Regulatory exposure, quantified

Know your regulatory P&L before regulators do.

PoliMorph compresses three weeks of consultant work into thirty minutes: the regulatory landscape as product-level financial impact, with sources you can audit and numbers your board can sign.

Bank of America · live output
US + EU · 12 mo
Expected net impact
−$176.75M
range −$262M → −$105M
Drivers anchored
18/18
6 policies · 3 scenarios
Driver math · EU DORAmost likely · 12 mo
$113,097,000,000×0.000460=$52,000,000
Base: FY2025 total revenue · SEC EDGAR · 10-K XBRL · CIK 0000070858
OPEN
Forecast on the ledger: enforcement under DORA within horizon
p = 0.75 · due 2027-07-09 · graded against public records

Every number grounded in primary sources

SEC EDGAR10-K / 8-K filingsXBRL company factsEUR-LexEnforcement records
What you get

A defensible analysis, not a news feed.

Every simulation produces three artifacts your board, auditors, and product teams can act on. Built on primary regulatory sources, structured for finance.

Quantified financial impact

Base, upside, and worst-case scenarios with quarterly granularity. Probability-weighted expected value the CFO can drop into a model.

Best case−$105M
Worst case−$262M
Expected value−$176.75M
Bank of America · probability-weighted

Decision-grade roadmap

Priority-ranked actions with cost ranges, timelines, and the regulatory exposure each one avoids. Sortable by ROI.

1ICT resilience program (DORA)EU
2§1033 data-access complianceUS · CFPB
3MiCA licensing assessmentEU

Auditable evidence trail

Every number traces back to the claim, assumption, and source URL. Defensible to legal, regulators, and the audit committee.

C1DORA Art. 28 requires ICT third-party risk management
S3eur-lex.europa.eu/legal-content...
A citation that doesn't resolve is deleted before the report ships.
How it works

From company to board memo in minutes.

01

Add a company

Pick from your catalog or add one inline. Optionally narrow to a specific product, jurisdiction, or time horizon.

02

Agents do the research

Researcher + simulator agents pull primary regulatory sources, cross-check with company filings, and quantify per-policy impact.

03

Get a defensible report

Financial scenarios, prioritized actions, and auditable evidence, ready to brief the board or hand to legal.

Agent trace · Bank of America run
July 2026
researchReading SEC 10-K financials (XBRL) — revenue base $113.1B, FY2025
sourcesSEC 8-K · Q1 2026 filings by Bank of America injected as evidence
quantifyEU DORA driver: $113,097,000,000 × 0.000460 = $52,000,000
enforceEV recomputed · decomposition reconciled to the cent · citations verified
Why PoliMorph

The output that closes board meetings.

Per-product, not just per-company

Granular enough to inform a roadmap, not just a press release.

Ad-supported tier vs subscription tier face different rules. Most tools flatten this. PoliMorph keeps the distinction so your product team can act on it.

Forward-looking, not a news feed

Analyzes proposed regulations, not just enacted ones.

Reading legal news is reactive. PoliMorph reads pending bills and signals which ones are likely to bite, when, and how hard.

Every claim has a source

Defensible to your auditor on the first click.

Every number, every recommendation, every risk traces back through the claim, assumption, and primary source. No hallucinated citations.

The model proposes — the system enforces

A deterministic engine stands between the model and every number.

Language models draft the analysis; they are never the source of truth for a figure. Every total is independently recomputed, every decomposition must reconcile to the cent, and citations that don't resolve are deleted before the report persists. The guardrails are code, not policy.

We keep score

Every forecast we make is on the record.

Every simulation writes dated, falsifiable forecasts to a ledger that reality — not marketing — will grade against public enforcement records. Credit teams calibrate default models against realized defaults. We do the same to ourselves.

49
forecasts logged since July 2026
Oct 6
first public grading, 2026 — watch our accuracy get measured
Forecast ledger · Bank of Americalive
Enforcement action under DORA (EU) within horizon
probability · 0.75due 2027-07-09OPEN
Enforcement action under CFPB §1033 (US) within horizon
probability · 0.75due 2027-07-09OPEN
12-month expected net impact = −$176.75M
value forecastdue 2027-07-09OPEN
Try it on your hardest question

Bring us a real regulatory challenge. We'll show you the answer.

Tell us a policy you're tracking and a product you care about. We'll run it live and walk through the analysis: scenarios, evidence, and the action plan.