Trust & transparency
The boundary is part of the product.
OptimaYield separates sourced facts, derived metrics, candidate signals, reviewed intelligence, and unavailable information so confidence is earned rather than implied.
Official sources
Published regulatory observations retain institution, period, field, batch, retrieval time, and source lineage.
Versioned formulas
Ratios and peer statistics disclose definitions, units, null behavior, population rules, and effective versions.
Governed intelligence
Candidate links and machine-generated explanations stay private until identity and evidence review permit publication.
What OptimaYield will not do
- Convert missing values to zero.
- Present candidate identity links as verified relationships.
- Describe arithmetic screens as regulatory or investment ratings.
- Silently rewrite historical outputs after revisions or mergers.
- Claim confidential knowledge, supervisory conclusions, or purchasing intent.
Independence and commercial boundaries
Public facts are not ranked by sponsorship. Future paid capabilities may include workflow, monitoring, collaboration, exports, and licensed distribution. Commercial relationships will not change source facts, definitions, publication review, or correction handling.
Data classification by tier
Every piece of data OptimaYield touches sits in exactly one of four tiers, and the tier decides what protections apply, not who is asking.
- Tier 1 · Public
- Officially published regulatory facts: FDIC, FFIEC, Federal Reserve, SEC, and NIC filings. Open to every visitor, no account required.
- Tier 2 · Derived
- Metrics, peer statistics, and screens OptimaYield computes from Tier 1 data. Versioned and disclosed, never mixed with Tier 1 facts without a label.
- Tier 3 · Institution-submitted
- Information an institution gives OptimaYield directly: a Deposit Gap Report request, or, once available, paid workspace account data. Access-controlled to that institution and the team preparing its report, and never used to change a public fact, ranking, or screen result for anyone.
- Tier 4 · Never handled
- Passwords, account numbers, API keys, confidential supervisory information, and customer financial data. OptimaYield's own intake forms ask submitters not to send these, and no workflow is built to accept them.
Client-data firewall
Tier 3 institution-submitted data stays isolated from the public research catalog by design: the same commercial-independence rule already governing paid plans (plan selection never changes a bank's ranking, metric formula, severity, evidence eligibility, or editorial conclusion) applies just as strictly to a Deposit Gap Report request or a future paid workspace account. As of this writing, the commercial workspace that would hold Tier 3 account data beyond a report request is not yet active for paying customers (see Pricing and plans), so there is no live client data in production today, but the isolation is built into the architecture from the start rather than added after the fact.
SOC 2 timeline
OptimaYield has not started a SOC 2 audit and does not claim SOC 2 compliance today. The readiness assessment begins once the commercial workspace holds real institution account data beyond a one-time report request. The trigger is the presence of that data, not a calendar date. This page will be updated the day that assessment starts, and again when a report is available to share.
Challenge the record
Every institution has a corrections path. Material accepted corrections preserve the prior value, evidence, reviewer action, and publication history.