Five engines. One verified module record.
Keystone is a single registry of verified factory-built modules. The same record powers underwriting, government disbursement, insurance pricing, and an industry-grade index. The data only gets captured once; the margin compounds across five products.
Module Registry
Module passport
Carfax-grade provenance + QA + resilience record per module. KeyScore 0–99. Auto-hashed at insert. The source of truth for the other four engines.
Capital Rail
Underwriting + pool rating API
Pool eligible modules, get weighted KeyScore + AAA → NR rating + senior/mezz/equity tranches (70/20/10). One API call.
Disbursement Rail
Verified-release government API
HUD / HFA / state programs disburse only on verified milestones. Remaining-budget enforced. Rail fee in basis points. Audit immutable.
Insurance Rail
Resilience-priced MGA
Premium computed from seismic + KeyScore + net-zero. Strong modules quote sub-90bps. MGA book stats live.
Modular Index
Industry-grade modular index
Avg $/sqft, avg KeyScore, IG %, net-zero %, resilience mix — live from the registry. Std/Pro/Ent licensing tiers.
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.