Altius Capital OS Specification

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Altius Capital OS Specification

Make capital decisions computable.

Specification Overview

Altius Capital OS is a modular, jurisdiction-aware financial computation system designed to transform capital custody, taxation, regulatory requirements, liquidity requirements, risk parameters, and user-defined financial objectives into structured, deterministic, auditable decision models.

The system is designed around the principle that capital decisions should be computable. Financial rules are represented as structured, versioned data rather than embedded exclusively within prompts or AI models. The system combines deterministic financial computation with regulatory intelligence, constraint enforcement, simulation, optimization, scenario management, and an AI explanation layer.

Altius Capital OS is designed to support self-hosted, vendor-independent deployment and extensibility through optional plugin modules. The core system provides the foundational computation and regulatory architecture, while optional plugins can introduce additional jurisdictions, financial instruments, regulatory sources, optimization methods, data providers, and AI providers.

Core Design Principles

Rules are data, not prompts
Capital decisions are computational outputs
Regulatory sources are authoritative inputs
Jurisdictions are modular
Financial instruments are modular
Constraints are executable
Calculations are deterministic where possible
Regulatory rules are versioned
Effective dates are preserved
Historical rules remain available for reproducibility
Every material output is auditable
Every strategy can be simulated
Every scenario can be versioned
AI is an explanation and interaction layer, not the source of regulatory authority
User-defined constraints take precedence over optimization preferences
System rules cannot be silently overridden by the AI layer
The system is designed for privacy-conscious and self-hosted operation
Core functionality remains independent of any specific financial institution, AI provider, or data vendor

Core Modules

Capital Computation Module

The Capital Computation Module provides the foundational computational layer for modeling capital.

Features include:

Capital input processing
Principal modeling
Capital allocation
Capital preservation analysis
Cash flow modeling
Income generation modeling
Compound growth calculations
Multi-period calculations
Capital deployment modeling
Reserve modeling
Reinvestment modeling
Distribution modeling
Withdrawal modeling
Deterministic calculation processing
Calculation precision controls
Calculation metadata
Calculation versioning

The module must accept structured financial inputs and produce structured computational outputs that can be consumed by the other core modules.

Custody Architecture Module

The Custody Architecture Module models how capital can be distributed across different custody structures.

Features include:

Bank custody modeling
FDIC-insured deposit modeling
Multi-bank distribution
Deposit concentration analysis
Ownership category modeling
Individual ownership structures
Joint ownership structures
Trust ownership structures
Entity ownership structures
Deposit exposure calculations
Insured exposure calculations
Uninsured exposure calculations
Custodian concentration analysis
Custody diversification
Bank failure scenarios
Custody-layer comparison
Custody strategy generation

The module must distinguish between insurance coverage, government-backed securities, brokerage protections, and uninsured exposures.

FDIC Insurance Module

The FDIC Insurance Module models applicable deposit insurance rules.

Features include:

Insurance limit modeling
Per-depositor analysis
Per-bank analysis
Ownership category analysis
Coverage calculation
Coverage gap identification
Multi-bank coverage modeling
Deposit category analysis
Coverage scenario simulation
Historical insurance rule versions
Effective-date-aware insurance rules
Source provenance
Insurance constraint integration

The module must not represent FDIC insurance as applicable to financial products that do not qualify for FDIC deposit insurance.

Treasury Instrument Module

The Treasury Instrument Module models U.S. Treasury securities and related capital structures.

Features include:

Treasury bill modeling
Treasury note modeling
Treasury bond modeling
Maturity modeling
Coupon modeling
Yield modeling
Duration analysis
Reinvestment modeling
Treasury ladder construction
Treasury income modeling
Federal tax treatment integration
State tax treatment integration
Liquidity modeling
Maturity matching
Treasury allocation constraints
Historical Treasury rule and rate data support

Brokerage Custody Module

The Brokerage Custody Module models brokerage-based custody structures.

Features include:

Brokerage account modeling
Brokered CD modeling
Multi-bank brokered CD allocation
Brokerage sweep modeling
Deposit sweep analysis
Pass-through insurance modeling
Brokerage concentration analysis
Custodian diversification
Maturity laddering
Brokerage protection classification
Custody risk analysis
Brokerage scenario modeling

The module must distinguish brokerage protections from FDIC deposit insurance and must not treat the two systems as interchangeable.

Financial Instrument Module

The Financial Instrument Module provides a standardized interface for supported financial instruments.

Supported instrument categories may include:

Savings accounts
Money market deposit accounts
Certificates of deposit
Brokered certificates of deposit
Treasury bills
Treasury notes
Treasury bonds
Government securities
Other supported cash and fixed-income instruments

Each instrument definition may contain:

Instrument type
Issuer
Custodian
Yield
Maturity
Liquidity characteristics
Tax characteristics
Insurance characteristics
Custody characteristics
Risk characteristics
Regulatory classifications
Source data
Effective dates
Historical versions

Federal Tax Module

The Federal Tax Module provides U.S. federal tax computation and rule integration.

Features include:

IRS rule ingestion
Federal income tax modeling
Interest income treatment
Dividend income treatment
Capital gains treatment
Income classification
Tax bracket modeling
Deduction modeling
Credit modeling
Reporting threshold modeling
Tax-year modeling
Effective-date tracking
Historical tax-rule reconstruction
Federal tax scenario analysis
Tax impact calculations
Tax drag calculations
Tax-equivalent yield calculations

The module must maintain versioned federal tax rules and preserve source provenance for rules used in calculations.

State Tax Code Module

The State Tax Code Module provides modular state-level tax modeling.

Features include:

State tax jurisdiction registry
State income tax modeling
State tax brackets
State deductions
State credits
State exemptions
State income classifications
Interest income treatment
Treasury income treatment
Capital gains treatment
Federal conformity analysis
Partial conformity analysis
Nonconformity analysis
State filing thresholds
State tax-year versioning
State effective-date tracking
Historical state tax rules
State tax scenario modeling
State tax drag calculations

The architecture must support all U.S. states and applicable U.S. jurisdictions without requiring changes to the core computation engine.

Jurisdiction Module

The Jurisdiction Module coordinates federal and state rules.

Features include:

Jurisdiction identification
Federal jurisdiction profiles
State jurisdiction profiles
Multi-state modeling
Residency modeling
Part-year residency modeling
Tax domicile modeling
Jurisdiction transitions
Jurisdiction comparison
Jurisdiction-specific rule resolution
Historical jurisdiction states
Effective-date-aware jurisdiction processing

The module must allow additional jurisdictions to be added without modifying core financial computation logic.

Regulatory Intelligence Module

The Regulatory Intelligence Module manages regulatory information and converts authoritative source material into structured rules.

Features include:

Regulatory source registration
Official-source prioritization
Regulatory document ingestion
Regulatory document parsing
Rule extraction
Rule normalization
Rule classification
Rule validation
Rule versioning
Change detection
Regulatory diff analysis
Effective-date management
Publication-date tracking
Future-rule tracking
Superseded-rule tracking
Historical rule retention
Regulatory source verification
Source provenance
Regulatory change alerts

Supported U.S. regulatory sources may include:

Internal Revenue Service
U.S. Treasury
Federal Deposit Insurance Corporation
Federal Register
State departments of revenue
State tax authorities
State legislative sources

The system must prioritize authoritative sources and must preserve the source used to establish or update each rule.

Rule Graph Module

The Rule Graph Module connects financial rules into a structured dependency graph.

Features include:

Federal rule nodes
State rule nodes
Tax rule nodes
FDIC rule nodes
Treasury rule nodes
Brokerage rule nodes
Instrument rule nodes
Ownership rule nodes
Jurisdiction relationships
Rule dependencies
Rule precedence
Rule conflicts
Rule resolution
Rule lineage
Rule provenance
Rule snapshots
Effective-date resolution
Historical rule resolution

The Rule Graph must function as the authoritative computational rule layer. The AI layer must not independently override or replace resolved rules.

Rule Resolution Module

The Rule Resolution Module determines which rules apply to a specific calculation.

Features include:

Jurisdiction-aware resolution
Tax-year resolution
Effective-date resolution
Instrument-specific resolution
Ownership-specific resolution
Regulatory authority ranking
Rule precedence
Conflict identification
Conflict resolution
Historical rule selection
Future rule selection
Rule dependency resolution
Resolution logging

Every resolved rule set must be identifiable by a version or snapshot reference.

Effective Date Module

The Effective Date Module manages time-dependent financial and regulatory rules.

Features include:

Publication dates
Effective dates
Expiration dates
Tax-year applicability
Future effective rules
Historical rules
Transition rules
Overlapping rules
Rule activation
Rule deactivation
Date-specific calculations
Historical scenario reconstruction

Yield Computation Module

The Yield Computation Module calculates and compares financial returns.

Features include:

Gross yield
Net yield
Federal tax drag
State tax drag
Combined tax drag
Inflation adjustment
Real yield
Effective annual yield
Compound yield
Yield-to-maturity modeling
Reinvestment assumptions
Tax-equivalent yield
Instrument yield comparison
Strategy yield comparison

Liquidity Module

The Liquidity Module models accessibility of capital over time.

Features include:

Immediate liquidity
Short-term liquidity
Medium-term liquidity
Long-term allocation
Custom liquidity periods
0 to 3 month modeling
3 to 12 month modeling
1 to 5 year modeling
Withdrawal requirements
Liquidity reserves
Maturity matching
Cash flow matching
Liquidity stress testing
Liquidity scoring
Liquidity constraints

Risk Module

The Risk Module models risks associated with proposed capital structures.

Features include:

Custody risk
Concentration risk
Liquidity risk
Interest-rate risk
Duration risk
Reinvestment risk
Tax-policy risk
Regulatory-change risk
Counterparty exposure
Uninsured exposure
Scenario-specific risk
Risk scoring
Risk comparison
Risk constraint integration

The system must clearly distinguish modeled risk from guaranteed outcomes.

Constraint Builder Module

The Constraint Builder Module converts user-defined financial requirements into executable rules.

Features include:

Constraint creation
Constraint editing
Constraint validation
Hard constraints
Soft constraints
Weighted preferences
Dollar-based constraints
Percentage-based constraints
Time-based constraints
Jurisdiction-specific constraints
Instrument-specific constraints
Ownership-specific constraints
Conditional constraints
Compound constraints
Constraint priorities
Constraint conflicts
Constraint violation reporting
Constraint satisfaction analysis

Examples of supported constraint concepts include:

Maximum exposure to a single bank
Minimum insured capital
Minimum Treasury allocation
Maximum duration
Minimum liquidity reserve
Maximum tax exposure
Maximum concentration
Minimum diversification
Custom user-defined requirements

Constraint DSL Module

The Constraint DSL Module provides a machine-readable and human-readable representation of financial constraints.

Features include:

Financial comparison operators
Percentage conditions
Dollar conditions
Time conditions
Instrument conditions
Jurisdiction conditions
Ownership conditions
Compound conditions
Conditional logic
Constraint weighting
Constraint priority
Constraint validation
DSL parsing
DSL compilation
DSL execution
DSL error reporting

The DSL must translate user requirements into validated constraints without allowing natural-language ambiguity to silently alter a financial rule.

Optimization Module

The Optimization Module searches for capital structures that satisfy defined objectives and constraints.

Features include:

Yield optimization
After-tax yield optimization
Risk minimization
Liquidity optimization
Custody diversification
Constraint-aware allocation
Multi-objective optimization
User-defined optimization priorities
Strategy ranking
Alternative strategy generation
Sensitivity analysis
Optimization feasibility testing
Constraint-aware portfolio construction

The optimization engine must reject or clearly identify strategies that violate hard constraints.

Strategy Module

The Strategy Module provides reusable capital allocation patterns.

Features include:

Safety-first strategies
Liquidity-first strategies
Yield-focused strategies
Tax-aware strategies
Treasury-heavy strategies
FDIC custody ladders
CD ladders
Hybrid custody structures
Custom strategies
Strategy templates
Strategy scoring
Strategy comparison
Strategy versioning
Strategy simulation

Simulation Module

The Simulation Module evaluates capital structures under changing conditions.

Features include:

Bank failure scenarios
Multiple bank failure scenarios
Interest-rate increases
Interest-rate decreases
Inflation changes
Liquidity shocks
Unexpected withdrawals
Tax-law changes
State relocation
Residency changes
Yield changes
Reinvestment changes
Custody changes
Regulatory changes
Multi-variable stress scenarios
Multi-year simulations
Historical simulations
Forward-looking simulations based on user-defined assumptions

Scenario Memory Module

The Scenario Memory Module provides persistent management of capital strategies and simulations.

Features include:

Scenario creation
Scenario storage
Scenario retrieval
Scenario cloning
Scenario renaming
Scenario archiving
Scenario versioning
Scenario comparison
Scenario replay
Scenario recalculation
Historical-rule recalculation
Current-rule recalculation
Change tracking
Constraint tracking
Assumption tracking
Rule snapshot tracking
Scenario tagging
Scenario search
Scenario history

Each scenario must preserve the inputs, assumptions, constraints, rule snapshot, and calculation context required for reproducibility.

Audit Module

The Audit Module records the computational history of system outputs.

Features include:

Decision trace
Rule provenance
Rule-version recording
Source recording
Constraint evaluation logs
Calculation trace
Allocation trace
Assumption tracking
Input tracking
Output tracking
Scenario fingerprints
Reproducibility hashes
Audit reports
Historical audit records
Calculation verification

Explainability Module

The Explainability Module translates deterministic system outputs into understandable explanations.

Features include:

Allocation explanations
Rule explanations
Constraint explanations
Tax explanations
Yield explanations
Risk explanations
Liquidity explanations
Strategy comparisons
Scenario explanations
Regulatory change explanations
Calculation summaries
Source references
Assumption disclosure

The explanation layer must reflect the underlying computation and must not create unsupported financial, tax, legal, or regulatory conclusions.

AI Interaction Module

The AI Interaction Module provides natural-language interaction with the system.

Features include:

Natural-language financial queries
Natural-language scenario creation
Natural-language constraint creation
Rule-grounded explanations
Strategy comparison
Scenario interpretation
Calculation explanations
Regulatory summaries
User-intent translation
Structured output generation
Retrieval-grounded responses
Citation-aware responses
Confidence indicators
Unsupported-claim detection
Rule-source grounding

The AI must operate as an interface and explanation layer. It must not become the authoritative source for financial rules.

Regulatory Monitoring Module

The Regulatory Monitoring Module monitors supported regulatory sources for changes.

Features include:

Scheduled source checks
Source health monitoring
Regulatory change detection
Tax rule change detection
State tax change detection
FDIC rule change detection
Treasury change detection
New rule detection
Modified rule detection
Superseded rule detection
Effective-date alerts
Pending-rule alerts
Change summaries
Rule graph update notifications

Rebalancing Module

The Rebalancing Module evaluates existing strategies against current rules and conditions.

Features include:

Rule-change rebalancing
Yield-change rebalancing
Tax-change rebalancing
Liquidity-based rebalancing
Concentration-based rebalancing
Insurance-coverage rebalancing
Constraint-based rebalancing
Rebalancing recommendations
Before-and-after comparison
Rebalancing simulation
User approval workflows

The system must not automatically execute financial transactions.

Reporting Module

The Reporting Module produces structured financial analysis.

Features include:

Capital allocation reports
Custody reports
Insurance coverage reports
Tax impact reports
After-tax yield reports
Liquidity reports
Risk reports
Scenario reports
Regulatory change reports
Audit reports
Strategy comparison reports
Historical comparison reports
Rule provenance reports
Constraint compliance reports

API Module

The API Module provides programmatic access to system capabilities.

Supported interfaces may include:

Capital input
Rule resolution
Tax calculation
Custody analysis
Yield calculation
Constraint management
Simulation
Optimization
Scenario management
Audit retrieval
Explanation generation
Regulatory ingestion
Reporting

API responses must provide structured outputs and sufficient metadata to identify applicable rules, versions, assumptions, and calculation contexts.

Security and Privacy Module

The Security and Privacy Module protects financial scenario data and system configuration.

Features include:

Local-first deployment
Self-hosted operation
Encryption support
Access controls
Role-based permissions
Scenario access controls
Audit log protection
Sensitive data minimization
Configurable data retention
Secure API authentication
Secure module execution
Configuration protection

Reproducibility Module

The Reproducibility Module ensures that historical calculations can be reconstructed.

Features include:

Versioned calculations
Versioned regulatory rules
Versioned tax codes
Versioned scenarios
Versioned constraints
Versioned assumptions
Historical replay
Deterministic computation
Calculation fingerprints
Reproducible reports
Rule snapshot preservation
Source snapshot references

Data Validation Module

The Data Validation Module validates financial and regulatory inputs before they enter computational processes.

Features include:

Input validation
Type validation
Range validation
Currency validation
Date validation
Jurisdiction validation
Instrument validation
Ownership validation
Regulatory source validation
Rule schema validation
Constraint validation
Missing-data detection
Conflicting-data detection
Invalid-data reporting

Data Provenance Module

The Data Provenance Module tracks the origin and lifecycle of data used by the system.

Features include:

Source identification
Source authority classification
Source timestamps
Source versioning
Rule provenance
Financial data provenance
Calculation provenance
Transformation history
Data lineage
Provenance reporting

Optional Plugin Modules

Optional plugins extend Altius Capital OS without changing the core architecture.

Additional Jurisdiction Plugins

Optional jurisdiction modules may provide:

Additional U.S. jurisdictions
International tax systems
Provincial tax systems
Country-specific regulatory systems
Residency systems
Cross-border taxation
International financial regulations

Additional Financial Instrument Plugins

Optional instrument modules may support:

Municipal securities
Corporate bonds
Government securities outside the U.S.
Insurance products
Annuity products
Additional cash-equivalent instruments
Additional fixed-income instruments
User-defined instruments

Each optional instrument plugin must define its applicable tax, risk, liquidity, custody, regulatory, and yield characteristics.

Advanced Optimization Plugins

Optional optimization plugins may provide:

Linear programming
Integer optimization
Multi-objective optimization
Stochastic optimization
Monte Carlo optimization
Constraint programming
Genetic algorithms
Custom optimization algorithms

Advanced Simulation Plugins

Optional simulation plugins may provide:

Monte Carlo simulation
Probabilistic stress testing
Macroeconomic scenarios
Yield curve scenarios
Inflation scenarios
Banking-system stress scenarios
Custom scenario generators

Macro-Economic Plugin

An optional Macro-Economic Plugin may provide:

Federal funds rate data
Treasury yield curve data
Inflation data
CPI data
Banking stress indicators
Economic growth indicators
Macroeconomic scenarios
Historical macroeconomic datasets

Market Data Plugins

Optional market data plugins may provide:

Current yields
Historical yields
Treasury rates
CD rates
Deposit rates
Market benchmarks
Financial instrument pricing
Historical market datasets

Market data must remain separate from authoritative regulatory rules.

Regulatory Source Plugins

Optional regulatory source plugins may support:

Additional government agencies
State legislative sources
International regulators
Specialized regulatory authorities
Industry-specific regulatory sources

Each source plugin must identify its authority, provenance, publication date, and applicable jurisdiction.

AI Provider Plugins

Optional AI provider plugins may support:

Local language models
Self-hosted models
Cloud AI providers
Specialized financial language models
Retrieval-augmented generation systems
Custom inference engines

AI providers must not be permitted to silently replace the Rule Graph or deterministic computation engines.

Identity and Ownership Plugins

Optional ownership plugins may expand:

Individual ownership
Joint ownership
Trust ownership
Business entities
Estate structures
Beneficiary structures
Multi-entity capital relationships

Notification Plugins

Optional notification plugins may provide:

Email notifications
Local notifications
Web notifications
Regulatory alerts
Scenario alerts
Liquidity alerts
Maturity alerts
Constraint violation alerts

Integration Plugins

Optional integration plugins may connect Altius Capital OS with external systems for data import, reporting, or analysis.

External integrations must not receive authority to modify validated regulatory rules without explicit validation and versioning.

System Integrity Requirements

All core modules must maintain separation between:

Regulatory rules
Financial data
User assumptions
User constraints
Computational logic
AI-generated explanations
External market data
Historical scenarios

No module may silently modify another module’s authoritative data.

Financial rules must be versioned.

Regulatory rules must retain source provenance.

Calculations must retain the rule snapshot used to produce the result.

Scenarios must retain the assumptions and constraints used to produce the result.

Hard constraints must be enforced independently of the AI layer.

AI-generated explanations must remain subordinate to validated computational results.

Historical calculations must be reproducible whenever the required rule, data, and scenario versions remain available.

AI Safety and Authority Boundaries

Altius Capital OS is a computational and analytical system.

The AI layer must:

Explain system calculations
Explain applicable rules
Translate user intent into structured inputs
Help construct scenarios
Help construct constraints
Compare system-generated strategies
Identify missing information
Identify potential conflicts
Identify uncertainty

The AI layer must not:

Invent regulatory requirements
Override validated rules
Modify hard constraints without authorization
Represent assumptions as facts
Represent simulations as guarantees
Represent modeled outcomes as guaranteed returns
Claim FDIC, Treasury, brokerage, tax, or regulatory protection when the applicable rule has not been established
Execute transactions
Take custody of funds

Financial Decision Boundary

Altius Capital OS is designed to model financial structures and make capital decisions computable. It does not itself provide guarantees of investment performance, insurance coverage, tax outcomes, legal outcomes, or financial institution solvency.

Users remain responsible for validating financial decisions against current authoritative requirements and obtaining professional advice where appropriate.

Open and Extensible Design

Altius Capital OS is designed as an open, modular financial computation framework.

The architecture must allow developers to add:

New jurisdictions
New tax systems
New financial instruments
New regulatory sources
New optimization algorithms
New simulation methods
New AI providers
New data providers
New reporting systems
New constraint types
New scenario models

Extensions must preserve the core principles of modularity, versioning, provenance, auditability, reproducibility, and separation of authority.

Specification Branding License (SBL)

Standard

Fully AGPL-3.0+ compliant system
Copyleft enforced for network deployments
Required attribution:
- Roxanne Ardary
- https://www.roxanneardary.com/

Optional

Specification Branding License (SBL)
- Attribution-free commercial deployment
- Pricing based on scale, usage, and deployment scope
- https://roxanneardary.com/altius-capital-os/

License & Notice Requirements

Altius Capital OS is released under the GNU Affero General Public License v3.0 or later (AGPL-3.0+).

By contributing to this project, you agree that your contributions will also be released under this license.

Please note the following:

All contributions must comply with the AGPL-3.0+ terms.
Under Section 7 of the license, all redistributions, forks, and derivative works must preserve attribution to: Roxanne Ardary and roxanneardary.com.
Altius Capital OS specifications are free to use with attribution. A Specification Branding License can be negotiated upon request.
The project’s notice.md file tracks attribution requirements and contributor acknowledgments.
Any update that adds new contributors or modifies attribution should also update notice.md.
When submitting a pull request, ensure that any new files maintain the attribution headers where applicable.
Network-deployed versions of this software must also remain fully AGPL-3.0+ compliant, including exposure of source code modifications when applicable under the license.

For full legal details, please refer to the AGPL-3.0+ license and the project’s notice.md file.

Notice – Altius Capital OS

Attribution Requirement: Under Section 7 of the AGPL 3.0+ license, all redistributions, forks, and derivative works, including network-deployed versions of this project, must provide attribution to Roxanne Ardary and roxanneardary.com.

Contributors

This file tracks contributors and their specific contributions to the project.

Roxanne Ardary, roxanneardary.com – May 22, 2026
Created the repository for Altius Capital OS. Designed the modular rule-graph architecture for jurisdiction-aware capital custody, tax modeling, and constraint-based financial decision computation.
[Add other contributors here] – [Date]
[Describe contribution in one sentence]

License – Altius Capital OS

This repository is licensed under the GNU Affero General Public License v3.0 or later (AGPL-3.0+).

Key Points

You are free to use, modify, and distribute the code.
All redistributions, forks, and derivative works or network-deployed versions must also be licensed under AGPL-3.0+ and provide attribution to Roxanne Ardary and roxanneardary.com as required under Section 7 of the license.
The software is provided “as is,” without warranty of any kind.

For the full license text, see GNU AGPL-3.0 License: https://www.gnu.org/licenses/agpl-3.0.html