Logs and reports client meals, gifts, and entertainment spend against jurisdiction-specific disclosure limits (FINRA 3220, Sunshine Act, state gift bans) for compliance officers at broker-dealers, pharma, and gov-relations teams. · regulatory compliance software
DEAD SLOW · CAUTIOUS
5.6 ShipScore / 10
Established compliance spend is strongest; Ramp bundling makes entry weakest.
Condition: Only build if you win a niche Ramp ignores — mid-size broker-dealers or gov-relations teams — with a maintained multi-jurisdiction rule library and signed design partners before code.
Part I — The Verdict what the instruments read
01 — The ShipScore breakdown
Control
6
Own SaaS, but leans on Concur/Ramp/ERP integrations for expense data
Mandatory reporting budgets exist, but idea is multi-vertical me-too, no named wedge
Time-freedom
6
Productized, yet enterprise compliance demands implementation and audit support
Scale
6
High-ACV regulated buyers, mostly US rule sets; limited seat count
What the five commandments measure
C — Control
Do you own the customer, or does a gatekeeper stand between you and revenue?
E — Entry
How hard is this to copy once it works? A rival's existence isn't the question — the durability of their advantage is.
N — Need
Is demand proven with money rather than vibes?
T — Time
Can income detach from your hours, or did you buy yourself a job?
S — Scale
How far does it reach without linear cost?
Scored on the evidence below, against CENTS as we've adapted it plus a Buffett-style moat reading of every rival — the same referee for every idea, including the ones we generate ourselves. The verdict follows the arithmetic: we never relabel a score to make it read better, and the weakest commandment is always named. The exact rubric stays in-house so the scale can't be written for.
02 — The pace test — $1M/yr
At $1200/mo (assumed category price), you need 70 subscribers for a $1M/yr pace.
No tracked rivals with verified revenue to benchmark against.
Part II — The Evidence the receipts, good and bad
03 — Rival scan
No similar products found in the radar corpus — either genuinely novel, or too small to track.
Ramp — Bundles Sunshine Act/NPI tracking free inside the card and expense platform
Feature-not-product: expense platforms absorb gift/meal limit checks as a checkbox
Rule library maintenance across FINRA, CMS, and 50 state gift bans is ongoing cost
Enterprise compliance sales cycles of 6-12 months against zero brand trust
Buyers may accept 'good enough' spreadsheets plus existing Concur reports
06 — Kill switches — what kills this with one decision
Ramp/Concur/Brex expanding native jurisdiction limit checks — Free bundled feature removes the entire reason to buy a point tool
Expense platform API or partner-program access — Losing Concur/Ramp data connectors leaves you with manual imports nobody tolerates
CMS or FINRA changing reporting formats — Forces urgent rewrite; late compliance updates destroy trust with regulated buyers
Part III — The Plan if you insist on proceeding
07 — What this scan can't tell you
Cannot size actual willingness-to-pay — no tracked MRR or pricing for any comparable
Unknown how deeply Ramp's Sunshine Act feature covers state gift bans and FINRA
No visibility into whether compliance officers own budget or IT/finance does
Scores judge the market and business model — not your ability to execute. Verified MRR = independently tracked revenue; reviews/upvotes = platform-reported. Judged 2026-08-19.
08 — The wedge & the next step
Serve mid-size broker-dealers and gov-relations teams that Ramp and StarCompliance skip, with a maintained 50-state gift-limit rule engine and audit-ready exports.
Cheapest next step: Cold-email 15 compliance officers at mid-size broker-dealers and pharma; ask how they track gift limits today and what they pay for it.
Not quite it? Spin the model
Business-model variations of this idea, engineered to beat 5.6 — different vertical, audience, model, or wedge. Same harsh scale. Pro feature.
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Weekly re-scan against the live corpus. If the market moves this ShipScore by a point, or flips the verdict, you hear about it. Free while we're small.