Verity is the world's first mathematically verified, agent-native, and quantum-ready core banking operating system. Delivered as a single sovereign binary deployable on any infrastructure — including fully air-gapped environments — Verity is engineered for the convergence of three generational shifts: the agentic AI economy, the post-quantum cryptography migration, and the regulatory demand for digital operational sovereignty.
The core banking software market reached $32.4 billion in 2025 and is projected to grow to approximately $50 billion by 2030. Verity targets the most demanding tier: regulated financial institutions requiring sovereign deployment, formal verification, and native support for AI agents as first-class banking customers. Verity has a production-ready platform (VCBP v15.0+), a tiered pricing model ($600K–$2.8M perpetual license plus 20% annual continuous assurance), and a roadmap of five modular extensions that collectively unlock a $368M ARR opportunity by Year 3. Ask: $15M Series A to fund regulatory certification, the build-out of five expansion modules, and initial go-to-market execution over 24 months.
| Tier | License (Perpetual) | Continuous Assurance (Annual) | Target Segment |
|---|---|---|---|
| Institutional | $600,000 | $120,000/yr | Community banks, credit unions, small regionals |
| Professional | $1,400,000 | $280,000/yr | Mid-tier regionals, large credit unions, challenger banks |
| Sovereign | $2,800,000 | $560,000/yr | Central banks, G-SIBs, sovereign wealth funds, defence |
Agentic AI in Banking: $490.2M (2024) → $4.49B by 2030 (45.4% CAGR). Fiserv launched agentOS in May 2026; Anchorage Digital launched "Agentic Banking" same month. The 1A1A paradigm is now being articulated independently by multiple players, validating Verity's architectural head start. Stablecoins: $33T on-chain volume in 2025, surpassing Visa + Mastercard combined. B2B stablecoin payments surged 730%. Citi projects $1.9T market cap by 2030. PQC Migration: Regulatory signals from USA, UK, EU, Canada, and Australia converge: migrate now. Verity is the only core banking platform with NIST FIPS 203/204/205 integrated at the ledger level. RegTech: $19.8B → $51.6B by 2030. Verity's compile-time regulatory enforcement (ASL) transforms compliance from a post-hoc audit cost into a structural property of the software.
| Capability | Verity | Fiserv agentOS | Thought Machine | Mambu | Temenos | Anchorage |
|---|---|---|---|---|---|---|
| Formal Verification (TLA+/Lean 4) | ✓ | ✗ | ✗ | ✗ | ✗ | ✗ |
| Capability-Based Microkernel | ✓ | ✗ | ✗ | ✗ | ✗ | ✗ |
| Agent-Native (1A1A) | ✓ Native | ◐ Orchestration | ✗ | ✗ | ✗ | ✓ Agentic Banking |
| Post-Quantum Cryptography | ✓ NIST FIPS | ✗ | ✗ | ✗ | ✗ | ✗ |
| Concurrent Multi-TEE | ✓ TDX + SEV-SNP | ✗ | ✗ | ✗ | ✗ | ✗ |
| Air-Gap Sovereign Deployment | ✓ Single binary | ✗ | ✗ | ✗ | ◐ Limited | ✗ |
| BIAN v14.0 (328 Domains) | ✓ Full | ◐ Partial | ◐ Partial | ◐ Partial | ◐ Partial | ✗ |
| Compile-Time Reg Enforcement | ✓ ASL | ✗ | ✗ | ✗ | ✗ | ✗ |
| Pricing Transparency | ✓ Public page | ✗ | ✗ | ◐ Partial | ✗ | ✗ |
Each module follows the same architecture pattern as VCBP: a Rust service with capability-based security, gRPC interfaces, TEE attestation, and Merkle-proofed audit. They're not separate products — they're capability modules that plug into the microkernel. Transaction-based modules scale quadratically with network effects.
| Certification | Timeline | Rationale |
|---|---|---|
| SOC 2 Type II | Months 3–6 | Table stakes for any bank procurement |
| PCI DSS 4.0 | Months 4–8 | Required for any payment processing |
| ISO 27001:2022 | Months 6–10 | International information security standard |
| FAPI 2.0 Conformance | Months 8–12 | Required for open banking compliance |
| eIDAS 2.0 Qualified Trust Service | Months 12–18 | EU regulatory recognition |
| Common Criteria EAL4+ | Months 18–24 | Government/defence procurement |
| Metric | Year 1 | Year 2 | Year 3 | Year 4 | Year 5 |
|---|---|---|---|---|---|
| Core license customers | 5 | 15 | 30 | 55 | 85 |
| Avg. license fee (blended) | $750K | $900K | $1.1M | $1.3M | $1.5M |
| License revenue | $3.75M | $13.5M | $33.0M | $71.5M | $127.5M |
| Continuous assurance | $0.75M | $2.7M | $6.6M | $14.3M | $25.5M |
| Module revenue (annual) | $0.3M | $4.2M | $18.5M | $52.0M | $105.0M |
| Transaction revenue | $0.0M | $1.5M | $12.0M | $45.0M | $120.0M |
| Professional services | $1.0M | $3.0M | $6.0M | $10.0M | $15.0M |
| Total Revenue | $5.8M | $24.9M | $76.1M | $192.8M | $393.0M |
| Gross Margin | 75% | 78% | 82% | 84% | 86% |
| Gross Profit | $4.35M | $19.4M | $62.4M | $162.0M | $338.0M |
| Use of Funds | Amount |
|---|---|
| Engineering (5 module build-out, 10 FTE × 24 months) | $4,800,000 |
| Certifications (SOC 2, PCI DSS, ISO 27001, FAPI 2.0, eIDAS) | $1,500,000 |
| Regulatory sandbox participation (4 jurisdictions) | $1,200,000 |
| Go-to-market (sales, marketing, partnerships) | $3,500,000 |
| Operations & infrastructure | $1,500,000 |
| Contingency (20%) | $2,500,000 |
| Total Series A Raise | $15,000,000 |
| Risk | Probability | Impact | Mitigation |
|---|---|---|---|
| Agentic banking adoption slower than projected | Medium | High | Core platform revenue independent of agent adoption |
| Fiserv/Oracle/Temenos add formal verification | Low | Medium | 5-10 year engineering investment; Verity has first-mover advantage |
| PQC standards change | Medium | Medium | Dual-signature transition architecture supports algorithm agility |
| TEE vulnerabilities discovered | Low | High | Concurrent multi-TEE with automated CVE failover |
| Sales cycle longer than projected | High | High | Design partner program, sandbox participation, regulatory relationships |
| Difficulty hiring formal methods engineers | Medium | Medium | Open-source ASL/seedvm builds community pipeline; academic partnerships |
| Export controls on PQC/confidential computing | Low | Medium | Open-source components provide transparency; sovereign deployment reduces jurisdictional risk |