Open Arsenal

Make capital decisions computable.

Altius Capital OS is a modular financial operating system designed to make capital structure design deterministic, transparent, and rule-compliant. Instead of treating financial planning as subjective advice, it models capital as a structured system governed by explicit rules across federal, state, and institutional layers. The platform translates complex regulatory environments—such as IRS tax codes, state-specific tax systems, FDIC insurance limits, and Treasury instruments—into a unified computational framework.

At its core, Altius Capital OS uses a rule-graph architecture that connects all financial logic into a versioned, auditable system. This allows every output to be traced back to specific regulatory sources and rule versions. The system includes a constraint builder that lets users define enforceable financial boundaries, such as exposure limits, liquidity requirements, and tax thresholds. These constraints are then enforced throughout allocation, optimization, and simulation processes.

The platform also includes a custody and yield modeling layer that simulates how capital is distributed across FDIC-insured banks, brokered CDs, and U.S. Treasury instruments. It calculates after-tax yield by incorporating both federal and state tax impacts, producing a realistic net return rather than simplified gross estimates. A liquidity ladder system further structures capital across time horizons to balance accessibility and yield efficiency.

In addition, Altius Capital OS features a simulation engine that stress-tests portfolios against scenarios such as bank failures, interest rate shifts, and tax policy changes. A scenario memory system allows users to save, compare, and evolve financial strategies over time, making capital planning iterative and persistent. An audit and explainability layer ensures that every decision is fully traceable, reproducible, and compliant with the underlying rule graph.

Overall, Altius Capital OS functions as a financial computation environment where capital decisions are no longer static recommendations, but structured, verifiable outcomes derived from regulatory logic and user-defined constraints.