Velaru Product Scorecard

August 11, 2026 · Post ONTOLOGY-2/3 · Scale 1–5 · Internal readiness reference

Thesis: External validation infrastructure for AI-exposed liability decisions — signed receipts, public null-trust verify, carrier bind-gate, counsel exports. We externalize bind decisions so you don't trust our logs.

Product architecture

49 / 50

Proof & verify

30 / 30

A+

Carrier wedge

30 / 30

Developer DX

35 / 35

Institutional GTM

33 / 35

C+

Enterprise ops

12 / 20

Composite (scored dimensions): 189 / 200 · 94% · Grade A− · Architecture ahead of revenue · First signature unlocks market row

Formal ontology & standards (ONTOLOGY-1/2/3)

Dimension	Score	Evidence
ONTOLOGY-1 composed atoms (7 live)	5	Existential → Terminal · binding hash + verify.json each
ONTOLOGY-2 market politics (6 atoms, 13 rails)	5	Fork Settlement · Market Politics · Sovereignty · Bodyware · Ambient · Purity
ONTOLOGY-3 civilization OS (3 priority atoms)	5	Jurisdiction · War Refusal · Climate Refusal · index v3 schema
Rail → atom → route → SDK pipeline	5	Repeatable expansion model · honest ceiling enforced in disclaimers
POSS-2 Class B completeness	5	/standards/poss-2 · SILENCE as first-class outcome
DRP-1 deontic (O/F/P)	5	Verify CHECK 8 · FORBIDDEN on violence/climate rails
TCB + Restraint Atom	5	Commit-reveal · Handler-bound CCR · NotaryOS parity+
Layer Stack L0–L5	5	/standards/layer-stack · diligence-ready map
Companion drafts (v2 + v3)	5	/standards/ontology-index/companion-draft.txt
Research backlog discipline	4	~90 civilization topics named · 3 shipped · batch risk if over-promised

Proof infrastructure & independence

Dimension	Score	Evidence
Ed25519 signed receipts + hash chain	5	Every log entry · tamper-evident
Public null-trust /verify (12 checks)	5	Browser-side crypto · no login required
Offline verify kit	5	Local Ed25519 · standards bundle export
SCITT RFC 9943 + AIR export	5	Class B profile narrative · GET /export/scitt/air/{id}
C2PA v2.3 provenance manifests	5	Regulatory context assertions on records
Issuer-pays independence scoreboard	5	SSRN 7221561 · Velaru 95/100 vs operator logs 12

Carrier / insurance wedge (Stavan SKU)

Dimension	Score	Evidence
Bind-gate ALLOW/BLOCK	5	GET /carrier/v1/insured/{slug}/compliance?action=bind
NAIC Exhibit D export	5	GET /carrier/v1/naic/exhibit-d
PAS bind-check spec	5	POST /pas/v1/bind-check · Guidewire/Duck Creek path
Pre-dispute 90-day bundle	5	/bundle/pre-dispute · fork settlement atom for competing narratives
Counsel / FRE 707 export packs	5	Pre-incident evidence · not post-mortem logs
Carrier book + webhooks	5	RECEIPT · MANDATE_BIND_GATE · HMAC signatures

Developer experience (Stripe DX benchmark)

Dimension	Score	Evidence
Time to first receipt	5	`seal()` · 3 lines · SDK 0.2.8
Composed atom helpers	5	prove_restraint · prove_fork_settlement · prove_jurisdiction · 16 atoms
OpenAPI 3.1 + interactive /docs	5	/docs · llms.txt discoverability
Structured errors + request_id	5	error.type / code / request_id parity
Idempotency-Key on mutating POSTs	5	TCB + compliance routes
Sandbox / test mode keys	5	velaru_sandbox_* · isolated log
Integration guide + demo preset	5	/integrate · /demo?start=1 hiring preset

Institutional narrative & GTM

Dimension	Score	Evidence
SSRN issuer-pays thesis	5	7221561 · Art. 12 independence framing
Public diligence profile	5	/diligence/nisaba-llc · asymmetry score
Procurement pack	5	/procurement · security · DPA · vs NotaryOS · vs Stripe
Sales SKU clarity	5	$12K pilot → $150K/yr production · PAS $25–50K
Competitive differentiation vs NotaryOS	5	155 vs 84 on internal scorecard · governed process not just actions
Provisional patent + NIST whitepaper	4	#64/124,027 · CAISI submitted · not yet granted/cited at scale
Buyer translation (one-liner discipline)	4	Strong bind-gate line · ontology depth can overwhelm call 1

Enterprise platform maturity

Dimension	Score	Evidence
SOC 2 Type II at scale	3	Security overview live · not Stripe-grade yet
Global edge / five-nines SLA	3	Render-hosted · /status.json live
Cold start / latency	3	Known Render constraint on demo calls
Multi-region / HA log store	3	Production path defined · not proven at carrier scale

Market proof (intentionally halted)

Dimension	Score	Notes
Paying carrier / pilot signature	—	AmTrust / Stavan in motion · clock not started
Production ARR	—	$150K/yr SKU priced · zero booked
Reference logos on site	—	Honest halt until first signature
PyPI download velocity	—	SDK 0.2.8 shipped · adoption TBD

Strengths · watch items · next unlock

Strengths (ship these in every call)
Only product combining Class B completeness + bind-gate + 16 composed atom APIs + public verify
Fork Settlement + Market Politics = pre-dispute language carriers actually use
Honest ceiling — certifies process under frozen law, not consciousness or market truth
Watch items
Architecture breadth (36 rails) vs single-signature focus — lead with bind-gate, not ontology index
Enterprise ops gap vs Stripe/NotaryOS production maturity
Next score unlock
One $12K pilot signature → market proof row goes from — to 5 · composite becomes investor-grade

Live proof URLs: /verify · /standards/ontology-index · /carrier · /procurement/scorecards · SDK 0.2.8