Governability infrastructure for the autonomous economy
Material decisions are moving from people to machines, and the accountability they rest on is moving from people to architecture. Arkaya makes governability observable, so what machines now decide can be priced: by insurers first, then by all capital.
Arkaya turns AI liability from a decline into a priced class, underwritten continuously against governability, the live evidence that control holds, not a periodic questionnaire.
It runs on GET, the open governance-evidence schema, so one signal prices the cover and the capital behind it.
GET is the open schema. Continuous covenant underwriting is the product that runs on it. The schema enables the product; the product is not a second, competing offer.
The claim is held as a hypothesis with its failure condition stated: an evidenced counterparty obtains measurably better terms than an otherwise identical unevidenced one.
If the evidence does not move the terms, the thesis fails on its own stated ground. The experiment is a carrier pilot, and the invitation is open.
Run the experimentGovernance is often priced only after the event, because the decision trail cannot be reconstructed before it. Arkaya makes it reconstructable.
Arkaya is building the evidence standard capital markets need to price it at the speed of agentic AI.
Governance becomes evidence a counterparty can underwrite against, not an assertion they price as risk.
The GRC and AI-governance cohort automates framework mapping, continuous monitoring and audit-ready reporting, then publishes the result as your own trust record. That evidence is scoped to your audit, expressed in each vendor's proprietary controls and scores, and held inside the platform that produced it.
None of them supplies the schema that makes governance evidence comparable, portable and adjudicable across parties. Comparable by conformance to one shared schema, not a proprietary score. Portable across engines, insurers and capital events without re-basing. Adjudicable when parties dispute what it shows, resolved against the schema, not against opinion. Arkaya stewards the schema; it is not the adjudicator.
Automated decisions have already crystallised nine and ten figure losses, reconstructed only after the event. The trail those reconstructions assembled too late is the trail Arkaya produces continuously.
Robodebt averaged annual income across fortnightly periods and raised welfare debts later ruled unlawful. A$1.8bn was settled in 2020, a further A$475m (about US$309m) in 2025. A royal commission found the responsible department held legal advice warning of unlawfulness in 2018 and proceeded. The decision trail surfaced years after the loss. In the schema: the unlawful-calculation control carries an open exception from the moment that advice lands, readable by a counterparty years before settlement.
Royal Commission into the Robodebt Scheme, final report 2023; Reuters, 2025.
Algorithmic home-buying priced off the Zestimate model, which overpaid as the 2021 market turned. A $304m write-down in Q3 2021, a further $240m to $265m guided for Q4, the unit closed and about 2,000 staff cut, a quarter of the workforce. The model outputs existed internally. Continuous, externally verifiable evidence of the risk did not. In the schema: the model-override governance field shows the Zestimate's widening error as a populated exception in Q3, not after the write-down.
Zillow Group SEC Form 8-K, third quarter 2021.
The April 2025 cyber incident, attributed to Scattered Spider operating through the TCS-run helpdesk, sat inside a multi-year outsourcing arrangement renewed on cost. Roughly £100m of insurance responded against approximately £2.4bn of enterprise value destroyed. In the schema: the third-party access-control obligation carries an open exception at the helpdesk boundary, readable by an underwriter at renewal, not reconstructed at claim.
Cyber Monitoring Centre, 2025 (Category 2, with Co-op, £270m–£440m); M&S market disclosures, 2025.
Today’s forensic evidence is retrospective. Arkaya makes forensic evidence prospective.
Arkaya stewards the Governance Evidence Taxonomy, the open schema counterparties read to price governance risk. Arkaya GET Solutions is the commercial work that runs on it. Pick your path.
The Governance Evidence Taxonomy. The schema that translates risk and makes it machine-readable. Open. Multi-engine. Eight observable fields. Schema decisions sit on a separate governance track from commercial decisions.
Read the schema Pillar twoContinuous covenant underwriting, with AI liability as the first class. First-party evidence read into rating, retention, limit and capital, for insurers, lenders and acquirers at the pricing layer.
See the productArkaya's thesis is witnessed, not constructed. David held the FCA Chief Executive controlled function (SMF1) and has met the five capital moments from every side of the table: underwriting, broking on the sell-side, and corporate on the buy-side.
After 9/11 he underwrote an AIG property book co-underwritten 50:50 with Berkshire Hathaway's National Indemnity, from inside two diametrically opposed governance models, both AAA-rated at the time. One later required a government rescue. The other did not.
David co-founded Arkaya with Simon Hudson, who is based in the United States.
Observable governance becomes measurable. Measurable governance becomes priceable. Priceable governance becomes resilience capital.
Resilience Capital is built.
Not asserted.