Pillar two · Commercial services

Arkaya GET Solutions

Commercial services that run on the schema. From the pricing layer to the capital event.

Corporates · Layer 3 Insurance sector · Layer 2 Finance sector · Layer 2
§ 01 · Proposition

Capital is priced. Governance is evidenced. The two meet at the schema.

Every capital event resolves into a single question. Can the organisation prove its governance works, or is it asserting it? Most organisations are asserting. Counterparties pricing risk against assertion price it badly, or refuse to price it at all. The governance premium is what you earn by making it observable.

Arkaya GET Solutions delivers the commercial services that turn schema-conformant evidence into resilience capital. Product design at the pricing layer for the counterparties that read the schema. Corporate-side services at the capital events where the price is set.

Earned by the organisations that can evidence their governance and priced by the counterparties that can read it.

§ 02 · Audiences

Three tracks, one schema.

Services are organised by where the capital decision is made. Pricing layer for counterparties. Resilience capital layer for the organisations they price.

Track 01
Corporates
Layer 3 · Resilience capital

Service design for boards, audit committees and risk functions at the five capital moments. Governance evidence built to be read by insurers at renewal, lenders at refinancing, acquirers at exit and counsel at claim.

Engagements include Dynamic Risk Maturity Assessment (DRMA) and event-readiness work calibrated to the obligations a specific capital moment will test. Detailed scope held under NDA.

Track 02
Insurance sector
Layer 2 · Pricing

Product design services to underwriters, syndicates, brokers and reinsurers. D&O, cyber and W&I pricing read against schema-conformant evidence. Affirmative AI cover and silent-exposure closure in scope.

Detailed service inventory and standing intelligence products held under NDA.

Track 03
Finance sector
Layer 2 · Pricing

Product design services to acquirers, refinancing lenders, PE sponsors and diligence advisers. Governance evidence read at the moment of signing, covenant surveillance through the holding period, and pre-exit readiness.

Framework-level work on crystallisation cost across pricing and capital. Detailed methodology held under NDA.

§ 03 · The capital-event bridge

Five Moments. The schema is read at each.

The capital-event bridge maps governance maturity to the five moments at which it is priced. Each moment has its own counterparty, its own decision and its own risk of misrepresentation. The schema is the common reading.

Renewal
D&O, cyber and broader management liability cover. Carrier-side reading of governance evidence at the renewal cycle. Avoidance, exclusion bite and affirmative cover in scope.
Claim
Coverage determination at the moment of crystallisation. Defence counsel and claims handlers read the schema for representations made at inception against behaviour evidenced through the period. Rescission risk in scope.
Exit
Acquirer due diligence and W&I cover scope. Governance evidence at signing read against historic obligations. Enterprise value at sale and indemnity carve-outs in scope.
Refinancing
Lender pricing at execution. Governance evidence read against debt covenants and the events of default the facility codifies. All-in finance cost in scope.
Covenant surveillance
Continuous reading through the holding period. Going-concern stress and covenant trigger calibration tested against actual control state. Standstill and acceleration risk in scope.
The bridge
Schema-conformant evidence Counterparty pricing Resilience capital

The same eight-field schema is read at every moment. The reading differs by counterparty. The price differs by what the reading reveals. Resilience capital follows.

§ 04 · Engagement

How services are delivered.

Engagements proceed through a structured pre-NDA sequence: a brief setting out the architectural fit, a paper specifying the Layer 1 interface in operational detail, and a post-NDA package covering the specific capital event in scope. Evidence comes from exercise, not existence.

The discipline that holds the architecture together is that schema decisions are not commercial decisions. The services rest on the integrity of the schema, not the other way round. Detailed service inventory, methodology and commercial terms held under the NDA.

To commence, contact djm@arkayarisk.com.

§ 05 · Outcomes

Four outcomes, each one evidenced.

These follow from the schema being read, not asserted. Each is priced on the record, before the event forces the test, not reconstructed after it.

Governance Velocity
Evidenced to keep pace with agentic-AI speed.
Pricing accuracy
Risk is more accurately priced at each of the Five Pricing Moments.
Timing-risk window
Timing-risk events are mapped so that the exposure window is compressed.
Dispute surface
A contemporaneous, admissible record, read against where insurance, event of default and SPA trigger language lacks specificity, compresses the unfunded contingent liability that can arise and tests whether the risk-transfer instrument and its triggers perform as anticipated, before the event forces the test.
What this is not

The boundaries of the schema.

The discipline that calms a sophisticated reader is the explicit statement of what the architecture does not claim. Each line below is enforced structurally, not asserted.

Not a regulatory replacement. The schema is referenced, not adopted. Supervisors are not displaced.
Not an audit opinion. Engines emit evidence against obligation. They do not certify accounts.
Not a continuous-compliance certification. The record shows behaviour against obligation, not a pass mark.
Not a governance score. No rating, benchmark or score is issued from Layer 1. Counterparties price.
Does not replace board accountability. The board authors the Protocol and owns the decision.
Does not redefine accounting recognition thresholds. IAS 37 and ASC 450 stand. The schema surfaces the obligation earlier.
§ 06 · The operating system

The operating system is built.
Demonstrable to qualified counterparties under NDA.

THE CUSTOS LOOP PROTOCOL authored by the board SIGNAL from live controls HITL DECISION the accountable judgment EVIDENCE captured against obligation Custos Improvement is what it produces.

Protocol: board-authored executable. Signal: from live controls. HITL Decision: the act, named, not the role. Evidence: of the HITL decision against obligation. Improvement is what the loop produces.

To request a demonstration, contact djm@arkayarisk.com.
Access is gated and subject to qualification.

Watch the trajectory → — a public, illustrative teaser of Custos Infinity. Synthetic data, no score. The operating-system demonstrator itself stays gated; request access above.

Resilience Capital is built.
Not asserted.

← Read the schema