Material decisions are moving from people to machines, and AI risk is already being excluded rather than priced. Arkaya makes governability observable, so what machines now decide can be priced: by insurers first, then by all capital.
Arkaya occupies the translation layer only. It produces no evidence and it prices nothing.
Organisations that can evidence their governance create options unavailable to those that cannot: at insurance renewal, at refinancing, and at exit.
Standards describe what should exist. Underwriting prices what demonstrably exists on the date risk attaches. The evidential gap between those two propositions is the opportunity.
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.
That visibility is what insurability and financeability rest on: a business's capacity to carry its liabilities and obligations, priced on what the record shows.
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. A record a counterparty could check 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. Insurance performed against the loss it covered: roughly £100m of proceeds settled £101.6m of booked incident costs almost exactly, and did not reach the equity value the market removed. Arkaya's composed estimate puts the total equity-value impact near £2.4bn. 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 productObservable governance becomes measurable. Measurable governance becomes priceable. Priceable governance becomes resilience capital.
Resilience Capital is built.
Not asserted.