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 · Countercyclical
Terrace
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.
What Terrace Does
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
FAQ
How does Countercyclical approach user data & privacy as it relates to AI?
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.
Where can I learn more about Countercyclical's AI practices?
