The same module record.
Five revenue engines.
Keystone turns every factory-built module into a verified, signed, scored record — and uses that single record to power underwriting, disbursement, insurance pricing, and an industry-grade index. One registry. Five engines. Margins compound.
Five engines. One module record.
The factory builds a module. Keystone ingests it once. Everything downstream — lender pool rating, government disbursement, insurance pricing, index licensing — runs off the same verified record.
Module Registry
Module passport. Carfax-grade provenance for every factory-built module.
Every module gets a verified provenance + QA + resilience record. KeyScore (0–99) derived from welding, inspection, net-zero, seismic, and carbon attributes. Auto-hashed at insert. The single source of truth for everyone else in the stack.
Capital Rail
Underwriting + financing API. AAA → NR pool rating in one call.
Pool eligible modules (KeyScore ≥65), compute weighted KeyScore, get a senior/mezz/equity tranche breakdown (70/20/10) ready for securitization. Built for GSEs, debt funds, and LIHTC syndicators.
Disbursement Rail
Verified-release government disbursement. No release without proof.
Programs (HUD/HFA/state) fund milestones. Disbursement API validates: "certified module" requires inspection; "completed/installed" requires state. Remaining-budget enforced. Rail fee in basis points. Audit trail immutable.
Insurance Rail
Resilience-priced MGA. Lower KeyScore risk = cheaper premium.
Rate basis points computed from seismic class, KeyScore, and net-zero status. Strong modules quote at 89bps. Weak modules quote at 140bps. MGA book stats: policies, premium float, blended rate, expected loss ratio, underwriting margin.
Modular Index
Industry-grade modular index. Licensable like CoStar or Verisk.
Avg $/sqft, avg KeyScore, investment-grade %, net-zero %, resilience mix — computed live from the registry. Std / Pro / Enterprise tiers at $12k / $36k / $120k. Recurring licensing margin.
One verified record, sold five ways.
The industrialized-construction industry produces millions of modules. Every module gets inspected, welded, hauled, installed, and lived in. That telemetry already exists — it just gets thrown away. Keystone keeps it, scores it, and sells it as the underwriting record, the disbursement proof, the insurance collateral, and the industry index — all at once.
Ingest once
Factory MES + inspection events flow into Keystone via API or CSV. Module gets auto-coded, auto-hashed, auto-scored.
Verify cryptographically
Every state change emits an immutable lifecycle event. Audit trail by design. RLS-enforced workspace boundaries.
Sell N times
Registry toll · underwriting fees · disbursement basis points · insurance commission · index licensing. The same data powers all five.
The five buyers who finally have a shared truth.
Manufacturers
Factory MES + first customer of the registry
Lenders + GSEs
Underwriting API + pool rating in one call
Insurers + MGAs
Resilience-priced premium engine
Government + HFAs
Verified-release disbursement, immutable audit
Capital partners
Modular Index data, securitization-ready collateral
Open the registry. Register a module.
Five minutes from signup to your first KeyScore. The same record then flows through underwriting, disbursement, insurance, and the index — without re-entering data anywhere.