First-party (closed, on our API)
The regulated primitives — identity/entity, money, comms, runtime, and the tool catalog. We’re the issuer / KYB-and-formation entity / carrier registrant. Forking the code doesn’t let you issue a card or form an LLC, because the moat is the operated regulated bundle and the per-tenant governance, not the SDK shape.Open (OSS on GitHub)
Cloud infrastructure (the Naive-managedcloud provisioner, with managed hosting as the upsell),
database, tracing, and custom modules. Anyone could run these; we host for
convenience. They compete with InsForge / Supabase / Stripe Projects, so they are
complements and distribution, never the headline.
The litmus test
If we open-sourced this module, could someone run it without us?
- Yes → open module.
- No, because we’re the regulated counterparty → first-party.
What this means in practice
| Capability | Tier | Why |
|---|---|---|
| Identity / entity (KYB / EIN / formation) | First-party | We’re the formation + KYB counterparty |
| Money (card issuing, interchange) | First-party | We’re the issuer of record |
| Comms (numbers, A2P/10DLC, email reputation) | First-party | We’re the carrier registrant |
| Runtime (hosted microVMs) | First-party (wrapped) | Operated; provider kept swappable |
| Cloud (apps/db/compute/queue) | Open module | Commodity; bring your own |
| Tracing / observability | Native + exportable | Required to govern; exports to Langfuse/Datadog/OTel |
| Custom modules | Open | Authored by you |