StratEdge Research · Updated October 2026
Original benchmarks from public federal data — plus short papers on AI agents built for one high-stakes financial process at a time.
Operator essays live on Insights— kept separate so research stays clean.
Same $4,200 payment. Change the payee and ALLOW becomes ESCALATE. A public reference with the code on GitHub. Not a live product and not a customer result.
Read the analysis →1
fact changed, disposition flips
Vercel’s gateway data split token volume from spend. The essay argues for routing open-weight models to narrow jobs and keeping frontier models for work that needs them. Not a StratEdge savings claim.
Read the analysis →56%
of August gateway tokens, open-weight (Vercel)
Citeable product models for Workflow Control, RemitBot, CryptOps, ProofAudit, and GuardRoute. Each page has a permanent URL, Markdown, and JSON. These are StratEdge specifications, not industry standards.
Read the analysis →5
live-product specifications
Why a narrow dispute agent beats a general assistant: measurable training, end-to-end case ownership, humans on exceptions, and clear economics for banks.
Read the analysis →1
process · one agent · humans on the tail
A benchmark of on-time compliance friction across 875,610 Form 5500 filings. On-time filing rates fall from 59% for the smallest plans to 23% for the largest.
Read the analysis →55%
met the original federal deadline
A benchmark of operating friction across 4,299 U.S. credit unions, from NCUA 5300 Call Report data (cycle 6/30/2026). The smallest credit unions spent 80.2¢ of every revenue dollar on overhead — 14.4 points more than $1B+ peers.
Read the analysis →68.4%
of revenue spent on operating overhead (H1 2026)
A benchmark of operating friction across 4,238 FDIC-insured banks. Institutions under $100M ran at a 76.47% efficiency ratio in Q2 2026, versus 53.74% at banks over $250B — a 22.7-point gap.
Read the analysis →55.38%
industry efficiency ratio (Q2 2026)
Tenant isolation, tokenization before prompts, rules engines for money math, dual approval, and hash-chained audit logs—reference design for StratEdge-class distribution platforms.
Read the analysis →5
core security principles
The next annual edition will track year-over-year movement in filing timeliness, extension reliance, and audit exposure as the 2024 data set is released.
Media, researchers, and operators: reach out for the underlying figures, methodology, or a custom cut.
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