Black-box actuarial signal

DRiCE operates as a black-box API only. Partners never license the model itself and cannot audit source coefficients. Telemetry and control signals go in; an Actuarial Signal Report comes out.

IP moat (three layers)

1. Metric definition — proprietary formulas for 7–10 high-signal control metrics.
2. Correlation model — frequency (logistic) × severity (gamma) → expected loss.
3. Loss-impact index — financial-grade score (300–850), a FICO-style signal for cyber risk.

Production API shape

GET /api/v1/score/{id}
{
  "actuarial_risk_score": 785,
  "expected_loss_index": "0.75x",
  "confidence_level": "High - Telemetry Verified",
  "peer_benchmark_percentile": "80th",
  "key_strengths": ["EDR Coverage", "MFA Adoption"],
  "key_weaknesses": ["Patch Cadence"],
  "loss_event_frequency_index": 0.62,
  "loss_event_severity_index": 0.80,
  "incentive_recommendation": true,
  "report_id": "rpt_…",
  "model_version": "v0-stub",
  "schema_version": "v1"
}

Staff access to the live scorer requires Google Workspace SSO (@wentzel.ai).