IMS Labs
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ARBITER | Risk Analysis

Arbiter is Cortex’s risk and scoring engine. It runs every deal through proprietary models across six weighted categories, producing a composite credit score with full auditability.

INPUT STREAMS FROM SENTINEL Research data LIVE 847 ent. FROM PRISM Extracted financials LIVE 312 fields CREDIT BUREAU A Score + history CONNECTED API v3 CREDIT BUREAU B Cross-reference CONNECTED API v2 PUBLIC RECORDS Registries, filings POLLING 24h cycle ↓ 14.2 req/s avg RISK SCORING ENGINE v2.0 OPERATIONAL 28% Income Security (Contract) 85 17% Creditworthiness 78 15% Liquidity & Leverage 92 15% Collateral Quality 88 12% Behavioral & Reputation 95 13% Contract Assignment 72 COMPOSITE SCORE 87 /100 CONFIDENCE 94.2% LAST CALIBRATED 2026-03-15 MODEL VARIANT ARB-v2.0.4-prod TRAINING SET 18,432 deals SCORE DISTRIBUTION (90D) Q1 Q2 NOW STRATEGY CALIBRATION Active thresholds per fund strategy ATHLETE Min Score 65 Advance 70% ACTIVE STADIUM Min Score 72 Advance 60% ACTIVE EQUIPMENT Min Score 58 Advance 80% ACTIVE OUTPUT & MONITORING SCORE OUTPUT Writing composite: 87/100 Confidence band: 82-91 → PASSED threshold (65) RISK NARRATIVE Strong income security driven by multi-year contract commitments. Creditworthiness moderate; bureau data shows limited history in... Generating... 4 paragraphs ALERT QUEUE 3 pending Contract Change Detected 2m ago Bureau Update Available 14m ago Registry Filing Mismatch 1h ago → QUORUM IC Decision Package SCORES GENERATED 2,847 +127 this week AVG PROCESSING 3.2s -0.4s vs last month MODEL ACCURACY 94.2% FALSE POSITIVE RATE 2.1% BACKTEST 18,432 MODULE STATUS ARBITER v2.0.4 All systems nominal UPTIME 99.97% LATENCY p99: 4.8s ARBITER.SCORING.ENGINE // IMS LABS
Credit Scoring

Proprietary composite score across financial capacity, collateral quality, borrower history, market conditions, legal exposure, and operational risk.

LTV Analysis

Automated loan-to-value calculations with dynamic collateral revaluation. Stress scenarios applied across interest rate and market conditions.

Bureau Data

Direct integrations with credit bureaus, land registries, and corporate registries. Real-time pulls with automated validation.

98.7% accuracy

Model accuracy against historical IC decisions.