Skip to content
Book a demo
Operating System for Enterprise Excel

Decades of business logic, locked in spreadsheets. Now governed, AI-ready, and built to scale.

Coherent is the operating system for your Excel estate. Your teams stay in Excel. Your business moves at market speed.
Book a Demo
80%
Faster product launches
Global Tier 2 Insurer
20K
Hours saved on model risk
Big 4 Consultant
75x
Faster model runtime
Multinational Life Insurer
3B+
Tests Executed
Across 100+ Financial Services Firms
insights product browser
control product browser
spark product browser
Rating & Pricing Modernization Model Risk & EUC Governance Finance Transformation Actuarial Modeling Audit & Compliance M&A Due Diligence Underwriting Automation Rating & Pricing Modernization Model Risk & EUC Governance Finance Transformation Actuarial Modeling Audit & Compliance M&A Due Diligence Underwriting Automation

Trusted by 150+ insurers and financial institutions

Chubb Logo
Pacific Life Logo
Axis Logo
Prudential Financial Logo
AXA Logo
BHSI Logo SVG
True Property Insurance Logo
FWD Insurance Logo

Who We Work With

The logic layer connecting every team whose work lives spreadsheets.

The actuary's model is the production system

The pricing logic, assumptions, and rating tables your team builds become the systems the business runs on. You keep the modeling flexibility that makes the work yours.
Hours to deploy rate changes Zero rewrite tax Every version traceable
Version drift ends at the source
One model, traceable to the actuary who last signed off. No reconciling three versions across three desks before every rate change.
Rate filings without the reassembly
Evidence for regulators generated from the live model — not rebuilt from archived workbooks the week filing is due.
AI and downstream systems run the approved version
Every agent, every integration, every quote calls the logic you actually signed off on.

Senior judgment, on every desk

The appetite rules, referral triggers, and rating logic your best underwriters built — applied consistently across every broker, portal, and junior desk.
Zero premium leakage across channels Rating that doesn't drift between desks Every rule departure audit-logged
Referrals fire before the quote goes out
Triggers catch drift at the moment of underwriting, not in a post-bind review that finds the exposure after it's on the books.
Weeks to market on new products and rate moves
Respond to loss trends, filing requirements, and market shifts without waiting on an IT release cycle.
No retraining, no new tools
Underwriters keep working in the spreadsheets they trust. The business keeps the flexibility that makes complex risk manageable.

A defensible model estate, before the examiner asks

Every spreadsheet-driven model discovered, risk-scored against your own policy framework, and governed in place. SR 11-7, BCBS 239, and IFRS 17 evidence generated at the moment of action — not assembled under deadline.
100% estate coverage, no sampling Seconds to examination evidence Every change cryptographically logged
Inventory structured to your policy, not a generic template
Risk tiering reflects the classification framework your examiners already know.
Tier 1 models out of the EUC risk zone
High-risk logic becomes governed, versioned, and deterministic. Outside the spreadsheet risk boundary.
A board-ready risk picture on demand
A live view of model exposure across the estate, available the day leadership asks — not the quarter after.

The close is faster, the audit trail is already there

The FP&A, reconciliation, and reporting logic your team depends on — brought under governance, version control, and continuous audit. The close stops being a monthly fire drill.
90% less audit prep time Days, not weeks, to close Zero manual rekeying
Governance inside the change cycle
Minor adjustments auto-apply. Material shifts escalate with immutable sign-off. Every close carries its own evidence.
Reconciliations that feed the core directly
Governed logic flows into SAP, Oracle, and SS&C without manual rekeying or version-dependent errors.
Key-person risk removed
Critical financial logic governed and accessible across the team — not locked to one analyst's laptop.

IT governs the infrastructure, the business owns the logic

The spreadsheet estate inventoried, risk-scored, and brought under IT-approved governance, with governed APIs between business logic and your core systems.
30% less IT workload on logic changes Every AI agent audit-traceable Zero new architecture
No rip-and-replace, no new stack
Coherent sits between the business logic estate and your PAS, ERP, and CRM via standard REST APIs. Your existing architecture stays intact.
The IT backlog gets its hours back
Business logic changes stop flowing through developer tickets. Business owners make the change. Governance enforces the guardrails.
AI deployments that can survive an audit
Every LLM and agent calls governed, versioned logic. When the regulator asks what the model was running, the answer is already logged.

Inside the Operating System for Excel

One Platform to Operationalize Your Logic Layer — and the AI Built on Top of It.

INSIGHTS · The Intelligence Layer

Know what's in your Excel estate, and what it's doing for your business

Coherent scans your shared drives, desktops, and cloud folders and builds a live map of the Excel logic running your business — complexity, dependencies, drift, hidden PII, undocumented models. No tagging. No interviews. The estate you couldn't see is now something you can act on.
Explore Coherent Insights
  • Deterministic structural extraction first, AI recommendations second — never guessing what's in a workbook
  • Map every model's complexity, dependencies, and version sprawl in one pass — usable as the foundation for AI, audit, and migration work
  • Surface hidden PII, undocumented logic, and model risk across the estate
Insights

CONTROL · The Governance Layer

Governance that knows the difference between a tweak and a risk

Minor adjustments flow through automatically. Material shifts escalate to the right approver. Every change tracked, every approval enforced, every audit trail generated at the moment of action — not assembled retrospectively.
Explore Coherent Control
  • From ungoverned spreadsheet to enterprise-controlled workflow without leaving Excel
  • Submit, Review, Approve — governance actions live inside Excel, not in email chains
  • Cryptographic fingerprinting locks every version and tracks every change centrally
Operating System for Enterprise Excel (4)

SPARK · The Logic Layer

Your Excel logic, callable by every system and AI agent in your stack

Pricing models, calculation rules, risk thresholds — compiled from governed Excel into versioned, sub-100ms APIs that any downstream system or AI agent can call. The expert stays in Excel. The logic ships to production.
Explore Coherent Spark
  • No code rewrites — upload governed Excel, get a production-ready API
  • Sub-100ms response times with auto-scaling and scenario testing
  • Git-style version control with formula-level history and one-click rollback
Spark

AI LAYER · AGENTIC INTELLIGENCE

Agent applies your policies · Every decision logged · Customer-defined taxonomy

Governed logic Versioned · Auditable
Structured data AI-consumable · API-ready
Defensible AI output Explainable · Regulator-ready
Why Coherent

The business logic trusted by your team, your AI, and your auditors

Speed to Market

Launch in days, not quarters
Convert Excel-based pricing, underwriting, and rating logic into production APIs without recoding. Speed becomes a competitive lever, not a capacity question.

Governance & Audit

Regulator-grade by default
Full version control, audit trails, and maker-checker workflows on every model. A complete lineage of every change, approval, and deployment — generated as the work happens.

AI-Ready Logic

Make your logic the engine of AI
AI tools can process data, but they can't see your business logic. Coherent makes your governed Excel reasoning callable by any AI agent, copilot, or automation pipeline.

Operational Scale

Enterprise performance, no replatforming
Sub-100ms API response times at enterprise scale. Your teams keep working in Excel while Coherent handles production-grade execution.

“Coherent lets us modernize without losing what makes Excel so powerful. It’s flexible, fast, and easy to connect to anything. For small data, heavy logic work — nothing else compares.”

- Actuarial Software Development Lead, Global Tier 1 Specialty Insurer

CUSTOMER OUTCOMES

Proof that transformation doesn't have to be disruptive.

From embedded quoting to audit-ready spreadsheets, see how insurers are shipping faster, operating leaner, and scaling smarter.
6x
faster launches without rebuilds
Read the story
4x
advisor tool delivery
Read the story
99.6%
faster modeling runtime
Read the story
90 days
from pilot to production
Read the story
80%
faster product launches
Read the story
$450K
development cost reduction
Read the story

Still have questions?

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 leaving the spreadsheet, without a rewrite, and without forcing a choice between flexibility and control. One model, governed once, executable everywhere it's needed.

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.

Grow your business with logic you can trust

Coherent helps enterprises discover, govern, and operationalize the logic running across their spreadsheet estate — without rebuilding any of it.
Book a demo
  • Deploy in Days
  • No Migration Required
  • SOC 2 Type II Certified