●SVC/04 · COMPUTE
STATUS · operational
VERTICALS · Insurance · Lending
BUILD · v0.91 — metronome
Services/ SVC/04 · LIVE MARKET PRICING INTELLIGENCE

Live Market Pricing Intelligence.

Quote against the market that exists right now — not last quarter.

Continuously model competitor pricing, capacity, and appetite so every quote, APR, and offer reflects the live regulated market — not a rate-filing snapshot.

All services
±19d → ±1.2d
Pricing lag
+22%
Quote-to-bind
+8.4%
Margin recovery
▤ SVC/04 · COMPUTEHRX/SERVICE · SVC/04
FRAME 00:00:14:08
HRX/MAP · SVC/04 · LIVE MARKET PRICING INTELLIGENCE↳ live Insurance · Lending substrate
DECISION WINDOW · < 14MS
§01 — OUTCOMESFIELD-MEASURED

What this service moves.

±19d → ±1.2d
Pricing lag
+22%
Quote-to-bind
+8.4%
Margin recovery
§02 — CAPABILITIES04 · COMPOSABLE

What's inside.

CAP/01
Competitive index
Per-segment, per-geo competitor price + capacity index, refreshed continuously.
CAP/02
Elasticity modeling
Per-applicant price elasticity against win-rate, retention, and lifetime value.
CAP/03
Filing-aware
NAIC, state DOI, and credit-policy filings ingested and reconciled against observed market.
CAP/04
Quote APIs
Drop-in price recommendations with confidence intervals and downstream impact.
§03 — SPECIFICATIONSYSTEM PROFILE

Specification.

▤ DEPLOYMENT NOTE

Live Market Pricing Intelligence is independently deployable but composes natively with every other Horaclus service. It speaks the APIs your stack already speaks.

▤ SYSTEM SPECIFICATION · SVC/04
RefreshContinuous · ≤60s
CoveragePersonal lines · SMB · consumer credit
ComplianceNAIC-r · ECOA · UDAAP
VerticalsInsurance · Lending
← PreviousSVC/03Real-time Routing & Decisioning Service indexNext →SVC/05Market Insights & Competitive Intel
§04DEPLOY

Run Live Market Pricing Intelligence in production.

Selective access is open to founding carriers, lenders, and operators.