Pattern Recognition
Eight theses, one pattern
Twenty years inside US healthcare clearinghouses and B2B payments produced the same observation across surface after surface. The data lands in incompatible formats. The cost of canonicalizing it scales linearly with humans. A schema-first approach breaks that linkage.
Two of these I am taking calls on right now. The rest are essays. If you want to start one yourself, that is the outcome I'm hoping for.
Canonicalization beats workflow. Three times.
Healthcare adjudication. EDI clearinghouse modernization. B2B remittance reconciliation. The same insight, three surfaces. Treat the input formats as a translation problem and the schema as the product, and the workflow tax that has compounded for forty years collapses.
Apex Adjudication
AI claims-resolution engine for healthcare payers. Resolves manual denials at API speed.
Clearing AI
Automated translation between legacy clearinghouse formats and modern APIs.
Concord Remit
AI-native remittance reconciliation for B2B and healthcare receivables.
The two I'm taking calls on
These two are the ventures where the timing case, the operator credibility, and my Finexio seat all line up. I am taking calls with operators, payers, issuers, and capital that wants to be early on the right founder for either one.
Aegis Authorize
AI agents already initiate B2B payments. The settlement layer still expects a human at the other end of the wire. Aegis is the missing identity primitive. Cryptographic. Scoped. Machine-readable. Banks and rails can accept agent transactions without lighting up every fraud control they have.
Concord Remit
The bottleneck in B2B is not the payment. It is matching the remittance to the invoice across 800-line check stubs, mixed-format ACH addenda, and PDF EOBs. Concord runs the reconciliation autonomously and turns a back-office cost center into a structured-data product.
Pattern recognition I want in the open
These are not stealth companies. They are theses I have published because the gap is real and someone should run at it. If that someone is you, find me below.
Apex Adjudication
AI claims-resolution engine for healthcare payers. Resolves manual denials at API speed.
Clearing AI
Automated translation between legacy clearinghouse formats and modern APIs.
Ledger Health
Cryptographic settlement and audit trails for multi-party healthcare reimbursement.
Vault Healthcare
Compliant data enclaves for collaborative healthcare ML training.
Pulse Underwriting
Real-time supplier credit underwriting for commercial card issuance and embedded finance.
NACHA Native
Real-time fraud and compliance overlay between ERPs and ACH rails.
The honest read on bandwidth
I am running Finexio for the next 24 months. After that, I expect to operate one of the two discovery ventures. The most likely candidate is the one where the operator credibility, the timing window, and the standards-body access all line up at once. You can probably guess which one. If you want to talk about it before I get there, the door is open.
The other six ventures are not options on me. They are theses I would happily watch someone else run, including with my time and capital where it helps.