Deterministic Financing specifications define financial systems through explicit rules, formulas, constraints, and repeatable processes. Instead of relying on discretionary calculations or opaque financial models, these specifications establish how financing terms, repayment obligations, capital allocation, affordability, debt management, and settlement outcomes are determined. Given the same inputs and governing rules, the system is designed to produce the same result, making financial behavior easier to understand, verify, audit, and reproduce.
The specifications cover a broad range of financing use cases, including lending, education financing, debt repayment, internal credit, capital structuring, leverage analysis, municipal finance, public money management, affordability analysis, payments, and financial settlement. Features can include fixed or explicitly defined financing costs, structured amortization, repayment modeling, affordability calculations, capital-routing rules, debt optimization, financial scenario analysis, and rules-based allocation of funds.
A core feature is transparency. Financial decisions can be represented as structured inputs, calculations, constraints, and outputs rather than hidden assumptions. This makes it possible to trace how a financing outcome was produced, identify the rules responsible for that outcome, and independently verify the calculations. The approach also supports auditable financial infrastructure where changes to terms, inputs, or governing rules can be tracked and evaluated.
The specifications are designed with modularity and interoperability in mind. Individual financing functions can operate as core modules while additional capabilities can be implemented as optional modules or plugins. This allows organizations to adapt the specifications to different lending, education, public-finance, commercial, or personal-finance environments without requiring the underlying financial logic to become dependent on a single vendor, platform, or proprietary calculation system.
All specifications are released under the GNU Affero General Public License v3.0 or later (AGPL-3.0+) and may be used free of charge with the required attribution under Section 7 of the license. Organizations that require attribution-free commercial deployment may obtain a Specification Branding License (SBL). Licensing fees are determined based on the specific specification, deployment scope, and the scale of the network or environment in which it is deployed.
The Open Arsenal specifications are designed as foundations, not disposable products. They define reusable architectures that can be implemented, extended, combined, modified, and adapted to changing technologies and real-world requirements. Modular design allows individual capabilities to evolve without forcing an entire system to be replaced, while vendor-neutral architecture helps preserve independence and interoperability.
Long-term infrastructure requires long-term thinking. Open-source licensing encourages examination, reuse, modification, and collaboration, while perpetual commercial licensing can provide organizations with lasting rights to deploy a specification without making foundational infrastructure dependent on recurring licensing renewals. The objective is to create technological foundations that can remain useful as companies, technologies, platforms, and business models change.
Altius Capital OS
https://roxanneardary.com/altius-capital-os/
A deterministic capital computation specification that transforms tax codes, regulatory rules, and custody constraints into an auditable rules-based engine for calculating and structuring capital.
CapitalScope
https://roxanneardary.com/capitalscope/
CapitalScope is an open source specification for AI-assisted venture financing that helps Venture Capitalists evaluate Enterprise Creators through business analysis, market demand, predictive modeling, risk scoring, and cost validation. It provides a deterministic financing framework with fixed 4% interest, predictable repayment, principal-linked interest elimination, and modular business development plugins.
Explorer Capital
https://roxanneardary.com/explorer-capital/
Explorer Capital is a deterministic financing specification for approved World Expedition Program participants, providing up to $120,000 with a two-year interest-free delay and six years of equal principal and interest payments. Standard amortization determines total interest, while prepayments shorten the repayment period and eliminate the associated future interest.
FinishLine
https://roxanneardary.com/finishline/
A deterministic debt analysis and optimization specification that evaluates debt instruments, loan terms, interest costs, and prepayment penalties to determine structured paths toward debt repayment.
FuturePathway
https://roxanneardary.com/futurepathway/
A deterministic education financing specification that structures education funding and repayment through explicit, predictable financing rules and calculations.
Internal Credit
https://roxanneardary.com/internal-credit/
A financial financing specification that enables users to borrow against their own savings while continuing to earn returns on deposited capital, creating a structured internal-credit mechanism.
JubileeLoan
https://roxanneardary.com/jubileeloan/
A deterministic loan financing specification that defines predictable loan terms and repayment calculations, with interest set at 1% of the total loan amount rather than an annual interest rate.
LatticePay
https://roxanneardary.com/latticepay/
An open-source payment infrastructure specification designed around private, merchant-owned commerce and structured local-first payment processing without dependence on centralized financial intermediaries.
Nest Intelligence
https://roxanneardary.com/nest-intelligence/
A home-affordability financing specification that evaluates income, expenses, assets, lifestyle costs, and local costs to establish a structured assessment of what a household can afford.
OpenLeverage Lab
https://roxanneardary.com/openleverage-lab/
A financial simulation specification for modeling leverage outcomes, margin risk, and portfolio behavior under financial uncertainty.
Orvian
https://roxanneardary.com/orvian/
A financial operating system with a rules-first architecture for allocating income, managing financial goals, and enforcing tax-related allocations through explicit financial rules.
PayTerrain
https://roxanneardary.com/payterrain/
A compensation and financial-analysis specification that tracks real wages and cost-of-living adjustments to provide structured calculations for fair compensation.
ProofRail
https://roxanneardary.com/proofrail/
A programmable financial infrastructure specification for real-time, verifiable money movement, using deterministic and auditable rules for financial transactions and settlement.
QuantumSettle
https://roxanneardary.com/quantumsettle/
A financial settlement specification focused on denomination-guaranteed settlement and liquidity management across volatile markets through structured computational rules.
Solvra
https://roxanneardary.com/solvra/
A deterministic loan amortization specification that models loans using a capped-interest system and evenly distributed payments across the full repayment term.
Vantor
https://roxanneardary.com/vantor/
A deterministic capital-routing specification that converts explicit financial intent into structured, rule-validated execution instructions for controlled movement of capital.
A Specification Branding License can be purchased for the basket of Deterministic Financing Specs
Purchasing a Specification Basket grants the purchaser a perpetual license for attribution-free use of every existing specification included within that category, as well as any additional specifications subsequently added to the category.
Specification Basket Pricing:
| Network Size | # of Users | One-Time Price | Duration |
| Small | 1 – 20 | $2,300,000 | Perpetual License |
| Medium | 21- 1000 | $6,000,000 | Perpetual License |
| Large | 1001 + | Custom Quote | Custom Quote |
