ONE RECORD · TWO OUTPUTS
Your execution record. Captured since Day 1.
The intelligence layer. Reads the record. Produces two outputs simultaneously.
The intelligence layer inside your OS.
Reads your record. Works for you. Available to every CognitivaOS user from 2027.
The aggregated cognitive record.
For the financial institutions that finance the industry.
One record. Two outputs. The co-pilot is yours by default. The institutional layer is what your record becomes at scale.
THE COGNITIVAOS CO-PILOT
Your record, read back to you. In real time.
Every campaign you run through CognitivaOS is adding to a record — 700 data points per execution event, 7,000 structured datasets per campaign, 24-month track records across every brand, agency, and creator you work with. From 2027, CognitivaINTEL reads that record and puts the intelligence where you need it: inside the tool you're already using, at the moment a decision matters.
Not a dashboard you check once a week. A co-pilot that sees what your record sees — and tells you before the problem arrives.
Payment Risk
◉ LIVEWhich creators, brands, and campaigns are showing pre-dispute behavioral signals — approval pattern shifts, brief quality drops, payment authorization delays — before they become a problem.
Before you sign the next brief. Before you approve the next payment.
Campaign Health
◉ LIVEApproval status, deliverable progress, payment cycle position, dispute risk flag, and budget burn — live, while the campaign is running. Not a report produced three weeks after it closes.
Every day the campaign is active.
Creator Reliability
◉ LIVE24-month verified delivery history, revision rate, approval acceptance rate, dispute record, and cross-border payment performance — for every creator in your network and beyond.
Creator selection. Brief structuring. Payment terms negotiation.
Your Benchmark
◉ LIVEWhere your agency stands against anonymised peer agencies in the same market, size tier, and creator category — reconciliation cycle time, dispute rate, payment cycle compression, approval-to-delivery latency.
Leadership reviews. Brand procurement conversations. Pitch preparation.
WHAT YOUR RECORD BECOMES
700 data points per event. 7,000 datasets per campaign. 24 months of verified history.
CognitivaOS captures every execution event at the moment it fires — signed, time-stamped, attributed to the named person who made the call. That accumulation is what powers the co-pilot. And it is what makes the intelligence irreplaceable: it cannot be reconstructed from Slack logs, inferred from Stripe exports, or approximated from platform analytics.
Contract schema, execution events, approval chain, payment rails, creator profile, agency profile, brand profile, compliance records. Eight categories. Every field captured in real time, with actor attribution and financial linkage.
Each campaign generates approximately 7,000 structured datasets. At 50 campaigns per month, a single agency contributes 350,000 structured datasets per month to the schema.
The dimension that makes the intelligence financially meaningful. A creator with 24 months of verified delivery history is a credit-scoreable entity. A brand with 24 months of verified approval patterns is a counterparty-risk-scoreable entity.
WHAT 24 MONTHS PRODUCES
The profiles no other system can build.
A 24-month verified track record transforms every participant in the marketing economy into a scoreable, rateable entity — for the first time in the industry's history. The co-pilot reads these profiles. The institutional layer is built from them.
The first financially verified creator record.
Creator selection scoring. Brief structuring. Payment terms. And eventually — creator payment advance financing underwritten against verified history.
The underwriting-grade agency financial profile.
Working capital decisions. Procurement-grade agency selection for brands. And for financial institutions — the first structured view of agency credit risk derived from execution behavior rather than balance sheet.
The first objective brand financial reliability score.
Agency mandate pricing. Receivables underwriting for brand-to-agency payables. Brand counterparty risk assessment.
THE SCALE
The dataset that closes the window.
Every campaign adds to a schema that cannot be rebuilt from the outside. Once the accumulation window closes, it is closed permanently.
420 million structured records · 840 billion data points
→ Reliable benchmarking within market segments. Co-pilot in beta.
1.85 billion structured datasets · 24-month track records across the full network · GCC · USA · Canada · EU
→ Co-pilot fully live. Creator reliability products active. Risk scoring operational.
6.05 billion structured datasets · 36-month track records · Full 4-market cross-validation
→ Full co-pilot suite active. Underwriting-grade profiles complete. Institutional layer live.
10.9 billion structured datasets · 1.56 million campaigns · The largest, most granular, cross-validated cognitive record in the global marketing economy.
→ THE WINDOW HAS CLOSED. No competitor can replicate this dataset.
The schema cannot be scraped, purchased, or reconstructed from public sources. It can only be assembled by operating the system Cognitiva operates — from inside the execution workflows, at the moment each event fires.
FOR FINANCIAL INSTITUTIONS · ACTIVATING 2028
The cognitive record of an industry. Delivered through the infrastructure that already serves it.
Financial institutions do not need a new data vendor. They need a new data layer inside the infrastructure they already use — the credit bureaus, trade credit insurers, and payment intelligence providers that underwrite the marketing economy today.
CognitivaINTEL is designed to reach financial institutions exactly that way: as a structured enrichment feed that flows into the scoring models, underwriting engines, and risk platforms already in production. The cognitive record — aggregated, anonymised, and tuned to GDPR, PIPEDA, and banking secrecy requirements — becomes an additional data layer inside the systems institutions already trust.
The founding team built the internal rating systems and credit bureau infrastructure that several of these institutions still operate on today. This is not an outbound sales motion into an unfamiliar market. It is a feed into systems built by the same hands.
The execution record.
700 data points per event. Captured in real time.
Existing scoring models.
CognitivaINTEL feeds in as a structured enrichment layer.
Banks · insurers · payment networks · asset managers.
The same data, through the channel they already use.
Institutions don't change how they buy data. They get the cognitive record layer enriching the scores they already rely on.
Agency Credit Risk
Working-capital underwriting risk for marketing agencies. Approval discipline, dispute origination, FX exposure, cross-border concentration — from the cognitive record. Updated daily.
Commercial banks · working-capital lenders · factoring companies · via credit bureau enrichment feed
Brand-to-Agency Receivables Risk
Trade-credit insurance underwriting for receivables between brands and their agency partners. Brand interpretation patterns: approval timeliness, brief-quality signals, dispute initiation rates.
Trade-credit insurers · receivables-finance providers · via existing underwriting infrastructure
Cross-Border Payment Flow Intelligence
Real-time signals on cross-border creator-payment patterns with cognitive record context — which interpretation events produced each payment, where the anomalies cluster.
Card networks · payment networks · cross-border PSPs · via direct API for sophisticated institutions
Creator Economy Sector Index
Aggregate sector exposure — campaign volume, GMV, regional mix, creator-rate inflation — anchored to underlying interpretation events. Benchmark for sector-exposed funds.
Asset managers · hedge funds · family offices · sector ETF providers
Compliance & Audit Intelligence
Aggregate compliance signal — disclosure interpretation rates by jurisdiction, GDPR data subject request frequency, VAT filing patterns. Structured access to the record regulators are increasingly being asked to evaluate.
Compliance consultancies · regulatory technology firms · government data agencies
WHY THIS CANNOT BE REPLICATED
Time cannot be reversed. The dataset cannot be rebuilt.
700 data points per execution event are not generic metadata fields. Each is captured in real time, at the point of the event, with attribution to a specific actor and linkage to a specific contract, deliverable, or payment. None can be reconstructed from platform analytics, survey data, or third-party reporting.
The approval timestamp cannot be inferred from Slack logs if Cognitiva was not present when the approval was given. The payment reliability score cannot be calculated from Stripe exports if the connection to the approval event was never recorded. The data exists only because CognitivaOS was embedded in the workflow at the moment each event occurred.
The moat is the schema, not the data volume. Real-time. Multi-party validated. Financially linked. It cannot be scraped, reconstructed, or purchased. It can only be operated into existence. And it compounds with every campaign, every creator payment, and every compliance record that flows through CognitivaOS.
ONE RECORD · TWO OUTPUTS
The OS captures it. The intelligence puts it to work.
Every brief, approval, deliverable, payment — signed at the moment it fires.
Reads the record. Produces two outputs simultaneously.
Available to every CognitivaOS user. Payment risk, campaign health, creator reliability, peer benchmark — live, inside the tool.
Aggregated. Anonymised. Delivered via credit bureau infrastructure and direct API to financial institutions.
The customer who runs CognitivaOS owns their record permanently. CognitivaINTEL reads only what the customer has chosen to put in the system. The record is the customer's. The intelligence is what compounds.
ACCESS
Already a CognitivaOS user?
CognitivaINTEL activates inside your existing CognitivaOS account from 2027. No new login. No new contract. The co-pilot reads the record your campaigns have already been building.
See CognitivaOS →FOR FINANCIAL INSTITUTIONS · BRIEFINGS BY INVITATION
Data architecture briefings and partnership discussions are extended to qualified credit institutions, trade finance providers, and payment networks by direct invitation.
intel@cognitiva.systems →No deck. The brief is the record.