Governance-sensitive companies
Teams accountable for sensitive data and consequential AI decisions.
CRITTORA
Trust infrastructure for AI in regulated industries.
Cryptographic protection. Explicit authority. Verifiable proof.
The vision
No consequential action without explicit authority.
As software gains the power to act, protection and proof must become part of execution—not an afterthought.
ProtectAuthorizeProve
The missing control
AI can act.
The security model still assumes it waits for permission.
IdentityWho is acting?
AuthorityWhat is it explicitly allowed to do?
ProofWhat actually happened?
The gapShould this action be allowed now + can you prove it?
The beachhead
Start where AI can’t move into production without explicit trust.
Mortgage AI builders
Builders moving AI from recommendation into operational workflows.
Mortgage platform partners
Platforms connecting lenders, servicers, vendors, agents, and buyers.
Mortgage proof→WWT-oriented finance→Government + regulated industries
The solution
Crittora secures the moment software acts.
Crittora Secure
Protect sensitive payloads and transactions.
+
CAAB
Verify authority before execution and retain signed evidence.
MAR 03 Freddie Mac 1302.8JUN 11 MISMO FRAMEAUG 06 Fannie Mae LL-2026-04
Market-timing signals only. No certification, endorsement, or guaranteed compliance implied.
The market
A focused wedge opens a much larger platform opportunity.
$9.2Bbroader U.S. annual recurring revenue potential
114,382 firms with 100+ employees
$785.9MFinance three-product TAM
$78.6MFinance planning SAM
Management-derived estimates using Census firm counts, current pricing assumptions, and a planning-readiness filter. Not a third-party forecast.
Defense in depth
AI Defense in Depth still leaves a critical gap.
Layered controls reduce risk across identity, access, monitoring, and credentials. Today’s stack stops short at the point of action: authorizing the exact transaction now and proving the result.
AI agents + autonomous workflowsSystems that initiate action
IdentityWho is acting
Access + connectivityHow tools are reached
Monitoring + AI securityWhat appears risky
Credential infrastructureHow secrets are protected
Crittora CAAB — authority layerAuthorize this action now—or fail closed
Crittora Secure — proof layerProtect, sign + retain tamper-evident proof
Enterprise systemsWhere state changes occur
Crittora’s market wedgeAuthorizeat execution time↓Provewhat occurred
In-flight validation
One authority layer across the transaction lifecycle.
Daily Human + VIT
Implementation FocusProtect sensitive information as it moves between people, business systems, and AI agents.
Sensitive data enters›Access is checked›Approved use only›Proof is recorded
SwirePay
Working POCVerified cash-to-close orchestration for title companies and buyers.
Request funds›Link bank securely›Confirm payment›Prove payment
Final production integration is being validated.Surf Local
Integration LaneAuthority and proof embedded into a consumer-first real-estate platform.
Client acts›Authority checked›Exchange verified›Proof retained
Partnership and platform-integration workstream; rollout scope is being defined.CertifiedMISMO FRAME Partner
MISMO—the Mortgage Industry Standards Maintenance Organization—is the mortgage industry’s standards body. FRAME is its responsible-AI governance toolkit for mortgage lending.
Business model
Recurring value scales with controlled execution.
Annual platform commitment+Included controlled-action volume+Usage + enterprise terms
$60K–$240K+Current recurring annual plan range
$10KSeparate setup + consultation fee
$150KWeighted ACV planning assumption
Pricing has been defined. Customer mix, retention, gross margin, acquisition costs, and payback periods will be validated through production contracts.
Management team
The people behind Crittora.
Doug Long
Managing Partner + CEO
Erik Rowan
Managing Partner + President
Gerardo I. Ornelas
Managing Partner + CTO
Peggy Bodinaku
Managing Partner + CMO
Rick Q. Chin
VP of Client Strategy
John Darke
VP of Sales
Advisory board
Experienced leaders around the table.
Dr. Dan Conway
Chair, U.S. Blockchain Technical Committee (INCITS)
Troy McClain
CEO, Tovuti
Tony O’Keefe
Director, SANS Institute
Saneel Amin
CFO, Fortress Information Security
Michael Okaty
Partner, Foley & Lardner LLP
The investor takeaway
Build the trust layer for state-changing AI.
Continue the conversation about the round, technical proof, and mortgage go-to-market.
- 01Software is moving from intelligence to consequential action.
- 02Crittora controls the execution boundary others leave open.
- 03Mortgage provides concrete workflows and regulatory urgency.
- 04Three named workstreams are validating the trust architecture.
- 05The wedge expands toward a $9.2B U.S. platform opportunity.