Arctura · Etusivu v2 — editorial preview◈ THE PHYSICAL CREDIT BUREAUvol. I · №05/2026 · helsinki
Est. 2026
NeurFlow Oy · Y-3597951-1
ARCTURA
vol. I · №05/2026
helsinki edition
The Physical Credit BureauDaily — one engine, three surfaces, fourteen verticalsarctura.eu / open access

Founded in Helsinki · Filed daily under all 14 verticals

Every physical asset
gets a rating.

First, the world graded bonds. Then companies. Now Arctura grades the trucks that move them, the batteries that power them, and the buildings that house them — on the same A to F scale a CFO already trusts.

Pillars4battery · usage · market · compliance
Verticals14heavy · BESS · fleet · RE · marine · …
SovereigntyEU onlyNIS2 · DORA · GDPR · DPP
Pick your surface →Read the methodology
№ 01 · channel

For platforms who don't ship a rating engine.

Telematics white-label and ISV partners embed an A–F engine under their own brand. Battery Passport ships with the contract.

V14 layer · L3 Channel · €3–8 / asset wholesale→№ 02 · captive

For lessors carrying the residual.

Captive financiers exposed to a €92B BEV remarketing risk by 2030. Continuous A–F + a regulator-grade certificate at every resale event. €450 / vehicle uplift (Autovista24).

V14 layer · L1 + L4 · €3–20 / asset / mo + cert→№ 03 · underwriter

For P&C insurers pricing EV risk blind.

A continuous asset-state feed between your UBI stack and your tariff model. NTT Data 2025: +20% pricing accuracy, +15% loss-ratio. Tariff layer, not Solvency II IM.

V14 layer · L1 underwriting feed · €1–3 / asset / mo→

One engine. Three invoices.

audience-first · not vertical-first

The same telemetry pipe.

  • Mapon · Wialon · Samsara · Flespi · SignalK · Tesla · OEM REST · J1939 · OBD-CSV — 6 universal adapters feed the same engine without rewiring.
  • Battery Passport-compatible PDF + machine-readable artifact at every resale event. DPP-tiered access (public / professional / regulator).
  • EU-sovereign by construction — Sweden Central residency, no US transit, DORA-aligned ICT-provider terms.

Three distinct buyer surfaces.

  • L3 Channel (telematics white-label) — wholesale €3–8 / asset. Your brand on top.
  • L1 + L4 (lessors / captives) — continuous feed + per-resale cert. €3–20 / asset / mo.
  • L1 underwriting tier(P&C insurers) — tariff-pricing input, not Solvency II IM. €1–3 / asset / mo.
“

One scoring engine.
Three wedges.
Zero distractions.

— Arctura Doctrine v2026
Pick the surface that matches your invoice. Then ask us for the sandbox.
Pick your surface →See pricing tiers