An index of who buys what — and why the same engine ships three invoices.

Three buyer surfaces.
One scoring engine.
Different invoices.

Arctura grades every physical asset on the same A–F scale a CFO already trusts. Who pays — and what they pay for — is not the same across buyers. A telematics platform embeds the rating in their brand; a captive lessor consumes it as a per-resale certificate; a P&C underwriter ingests it as a risk-pricing feed. Same telemetry. Same engine. Three audiences, three contract structures, three V14 layers.

Telematics channel →Lessor / captive →P&C insurer →

№ 01 · channel

For platforms who don't ship a rating engine.

Telematics white-label and ISV platforms — the kind of channel Mapon, Geotab or Wialon represent — can embed an A–F engine under their own brand. Your customers stop asking. Battery Passport ships with the contract.

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

For lessors carrying the residual.

Captive financiers and lease books exposed to a €92B BEV remarketing risk by 2030. A continuous A–F feed plus a regulator-grade certificate at every resale event. €450 of recovered uplift per vehicle (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 that sits between your UBI stack and your tariff model. NTT Data 2025: telematics + dynamic data delivers a 20% pricing-accuracy lift and a 15% loss-ratio reduction. Tariff layer, not Solvency II IM.

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

How to read this index.

audience-first — not vertical-first

Why audience-first.

An asset operator does not buy because the engine works on 14 verticals. They buy because the engine ships their invoice line: a wholesale rate, a cert at resale, an underwriting feed.
The same telemetry pipe — Mapon, Wialon, Samsara, Flespi, SignalK, Tesla, OEM REST — feeds all three surfaces. One engine, three contract structures.
Each audience triggers a different V14 layer (L3 / L1+L4 / L1). Different gross margins, different sales cycles, different procurement gates.

What each surface includes.

The positioning — one sentence the buyer reads on a calendar invite.
The pain — three to five regulator- or balance-sheet-anchored bullets, sourced.
The pricing — V14 layer, anchor band, volume tiers, reg-hook surcharge math.
The Validation Packet— what is public (methodology, pillars, model card) and what is trade-secret (pillar weights). Same standard as S&P / Moody's.
The SLA + pilot — honest 6–8 week activation, tiered uptime, escalation path.
The sources — every external claim cited.

“

One scoring engine.
Three wedges.
Zero distractions.

— Arctura Doctrine v2026

Pick the surface that matches your invoice. Then ask us for the sandbox.

Score an asset →Read the methodology

Three buyer surfaces.One scoring engine.Different invoices.