Coherent

What does Coherent do?

Coherent is the operating system for your Excel estate's business logic. It transforms Excel-based models — pricing, risk, financial close, compliance — into governed, versioned, API-connected enterprise infrastructure without recoding or migration. Your experts stay in Excel.

How is Coherent different from other enterprise tools?

Most platforms in this space solve one piece of the problem. EUC and model risk tools inventory what exists and flag risk, but the logic stays ungoverned. Decision engines and rules platforms run logic in production, but require rewriting it out of Excel first. Low-code tools speed up app development but don't touch the underlying business logic. AI platforms move data, but can't see the reasoning that determines actual outcomes. Coherent is the layer that connects them. The same Excel-based logic your team builds gets discovered, governed, and made callable as production APIs — without leavin

Do we have to migrate off Excel or rewrite our models?

No. Coherent is built on the opposite premise. Your existing Excel models stay in Excel — including the formulas, structure, and assumptions your team has refined over years. Coherent compiles governed versions of those models into versioned APIs, scans your estate for risk and dependencies, and adds governance workflows inside Excel itself. There's no rewrite, no replatforming, and no new tool for modelers to learn.

How long does it take to deploy?

Most customers see their first governed model in production within days of starting, not quarters. Coherent connects to your existing Excel estate without IT migration work, and our deployment teams have run implementations across actuarial, underwriting, finance, and risk functions at firms ranging from regional carriers to Tier 1 globals. The starting point is usually a single high-value workflow — a rating model, a close process, a high-risk model under examiner scrutiny — not a platform-wide rollout.

How does Coherent fit with our AI strategy?

AI agents and copilots are good at processing data, but they don't have access to your business logic — the rating rules, pricing assumptions, and risk thresholds that determine actual outcomes. Coherent makes that logic callable by any LLM, agent, or automation pipeline through governed APIs. When an agent quotes a policy, scores a risk, or runs a scenario, it's calling the same approved logic your team signed off on, with every call logged. AI deployment becomes auditable instead of opaque.