{ "openapi": "3.1.0", "info": { "title": "Signal Band decision engines", "version": "1.0.0", "description": "Decision intelligence engines for startups and organisations. Free Soundchecks; paid engines use credits. Decision support, not financial, legal or investment advice.", "contact": { "email": "hello@signalband.net", "url": "https://signalband.net/developers" }, "termsOfService": "https://signalband.net/licence" }, "servers": [ { "url": "https://signalband.net" } ], "paths": { "/api/v1/engines": { "get": { "operationId": "listEngines", "summary": "List decision engines", "responses": { "200": { "description": "Engines" } } } }, "/api/v1/offers": { "get": { "operationId": "listOffers", "summary": "Credits, plans, licence packs and services with USD prices", "responses": { "200": { "description": "Offers" } } } }, "/api/v1/checkout": { "post": { "operationId": "createCheckout", "summary": "Create a Stripe Checkout link for the account owner to approve and pay", "security": [ {}, { "bearer": [] } ], "requestBody": { "required": true, "content": { "application/json": { "schema": { "type": "object", "required": [ "offer" ], "properties": { "offer": { "type": "string", "enum": [ "sprint-venture", "sprint-ai", "credits-250", "plan-builder", "plan-studio", "library", "licence-venture-validation-engine", "licence-ai-business-case-validator", "licence-release-governance-portfolio", "licence-it-future", "licence-cyber-future", "licence-ai-future", "practitioner-review" ] }, "billing": { "type": "string", "enum": [ "one-off", "month", "quarter", "year" ] }, "email": { "type": "string", "format": "email" } } } } } }, "responses": { "200": { "description": "checkoutUrl, sessionId, claimUrl" }, "400": { "description": "Error", "content": { "application/json": { "schema": { "$ref": "#/components/schemas/Error" } } } }, "429": { "description": "Error", "content": { "application/json": { "schema": { "$ref": "#/components/schemas/Error" } } } }, "503": { "description": "Error", "content": { "application/json": { "schema": { "$ref": "#/components/schemas/Error" } } } } } } }, "/api/v1/checkout/{sessionId}/claim": { "get": { "operationId": "claimPurchase", "summary": "After payment: API key (first purchase, shown once) and download links", "parameters": [ { "name": "sessionId", "in": "path", "required": true, "schema": { "type": "string" } } ], "responses": { "200": { "description": "Claimed" }, "202": { "description": "Awaiting payment" } } } }, "/api/v1/account/receipt": { "get": { "operationId": "getReceipt", "summary": "Usage receipt for the owner: runs, credits, engine versions and purchases over a period", "security": [ { "bearer": [] } ], "parameters": [ { "name": "days", "in": "query", "schema": { "type": "integer", "minimum": 1, "maximum": 366, "default": 30 } } ], "responses": { "200": { "description": "Receipt" }, "401": { "description": "Error", "content": { "application/json": { "schema": { "$ref": "#/components/schemas/Error" } } } } } } }, "/api/v1/account": { "get": { "operationId": "getAccount", "summary": "Credits, plans, usage and fresh download links", "security": [ { "bearer": [] } ], "responses": { "200": { "description": "Account" }, "401": { "description": "Error", "content": { "application/json": { "schema": { "$ref": "#/components/schemas/Error" } } } } } } }, "/api/v1/engines/startup-soundcheck": { "get": { "operationId": "get_startup_soundcheck", "summary": "Startup Soundcheck: schema, sample and method", "responses": { "200": { "description": "Engine spec" } } } }, "/api/v1/engines/startup-soundcheck/run": { "post": { "operationId": "run_startup_soundcheck", "summary": "Run Startup Soundcheck (free)", "description": "Indicative investment-readiness range for a venture from 12 answers across customers, traction, product, unit economics, runway and team.", "security": [ {}, { "bearer": [] } ], "requestBody": { "required": true, "content": { "application/json": { "schema": { "type": "object", "required": [ "answers" ], "additionalProperties": false, "properties": { "answers": { "type": "object", "additionalProperties": false, "required": [ "interviews", "riskiest", "customers", "mrr", "stage", "acv", "cac", "margin", "churn", "cash", "burn", "team" ], "properties": { "interviews": { "type": "string", "enum": [ "0", "1-9", "10-24", "25-49", "50+", "unsure" ], "description": "Structured customer problem interviews in the last 6 months" }, "riskiest": { "type": "string", "enum": [ "no", "partly", "yes", "unsure" ], "description": "Riskiest assumption tested with real evidence?" }, "customers": { "type": "string", "enum": [ "0", "1-2", "3-9", "10-49", "50+", "unsure" ], "description": "Paying customers, paid pilots or signed LOIs" }, "mrr": { "type": "string", "enum": [ "0", "<5k", "5-25k", "25-100k", "100k+", "unsure" ], "description": "Monthly recurring revenue" }, "stage": { "type": "string", "enum": [ "idea", "prototype", "mvp", "paying", "scaling", "unsure" ], "description": "Product stage" }, "acv": { "type": [ "number", "string" ], "description": "Average annual revenue per customer (actual or planned)" }, "cac": { "type": [ "number", "string" ], "description": "Average cost to acquire one customer" }, "margin": { "type": "string", "enum": [ "<30", "30-50", "50-70", "70+", "unsure" ], "description": "Gross margin %" }, "churn": { "type": "string", "enum": [ "<1", "1-3", "3-5", "5+", "unsure" ], "description": "Monthly customer churn %" }, "cash": { "type": [ "number", "string" ], "description": "Cash in the bank (closed funding only)" }, "burn": { "type": [ "number", "string" ], "description": "Monthly net burn (0 if cash-flow positive)" }, "team": { "type": "string", "enum": [ "solo-pt", "solo-ft", "multi-ft", "multi-ft-domain", "unsure" ], "description": "Founding team" } } } } }, "example": { "answers": { "interviews": "10-24", "riskiest": "partly", "customers": "3-9", "mrr": "5-25k", "stage": "paying", "acv": 12000, "cac": 3000, "margin": "50-70", "churn": "1-3", "cash": 500000, "burn": 40000, "team": "multi-ft" } } } } }, "responses": { "200": { "description": "Result with provenance", "content": { "application/json": { "schema": { "$ref": "#/components/schemas/RunResult" } } } }, "401": { "description": "Error", "content": { "application/json": { "schema": { "$ref": "#/components/schemas/Error" } } } }, "402": { "description": "Error", "content": { "application/json": { "schema": { "$ref": "#/components/schemas/Error" } } } }, "422": { "description": "Error", "content": { "application/json": { "schema": { "$ref": "#/components/schemas/Error" } } } }, "429": { "description": "Error", "content": { "application/json": { "schema": { "$ref": "#/components/schemas/Error" } } } } } } }, "/api/v1/engines/business-soundcheck": { "get": { "operationId": "get_business_soundcheck", "summary": "Business Soundcheck: schema, sample and method", "responses": { "200": { "description": "Engine spec" } } } }, "/api/v1/engines/business-soundcheck/run": { "post": { "operationId": "run_business_soundcheck", "summary": "Run Business Soundcheck (free)", "description": "Indicative decision-readiness range for an organisation across cyber, identity, AI spend, technical debt, workforce, delivery and data, with the weakest area routed to the product that fixes it.", "security": [ {}, { "bearer": [] } ], "requestBody": { "required": true, "content": { "application/json": { "schema": { "type": "object", "required": [ "answers" ], "additionalProperties": false, "properties": { "profile": { "type": "object", "description": "Not scored: size, sector, country, role" }, "answers": { "type": "object", "additionalProperties": false, "required": [ "q1", "q2", "q3", "q4", "q5", "q6", "q7", "q8", "q9", "q10", "q11", "q12" ], "properties": { "q1": { "type": "string", "enum": [ "never", "2y+", "1-2y", "12m", "unsure" ], "description": "Last independent cyber maturity assessment" }, "q2": { "type": "string", "enum": [ "20+", "6-20", "1-5", "0", "unsure" ], "description": "Critical/high security findings past their fix date" }, "q3": { "type": "string", "enum": [ "<25", "25-50", "50-80", "80+", "unsure" ], "description": "% of business apps behind SSO with MFA" }, "q4": { "type": "string", "enum": [ "weeks", "week", "day", "auto", "unsure" ], "description": "How fast leavers lose all access" }, "q5": { "type": "string", "enum": [ "never", "sometimes", "usually", "always", "unsure" ], "description": "AI initiatives need an approved business case first?" }, "q6": { "type": "string", "enum": [ "no", "rough", "team", "benefits", "unsure" ], "description": "Monthly AI tool/token/inference spend known?" }, "q7": { "type": "string", "enum": [ "50+", "35-50", "20-35", "<20", "unsure" ], "description": "% of engineering time on unplanned work" }, "q8": { "type": "string", "enum": [ "many", "few", "one", "none", "unsure" ], "description": "Critical systems on end-of-life technology" }, "q9": { "type": "string", "enum": [ "many", "few", "one", "none", "unsure" ], "description": "Critical systems depending on one person's knowledge" }, "q10": { "type": "string", "enum": [ "always", "often", "sometimes", "rarely", "unsure" ], "description": "Projects delayed for lack of the right people" }, "q11": { "type": "string", "enum": [ "<25", "25-50", "50-75", "75+", "unsure" ], "description": "% of major initiatives on time and budget (12 months)" }, "q12": { "type": "string", "enum": [ "no", "partly", "mostly", "fully", "unsure" ], "description": "Critical data classified with named owners" } } } } }, "example": { "profile": { "size": "200-999", "sector": "Retail", "country": "US", "role": "CIO" }, "answers": { "q1": "1-2y", "q2": "6-20", "q3": "50-80", "q4": "week", "q5": "sometimes", "q6": "rough", "q7": "35-50", "q8": "few", "q9": "few", "q10": "often", "q11": "25-50", "q12": "partly" } } } } }, "responses": { "200": { "description": "Result with provenance", "content": { "application/json": { "schema": { "$ref": "#/components/schemas/RunResult" } } } }, "401": { "description": "Error", "content": { "application/json": { "schema": { "$ref": "#/components/schemas/Error" } } } }, "402": { "description": "Error", "content": { "application/json": { "schema": { "$ref": "#/components/schemas/Error" } } } }, "422": { "description": "Error", "content": { "application/json": { "schema": { "$ref": "#/components/schemas/Error" } } } }, "429": { "description": "Error", "content": { "application/json": { "schema": { "$ref": "#/components/schemas/Error" } } } } } } }, "/api/v1/engines/agent-soundcheck": { "get": { "operationId": "get_agent_soundcheck", "summary": "Agent Soundcheck: schema, sample and method", "responses": { "200": { "description": "Engine spec" } } } }, "/api/v1/engines/agent-soundcheck/run": { "post": { "operationId": "run_agent_soundcheck", "summary": "Run Agent Soundcheck (free)", "description": "For AI agents: checks whether a Signal Band engine, Power BI pack or practitioner fits the owner's decision before you recommend a purchase. Returns a fit range, one action and the offers to show the owner. Never recommends buying without the owner's approval.", "security": [ {}, { "bearer": [] } ], "requestBody": { "required": true, "content": { "application/json": { "schema": { "type": "object", "required": [ "decision" ], "additionalProperties": false, "properties": { "decision": { "type": "string", "enum": [ "startup-quick-read", "venture-readiness", "ai-investment", "org-quick-read", "tech-debt", "workforce", "cyber-capability", "ai-governance", "release-governance", "cyber-program", "identity-program", "portfolio-delivery", "other" ], "description": "The kind of decision the owner faces" }, "description": { "type": "string", "description": "One or two sentences on the decision, for the record" }, "stakes": { "type": "string", "enum": [ "internal", "customer-facing", "compliance-or-investment" ] }, "alternative": { "type": "string", "enum": [ "practitioner", "analyst", "agent-ad-hoc", "nothing" ], "description": "What the owner would do otherwise" }, "inputsAvailable": { "type": "array", "items": { "type": "string", "enum": [ "hypotheses", "evidence", "gate-mapping", "experiments", "financials", "initiatives", "benefit-claims", "usage-volumes", "run-costs", "ai-budget", "csv-exports", "power-bi-desktop", "analyst-time" ] }, "description": "Inputs the owner already has. See each engine spec for what the items mean." }, "runsPerMonth": { "type": "integer", "minimum": 1, "maximum": 1000 }, "forClients": { "type": "boolean", "description": "True if results will be delivered to the owner's own clients (commercial licence)" }, "budgetUSD": { "type": "number", "minimum": 0 } } }, "example": { "decision": "ai-investment", "description": "Board wants to know which of 8 AI pilots to fund next quarter", "stakes": "internal", "alternative": "analyst", "inputsAvailable": [ "initiatives", "benefit-claims", "evidence", "usage-volumes" ], "runsPerMonth": 2, "budgetUSD": 300 } } } }, "responses": { "200": { "description": "Result with provenance", "content": { "application/json": { "schema": { "$ref": "#/components/schemas/RunResult" } } } }, "401": { "description": "Error", "content": { "application/json": { "schema": { "$ref": "#/components/schemas/Error" } } } }, "402": { "description": "Error", "content": { "application/json": { "schema": { "$ref": "#/components/schemas/Error" } } } }, "422": { "description": "Error", "content": { "application/json": { "schema": { "$ref": "#/components/schemas/Error" } } } }, "429": { "description": "Error", "content": { "application/json": { "schema": { "$ref": "#/components/schemas/Error" } } } } } } }, "/api/v1/engines/venture-readiness": { "get": { "operationId": "get_venture_readiness", "summary": "Venture Readiness Engine: schema, sample and method", "responses": { "200": { "description": "Engine spec" } } } }, "/api/v1/engines/venture-readiness/run": { "post": { "operationId": "run_venture_readiness", "summary": "Run Venture Readiness Engine (10 credits)", "description": "Scores a venture's hypotheses against its evidence: confidence per assumption, ten validation gates, readiness, Evidence Confidence and Assumption Exposure indices, the next tests ranked by priority, and a proceed / continue / rework recommendation.", "security": [ { "bearer": [] } ], "requestBody": { "required": true, "content": { "application/json": { "schema": { "type": "object", "required": [ "hypotheses" ], "properties": { "ventureName": { "type": "string" }, "asAtDate": { "type": "string", "format": "date", "description": "Date evidence recency is measured from (default today)" }, "hypotheses": { "type": "array", "minItems": 1, "maxItems": 200, "items": { "type": "object", "required": [ "id", "text", "domain", "gate", "impact" ], "properties": { "id": { "type": "string" }, "text": { "type": "string" }, "domain": { "type": "string", "enum": [ "Product", "Market", "Customer / Problem", "Technology / Architecture", "Go-to-Market", "Commercial / Financial", "Capability / Execution", "Risk & Investment Readiness" ] }, "gate": { "type": "string", "enum": [ "V01", "V02", "V03", "V04", "V05", "V06", "V07", "V08", "V09", "V10" ] }, "impact": { "type": "string", "enum": [ "High", "Medium", "Low" ] }, "material": { "type": "boolean" }, "testability": { "type": "integer", "minimum": 1, "maximum": 5 }, "dependentModels": { "type": "array", "items": { "type": "string" } }, "evidence": { "type": "array", "maxItems": 100, "items": { "type": "object", "required": [ "direction", "reliability", "relevance", "sampleAdequacy", "capturedDate" ], "properties": { "direction": { "type": "string", "enum": [ "Supports", "Contradicts", "Neutral" ] }, "reliability": { "type": "integer", "minimum": 1, "maximum": 5 }, "relevance": { "type": "integer", "minimum": 1, "maximum": 5 }, "sampleAdequacy": { "type": "integer", "minimum": 1, "maximum": 5 }, "capturedDate": { "type": "string", "format": "date" }, "summary": { "type": "string" } } } }, "openExperiments": { "type": "array", "items": { "type": "object", "required": [ "name" ] } } } } }, "blockers": { "type": "array", "items": { "type": "object", "required": [ "gate", "text" ] } }, "financials": { "type": "object", "properties": { "ltvCac": { "type": [ "number", "null" ] }, "runwayMonths": { "type": [ "number", "null" ] }, "grossMargin": { "type": [ "number", "null" ] } } } } }, "example": { "ventureName": "NovaPay (fictional sample)", "asAtDate": "2026-10-02", "hypotheses": [ { "id": "H01", "text": "Suppliers want to offer 30–60 day trade terms without carrying the credit risk themselves", "domain": "Product", "gate": "V01", "impact": "High", "material": true, "testability": 4, "dependentModels": [ "Revenue", "GTM" ], "evidence": [ { "direction": "Supports", "reliability": 5, "relevance": 5, "sampleAdequacy": 4, "capturedDate": "2026-08-23", "summary": "17 of 20 finance managers would offer longer terms if risk sat elsewhere" }, { "direction": "Supports", "reliability": 5, "relevance": 5, "sampleAdequacy": 4, "capturedDate": "2026-08-14", "summary": "3 suppliers signed LOIs to offer 45-day terms via NovaPay" }, { "direction": "Supports", "reliability": 5, "relevance": 5, "sampleAdequacy": 4, "capturedDate": "2026-08-05", "summary": "Pilot suppliers extended terms to 38% of eligible buyers in month 1" }, { "direction": "Supports", "reliability": 5, "relevance": 5, "sampleAdequacy": 4, "capturedDate": "2026-06-27", "summary": "Wholesale association survey (n=212): 64% cite risk as the reason terms are not offered" } ] }, { "id": "H02", "text": "An embedded pay-later link inside existing Xero / MYOB invoices is enough — no separate buyer portal needed", "domain": "Product", "gate": "V05", "impact": "High", "material": true, "testability": 4, "dependentModels": [ "Technology", "GTM" ], "evidence": [ { "direction": "Supports", "reliability": 3, "relevance": 4, "sampleAdequacy": 3, "capturedDate": "2026-07-18", "summary": "84% of pilot buyers paid from the invoice link without visiting a portal" }, { "direction": "Supports", "reliability": 3, "relevance": 4, "sampleAdequacy": 3, "capturedDate": "2026-07-09", "summary": "Finance managers prefer no new portal for buyers" }, { "direction": "Contradicts", "reliability": 3, "relevance": 3, "sampleAdequacy": 2, "capturedDate": "2026-06-30", "summary": "2 large buyers asked for a statement portal to manage multiple suppliers" } ] }, { "id": "H03", "text": "Trade buyers accept a soft credit check at checkout", "domain": "Product", "gate": "V05", "impact": "Medium", "material": true, "testability": 4, "dependentModels": [ "Revenue" ], "evidence": [ { "direction": "Supports", "reliability": 3, "relevance": 4, "sampleAdequacy": 3, "capturedDate": "2026-07-17", "summary": "Soft-check completion 91% at checkout in pilot" }, { "direction": "Supports", "reliability": 3, "relevance": 4, "sampleAdequacy": 3, "capturedDate": "2026-07-08", "summary": "Buyers indifferent to soft check if under 30 seconds" } ] }, { "id": "H04", "text": "Same-day settlement to the supplier is a must-have, not a nice-to-have", "domain": "Product", "gate": "V05", "impact": "Medium", "material": true, "testability": 5, "dependentModels": [ "Commercial" ], "evidence": [ { "direction": "Supports", "reliability": 5, "relevance": 5, "sampleAdequacy": 4, "capturedDate": "2026-08-20", "summary": "15 of 20 suppliers rank same-day settlement above price" }, { "direction": "Supports", "reliability": 5, "relevance": 5, "sampleAdequacy": 4, "capturedDate": "2026-08-11", "summary": "Pilot NPS +34 driven by same-day settlement" }, { "direction": "Supports", "reliability": 5, "relevance": 5, "sampleAdequacy": 4, "capturedDate": "2026-08-02", "summary": "Association survey: settlement speed is the #2 selection criterion" } ] }, { "id": "H05", "text": "Late payment is a top-3 cash-flow pain for wholesale suppliers (DSO > 45 days)", "domain": "Customer / Problem", "gate": "V02", "impact": "High", "material": true, "testability": 5, "dependentModels": [ "Revenue", "GTM" ], "evidence": [ { "direction": "Supports", "reliability": 5, "relevance": 5, "sampleAdequacy": 4, "capturedDate": "2026-09-22", "summary": "Median DSO 52 days across 20 interviewed suppliers" }, { "direction": "Supports", "reliability": 5, "relevance": 5, "sampleAdequacy": 4, "capturedDate": "2026-09-13", "summary": "Industry payment-times report: wholesale DSO 49 days, worst sector" }, { "direction": "Supports", "reliability": 5, "relevance": 5, "sampleAdequacy": 4, "capturedDate": "2026-09-04", "summary": "Late payment ranked top-3 cash-flow pain by 71% (n=212)" }, { "direction": "Supports", "reliability": 5, "relevance": 5, "sampleAdequacy": 4, "capturedDate": "2026-08-26", "summary": "Pilot suppliers' overdue balance fell 41% in 60 days" } ] }, { "id": "H06", "text": "Suppliers spend more than 6 hours a week chasing overdue invoices", "domain": "Customer / Problem", "gate": "V02", "impact": "Medium", "material": true, "testability": 5, "dependentModels": [ "GTM" ], "evidence": [ { "direction": "Supports", "reliability": 5, "relevance": 5, "sampleAdequacy": 4, "capturedDate": "2026-08-23", "summary": "Median 7.5 hours/week spent on collections" }, { "direction": "Supports", "reliability": 5, "relevance": 5, "sampleAdequacy": 4, "capturedDate": "2026-08-14", "summary": "62% spend over 5 hours a week chasing invoices" }, { "direction": "Supports", "reliability": 5, "relevance": 5, "sampleAdequacy": 4, "capturedDate": "2026-08-05", "summary": "Pilot time-tracking: 6.8 hours/week saved per supplier" } ] }, { "id": "H07", "text": "Finance managers, not owners, are the economic buyer in $5–50M wholesalers", "domain": "Customer / Problem", "gate": "V03", "impact": "High", "material": true, "testability": 4, "dependentModels": [ "GTM", "Capability" ], "evidence": [ { "direction": "Supports", "reliability": 3, "relevance": 4, "sampleAdequacy": 3, "capturedDate": "2026-07-18", "summary": "Finance manager signed in 7 of 9 pilot deals" }, { "direction": "Supports", "reliability": 3, "relevance": 4, "sampleAdequacy": 3, "capturedDate": "2026-07-09", "summary": "Owners delegate payment tooling to finance in firms over $10M" } ] }, { "id": "H08", "text": "Suppliers will pay 1.5–2.5% of financed invoice value", "domain": "Customer / Problem", "gate": "V03", "impact": "High", "material": true, "testability": 4, "dependentModels": [ "Revenue", "Commercial" ], "evidence": [ { "direction": "Supports", "reliability": 3, "relevance": 4, "sampleAdequacy": 3, "capturedDate": "2026-07-17", "summary": "Van Westendorp: acceptable fee band 1.4%–2.6%" }, { "direction": "Supports", "reliability": 3, "relevance": 4, "sampleAdequacy": 3, "capturedDate": "2026-07-08", "summary": "LOIs priced at 1.9% and 2.2% of financed value" }, { "direction": "Contradicts", "reliability": 3, "relevance": 3, "sampleAdequacy": 2, "capturedDate": "2026-06-29", "summary": "Price-sensitive F&B suppliers anchor on 1.0% card fees" } ] }, { "id": "H09", "text": "Trade buyers prefer pay-later over card surcharges", "domain": "Customer / Problem", "gate": "V03", "impact": "Medium", "material": true, "testability": 3, "dependentModels": [ "GTM" ], "evidence": [ { "direction": "Supports", "reliability": 1, "relevance": 3, "sampleAdequacy": 2, "capturedDate": "2026-04-22", "summary": "Overseas B2B BNPL adoption suggests buyer preference" } ] }, { "id": "H10", "text": "There are at least 18,000 reachable wholesale suppliers in the ICP in Australia", "domain": "Market", "gate": "V04", "impact": "High", "material": true, "testability": 5, "dependentModels": [ "Revenue", "Capital" ], "evidence": [ { "direction": "Supports", "reliability": 1, "relevance": 3, "sampleAdequacy": 2, "capturedDate": "2026-04-21", "summary": "Desk estimate from ABS business counts: ~21,000 wholesale firms $5–50M (not filtered for Xero/MYOB)" }, { "direction": "Neutral", "reliability": 2, "relevance": 3, "sampleAdequacy": 1, "capturedDate": "2026-09-23", "summary": "Xero marketplace category count not published — request lodged" } ], "openExperiments": [ { "name": "Market sizing — ABS counts × Xero/MYOB penetration", "method": "Desk research + data purchase", "cost": 3000, "days": 14 } ] }, { "id": "H11", "text": "B2B pay-later incumbents are not serving sub-$50M suppliers well", "domain": "Market", "gate": "V04", "impact": "Medium", "material": true, "testability": 3, "dependentModels": [ "GTM" ], "evidence": [ { "direction": "Supports", "reliability": 2, "relevance": 4, "sampleAdequacy": 3, "capturedDate": "2026-07-19", "summary": "Competitor review: 2 of 3 incumbents set $50M minimum supplier revenue" }, { "direction": "Supports", "reliability": 3, "relevance": 4, "sampleAdequacy": 3, "capturedDate": "2026-07-10", "summary": "Suppliers report being declined by bank trade-finance products" } ] }, { "id": "H12", "text": "Accounting-platform app marketplaces can deliver 30%+ of leads", "domain": "Market", "gate": "V04", "impact": "Medium", "material": true, "testability": 4, "dependentModels": [ "GTM", "Revenue" ], "evidence": [ { "direction": "Supports", "reliability": 1, "relevance": 3, "sampleAdequacy": 2, "capturedDate": "2026-04-24", "summary": "Marketplace benchmark from another fintech: 25–35% of leads" } ] }, { "id": "H13", "text": "New Zealand is an adjacent market reachable in Year 3", "domain": "Market", "gate": "V04", "impact": "Low", "material": false, "testability": 2, "dependentModels": [ "Revenue" ], "evidence": [] }, { "id": "H14", "text": "Xero and MYOB APIs support embedded payment links on invoices at scale", "domain": "Technology / Architecture", "gate": "V06", "impact": "High", "material": true, "testability": 5, "dependentModels": [ "Technology" ], "evidence": [ { "direction": "Supports", "reliability": 5, "relevance": 5, "sampleAdequacy": 4, "capturedDate": "2026-09-23", "summary": "Integration spike: payment link embedded on Xero invoices end-to-end" }, { "direction": "Supports", "reliability": 5, "relevance": 5, "sampleAdequacy": 4, "capturedDate": "2026-09-14", "summary": "MYOB API rate limits support 50k invoices/day" }, { "direction": "Supports", "reliability": 5, "relevance": 5, "sampleAdequacy": 4, "capturedDate": "2026-09-05", "summary": "Xero partner manager confirms payment-service app category" } ] }, { "id": "H15", "text": "Credit decisioning can be automated for 80% of buyers using bureau + ledger data", "domain": "Technology / Architecture", "gate": "V06", "impact": "High", "material": true, "testability": 4, "dependentModels": [ "Commercial", "Capability", "Technology" ], "evidence": [ { "direction": "Neutral", "reliability": 2, "relevance": 3, "sampleAdequacy": 1, "capturedDate": "2026-09-20", "summary": "Historic buyer invoice set (n=400) obtained for shadow decisioning" } ], "openExperiments": [ { "name": "Shadow credit decisioning on 400 historic buyer invoices", "method": "Technical proof", "cost": 12000, "days": 30 } ] }, { "id": "H16", "text": "A banking-as-a-service lending partner can provide the balance sheet within 6 months", "domain": "Technology / Architecture", "gate": "V06", "impact": "High", "material": true, "testability": 3, "dependentModels": [ "Capital", "Commercial" ], "evidence": [ { "direction": "Supports", "reliability": 3, "relevance": 4, "sampleAdequacy": 3, "capturedDate": "2026-07-19", "summary": "Indicative term sheet from a BaaS lender: $20M facility" }, { "direction": "Supports", "reliability": 3, "relevance": 4, "sampleAdequacy": 3, "capturedDate": "2026-07-10", "summary": "Two lenders confirm 4–6 month onboarding" } ] }, { "id": "H17", "text": "The platform can meet ISO 27001 / SOC 2 expectations of mid-market finance teams within 12 months", "domain": "Technology / Architecture", "gate": "V06", "impact": "Medium", "material": true, "testability": 4, "dependentModels": [ "Technology", "Capability" ], "evidence": [ { "direction": "Supports", "reliability": 2, "relevance": 3, "sampleAdequacy": 2, "capturedDate": "2026-04-24", "summary": "vCISO view: SOC 2 Type 1 feasible in 9 months" } ], "openExperiments": [ { "name": "SOC 2 readiness gap assessment", "method": "Technical assessment", "cost": 9000, "days": 30 } ] }, { "id": "H18", "text": "An AI collections assistant improves recovery rates by 10%", "domain": "Technology / Architecture", "gate": "V06", "impact": "Low", "material": false, "testability": 3, "dependentModels": [ "Commercial" ], "evidence": [] }, { "id": "H19", "text": "Gross margin of at least 60% after funding cost and expected credit losses", "domain": "Commercial / Financial", "gate": "V07", "impact": "High", "material": true, "testability": 4, "dependentModels": [ "Commercial", "Capital" ], "evidence": [ { "direction": "Supports", "reliability": 2, "relevance": 4, "sampleAdequacy": 3, "capturedDate": "2026-07-16", "summary": "Unit model at 2.0% fee, 7.5% funding cost: 61% gross margin" }, { "direction": "Supports", "reliability": 3, "relevance": 4, "sampleAdequacy": 3, "capturedDate": "2026-07-07", "summary": "Funding cost range 7.2%–8.4% in term sheets" } ], "openExperiments": [ { "name": "Funding-cost term sheets from 3 lending partners", "method": "Commercial negotiation", "cost": 5000, "days": 35 } ] }, { "id": "H20", "text": "Monthly logo churn stays below 2%", "domain": "Commercial / Financial", "gate": "V07", "impact": "High", "material": true, "testability": 3, "dependentModels": [ "Revenue", "Capital" ], "evidence": [ { "direction": "Supports", "reliability": 3, "relevance": 4, "sampleAdequacy": 3, "capturedDate": "2026-07-15", "summary": "1 of 12 pilot suppliers churned in 5 months (~1.7%/month)" }, { "direction": "Supports", "reliability": 3, "relevance": 4, "sampleAdequacy": 3, "capturedDate": "2026-07-06", "summary": "Suppliers expect to keep terms once offered" } ], "openExperiments": [ { "name": "Pilot cohort retention tracking (12 suppliers)", "method": "Pilot cohort", "cost": 2000, "days": 90 } ] }, { "id": "H21", "text": "Average revenue per account of at least $1,800 a month", "domain": "Commercial / Financial", "gate": "V07", "impact": "High", "material": true, "testability": 4, "dependentModels": [ "Revenue", "Capital" ], "evidence": [ { "direction": "Supports", "reliability": 1, "relevance": 3, "sampleAdequacy": 2, "capturedDate": "2026-04-25", "summary": "Founder model: $1,850/month at $1.1M monthly financed volume" } ], "openExperiments": [ { "name": "Pricing quote test with 25 suppliers", "method": "Willingness-to-pay test", "cost": 4000, "days": 28 } ] }, { "id": "H22", "text": "Expected credit loss at or below 1.2% of financed volume", "domain": "Commercial / Financial", "gate": "V07", "impact": "Medium", "material": true, "testability": 4, "dependentModels": [ "Commercial" ], "evidence": [ { "direction": "Supports", "reliability": 2, "relevance": 3, "sampleAdequacy": 2, "capturedDate": "2026-04-24", "summary": "Trade-credit insurer loss data: 0.8%–1.5% for wholesale" } ], "openExperiments": [ { "name": "Loss-rate back-test on pilot book", "method": "Data analysis", "cost": 3000, "days": 21 } ] }, { "id": "H23", "text": "CAC at or below $9,000 through the accountant partner channel", "domain": "Go-to-Market", "gate": "V08", "impact": "High", "material": true, "testability": 4, "dependentModels": [ "Capital", "GTM" ], "evidence": [ { "direction": "Supports", "reliability": 1, "relevance": 3, "sampleAdequacy": 2, "capturedDate": "2026-04-23", "summary": "Accountant referral benchmarks: $6k–$12k CAC" }, { "direction": "Neutral", "reliability": 2, "relevance": 3, "sampleAdequacy": 1, "capturedDate": "2026-09-22", "summary": "Accountant partner programme designed; no paid test yet" } ], "openExperiments": [ { "name": "Accountant partner channel test — 3 firms, 8 weeks", "method": "Sales test", "cost": 18000, "days": 56 } ] }, { "id": "H24", "text": "Lead-to-customer conversion of at least 6%", "domain": "Go-to-Market", "gate": "V08", "impact": "High", "material": true, "testability": 5, "dependentModels": [ "Revenue", "Capital", "GTM" ], "evidence": [ { "direction": "Supports", "reliability": 4, "relevance": 5, "sampleAdequacy": 4, "capturedDate": "2026-08-30", "summary": "Early pilot cohort: 6.4% lead-to-customer (n=47)" }, { "direction": "Contradicts", "reliability": 4, "relevance": 5, "sampleAdequacy": 4, "capturedDate": "2026-08-21", "summary": "Checkout A/B test: 3.1% lead-to-customer across 290 leads" }, { "direction": "Contradicts", "reliability": 4, "relevance": 5, "sampleAdequacy": 4, "capturedDate": "2026-08-12", "summary": "Marketplace listing conversion 2.8% over 6 weeks" } ] }, { "id": "H25", "text": "Sales cycle under 60 days", "domain": "Go-to-Market", "gate": "V08", "impact": "Medium", "material": true, "testability": 4, "dependentModels": [ "GTM", "Capital" ], "evidence": [ { "direction": "Supports", "reliability": 3, "relevance": 4, "sampleAdequacy": 3, "capturedDate": "2026-07-15", "summary": "Median 48-day cycle across 9 pilot deals" }, { "direction": "Supports", "reliability": 3, "relevance": 4, "sampleAdequacy": 3, "capturedDate": "2026-07-06", "summary": "Finance managers can approve tools under $3k/month" } ] }, { "id": "H26", "text": "200 qualified leads a month achievable by month 6", "domain": "Go-to-Market", "gate": "V08", "impact": "Medium", "material": true, "testability": 4, "dependentModels": [ "GTM", "Revenue" ], "evidence": [ { "direction": "Supports", "reliability": 2, "relevance": 3, "sampleAdequacy": 2, "capturedDate": "2026-04-25", "summary": "Landing page test: 61 qualified leads in 4 weeks at $95 per lead" } ], "openExperiments": [ { "name": "Marketplace listing + LinkedIn lead-generation test", "method": "Landing page / paid test", "cost": 7000, "days": 45 } ] }, { "id": "H27", "text": "Industry associations will co-market NovaPay", "domain": "Go-to-Market", "gate": "V08", "impact": "Low", "material": false, "testability": 3, "dependentModels": [ "GTM" ], "evidence": [] }, { "id": "H28", "text": "A credit-risk lead can be hired within 3 months", "domain": "Capability / Execution", "gate": "V09", "impact": "High", "material": true, "testability": 4, "dependentModels": [ "Capability" ], "evidence": [ { "direction": "Supports", "reliability": 2, "relevance": 3, "sampleAdequacy": 2, "capturedDate": "2026-04-23", "summary": "Recruiter: credit-risk leads typically 3–5 months to hire" } ], "openExperiments": [ { "name": "Credit-risk lead search via specialist recruiter", "method": "Recruitment", "cost": 20000, "days": 60 } ] }, { "id": "H29", "text": "One customer-success manager can look after 60 accounts", "domain": "Capability / Execution", "gate": "V09", "impact": "Medium", "material": true, "testability": 4, "dependentModels": [ "Capability", "Capital" ], "evidence": [ { "direction": "Supports", "reliability": 3, "relevance": 4, "sampleAdequacy": 3, "capturedDate": "2026-07-16", "summary": "Pilot CSM handled 12 accounts at 25% utilisation" }, { "direction": "Supports", "reliability": 3, "relevance": 4, "sampleAdequacy": 3, "capturedDate": "2026-07-07", "summary": "Benchmark: 50–80 SMB accounts per CSM" } ] }, { "id": "H30", "text": "An engineering team of 6 can deliver MVP + integrations in 9 months", "domain": "Capability / Execution", "gate": "V09", "impact": "Medium", "material": true, "testability": 3, "dependentModels": [ "Capability", "Technology" ], "evidence": [ { "direction": "Supports", "reliability": 4, "relevance": 4, "sampleAdequacy": 4, "capturedDate": "2024-10-08", "summary": "Delivery estimate from previous fintech build (2024)" }, { "direction": "Supports", "reliability": 4, "relevance": 4, "sampleAdequacy": 4, "capturedDate": "2024-09-29", "summary": "Architecture spike velocity (2024 prototype)" } ] }, { "id": "H31", "text": "An AFSL / ACL is not required under the partner lending model", "domain": "Risk & Investment Readiness", "gate": "V10", "impact": "High", "material": true, "testability": 4, "dependentModels": [ "Capital", "Capability" ], "evidence": [ { "direction": "Neutral", "reliability": 2, "relevance": 3, "sampleAdequacy": 1, "capturedDate": "2026-09-21", "summary": "Regulatory counsel engaged; opinion due in 3 weeks" } ], "openExperiments": [ { "name": "Regulatory counsel opinion on partner lending model", "method": "Expert / legal opinion", "cost": 15000, "days": 21 } ] }, { "id": "H32", "text": "A $4M seed round is raisable on current traction", "domain": "Risk & Investment Readiness", "gate": "V10", "impact": "High", "material": true, "testability": 3, "dependentModels": [ "Capital" ], "evidence": [ { "direction": "Supports", "reliability": 2, "relevance": 3, "sampleAdequacy": 2, "capturedDate": "2026-04-24", "summary": "Two angels indicate seed participation if pilot metrics hold" } ], "openExperiments": [ { "name": "Investor pre-pitch soundings (10 funds)", "method": "Investor interviews", "cost": 2000, "days": 30 } ] }, { "id": "H33", "text": "No single buyer exceeds 10% of the financed book", "domain": "Risk & Investment Readiness", "gate": "V10", "impact": "Medium", "material": true, "testability": 4, "dependentModels": [ "Commercial" ], "evidence": [ { "direction": "Supports", "reliability": 3, "relevance": 4, "sampleAdequacy": 3, "capturedDate": "2026-07-17", "summary": "Largest buyer 7.8% of pilot book" }, { "direction": "Supports", "reliability": 2, "relevance": 4, "sampleAdequacy": 3, "capturedDate": "2026-07-08", "summary": "Exposure limits modelled at 8% per buyer" } ] } ], "blockers": [ { "gate": "V10", "text": "Licensing required for the partner lending model" } ], "financials": { "ltvCac": null, "runwayMonths": 8, "grossMargin": null } } } } }, "responses": { "200": { "description": "Result with provenance", "content": { "application/json": { "schema": { "$ref": "#/components/schemas/RunResult" } } } }, "401": { "description": "Error", "content": { "application/json": { "schema": { "$ref": "#/components/schemas/Error" } } } }, "402": { "description": "Error", "content": { "application/json": { "schema": { "$ref": "#/components/schemas/Error" } } } }, "422": { "description": "Error", "content": { "application/json": { "schema": { "$ref": "#/components/schemas/Error" } } } }, "429": { "description": "Error", "content": { "application/json": { "schema": { "$ref": "#/components/schemas/Error" } } } } } } }, "/api/v1/engines/ai-business-case": { "get": { "operationId": "get_ai_business_case", "summary": "AI Business Case Engine: schema, sample and method", "responses": { "200": { "description": "Engine spec" } } } }, "/api/v1/engines/ai-business-case/run": { "post": { "operationId": "run_ai_business_case", "summary": "Run AI Business Case Engine (10 credits)", "description": "Decides which AI initiatives have earned funding: evidence-adjusted benefit, a 12-month token, inference and licence spend forecast as P10/P50/P90, adjusted ROI, six red flags and a Fund / Pilot / Stop decision per initiative.", "security": [ { "bearer": [] } ], "requestBody": { "required": true, "content": { "application/json": { "schema": { "type": "object", "required": [ "initiatives" ], "properties": { "currency": { "type": "string" }, "aiBudgetMonthly": { "type": "number", "minimum": 0 }, "evidenceWeight": { "type": "number", "minimum": 0.1, "maximum": 1 }, "runs": { "type": "integer", "minimum": 200, "maximum": 5000 }, "seed": { "type": "integer" }, "modelPricing": { "type": "object", "description": "Tier name -> [input $/M tokens, output $/M tokens]" }, "initiatives": { "type": "array", "minItems": 1, "maxItems": 50, "items": { "type": "object", "required": [ "id", "name", "modelType", "claimedAnnualBenefit", "baselineMeasured", "benefitMetric", "claims" ], "properties": { "id": { "type": "string" }, "name": { "type": "string" }, "owner": { "type": "string" }, "stage": { "type": "string" }, "modelType": { "type": "string", "enum": [ "LLM API", "SaaS copilot", "Classic ML" ] }, "modelTier": { "type": "string" }, "claimedAnnualBenefit": { "type": "number", "minimum": 0 }, "baselineMeasured": { "type": "boolean" }, "benefitMetric": { "type": "string" }, "monthlyRequests": { "type": "number", "minimum": 0 }, "inputTokensPerRequest": { "type": "number", "minimum": 0 }, "outputTokensPerRequest": { "type": "number", "minimum": 0 }, "seats": { "type": "number", "minimum": 0 }, "seatPrice": { "type": "number", "minimum": 0 }, "platformMonthly": { "type": "number", "minimum": 0 }, "peopleAnnual": { "type": "number", "minimum": 0 }, "oneOffBuild": { "type": "number", "minimum": 0 }, "monthsToFullAdoption": { "type": "number", "minimum": 1, "maximum": 36 }, "claims": { "type": "array", "minItems": 1, "items": { "type": "object", "required": [ "text", "benefitShare", "evidence" ], "properties": { "id": { "type": "string" }, "text": { "type": "string" }, "benefitShare": { "type": "number", "minimum": 0, "maximum": 1 }, "evidence": { "type": "array", "items": { "type": "object", "required": [ "type", "direction" ], "properties": { "type": { "type": "string", "enum": [ "Vendor claim", "Demo", "Staff survey", "Expert estimate", "Pilot telemetry", "Backtest", "A/B test", "Production data" ] }, "direction": { "type": "string", "enum": [ "Supports", "Contradicts", "Neutral" ] }, "summary": { "type": "string" } } } } } } } } } } } }, "example": { "currency": "USD", "aiBudgetMonthly": 120000, "evidenceWeight": 0.75, "initiatives": [ { "id": "AI01", "name": "Customer service assistant", "owner": "Head of Customer Care", "stage": "Pilot", "modelType": "LLM API", "modelTier": "Mid-tier LLM API", "claimedAnnualBenefit": 1800000, "baselineMeasured": true, "benefitMetric": "Contacts resolved without an agent", "monthlyRequests": 900000, "inputTokensPerRequest": 24000, "outputTokensPerRequest": 2500, "seats": 0, "seatPrice": 0, "platformMonthly": 9000, "peopleAnnual": 240000, "oneOffBuild": 380000, "monthsToFullAdoption": 6, "claims": [ { "id": "C01", "text": "Assistant resolves 35% of contacts without an agent", "benefitShare": 0.7, "evidence": [ { "type": "Pilot telemetry", "direction": "Supports", "summary": "6-week pilot: 22% containment on all intents, 31% on the top 20" }, { "type": "Vendor claim", "direction": "Supports", "summary": "Vendor case study quotes 40% containment" } ] }, { "id": "C02", "text": "Customer satisfaction does not fall", "benefitShare": 0.3, "evidence": [ { "type": "Pilot telemetry", "direction": "Supports", "summary": "Post-chat CSAT 4.2 vs 4.3 for agents" } ] } ] }, { "id": "AI02", "name": "Product description generator", "owner": "Director of E-commerce", "stage": "Scaling", "modelType": "LLM API", "modelTier": "Small LLM API", "claimedAnnualBenefit": 420000, "baselineMeasured": true, "benefitMetric": "Conversion on new product pages", "monthlyRequests": 60000, "inputTokensPerRequest": 1500, "outputTokensPerRequest": 600, "seats": 0, "seatPrice": 0, "platformMonthly": 1500, "peopleAnnual": 60000, "oneOffBuild": 70000, "monthsToFullAdoption": 2, "claims": [ { "id": "C03", "text": "Generated descriptions lift conversion by 2%", "benefitShare": 0.8, "evidence": [ { "type": "A/B test", "direction": "Supports", "summary": "A/B test, 2 categories: +2.4% conversion, significant" } ] }, { "id": "C04", "text": "Copywriter time per product falls by 70%", "benefitShare": 0.2, "evidence": [ { "type": "Production data", "direction": "Supports", "summary": "Copywriter time per SKU down from 25 to 7 minutes" } ] } ] }, { "id": "AI03", "name": "Demand forecasting", "owner": "VP Supply Chain", "stage": "Pilot", "modelType": "Classic ML", "claimedAnnualBenefit": 2400000, "baselineMeasured": true, "benefitMetric": "Inventory carrying cost", "monthlyRequests": 0, "inputTokensPerRequest": 0, "outputTokensPerRequest": 0, "seats": 0, "seatPrice": 0, "platformMonthly": 14000, "peopleAnnual": 320000, "oneOffBuild": 450000, "monthsToFullAdoption": 4, "claims": [ { "id": "C05", "text": "Forecast error falls by 20% against the current planner", "benefitShare": 0.6, "evidence": [ { "type": "Backtest", "direction": "Supports", "summary": "Backtest on 2 years of data: error down 18%" } ] }, { "id": "C06", "text": "Lower error converts into 8% less safety stock", "benefitShare": 0.4, "evidence": [ { "type": "Expert estimate", "direction": "Supports", "summary": "Planning lead estimates 5 to 10% safety-stock reduction" } ] } ] }, { "id": "AI04", "name": "Copilot licences for all office staff", "stage": "Idea", "modelType": "SaaS copilot", "claimedAnnualBenefit": 3100000, "baselineMeasured": false, "benefitMetric": "Productivity (unspecified)", "monthlyRequests": 0, "inputTokensPerRequest": 0, "outputTokensPerRequest": 0, "seats": 1200, "seatPrice": 30, "platformMonthly": 0, "peopleAnnual": 90000, "oneOffBuild": 50000, "monthsToFullAdoption": 2, "claims": [ { "id": "C07", "text": "Each office worker saves 4 hours a week", "benefitShare": 0.8, "evidence": [ { "type": "Vendor claim", "direction": "Supports", "summary": "Vendor study: 4 hours saved per user per week" }, { "type": "Staff survey", "direction": "Supports", "summary": "Survey of 40 trial users: 'feels faster'" } ] }, { "id": "C08", "text": "Saved time is redeployed to valuable work", "benefitShare": 0.2, "evidence": [ { "type": "Vendor claim", "direction": "Supports", "summary": "Vendor ROI calculator" } ] } ] }, { "id": "AI05", "name": "Payment fraud detection", "owner": "CFO", "stage": "Live", "modelType": "Classic ML", "claimedAnnualBenefit": 900000, "baselineMeasured": true, "benefitMetric": "Chargeback losses", "monthlyRequests": 0, "inputTokensPerRequest": 0, "outputTokensPerRequest": 0, "seats": 0, "seatPrice": 0, "platformMonthly": 6000, "peopleAnnual": 150000, "oneOffBuild": 0, "monthsToFullAdoption": 1, "claims": [ { "id": "C09", "text": "Model blocks 40% more fraud at the same false-positive rate", "benefitShare": 1, "evidence": [ { "type": "Production data", "direction": "Supports", "summary": "12 months live: chargebacks down 38%" }, { "type": "A/B test", "direction": "Supports", "summary": "Champion/challenger test confirmed the lift" } ] } ] }, { "id": "AI06", "name": "Personalised recommendations", "owner": "Director of E-commerce", "stage": "Pilot", "modelType": "LLM API", "modelTier": "Small LLM API", "claimedAnnualBenefit": 1500000, "baselineMeasured": true, "benefitMetric": "Average order value", "monthlyRequests": 2500000, "inputTokensPerRequest": 900, "outputTokensPerRequest": 120, "seats": 0, "seatPrice": 0, "platformMonthly": 7000, "peopleAnnual": 180000, "oneOffBuild": 260000, "monthsToFullAdoption": 5, "claims": [ { "id": "C10", "text": "Recommendations lift average order value by 3%", "benefitShare": 0.75, "evidence": [ { "type": "A/B test", "direction": "Supports", "summary": "A/B test: +2.1% average order value" } ] }, { "id": "C11", "text": "Recommendations do not cannibalise margin", "benefitShare": 0.25, "evidence": [ { "type": "Pilot telemetry", "direction": "Contradicts", "summary": "Pilot shows a shift toward discounted items" } ] } ] }, { "id": "AI07", "name": "AI code assistant for engineering", "owner": "CIO", "stage": "Pilot", "modelType": "SaaS copilot", "claimedAnnualBenefit": 650000, "baselineMeasured": true, "benefitMetric": "Delivery throughput (story points)", "monthlyRequests": 0, "inputTokensPerRequest": 0, "outputTokensPerRequest": 0, "seats": 90, "seatPrice": 39, "platformMonthly": 0, "peopleAnnual": 20000, "oneOffBuild": 15000, "monthsToFullAdoption": 1, "claims": [ { "id": "C12", "text": "Engineers ship 15% more work", "benefitShare": 0.7, "evidence": [ { "type": "Pilot telemetry", "direction": "Supports", "summary": "Pull requests per engineer up 11% in pilot squads" } ] }, { "id": "C13", "text": "Code quality does not fall", "benefitShare": 0.3, "evidence": [ { "type": "Pilot telemetry", "direction": "Contradicts", "summary": "Defect escape rate up 9% in pilot squads" } ] } ] }, { "id": "AI08", "name": "Store operations voice assistant", "stage": "Idea", "modelType": "LLM API", "modelTier": "Frontier LLM API", "claimedAnnualBenefit": 800000, "baselineMeasured": false, "benefitMetric": "Productivity (unspecified)", "monthlyRequests": 400000, "inputTokensPerRequest": 9000, "outputTokensPerRequest": 1500, "seats": 0, "seatPrice": 0, "platformMonthly": 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