2026 Q1
ComplianceOS announced
The sixth Transaction Science platform. Continuous compliance across 50+ frameworks and 195 jurisdictions. Evidence generated as a byproduct of every transaction across the entire stack.
ComplianceOS
Transaction Science, Inc.
Every transaction is energy becoming work.
We trace the joules. We sign the receipts.
A tax return is energy. A property closing is energy. A trade, a call, a claim, a lease, a course, a settlement — energy becoming work in the world. We measure every joule, sign every step, and link the receipt to the law it satisfies.
claim → joules → work → signed receipt
22
Platforms
1
Unit of work — joules
1
Receipt format — JWP
Explore
Products
Twenty-two platforms.
One architecture.
TradingInfra
TradingOS
Matching engine, pre-trade risk, settlement, and surveillance infrastructure for licensed trading venues, exchanges, and broker-dealers.
Matching engine
Pre-trade risk
FIX 4.4 gateway
Market surveillance
Settlement + PnL
Tamper-evident audit
tradingos.science
ComplianceOS
ComplianceOS
Continuous compliance across 50+ frameworks and 195 jurisdictions. Evidence generated as a byproduct of every transaction — no uploads, no screenshots.
50+ frameworks
Transaction-native evidence
Cross-framework mapping
Continuous monitoring
Global jurisdictions
Trust center
complianceos.science
FinanceOS
Veritas
Tax computation that shows its work. Every number links to the IRC section that authorizes it. Multi-state returns in under a second, online or off.
Pure-function tax engine
IRC citation provenance
50 states + 14 countries
Offline-first WASM
BaaS + Plaid integration
MeF e-filing
financeos.science
Juris
LegalOS
The entire legal corpus — statutes, regulations, rulings, treaties — structured as a programmable system. Every jurisdiction, every answer traced to its source.
Global statute graph
Citation provenance
Multi-jurisdiction resolver
Contract lifecycle
Compliance engine
Legal library
legalos.science
Knowledge
InformationOS
Library science for the AI era. Every fact sourced, every claim cited, every action traceable to the document that authorized it. The foundation the AI industry needed.
Semantic search
Knowledge graph
Provenance chains
Dublin Core catalog
Archive & preservation
Compute-speed retrieval
informationos.science
Resolution
ExpertOS
Measurement as resolution. The distance function as authority. Reproducible expert resolution at energy cost — no paymaster, no adversarial selection, no credentialing bottleneck.
Distance functions
Reproducible resolution
Provenance chains
Energy receipts
Bias elimination
Deterministic cascade
expertos.science
Identity
TrustOS
The identity substrate. WebAuthn, OAuth, SAML, SCIM, DID, KYC, and post-quantum cryptography as one programmable layer. Every actor verified. Every action auditable. Every key quantum-safe.
WebAuthn / FIDO2
OAuth / SAML / SCIM
Post-quantum crypto
Decentralized identity
Policy engine
KYC & audit
trust-os.science
Defense
CyberSecurityOS
Detection, response, and threat intelligence as infrastructure. Every anomaly a distance measurement. Every response a reproducible cascade. Every alert with provenance.
Anomaly detection
Threat intelligence
SOC workflows
SOAR playbooks
Attack surface
Email & comms
cybersecurityos.science
CloudIntel
Insights
Energy-aware cloud intelligence. Every API call tracks consumption, calculates emissions, and proves regulatory compliance in real time.
Energy attribution
CSRD carbon reporting
Sovereignty checks
MiCA disclosure
Cost optimization
OpenTelemetry native
insights.transaction.science
Cascade
TX Science AI
AI compute as a memoizing cascade. Free, paid, and three native AIs through one API. Every inference signed with joules and location. Repeat work decays in cost as the cascade learns.
Memoizing cascade
Joule + location receipts
Multi-provider bundling
Imagine AI (world model)
Semantic AI (query)
Math Ground AI (edge)
ais.transaction.science
InsurTech
InsuranceOS
Insurance as a computable property of the transaction graph. Underwriting, claims, actuarial science, and reinsurance — across every industry, every line of business.
Underwriting engine
Claims intelligence
Actuarial computation
Risk modeling
Policy lifecycle
Reinsurance & capital
insuranceos.science
RealEstateOS
TerraOS
Search a property, finance it, close it, stay compliant, tokenize it. One platform handles the whole deal.
Conversational search
Geospatial intelligence
Mortgage origination
FinCEN AML/KYC
Property tokenization
Climate risk scoring
useterraos.ai
DMO
Destination
The entire destination marketing organization as a platform. Inventory, price arbitrage, visitor routing, automated tax collection, and economic impact measurement.
Inventory aggregation
Price arbitrage
Visitor routing
Automated TOT collection
Sustainability reporting
Economic impact dashboard
destinationos.science
Learning
EducationOS
The global university and school system as a platform. Every pedagogical framework, every learning style, every curriculum standard — educational systems on demand.
Curriculum builder
Learner profiles
Assessment engine
Verifiable credentials
12+ frameworks
Adaptive learning
educationos.science
Clinical
MedicineOS
The global medical curriculum, encoded. Every specialty, every condition, every guideline — structured and queryable. Infrastructure for the AI doctor economy.
25+ specialties
Clinical knowledge
Pharmacology
Imaging protocols
GRADE evidence
Clinical guidelines
medicineos.science
Consumer
Settlement
Stocks, crypto, and cash in one account. Every trade settles on infrastructure built for institutional precision. Every dollar accounted for.
Commission-free trading
Crypto + staking
FDIC-insured cash
Visa debit + credit
Instant transfers
Six backend engines
settlement.science
CommunicationOS
CommunicationOS
Multi-channel messaging, realtime voice and video, cloud PBX with SIP trunking, and receipt-backed broadcast over MoQT (Media over QUIC). Every call, message, and media object signed as a JWP receipt.
SMS / email / push / chat
SIP trunking + DIDs + E911
Cloud PBX (IVR / queues / hunt)
WebRTC ↔ SIP ↔ MoQT bridges
MoQT broadcast with signed receipts
MLS post-quantum E2E + JWP CDRs
communicationos.science
EngineeringOS
EngineeringOS
AI-augmented author-time substrate. Agentic IDE primitives, IaC authoring, MCP + LSP, code review, test generation. Receipt-stamped suggestions.
MCP server + client
LSP integration
IaC + policy + drift
Agentic codegen
AI code review
Test gen + provenance
engineeringos.science
DeliveryOS
DeliveryOS
AI-native software delivery. CI/CD pipelines, release orchestration, AI canary + rollback, feature flags, experimentation, FinOps, DevSecOps, database DevOps, DORA.
CI/CD DAG + triggers
Release orchestration
AI canary + rollback
Flags + experiments
FinOps + DevSecOps
DORA / SPACE metrics
deliveryos.science
AgentOS
AgentOS
Agent runtime substrate. Plan / Step / Action / Observation loop. MCP + A2A protocol. Memory, multi-agent orchestration, guardrails, traces. Adapters for Claude Agent SDK, OpenAI Agents, LangGraph, Strands.
Agent loop + tools
A2A + Agent Cards
Memory + multi-agent
Jailbreak guardrails
OTel-shape traces
Trajectory eval harness
agentos.science
AdvisorOS
AdvisorOS
The TSD / VAR / MSP, replaced. Vendor catalog, AI sizing, quote + eSign, TEM, implementation playbooks, QBR — receipt-stamped APIs.
Vendor / SKU graph
AI sizing + recommend
Quote + DealReg + eSign
TEM anomaly detection
Migration playbooks
QBR + renewal risk
advisoros.science
Live
TX Science TV
24/7 live broadcast covering markets, regulation, real estate, insurance, and compliance. Every vertical in the Transaction Science family, one continuous stream.
24/7 live stream
Market analysis
Regulatory briefings
Cross-vertical coverage
Real-time data overlays
On-demand archives
tv.transaction.science
Technology
Built different. On purpose.
These choices were made before we wrote the first line of product code. You can't retrofit them. We didn't have to.
01
Rust Everywhere
One language runs the tax engine, the frontend, and the geospatial stack. Memory-safe. No garbage collector. Fast.
02
Formal Verification
We prove the math is right. Kani symbolic execution and 225K Monte Carlo scenarios. Every computed value traces back to its legal citation.
03
Offline-First WASM
The full engine compiles to WebAssembly and runs in your browser. Works without internet. Syncs when you're back online.
04
Multi-Model Database
JouleDB handles SQL, graph, vector, time-series, and OLAP in one engine. One database instead of five.
05
Financial Precision
Money stored as i64 cents. Rates stored as basis points. No floating-point anywhere near a dollar amount. Rounding errors don't exist here.
06
AI Suggests, Math Decides
LLMs classify documents and surface recommendations. The tax engine and compliance layer make the final call. No black-box financial decisions.
architecture.rs
// The Transaction Science stack
pub struct Platform {
language: "Rust — memory safe, zero-cost, single binary",
verification: "Kani + Monte Carlo — provably correct",
compute: "WASM — runs anywhere, offline-first",
database: "JouleDB — SQL + graph + vector + OLAP",
precision: "Fixed-point — i64 cents, basis points",
ai: "Suggest → Verify — math has final say",
compliance: "50+ frameworks, 195 jurisdictions, zero uploads",
}Standards stack
Twenty-two platforms at SOTA. One signed receipt format.
Each platform speaks the canonical published standards of its industry. Underneath, every operational event is a JWP ReceiptPayload: the same identity, the same audit format, the same billing unit, the same wire transport across every vertical.
TradingOS
FIX 4.4 / 5.0 · price-time priority book · Reg 15c3-5 controls
inv-fix inv-orderbook inv-pretrade-risk
ComplianceOS
OSCAL 1.1.2 · Cedar policy-as-code · receipt-as-evidence
inv-oscal inv-cedar inv-evidence
Veritas
Tax computation with linked IRC sections — multi-state returns
LegalOS
CLM clause library · redline diff · approval workflow
inv-clm
InformationOS
GraphRAG · citation-backed retrieval · provenance receipts
inv-graphrag
ExpertOS
Annotation tasks · expert routing · LLM-as-judge eval harness
inv-expert
TrustOS
OIDC IdP · OpenID4VCI/4VP · DIF Presentation Exchange · FROST (RFC 9591)
inv-oidc-provider inv-oid4vc inv-frost
CyberSecurityOS
MITRE ATT&CK · engagement-scoped chain executor
inv-attack
Insights
Energy-aware cloud intelligence — consumption + emissions + compliance
TX Science AI
Memoizing cascade · joule + location receipts · Imagine / Semantic / Math Ground AIs
verity-cascade verity-llm joulesperbit
InsuranceOS
ACORD-shaped policy / claim · parametric oracle on receipts
inv-acord
TerraOS
Parcel / Property / Unit · Lease + Booking · submetered utility billing
inv-property
DestinationScience
DMO inventory · TOT remittance · economic-impact ledger
inv-dmo
EducationOS
LTI 1.3 · xAPI LRS · OneRoster 1.2 · OpenBadges 3.0
inv-edu
MedicineOS
HL7 FHIR R5 · USCDI v4 · SMART App Launch v2 · CDS Hooks
inv-fhir
SettlementScience
ISO 20022 (pacs / pain / camt) · RTGS · atomic DvP
inv-iso20022
CommunicationOS
SIP · cloud-PBX · WebRTC↔SIP · MoQT (Media over QUIC) · MLS (RFC 9420) · JWP transport · receipt-backed broadcast
inv-sip inv-moq joule-pbx joule-comm-desktop joule-comm-mls joule-moq-relay joule-moq-publisher joule-moq-subscriber joule-moq-bridge
TX Science TV
Multi-pillar receipt feed · subscription filters · embed protocol
inv-ticker
AdvisorOS
Vendor catalog · AI sizing · quote+eSign · TEM · implementation playbooks · QBR
inv-vendor-catalog inv-stack-advisor inv-quote inv-tem inv-onboarding inv-account-mgmt
EngineeringOS
MCP · LSP · OpenTofu/HCL2 · policy-as-code · agentic IDE provider trait
inv-mcp inv-lsp inv-iac inv-iac-policy inv-drift inv-codegen inv-codereview inv-testgen
DeliveryOS
CI/CD DAG · release orchestration · AI canary + rollback · flags · experiments · FinOps · DevSecOps · DB DevOps · DORA
inv-pipeline inv-release inv-canary inv-feature-flags inv-experiment inv-finops inv-secscan inv-db-devops inv-dora
AgentOS
MCP + A2A · agent loop · tool sandbox · memory · multi-agent · guardrails · receipt-stamped traces
inv-agent inv-tools inv-memory inv-multiagent inv-a2a inv-guardrails inv-trace inv-eval-agent inv-agent-adapters
The unifying invariant
Every authentication, settlement, call, claim, signal, fill, lease, hook, custody leg — emits a signed JWP receipt. ComplianceOS consumes the receipt log as evidence. TradingOS as CDR + CAT. InsuranceOS as parametric trigger. SettlementScience as chain-of-custody. The wedge: receipts ARE the audit trail — rewriting one means forging a signature.
Thesis
The science of transactions is the science of energy.
A transaction is a claim about state — a tax return claims $47,000 in deductions, a deed transfers 2.3 acres, an MRI claims a diagnosis, a fill claims a price. Settling that claim always costs energy: compute cycles, network bytes, human attention, kilowatt-hours of physical work in the world. The wire transfer takes joules. The audit takes joules. The proof takes joules. We measure every one and sign the receipt.
The Energy Identity
claim → joules → work → signed receipt
Every financial transaction is a deterministic function. The inputs are known. The rules are published. The output is computable. There is a correct answer, and it's already written in the law. The gap between what software claims and what the law requires is the verification gap. Closing that gap costs energy. We bill in the unit of physics — joules — and the receipt proves the work happened.
P
Precision
Exact arithmetic. No floating point.
P
Provenance
Every number cites its authority.
E
Energy
Joules per transaction. Measured.
V
Verifiability
Check our work. That's the point.
S
Sovereignty
Your data. Your machine. Offline.
R Regulatory Tailwinds
2024–2027
CSRD energy + emissions disclosure
Every EU operator must report Scope 1–3 energy. Insights bills in joules already, so the receipt is the report.
MAR 2026
FinCEN RRE Rule
AML/KYC reporting now mandatory for all-cash real estate transfers. TerraOS already handles it.
2025–2026
TCJA Sunset Provisions
Major tax code changes hitting every US taxpayer. Veritas models both scenarios with linked IRC math.
MID 2026
EU MiCA Implementation
Crypto-asset regulation across the EU. Receipt-format compliance is the unit of evidence.
2026+
EU AI Act + US AI agent rules
Every agent action has to be traceable. AgentOS stamps a JWP receipt on every tool call. Done.
D What We Deliver
CLAIM → JOULES → RECEIPT
Energy-metered computation
Insights measures the joule cost of every computation. Bill in joules. Report in joules. The unit is the same end to end.
CLAIM → CITATION → RECEIPT
Tax computation with proof
Every value in a Veritas return links to the IRC section that authorizes it. The claim is the return. The proof is the citation.
CLAIM → STATE → RECEIPT
Real estate transactions end to end
TerraOS tracks the full lifecycle: search, finance, close, comply, file. One system holds the state. One system signs it.
CLAIM → POLICY → RECEIPT
Compliance as a property, not a process
ComplianceOS sits across every platform. Every transaction already produces tamper-evident, citation-traced evidence. Compliance isn't collected — it's generated.
THE PRINCIPLE
If the law is deterministic, the software must be
A tax return is a pure function. A closing is a state machine. A compliance check is a predicate. Every step costs joules. We treat it that way.
Markets we address
$25B
Tax software
Veritas
$47B
Global PropTech
TerraOS · 16% CAGR
$37.6B
GRC by 2030
ComplianceOS · 19% CAGR
$4T
Tokenized RE 2035
TerraOS + SettlementScience
$135T
Global capital markets
TradingOS + SettlementScience
$1.5T
Global insurance premium
InsuranceOS
$11T
Global healthcare spend
MedicineOS · FHIR R5
$8T
Education + corp learning
EducationOS · LTI 1.3
$1.7T
Global cloud spend 2030
Insights · joules → invoices
$300B
UCaaS + telephony
CommunicationOS · MoQT + SIP
$200B
Cybersecurity
CyberSecurityOS · ATT&CK
$50T+
Total addressable
All 22 platforms — one architecture
2026 Q1
Transaction Science launches Veritas
A tax engine that shows its work. Every number traces to the IRC section behind it. Multi-state returns in under a second. Works offline.
Veritas
2026 Q1
Insights goes live
Energy-aware cloud intelligence for every transaction we process. Tracks consumption, calculates emissions, and generates CSRD and MiCA compliance reports.
Insights
2026 Q1
TerraOS enters private beta
One platform for property search, transactions, mortgage origination, compliance, and tokenization. Already handles the FinCEN RRE Rule.
TerraOS
2026 Q1
Transaction Science, Inc. founded
We started with tax computation and real estate. Two big markets, both running on old software. We're writing new software.
Company