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{
"generated_at": "2026-05-31",
"summary": {
"vertical_count": 11,
"shape_count": 6,
"sibling_repo_count": 66,
"cross_cutting_invariant_count": 5,
"reference_implementation_count": 10,
"horizontal_tool_count": 2,
"buyer_facing_landing_count": 12,
"reference_implementation_coverage": "10/11"
},
"verticals": [
{
"code": "healthtech",
"name": "HealthTech",
"tagline": "FDA SaMD + HIPAA + Section 1557 + IMDRF",
"canonical_buyer": "St Mary Hospital",
"innovation_pill": "Fitzpatrick + Section 1557 bias dims"
},
{
"code": "edtech",
"name": "EdTech",
"tagline": "FERPA + COPPA + IDEA / Section 504 + ESSA",
"canonical_buyer": "Lincoln Unified SD",
"innovation_pill": "ESSA subgroups + WIDA EL proficiency"
},
{
"code": "proptech",
"name": "PropTech / Real Estate",
"tagline": "RESPA + ECOA + Fair Housing + HMDA + GLBA + CFPB UDAAP",
"canonical_buyer": "Pacific Coast Mortgage",
"innovation_pill": "EEOC four-fifths-rule + LTV/DTI bands"
},
{
"code": "insurtech",
"name": "Insurance / InsurTech",
"tagline": "NAIC AI Model Bulletin + NY DFS CL 7 + CO SB 21-169",
"canonical_buyer": "Coastguard Insurance",
"innovation_pill": "actuarial-soundness-defended status"
},
{
"code": "hrtech",
"name": "HR Tech / Employment AI",
"tagline": "EEOC + ADA + ADEA + GINA + NYC LL 144 + IL 820 ILCS 42 + MD HB 1202",
"canonical_buyer": "MomentumHR Inc.",
"innovation_pill": "two orthogonal invariants + sub-state"
},
{
"code": "fintech",
"name": "FinTech",
"tagline": "CFPB + OCC/FRB/FDIC joint AI + ECOA + FCRA + GLBA + BSA/AML + Section 1071 + Section 1033",
"canonical_buyer": "Meridian Financial",
"innovation_pill": "FCRA permissible-purpose + redlining"
},
{
"code": "govtech",
"name": "GovTech / Public Sector AI",
"tagline": "OMB M-24-10 + AI Bill of Rights + Section 508 + Privacy Act + FOIA + NIST AI RMF + FedRAMP",
"canonical_buyer": "Pacific Region Federal Services Agency (PRFSA)",
"innovation_pill": "Federal AI Use Case Inventory + classification-clearance + Title VI LEP"
},
{
"code": "legaltech",
"name": "LegalTech / AI in the Practice of Law",
"tagline": "ABA Model Rules 1.1c8 + 1.6 + 3.3 + 5.3 + 5.5 + attorney-client privilege + work-product doctrine + state bar opinions + Mata v. Avianca court orders",
"canonical_buyer": "Anchor & Reef LLP",
"innovation_pill": "privilege_tier as first-class field + cross-matter-firewall + COMPAS-cautionary detector + Batson pattern"
},
{
"code": "energytech",
"name": "EnergyTech / Grid + Pipeline Operations",
"tagline": "NERC CIP-002 through CIP-014 + TSA SD-2021-02C + DOE EO 14028 + FERC Order 2222 + state PUC orders (CA / NY / TX / MA / IL / WA)",
"canonical_buyer": "Continental Grid Operator (CGO)",
"innovation_pill": "bes_cyber_system_categorization + ot_it_boundary cross-bound across 3 repos + CIP-008 1-hour wall-clock invariant + medical-baseline-tokenized-with-flag"
},
{
"code": "defensetech",
"name": "DefenseTech / DIB AI Tooling",
"tagline": "DFARS 252.204-7012/7019/7020/7021 + CMMC 2.0 L2/L3 + NIST SP 800-171 r2 + 800-172 + ITAR (22 CFR 120-130) + EAR (15 CFR 730-774) + deemed export + EO 13526 + ICD 705 + DoDI 5230.24 + CUI Notice 2020-04 + NISPOM 32 CFR 117 + FAR 52.204-21 + False Claims Act",
"canonical_buyer": "Stratos Aerospace (DIB Tier 2 contractor)",
"innovation_pill": "3-axis vault contract (cui_categorization × export_control_status × foreign_person_access_restriction) — FIRST Suite vertical with 3 orthogonal typed policy axes + DFARS 72-hour wall-clock invariant + cross_binding_refs as REQUIRED schema fields + 22-event-type Incident Card (largest in Suite)"
},
{
"code": "retailtech",
"name": "RetailTech / Consumer AI",
"tagline": "FTC Section 5 + 2023 algorithmic-pricing guidance + Operation AI Comply (2024) + EU Omnibus 2019/2161 Art 6a + NY S365A ATBP + NYC §22-1201 biometric ordinance + CA SB-892 + CA CPPA ADMT (eff 2026-01-01) + CCPA / CPRA + BIPA 740 ILCS 14 + IL SB 2979 (2024) + PCI DSS 4.0 + GLBA Safeguards retail-finance",
"canonical_buyer": "Parkway Marketplace, Inc. (US multi-channel retailer)",
"innovation_pill": "7 data classes × 4 tokenization methods × 6 retention envelopes INCLUDING biometric-special (365-day BIPA-aligned hard-delete) + 6-cohort bias lab (income-proxy / language-locale / device-class / time-of-day / geographic / loyalty-tenure) + 16-kind audit-stream taxonomy across 12 commerce surfaces + payment-data NEVER in audit-stream (PCI DSS scope segregation)"
}
],
"shapes": [
{
"code": "audit-stream",
"name": "Operator audit-stream",
"description": "Per-decision hash-chained AI-tool-access events"
},
{
"code": "state-tracker",
"name": "Operator state-tracker",
"description": "Per-jurisdiction regulatory-lifecycle ledger"
},
{
"code": "compliance-bundle",
"name": "Evidence Bundle (compliance)",
"description": "Vertical's federal-floor obligation families"
},
{
"code": "bias-bundle",
"name": "Evidence Bundle (bias)",
"description": "Pre-deployment + ongoing bias / equity coverage"
},
{
"code": "incident-card",
"name": "Incident Card",
"description": "AI consumer-harm event taxonomy + regulator-referral"
},
{
"code": "vault-contract",
"name": "Decision Card vault contract",
"description": "Tokenized / pseudonymized / cleartext access governance"
}
],
"matrix": {
"healthtech": {
"audit-stream": "fhir-resource-access-audit",
"state-tracker": "fda-samd-classification-board",
"compliance-bundle": "hipaa-readiness-evidence-bundle",
"bias-bundle": "clinical-bias-cohort-coverage-lab",
"incident-card": "medical-adverse-event-incident-card",
"vault-contract": "phi-vault-contract-profile"
},
"edtech": {
"audit-stream": "student-data-access-audit-stream",
"state-tracker": "state-ai-disclosure-state-tracker",
"compliance-bundle": "ferpa-readiness-evidence-bundle",
"bias-bundle": "student-cohort-bias-coverage-lab",
"incident-card": "ai-student-record-incident-card-profile",
"vault-contract": "pii-student-vault-contract-profile"
},
"proptech": {
"audit-stream": "mortgage-decision-record-audit-stream",
"state-tracker": "state-real-estate-ai-disclosure-tracker",
"compliance-bundle": "respa-readiness-evidence-bundle",
"bias-bundle": "mortgage-applicant-bias-coverage-lab",
"incident-card": "title-chain-evidence-incident-card-profile",
"vault-contract": "mls-data-access-vault-contract-profile"
},
"insurtech": {
"audit-stream": "insurance-decision-record-audit-stream",
"state-tracker": "state-insurance-ai-disclosure-tracker",
"compliance-bundle": "naic-ai-bulletin-readiness-evidence-bundle",
"bias-bundle": "insurance-applicant-bias-coverage-lab",
"incident-card": "unfair-discrimination-incident-card-profile",
"vault-contract": "policyholder-data-vault-contract-profile"
},
"hrtech": {
"audit-stream": "employment-decision-record-audit-stream",
"state-tracker": "state-employment-ai-disclosure-tracker",
"compliance-bundle": "eeoc-readiness-evidence-bundle",
"bias-bundle": "employment-candidate-bias-coverage-lab",
"incident-card": "employment-ai-incident-card-profile",
"vault-contract": "candidate-data-vault-contract-profile"
},
"fintech": {
"audit-stream": "financial-decision-record-audit-stream",
"state-tracker": "state-financial-ai-disclosure-tracker",
"compliance-bundle": "cfpb-readiness-evidence-bundle",
"bias-bundle": "financial-applicant-bias-coverage-lab",
"incident-card": "financial-ai-incident-card-profile",
"vault-contract": "financial-customer-data-vault-contract-profile"
},
"govtech": {
"audit-stream": "government-decision-record-audit-stream",
"state-tracker": "state-government-ai-disclosure-tracker",
"compliance-bundle": "omb-m24-10-readiness-evidence-bundle",
"bias-bundle": "government-applicant-bias-coverage-lab",
"incident-card": "government-ai-incident-card-profile",
"vault-contract": "citizen-data-vault-contract-profile"
},
"legaltech": {
"audit-stream": "matter-decision-record-audit-stream",
"state-tracker": "state-bar-ai-disclosure-tracker",
"compliance-bundle": "aba-rule-1-6-readiness-evidence-bundle",
"bias-bundle": "legal-applicant-bias-coverage-lab",
"incident-card": "legal-ai-incident-card-profile",
"vault-contract": "attorney-client-data-vault-contract-profile"
},
"energytech": {
"audit-stream": "grid-decision-record-audit-stream",
"state-tracker": "state-puc-ai-disclosure-tracker",
"compliance-bundle": "nerc-cip-readiness-evidence-bundle",
"bias-bundle": "grid-operator-bias-coverage-lab",
"incident-card": "grid-operations-incident-card-profile",
"vault-contract": "grid-asset-data-vault-contract-profile"
},
"defensetech": {
"audit-stream": "defense-decision-record-audit-stream",
"state-tracker": "dod-cmmc-disclosure-tracker",
"compliance-bundle": "cmmc-l2-l3-readiness-evidence-bundle",
"bias-bundle": "defense-contractor-bias-coverage-lab",
"incident-card": "defense-ai-incident-card-profile",
"vault-contract": "cui-data-vault-contract-profile"
},
"retailtech": {
"audit-stream": "retail-decision-record-audit-stream",
"state-tracker": "state-retail-ai-disclosure-tracker",
"compliance-bundle": "ftc-algorithmic-pricing-readiness-evidence-bundle",
"bias-bundle": "consumer-pricing-bias-coverage-lab",
"incident-card": "retail-ai-incident-card-profile",
"vault-contract": "shopper-pii-vault-contract-profile"
}
},
"cross_cutting_invariants": [
{
"code": "human-in-loop",
"name": "Human-in-loop on adverse-action-capable AI decisions"
},
{
"code": "adverse-action-notice",
"name": "Adverse-action notice + statutory reason codes"
},
{
"code": "four-fifths-rule",
"name": "Disparate-impact / bias measurement threshold"
},
{
"code": "protected-class-vault",
"name": "Protected-class data handling in vault contract"
},
{
"code": "regulator-referral",
"name": "Regulator-referral pathway evaluation discipline"
}
],
"invariant_matrix": {
"healthtech": {
"human-in-loop": "scoped",
"adverse-action-notice": "HIPAA breach + clinical doc",
"four-fifths-rule": "Section 1557-aligned",
"protected-class-vault": "HIPAA 18 Safe Harbor",
"regulator-referral": "FDA + state DOH"
},
"edtech": {
"human-in-loop": "N/A",
"adverse-action-notice": "FERPA RoD + state breach",
"four-fifths-rule": "ESSA subgroup",
"protected-class-vault": "FERPA 7 + COPPA 10",
"regulator-referral": "DoE OCR + FTC + state-AG"
},
"proptech": {
"human-in-loop": "universal",
"adverse-action-notice": "ECOA 1002.9 30-day + RESPA",
"four-fifths-rule": "canonical (EEOC)",
"protected-class-vault": "ECOA + Fair Housing",
"regulator-referral": "CFPB + DOJ + HUD + state DFPI/DFS"
},
"insurtech": {
"human-in-loop": "scoped+capable",
"adverse-action-notice": "FCRA §615 + state DOI",
"four-fifths-rule": "applicable + actuarial-soundness",
"protected-class-vault": "CO SB 21-169 + NOT model input",
"regulator-referral": "State DOI + NAIC MCAS + 6 pathways"
},
"hrtech": {
"human-in-loop": "scoped+capable",
"adverse-action-notice": "EEOC reconciled adverse-action",
"four-fifths-rule": "EEOC + UGESP 2-SD",
"protected-class-vault": "EEOC/OFCCP segregation",
"regulator-referral": "EEOC + state CR + NYC DCWP + OFCCP + 7 pathways"
},
"fintech": {
"human-in-loop": "scoped+capable",
"adverse-action-notice": "ECOA 1002.9 + FCRA §615",
"four-fifths-rule": "EEOC + business-necessity + redlining",
"protected-class-vault": "ECOA + Section 1071 firewall + NOT input",
"regulator-referral": "CFPB + OCC/FRB/FDIC/NCUA + 9 pathways"
},
"govtech": {
"human-in-loop": "scoped+capable+three-invariants",
"adverse-action-notice": "OMB M-24-10 §5(d) human-review + statutory appeals (5 USC §555)",
"four-fifths-rule": "EEOC where applicable + Title VI LEP + OMB M-24-10 §5(d) impact-assessment",
"protected-class-vault": "OMB M-24-10 §3(a) Federal AI Use Case Inventory + EEOC/OFCCP segregation + REQUIRED ai_use_case_inventory_block in Decision Card",
"regulator-referral": "Agency Civil Rights Office + OMB + OIG + GAO + DOJ Civil Rights + Section 508 OMB + congressional + state-AG + Federal AI Use Case Inventory correction + 10 pathways"
},
"legaltech": {
"human-in-loop": "scoped+capable+supervising-attorney-bar-id-required+three-invariants",
"adverse-action-notice": "ABA Rule 1.4 client notification + Rule 3.3 tribunal disclosure where required",
"four-fifths-rule": "Title VI + Sixth Amendment + Batson v. Kentucky + COMPAS-cautionary two-sided asymmetry detector",
"protected-class-vault": "privilege_tier first-class field + cross-matter-firewall + opposing-party-quarantine + no-training-data-use vendor contract clause REQUIRED",
"regulator-referral": "outside ethics counsel + state bar disciplinary counsel + court disclosure + professional liability insurer + criminal-defense Sixth-Amendment effective-assistance + 10 pathways with REQUIRED ed25519 signature"
},
"energytech": {
"human-in-loop": "HIGH-IMPACT+OT-required+NERC-certified-on-transmission-switching+three-invariants",
"adverse-action-notice": "CIP-008 1-hour wall-clock to E-ISAC + TSA SD 12-hour wall-clock to CISA+TSA (two parallel regulatory clocks, both as required drill records)",
"four-fifths-rule": "POPULATION-LEVEL equity (not individual decisioning) — EPA Title VI EJ + Justice40 + state PUC EJ orders; 7-day freshness window for load shed (shortest in Suite)",
"protected-class-vault": "bes_cyber_system_categorization + ot_it_boundary cross-bound across 3 repos + bcsi-protected-cip-011 + medical-baseline-tokenized-with-flag + 5 unique runtime invariants incl ot-it-data-diode-enforcement + critical-medical-equipment flag preservation",
"regulator-referral": "NERC E-ISAC + CISA+TSA + DOE CESER + FERC + ISO/RTO Market Monitor + state PUC + EPA EJ + DOJ Civil Rights + NERC regional entity + AI vendor + energy-cyber insurer + FBI Cyber Division — 12 pathways (most extensive in Suite) with regulatory-clock meta-violations as first-class event types"
},
"defensetech": {
"human-in-loop": "us-person-verification-per-event-on-ITAR + secret-clearance-min-on-CLASSIFIED + ts-sci-clearance-on-SCI + FSO-cosign-on-CLASSIFIED+ — 4 enforcement-mode dimensions, axis-intersection at runtime",
"adverse-action-notice": "DFARS 252.204-7012(c)(1)(ii) 72-hour wall-clock report to dibnet.dod.mil (SECOND Suite vertical with numeric wall-clock invariant; FIRST was EnergyTech CIP-008 1-hour) + DDTC voluntary disclosure (optional, ITAR breach) + BIS voluntary disclosure (optional, EAR breach) + FSO notification (always, on cleared facility)",
"four-fifths-rule": "OFCCP 4/5ths-rule on DIB workforce dimensions + VEVRAA protected-veteran preference + Section 503 7%-utilization goal + EO 12968 + 32 CFR 147 adjudicative-guidelines disparity tracking + NISPOM insider-threat-flag-rate per-1000 + SBA SB/SDB/VOSB/SDVOSB flow-down coverage % — 15 dimensions × 8 metric kinds",
"protected-class-vault": "FIRST Suite vault contract with 3 orthogonal typed policy axes (cui_categorization 9 tiers × export_control_status 4 tiers × foreign_person_access_restriction 5 tiers) — resolvePolicy() intersects all 3 axes at runtime. cross_binding_refs as REQUIRED schema fields publish sibling repos (audit-stream + evidence-bundle + incident-card). vs LegalTech 1-axis, EnergyTech 2-axis, every other vertical 1-axis equivalent",
"regulator-referral": "DoD CIO (DFARS 7012 cyber incident via dibnet.dod.mil) + Cyber AB (CMMC ecosystem) + DIBCAC (DCMA government-led L3 assessment) + DDTC (ITAR voluntary disclosure) + BIS (EAR voluntary disclosure + Entity List screening) + NIST (standards-incorporation-by-reference) + GSA (FAR + Schedule + FedRAMP joint authorization) + DCMA (CPSR + supplier surveillance) + DCSA (NISPOM + personnel + facility clearance) + NARA-ISOO (CUI Registry + CUI Notice 2020-04) — 10 federal authorities × 8 distinct enforcement modes (most diverse state-tracker in Suite). 22 event types on Incident Card — LARGEST Incident Card profile in Suite"
},
"retailtech": {
"human-in-loop": "human_pricing_reviewer_required on bias-watchlist-band personalized-pricing events + human_review_required on every retail.biometric.face-template-matched + retail.refund.discrimination-claim. No federal ECOA-style adverse-action statute — driven by FTC §5 + state UDAP exposure.",
"adverse-action-notice": "EU Omnibus 2019/2161 Art 6a personalized-pricing disclosure modal (REQUIRED inline via pricing_transparency.disclosure_artifact_url) + CCPA/CPRA right-to-explanation on Automated Decisionmaking + per-state retail AI disclosure obligations (NY S365A ATBP, CA SB-892, CO ADMT). RetailTech-unique: no federal statutory equivalent to ECOA 1002.9 — non-disclosure is FTC §5 deceptive-practices exposure rather than a denied right.",
"four-fifths-rule": "FTC §5 disparate-impact framing under 2023 algorithmic-pricing guidance. 6 cohort dimensions (income-proxy ZIP-median + language-locale Accept-Language + device-class + time-of-day + geographic + loyalty-tenure) × 4-band verdict (within-tolerance 0.95-1.05× / watchlist / investigate / remediate). RetailTech-unique: time-of-day + loyalty-tenure proxy customer-acquisition cohorts where pricing can become discriminatory — dimensions a strict protected-class lens misses.",
"protected-class-vault": "7 data classes × 4 tokenization methods × 6 retention envelopes. RetailTech-unique: biometric-special envelope (365-day BIPA-aligned hard-delete on T+366); location-data redacted-by-default with opt-in fine-geo as CCPA Sensitive PI; payment-data NEVER appears in audit-stream events (PCI DSS scope segregation); under-18 tokenization tier; data-broker-relationship disclosure obligation; CCPA Do-Not-Sell + Global Privacy Control honor.",
"regulator-referral": "12 RetailTech event types (pricing-discrim, recommendation-bias-surface, fraud-false-positive-harm, biometric-misidentification, BIPA consent-violation, refund-discrimination, ad-personalization-harm, dark-patterns-enforcement, deceptive-AI-output, minor-targeting-violation, data-broker-exposure, loyalty-tier-discrim) × 8 reason codes × 4-band severity. Referral pathways: FTC §5 complaint, state AG inquiry, EU AI Act Art 73 serious-incident report. RetailTech-unique: BIPA per-scan-stacking remediation context post-IL SB 2979 (2024)."
}
},
"horizontal_tools": [
{
"code": "router",
"name": "kg-suite-vertical-router",
"tagline": "Routes any Suite artifact to the right vertical-specific verification across 11 verticals + dual-shape (spec + ref-impl)",
"url": "https://github.com/mizcausevic-dev/kg-suite-vertical-router",
"cli": "kg-suite-route artifact.json"
},
{
"code": "comparator",
"name": "kg-suite-vertical-comparator",
"tagline": "Generates cross-vertical comparison Markdown + JSON; per-artifact diff",
"url": "https://github.com/mizcausevic-dev/kg-suite-vertical-comparator",
"cli": "kg-suite-compare > REPORT.md"
}
],
"reference_implementations": [
{
"vertical_code": "healthtech",
"repo": "fhir-resource-access-audit-reference",
"ref_impl_kind_prefix": "fhir.",
"wall_clock_pattern": "n/a",
"headline_invariant": "HIPAA Safe-Harbor vault contract + hash-chained FHIR resource access events re-validated against spec JSON Schema in CI"
},
{
"vertical_code": "edtech",
"repo": "student-data-access-audit-stream-reference",
"ref_impl_kind_prefix": "edtech.",
"wall_clock_pattern": "must-precede-event",
"headline_invariant": "FERPA basis enumeration (34 CFR Part 99) + COPPA verifiable parental consent must precede event timestamp for student_age < 13 (16 CFR §312.4)"
},
{
"vertical_code": "proptech",
"repo": "mortgage-decision-record-audit-stream-reference",
"ref_impl_kind_prefix": "proptech.",
"wall_clock_pattern": "anchored-on-completed-application",
"headline_invariant": "UNIVERSAL human-underwriter rule (only Suite vertical with universal-not-scoped human gate) + ECOA Reg B 30-day adverse-action notice anchored on application_completed_at per 12 CFR §1002.9"
},
{
"vertical_code": "insurtech",
"repo": "insurance-decision-record-audit-stream-reference",
"ref_impl_kind_prefix": "insurtech.",
"wall_clock_pattern": "bounded-backward-window",
"headline_invariant": "Scoped human-adjudicator on adverse-action-capable + adverse recommendation + NAIC Model Bulletin on AI 90-day backward-bounded bias-monitoring window (must precede event)"
},
{
"vertical_code": "hrtech",
"repo": "employment-decision-record-audit-stream-reference",
"ref_impl_kind_prefix": "hrtech.",
"wall_clock_pattern": "backward-before-event",
"headline_invariant": "NYC LL 144 14-day backward-before-event candidate-notice window + EEOC four-fifths-rule bias-audit timestamp bound"
},
{
"vertical_code": "fintech",
"repo": "financial-decision-record-audit-stream-reference",
"ref_impl_kind_prefix": "fintech.",
"wall_clock_pattern": "anchored-on-event",
"headline_invariant": "FCRA §604 permissible-purpose enumeration on credit-bureau resource pulls + ECOA timing-of-credit-decision binding"
},
{
"vertical_code": "govtech",
"repo": "government-decision-record-audit-stream-reference",
"ref_impl_kind_prefix": "govtech.",
"wall_clock_pattern": "must-precede-event",
"headline_invariant": "OMB M-24-10 impact-assessment completed before deployment precondition + rights-impacting vs safety-impacting disambiguation"
},
{
"vertical_code": "legaltech",
"repo": "matter-decision-record-audit-stream-reference",
"ref_impl_kind_prefix": "legaltech.",
"wall_clock_pattern": "n/a",
"headline_invariant": "Privilege-tier consistency + engagement-letter binding + citation-validation-before-production-ready (THREE simultaneous invariants — only Suite ref impl with that density)"
},
{
"vertical_code": "energytech",
"repo": "grid-decision-record-audit-stream-reference",
"ref_impl_kind_prefix": "energytech.",
"wall_clock_pattern": "forward-from-event",
"headline_invariant": "NERC CIP-008 1-hour forward cyber-incident reporting wall clock (shortest in the Suite catalog)"
},
{
"vertical_code": "defensetech",
"repo": "defense-decision-record-audit-stream-reference",
"ref_impl_kind_prefix": "defensetech.",
"wall_clock_pattern": "forward-from-event",
"headline_invariant": "DFARS 252.204-7012(c)(1)(ii) 72-hour forward cyber-incident clock + CUI 3-axis vault contract cross-binding (cui_categorization × export_control_status × foreign_person_access_restriction)"
}
]
}