Terrace
Countercyclical's proprietary AI feature that's been purpose-built for surfacing off-balance sheet (OBS) liabilities such as synthetic leverage, variable interest entities (VIEs), guarantees, and more
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Countercyclical's proprietary AI feature that's been purpose-built for surfacing off-balance sheet (OBS) liabilities such as synthetic leverage, variable interest entities (VIEs), guarantees, and more

Terrace is Countercyclical’s AI-powered risk analysis engine designed to detect off-balance sheet liabilities, hidden leverage, and unreported financial exposures in corporate filings. It integrates seamlessly into our institutional-grade research platform and provides analysts with verifiable, source-linked insights.
Terrace analyzes structured and unstructured financial documents—such as SEC filings—to uncover n-order risks that may not be visible in traditional balance sheet analysis/due diligence processes.
Each insight Terrace generates includes:
A concise risk observation
A confidence score
Direct source attribution (quote, section, and link to EDGAR)
Optional user ratings and feedback
We take user data and privacy very seriously, and Countercyclical does not provide any user data to AI models.
Given that Terrace is a feature add-on available only to users actively paying for the service, we perform strict server-side/back-end validation checks to see if a user has access to the feature, alongside their ability to generate insights for companies for every request made.
You can visit our trust & security center at https://security.countercyclical.io to learn more about how Countercyclical uses AI.
Please send us an email at [email protected] if you have any questions
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