab Fingerprint**: b1dd11d031714c20

## Startup Token Cold Email

**Genre**: cold-email
**Rendered**: Subject: Continuous Capital Adequacy Software for treasury leads at mid-tier commercial banks

treasury leads at mid-tier commercial banks — Maintaining capital ratios requires nine days of manual Excel modeling to reconcile FIS Integrity batch reports and flat-file banking exports Every reporting cycle, treasury leads struggle with manual Excel models. Solvencycore maps raw transaction feeds to capital adequacy ratios so institutions maintain continuous, verifiable regulatory standing.
**Mechanism**: spine-derived-v1
**Template Id**: spine-cold-email
**Vocab Fingerprint**: 8f46a1de940361ed

## Startup Token Agent Spec

**Genre**: ai-agent-spec
**Rendered**: Continuous Capital Adequacy Software. Every reporting cycle, treasury leads struggle with manual Excel models. Solvencycore maps raw transaction feeds to capital adequacy ratios so institutions maintain continuous, verifiable regulatory standing. Serves treasury leads at mid-tier commercial banks.
**Mechanism**: spine-derived-v1
**Template Id**: spine-ai-agent-spec
**Vocab Fingerprint**: 12c95a11a442162b

## Neighborhood

### Candidate solutions

- [Acquire Experienced CAS Staff](/Problems/Acquire_Experienced_CAS_Staff) — candidate solution for · Problems

### Composed of

- [Continuous Audit Service](/Services/Continuous_Audit_Service) — composes · Services
- [Transaction Mapping Worker](/Agents/Transaction_Mapping_Worker) — composes · Agents
- [Capital Adequacy Engine](/Software/Capital_Adequacy_Engine) — composes · Software
- [Transaction Ingestion API](/Software/Transaction_Ingestion_API) — composes · Software
- [Ratio Verification Agent](/Agents/Ratio_Verification_Agent) — composes · Agents

### Embodies

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

### Competitors

- [Ion Treasury](/Competitors/Ion_Treasury) — competes with · Competitors
- [Kyriba](/Competitors/Kyriba) — competes with · Competitors
- [FIS Integrity](/Competitors/FIS_Integrity) — competes with · Competitors
- [Oracle Cloud Treasury](/Competitors/Oracle_Cloud_Treasury) — competes with · Competitors
- [Manual Excel Models](/Competitors/Manual_Excel_Models) — competes with · Competitors

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### Similar Problems

- [Optimize Capital Reserve Ratios](/Industries/Finance_and_Insurance/Problems/Optimize_Capital_Reserve_Ratios) — similar · Problems

### Similar Metrics

- [Capital Calculation Cycle Time](/Metrics/Capital_Calculation_Cycle_Time) — similar · Metrics