Solutions · Telematics channel◈ AUDIENCE №01 · L3 CHANNELv2 · committee + NLM-validated
Est. 2026
NeurFlow Oy · Y-3597951-1
/solutions/t-wl
embedded rating layer
The Physical Credit BureauFor telematics platforms · L3 white-label · ship-ready Q3/2026arctura.eu / partner inquiries

Audience No. 01 · Telematics white-label channel

An A–F rating —
your brand on top.

Your customers ask where the Battery Passport ratingis. EU's regulatory wall arrives in 2026-27 — NIS2 (€10M fines plus personal management liability), AFIR, Battery Passport. None of it is satisfied by another tracking dashboard. We ship the rating engine — your brand sits on top.

Wholesale band€3–8 / assetvs WhiteLabel $0.20-2.00 — premium tier
Activation6–8 weeksscoping → DPA → sandbox → live
ExclusivityFirst-mover tierregional or segment Y1 lock

The reg-wall + the ARPU squeeze.

Why your customers ask now.

  • DPP 18.2.2027— every EV battery >2 kWh requires a Digital Battery Passport with SoH + carbon-footprint fields. Telematics-fed data is the only viable source.
  • NIS2 in force — fines reach €10M plus personal management liabilityfor cyber on transport-sector criticals (>250 employees / >€50M revenue).
  • AFIR (in force since 13.4.2024) — charging-infra ≥50 kW must price strictly per kWh delivered.
  • Procurement teams ask todaywhat they can't ask in 2027. Whichever platform ships first sets the curve.

Why margin moves now.

  • PTOLEMUS Consulting documents fleet telematics ARPU shrinking even as the market grows. The value-added layer above telemetry is the only durable wedge.
  • Geotab alone runs >1M EMEA / >6M global subscriptions. Wialon spans >2,700 partner companies in 160+ countries. Hardware parity is total.
  • Mapon Group reported €24.2M turnover in 2025 at +22.8% YoY — proof the EU mid-tier can scale, but ARPU compression is structural.
  • WhiteLabel Tracking benchmarks wholesale at $0.20–$2.00. Arctura's €3–8 sits at premium tier — justified by the 4-pillar TAS engine + 18-cert generator + EU sovereignty.

What ships inside your platform.

What we deliver.

  • Universal telemetry adapter — your existing pipe (Mapon / Wialon / Samsara / Flespi / SignalK / Tesla / OEM REST) feeds the same engine without rewiring.
  • TAS engine — 4-pillar A–F score per asset. Signed JSON in your API. Your brand on the dashboard.
  • 18 cert-types out of the box — Battery Passport, AFIR compliance, NIS2-fed CRA evidence, Euro 7, DPP tiered access (public / professional / regulator views).
  • EU-sovereign by design — Sweden Central residency, NIS2-aligned fiduciary stack, no US transit.
  • Channel toolkit — partner-rooms (stakeholder-gated), MDF-style enablement material, training scripts.

What we don't do.

  • We don't ship a fleet-management product. We don't compete with your customer relationship.
  • Tenant isolation is contractual + technical: your customer's data never crosses another partition.
  • No-sell clause in the partner-rooms contract. Direct-sales escalation requires written partner consent.
  • Brand-control: silent-vendor mode is a single config flag. Co-marketing is opt-in.

V14 layer + price

L3 — Channel / White Label
€3–8 / asset / month
wholesale band. Reg-hook surcharges stack to a 30% cap (DPP +15%, NIS2 +15%).
TierVolumeWholesale
FloorY1 minimum commit€50K OR 1,000 assets
Standard1K–8K assets€5–6 / asset / mo
Volume8K–25K assets€4–5 / asset / mo
Strategic25K+ multi-region€3 / asset / mo + co-marketing
Cert poolper resale event€20–200 / cert

Three things partners actually ask.

“We'll build it ourselves.”
Battery Passport is 18.2.2027. Procurement asks today. Build = 18-30 eng-months + audit trail + EU-residency proof. We start in week one. You earn revenue while you decide whether to ever build it yourself.
“Won't your brand cannibalize ours?”
White-label means your brand on the surface, Arctura under it. Same model as Stripe-on-Shopify or AWS Bedrock. Silent-vendor mode is one config flag. Co-marketing is opt-in.
“What stops you signing our competitor in this region?”
A First-Mover Exclusivity Tier — Y1 partners secure a regional or segment-specific exclusivity window. Real contract clause, not a marketing line. Sized to Y1 commit.

Validation Packet.

Your model-risk or procurement function reviews the inputs and the validation methodology — not the proprietary weighting. The split below is the form your audit team expects.

Public — in the DD pack
Methodology + inputs
  • Methodology paper (pillars + score-mapping)
  • Four input pillars, audit-grade record
  • Quarterly model card (drift + fairness review)
  • Sub-processor list + data-flow diagram
  • DPP-tiered access (public / professional / regulator)
  • 3rd-party validation roadmap (Y1 EU audit firm)
Trade-secret — never published
Pillar weights
  • Pillar-weight blend
  • Score-mapping formula constants
  • Internal cross-validation cohort splits
  • Drift-trigger threshold values
  • Same as a bond rating agency does not publish its sovereign-rating weighting formula.

SLA & honest pilot timeline.

Pilot — 6 to 8 weeks end-to-end

  1. Scoping + NDA · 1–3 days
  2. DPA + data-protection review · 1–2 weeks
  3. IT-onboarding + adapter integration · 2–3 weeks
  4. Sandbox + go-live · 1–2 weeks

SLA tiers

TierUptimeResponse
Bronze (default)99.5%4h biz hours
Silver (≥1K assets)99.9%1h biz hours
Gold (≥10K / Strategic)99.95%30 min 24/7

EU-resident on-call. Source-code escrow option on Gold. 30-day-data-export + 90-day-engine-fallback clauses standard.

Sources cited.

  1. Geotab — 1 Million EMEA Fleet Subscriptions (press release)
  2. Wialon — Partner status system (2,700+ partners, 160+ countries)
  3. Mapon — 2025 results press release (€24.2M / +22.8% YoY)
  4. Mapon — White Label fleet management (template)
  5. WhiteLabel Tracking — Pricing benchmark ($0.20–$2.00 / asset)
  6. Battery Passport Content Guidance — thebatterypass.eu (SoH + carbon 18.2.2027)
  7. Rosenberger Telematics / Taylor Wessing — NIS2 fleet security (€10M + personal liability)
  8. EU Mobility — AFIR Q&A (Regulation 2023/1804, eff. 14.4.2026)
  9. PTOLEMUS Consulting — Fleet telematics ARPU (shrinking trend)
  10. Arctura V14 Revenue Model — Canonical SSOT (10 primitives × 3 axes × 3 flywheels)
A rating layer for your platform.
Six weeks. Your brand.