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Cowboy AI
The Platform For Composable, Cognitive, Audit‑Grade AI Swarms
Your New Business Brain & Nervous System. Cognition. Evolution. Security. Trust.
No‑Code Composable Multi‑AI Agent Orchestration At Scale
Disclaimer & Warning:
You can now ask and command the system to do anything. In plain English. And it will.
No Cognition? - No AGI!
Intelligence Alone Isn’t Enough—Cognition Is the Missing Piece.
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Hardware
Horsepower
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LLM
Raw tooling
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Cognition
Awareness of tools & State
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Your World - The Data
Clean, Holistic, Accessible, Mathematically Proven
For true AGI, systems must learn, adapt, and evolve—not just process data.
Today’s AI is trapped in silos, built on imperfect math, with no structure or guardrails.
That’s why it keeps failing.
We solved it.
By embedding cognition at the core, Cowboy AI creates an adaptive, composable architecture that continuously learns, evolves, and safeguards decision-making.
This is the breakthrough that makes AGI possible.
AI's Exponential Decay of Success
Compound Consequences - Top models deliver 95% accuracy (overall success = 0.95ⁿ)
Why AI Is Breaking at Scale
Fragmentation kills velocity
Businesses juggle many applications & tools, re‑enter data, and never achieve true sync.
The last 10% explodes compute
Teams reach 85–90% automation, then costs and fragility spike without the right structures.
Lock‑in & opacity
Cloud‑centric AI → runaway spend, brittle workflows, and audits no one can pass.
Platform First — Cowboy AI CIM
The platform for building, governing, and scaling your business with AI swarms.
Build Once, Replicate Anywhere
We're proving it in private lending/fintech first.
Repeatable & Reproduceable.
Open for Builders
Publish domain packs, swarms, and connectors other teams can adopt.
Proven Milestones
8M+ micro-transactions processed; hybrid runtime targeting >90% lower AI compute vs cloud-only baselines.
No‑code, modular agent swarms
Like little building blocks AI agents assemble and compose on the fly to execute any task.
Immutable, Security First
Immutable records, ransomware-resistant architecture
Who's Who in the Stack
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SAGE - Agent Orchestrator
The Brain
Composes and drives swarms of AIs with proof-first reasoning and event-sourced state. CIM - Platform
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Alchemist Ontology - Information System
The Nervous System
Your real-time knowledge graph: assets, tasks + relationships; audit-ready by design.
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CIM - Platform
The Body
Your CIM, Composable Information Machine, Governed by composable rules and events; model-agnostic; security-first.
Our Breakthrough — Swarm AI that actually scales
Repeatable
Commutative-diagram checks ensure different execution paths produce the same outcome.
Explainable & Auditable
Every state change is an immutable event, traceable end-to-end.
Model-Hot-Swap with Continuity
Flip between Claude / GPT / Llama / Mistral / Groq / Ollama without losing state.
90% Cheaper (Projected)
Hybrid runtime + intelligent routing = dramatic cost downs vs cloud-only.
Modular Building Blocks
Atomic functions → Extreme reuse
AI Amplification
Every employee gets an AI team on the fly
Trust by Design:
Security, Control, and Explainability at the Core
Cowboy AI delivers secure-by-default automation through a modern, composable architecture engineered for financial-grade integrity and adaptability—on your terms.
Infrastructure of Integrity
  • Apple M3 Ultra + NixDarwin for deterministic environments
  • Rust + Bevy Runtime for memory-safe orchestration
  • NATS Messaging for real-time, fault-tolerant communication
Security That Scales
  • YubiKey Hardware Auth + ECC Encryption for transaction-level trust
  • MinIO + Wasabi providing immutable, ransomware-resistant storage
  • AI Model Agnostic -Compatible for privacy-preserving AI deployment, local and cloud
Explainable Intelligence
  • Neo4j Graph Engine + Event Sourcing for auditable decisions
  • Functional Programming + TDD ensuring provable correctness
  • DDD + Conceptual Spaces aligning systems to business intent
Mathematics of Trust
  • Category Theory & Graph Theory ensuring formal correctness
  • Gradient Descent Programming for optimized agent decisions
  • Trust proven line by line, decision by decision
SAGE
Universal Development Intelligence Platform
Orchestrating 100+ Specialized AI Experts from Silicon to Solution
🎯 Complete Stack Mastery
• Nix Expert: Kernel to cloud expertise with deterministic, reproducible builds
• Resource Expert: Real-world aware - optimizes for actual memory, CPU, bandwidth constraints
• Domain & DDD Experts: Extract business essence through Event Storming and mathematical boundaries
• Infrastructure Experts: Network topology, NATS messaging, distributed systems architecture
🔬 Mathematical Foundation
• Provable Correctness: Category Theory and Graph Theory backed decisions
• CID Chain Coherence: Cryptographically linked, immutable audit trail via IPLD
• Verified State Transitions: Mathematically guaranteed system invariants
• Algebraic Message Routing: Subject hierarchies optimized with mathematical precision
🧠 Distributed Intelligence
• Zero Single Points of Failure: NATS JetStream based central nervous system
• Auto-Healing Architecture: Lose a node or datacenter - system adapts instantly
• Multi-Agent Orchestration: Symphonic coordination of specialized expertise
• Event-Sourced Truth: Every decision recorded, every state reversible
🚀 Development Acceleration
• Proactive Guidance: Anticipates needs, prevents architectural mistakes
• Living Documentation: BDD/TDD experts ensure specs, tests, and docs stay synchronized
• Compliance by Design: HIPAA, PCI DSS, GDPR built-in, not bolted-on
• Context Preservation: Seamless conversations across sessions and agents
💡 Key Capabilities
• Universal LLM Adapter: Works with Claude, GPT-4, Llama, Mistral
• Hot-Swappable Agents: Upgrade without interruption
• TEA-ECS Bridge: Perfect harmony between display and communication layers
• Graph Architecture: Event-driven systems with mathematical coherence
• Subject Algebra: Optimized NATS routing patterns
🎯 Real-World Impact
• No More "Works on My Machine": Nix ensures perfect reproducibility
• Resource-Optimal Solutions: Every decision respects actual constraints
• Domain Certainty: Your model perfectly reflects business reality
• Audit-Ready Systems: Complete, verifiable history of all changes
• Scale Without Fear: Distributed architecture handles any load
🔮 The SAGE Difference
• 100+ Specialized AI Agent Experts scaling to billions
• Mathematical Proofs not promises
• Distributed Resilience not single points of failure
• Orchestrated Intelligence not isolated tools. Like small Lego Blocks
• Domain Mastery not generic solutions
Transform your development with orchestrated intelligence.
Deploy with confidence. Scale with certainty. Evolve with intelligence.
What Sage Replaces
(or Collapses into One Platform)
From 10–15 tools → 1 composable runtime
Time ↓ weeks→hours
Spend ↓ licenses, glue code, egress
Zero single‑dev dependency
*When teams require specific pieces (e.g., ML experiment tracking), Cowboy AI can wrap rather than rip‑and‑replace—still cutting glue code, runtime cost, and cycle time.
Bottom line: Consolidate the stack, kill glue code, ship faster, and slash run costs—all while anyone on the team can step in and take over.
SAGE — Proof-First Orchestrator
What makes swarms reliable
Turns LLMs into cognitive extensions of a rigorous reasoning engine.
  • Builds Conceptual Spaces (spherical Voronoi tessellation) and derives Knowledge Graphs via cim-graph integration
  • Event-sourced cognition (e.g., NATS JetStream); 180 expert agents and counting (Limitless); universal LLM support
  • Questions everything: demands mathematical proof (commutative diagrams) before execution
Alchemist Ontology — Your Information System
A living map of processes, workflows, assets, tasks, and relationships.
  • Real-time sync across complete system → single source of truth; audit-ready by design
  • Self-serve analytics and permissions with immutable history
  • Unified Data Architecture (graph + events) with ‘One & Done’ input; eliminate silos and duplicates
How It Works
End-to-end
AI Command Center
Multi‑device, 24/7 orchestration, unified BI, ransomware‑proof
Command
Plain-English
SAGE composes a swarm
Evaluates models/tools; checks commutation.
Alchemist persists
Graph + events
Outputs
Workflows, decisions, or generated software.
Every decision is traceable and replayable.
Every message is Zero‑Trust + ECC encrypted; immutable event logs
Private Lending Vertical
Proving the platform
Lead-to-Loan orchestration
No rip-and-replace.
App abstraction & replacement
Learn behaviors, run side-by-side, then replace legacy (e.g., underwriting monoliths).
Multi-bank submissions
Compile and route packages to each bank's preferred portal/format.
Security at the edge
Role hierarchies, content-ID and message-level controls.
Adaptive Learning & Training
Identifies skill levels; continuous upskilling aligned to goals
Projected Outcomes
80%
Faster origination
30 → 6 days
5×
Productivity
Increase per team member
30%
Strategic time shift
From manual to high-value work
$500K+
Annual ROI
For mid-size firms

Disclosure: Modeled projections based on pilot assumptions and internal benchmarks; not yet validated in production.
Unit Economics — Hybrid Model
90% cost reduction vs cloud-only baselines
Via local/hybrid inference + intelligent routing
  • Micro-transactions per agent task
  • Scale to billions with event logs + backpressure
  • Dominate the AI orchestration market with our head start
Go-to-Market — Vertical First, Platform Always
Private Lending Engine
  • Outreach to 1,300+ lenders
  • Reseller pipeline
  • 2% close math as the base case
  • ~26 customers / $2.5M+ ARR
Association channel: NPLA discussions underway (trusted-provider path).
Platform Motion
  • Publish domain packs
  • Enable third-party builders
  • Certify partners
Positioned to dominate the AI orchestration market.
Business Model — SaaS + PaaS
SaaS
Subscription tiers for the lead-to-loan capability set.
PaaS
Governed access to Cowboy AI CIM (usage-based orchestration/runtime; hybrid/on-prem options).
Reseller + Affiliate
Competitive Positioning
Our MOATs for dominating the AI orchestration market
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Composable micro-agents
Build once, reuse everywhere
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Model hot-swap with continuity
Switch models without losing state. Repeatable. Explainable
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Graph + event sourcing
Audit-ready by design
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No vendor lock-in
BYO models, hybrid deployment
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Conceptual Spaces - Cognition
Cognitive and Evolutionary by design
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Hybrid Model
Up to 90% Cost Reduction & Minimize Latency
AI Orchestration Competitive Comparison Matrix
Legend: ✓ = Fully supported/core strength | △ = Partial/limited support or early-stage feature | ✗ = Not a focus/not supported
This comparison highlights Cowboy AI's competitive positioning with comprehensive feature coverage across critical automation capabilities, matching or exceeding competitors in key areas like multi-agent orchestration and end-to-end business automation.
Our Leadership Team
Jacob Kopilovitch - CEO
Serial entrepreneur with over 20 years of experience driving strategic vision, business growth, and organizational leadership across multiple industries.
David Kopilovitch - COO
Operations executive with 17+ years of expertise in back office management, process optimization, and detailed execution of complex business operations.
Steele Price - CSO
Technology visionary with 40+ years of experience, including 10 years as Microsoft MVP and core team member for .NET language development. Led major enterprise integrations including US Airways & America West merger, consistently breaking technological boundaries.
Kathryn Freeman - CBO
Accomplished entrepreneur and senior advisor with 17+ years guiding fintech and lending companies. Specializes in developing strategic sales, marketing, and business development initiatives for Fortune 500 organizations.
Mark Sonnenklar - CLO
Premier business and intellectual property attorney with 25+ years of experience in corporate and private law across the West Coast, providing strategic legal guidance and risk management.
Ryan Plemons Senior Architect & AI Lead
Veteran technology leader with 30+ years as a senior engineer, specializing in AI implementation and product development strategy that bridges innovation with practical business applications.
Blake - Graphic Design
Creative technologist with 12 years of experience spanning UI/UX design, Web Development, Marketing & Branding, bringing a unique blend of technical knowledge and creative vision to digital experiences.
Daniel - Security Engineer
Cybersecurity specialist with 15 years of experience in security infrastructure, PKI implementations, and Linux/NixOS systems administration, ensuring robust protection for mission-critical systems.
Kaleb Masterson - Security & AI Intern
Emerging talent focused on the integration of security protocols with AI systems, bringing fresh perspectives to our security architecture and implementation.
Jonathan Lee - DevOps Engineer
Infrastructure specialist with 11 years of experience optimizing deployment pipelines, cloud architecture, and ensuring seamless integration between development and operations.
Jaxson Aubert - Sales Intern
Rising talent with 3 years of software sales experience, specializing in AI functionality demonstrations and client relationship development.
Gal Bareket - Senior Advisor
Accomplished serial entrepreneur with multiple successful exits, serving as a strategic advisor and board member to numerous fintech companies and private lending organizations.
Our Partners
Terry O'Daniel

www.linkedin.com

Keco Capital

KÉCŌ Capital

KECO CAPITAL - funding by investors for investors.

KECO CAPITAL was formed by investors to serve investors. Founders, Kekoa and Cory, envisioned a full-service lending company serving new and seasoned investors. Whether they are funding a single family renovation or a new construction hotel, they are passionate about offering their expertise to build long-lasting relationships.

Roadmap
Next 6-12 months: Building the Foundation
  • Scale Private Lending Market Expansion
  • Launch Partner Program
  • Expand into adjacent FinTech operations
12-18 months: Scaling and Expansion
  • Secure Second Funding Round & Cultivate Strategic Vertical Partners
  • Expand Into Future Verticals: M&A, Robotics, Legal, Supply Chain…
  • Curate Developer Marketplace
Each milestone strengthens our position to dominate the AI orchestration market with our significant head start.
Strategic Growth Roadmap
Dominate Private Lending Market
Establish market leadership within 12-18 months by onboarding 25 strategic customers and positioning for a major vertical partnership or exit in growth stage
Generate Early Investor Returns
Create liquidity events to reward initial investors while strategically reinvesting capital to fuel cross-vertical platform expansion
Scale Across High-Growth Verticals
  • Real Estate & Tokenized Securities
    $215.2B market (2024) growing to $16T by 2030
  • Industrial Robotics
    $16.5B market (2023) expanding to $163B by 2030
  • Personal Robotics
    $28B market (2023) reaching $100B by 2032
  • M&A Integration Solutions
    $8B market (2023) growing to $22B by 2031
  • Social Media Advertising
    $80-95B projected ad spend by 2025
  • Retail Automation
    Streamlining operations, supply chain management and enhancing customer experience
  • Legal Process Optimization
    Transforming document management, case analysis and predictive legal tools
Our vision is to become the definitive platform for AI Agent Orchestration, delivering transformative solutions wherever fragmented systems and repetitive processes are inhibiting innovation and growth.
Appendix
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Architecture & Governance
CIM control-plane vs data-plane; event sourcing, replay.
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Model Governance & Audit
Immutable history, role controls; audit walkthrough scenario.
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Private Lending Flow Details
"11+ apps → abstraction → replacement" with KYC/underwriting/bank submissions.
These detailed appendices demonstrate the depth of our solution and reinforce our position to dominate the AI orchestration market.
Alchemist Ontology
Sage
Orchestrator
Conceptual Spaces
Advanced Features