Two Filings · One Closed Loop
From event capture to AI oversight.
Patent 1 creates the deterministic financial evidence: every wire, every accrual, every reconciliation packaged with cryptographic proof. Patent 2 governs how the AI that reasons over that evidence is trained, monitored, and held to the same audit-grade discipline. Together they form a closed loop — not two parallel filings. This is governed domain AI, not a chatbot bolted onto accounting software.
Patent 1 · Deterministic Evidence Chain
Three filed inventions, engineered as one statutory architecture.
Filed under Track One Prioritized Examination. The first two inventions establish settlement verification and FASB 91 EIR computation; the third unifies them under a single persistent identifier threading the Evidence Spine.
Patent 1 · Invention A
Automated settlement verification.
When a wire instruction arrives for a private credit transaction, the system verifies it against the loan’s current state — outstanding balance, accrued interest, fee schedules, reserves — and generates a deterministic verification token. Corroboration is scored across independent data sources. No back-and-forth email confirmations.
- Verification
- Deterministic, cryptographic
- Corroboration
- Multi-source, scored
- Settlement
- Wire + ledger attestation
Independent claim with supporting dependent claims
Patent 1 · Invention B
Precision interest-rate computation with audit trail.
Effective interest rates are computed using the Newton-Raphson iterative solver — the method required by FASB ASC 310-20 for loan origination fee amortization. Every intermediate step is recorded on a hash-chain provenance ledger. An auditor can reconstruct any number, on any historical date, to the cent.
- Solver tolerance
- ≤10-10
- Standard
- FASB ASC 310-20
- Provenance
- Hash-chain across iterations
Independent claim with supporting dependent claims
Patent 1 · Invention C
Multi-layer Evidence Spine architecture.
All financial data is organized along the Evidence Spine — origination, components, lifecycle events, attestation, settlement, reconciliation, daily position — linked by a single persistent facility identifier. Audit evidence under PCAOB AS 1105 is a built-in property of the architecture, not an after-the-fact reconstruction. Five-role attestation per material event requires at least two of Operator, Agent, Administrator, Borrower, Fund Manager.
- Architecture
- Multi-layer Evidence Spine
- Identifier
- One persistent facility identifier
- Attestation
- Five-role, hash-chain gated
Independent claim with supporting dependent claims
Patent 2 · AI Governance Layer
Four filed inventions governing the AI layer above the platform.
Filed under Track One Prioritized Examination. The methodology Enveriti uses to train its own domain-specific AI is itself the patent — a closed-loop discipline that makes AI training auditable, capability-preserving, and reproducibly governed.
Patent 2 · Invention A
Multi-dimensional corpus classification.
Every training record is classified along multiple orthogonal dimensions, producing a coverage matrix that surfaces hidden gaps — such as thousands of records explaining one process but zero teaching the model to diagnose a failure in it. Targeted record generation fills those gaps under governance.
- Classification
- Multi-dimensional, orthogonal
- Output
- Coverage matrix with gap surfacing
- Remediation
- Governed targeted generation
Independent claim with supporting dependent claims
Patent 2 · Invention B
Deterministic coverage replay.
Modern training frameworks shuffle data and report only aggregates — it becomes impossible to know which records the model has seen. This invention deterministically replays training to produce a per-record coverage map, without modifying the underlying framework.
- Mechanism
- External, deterministic
- Framework intrusion
- Read-only
- Output
- Per-record coverage map
Independent claim with supporting dependent claims
Patent 2 · Invention C
Multi-signal training oversight.
Multiple training-quality signals are constructed at every checkpoint. Composite indicators — drawn from disciplines that institutional finance already uses for quantitative oversight — fire only when multiple signals agree, producing high-specificity stop decisions.
- Signals
- Multi-channel, composite
- Decision rule
- Multi-indicator agreement
- Specificity
- Calibrated to zero false-positive stops
Independent claim with supporting dependent claims
Patent 2 · Invention D
Intelligence and capability retention monitor.
During domain-specific training, the model is continuously tested against a held-out general-knowledge evaluation set across multiple categories. If performance degrades, the system flags it and intervenes. Domain expertise without losing general intelligence.
- Evaluation
- Held-out general-knowledge
- Categories
- Reasoning · Math · Code · Language · Common-sense
- Action
- Automated flag + intervention
Independent claim with supporting dependent claims
See the platform that runs on this architecture.
The demo environment spans 84 facilities, 5 funds, and 113,733 events — running on 593 API endpoints across 65 domains and 22 compute engines. Every number deterministically computed.
Recompute it yourself
One facility. Every input shown. Rebuild it in a spreadsheet.
This is what “independently reproducible” means in practice. An illustrative bullet term loan, its inputs, the effective interest rate the engine solved, and the daily position record through the first coupon — with the net-investment check that must tie to the penny.
| Day | EIR income | Coupon accrual | OID / fee accretion | Cash | Carrying value |
|---|---|---|---|---|---|
| 1 | 2,434.96 | 2,222.22 | 212.73 | — | 9,702,434.96 |
| 2 | 2,435.57 | 2,222.22 | 213.35 | — | 9,704,870.52 |
| 3 | 2,436.18 | 2,222.22 | 213.96 | — | 9,707,306.70 |
| 7 | 2,438.63 | 2,222.22 | 216.40 | — | 9,717,057.54 |
| 30 | 2,452.74 | 2,222.22 | 230.52 | — | 9,773,315.20 |
| 60 | 2,471.28 | 2,222.22 | 249.06 | — | 9,847,184.54 |
| 89 | 2,489.34 | 2,222.22 | 267.11 | — | 9,919,122.24 |
| 90 | 2,489.96 | 2,222.22 | 267.74 | (200,000.00) | 9,721,612.20 |
Net-investment check at day 90: carrying value $9,721,612.20 equals principal $10,000,000.00 less unamortized OID and fees of $278,387.80. Accretion recognized in the first quarter: $21,612.20. Straight-line would have recognized $24,635.04 — the difference is the ASC 310-20-35 materiality test most funds never run. Figures are illustrative; the engine holds NUMERIC(24,9) throughout and rounds only for display.