Skumu OS · Investor Prototype · v4
The operating system
for public capital.
Skumu finds what humans miss. Proves it. Turns it into wins.
Without Skumu
3–5 hours
With Skumu
12 minutes
Risk Avoided
$480K+
Charge Collective
Fix Requirements + Control Spend
🏛
Gov Affairs
Update Rules
🎓
Student Aid
Approve Aid
🏘
Affordable Housing
Map a Funding Stack
No proof = no claim.
Guided Mode — self-driving demo · click Next to advance
Skumu OS Charge Collective Portfolio
DEMO
Step 1/5
Click See Issue to open the opportunity — Skumu found a hidden rule.
View:
Portfolio
Charge Collective · City of Riverside · EV Infrastructure
Why Skumu Intelligence is different
Three things no human can do at scale — every mode, every time
Superpower 1
Finds Hidden Rules
Buried in attachments, footnotes, office Q&As — rules humans miss entirely
→ Creates a checklist step automatically
Superpower 2
Detects Changes
Rulebook updated? Deadline moved? Skumu shows you exactly what changed and what to do
→ Shows diff + updates your pack
Superpower 3
Creates Next Actions
Not recommendations. Actual steps added to your checklist, labeled "suggestions" so humans decide
→ One click to add to plan
Without Skumu
3–5 hours manually reading attachments, footnotes, and Q&A documents.

No signals. No proof trail. No alerts when rules change.
Skumu Intelligence
No proof = no claim.AI suggests. Humans decide.
Signals Detected
⚑ Hidden Rule: 180 kW minimum ✓ Jurisdiction eligible ⚠ LOI deadline in 10 days ✦ Deadline risk flagged
Actions Created
ROI This Mode
Signals Detected
4
Changes Caught
2
Time Saved
~4 hrs
Asymmetry Score HIGH — Hidden rules detected
↓ scroll for opportunities
⚠ Without Skumu — Manual Process
Read 140-page NOFO to find power spec requirement
No signal when requirements change between drafts
LOI deadline buried in program FAQ attachment
No audit trail — email threads only
Active Accounts
12
↑ 2 this month
Open Targets
34
8 need attention
Funding Tracked
$4.2M
↑ $380K
Blocked Items
2
action needed
Opportunities
4 matched by Signal Engine
OpportunityProgramAsymmetryMatchStatusDeadline
EV Infrastructure — Phase 2 DOT NEVI FY2025 HIGH 94% BLOCKED Feb 28
Green Infrastructure FundEPA RollingMED85%ACTIVEMar 15
Metro Transit FleetFTA §5307MED91%ACTIVEApr 01
EV Infrastructure — Phase 2
DOT NEVI FY2025 · BLOCKED
Skumu Intelligence
No proof = no claim.
Signals
⚑ Hidden Rule: 180 kW spec ⚠ LOI URL missing (client) ✓ Population ≥ 75K met
Actions Created
Proof Loop
Found: "180 kW/port minimum"
Impact: Site is BLOCKED
Action: "Fix spec" step created
Power Specification
BLOCKED
Current: 150 kW — DOT NEVI requires 180 kW minimum
Skumu detected this rule in a program attachment on p.14 of the NOFO.
LOI Link
INCOMPLETE
Client must provide official Letter of Intent URL. Client role can add this.
🔗
Client: paste LOI URL here
Application Checklist
Jurisdiction eligibility
Population threshold ≥ 75K
!
Power spec 180 kW minBLOCKED
LOI URL submitted
Client
Budget narrative
Key Date
LOI DeadlineFeb 28 — 10 days
Money Map
Charge Collective · EV Infrastructure — plain English ROI
What We Found
Power spec requirement buried in NOFO attachment p.14
LOI deadline in program FAQ (not the main document)
Population threshold raised from 50K → 75K in latest update
What We Did
Fixed power spec + created correction step
Set deadline alert 10 days before LOI cutoff
Assigned LOI URL task to client role
What We Avoided
Win Condition
Disqualification for wrong power spec
Missed LOI deadline → full cycle lost
$2.4M
Grant at risk, now in motion
The Skumu Flywheel — Charge Collective
Rules Drift
Detected
Proof
Generated
Action
Created
Outcome
Logged
Control Spend
Charge Collective · Valley Utility Co. · Fleet Charge Program
Charge Collective · Skumu's own $20-45M proof-of-concept
Skumu Intelligence
No proof = no claim.AI suggests. Humans decide.
Signals Detected
⚑ Prohibited: Conference Travel ⚑ Prohibited: Branded Merchandise ✓ Personnel costs in range ✦ Reallocate travel → outreach
Actions Created
ROI This Mode
Risk Avoided
$11.7K
Items Flagged
2
Audit Risk
Blocked
⚠ Without Skumu — Manual Process
Finance team reads 2 CFR 200 to find prohibited cost list
Conference travel routinely slips through on first pass
Audit finding discovered 6 months after submission
$11,700 clawback risk, reputation damage
2 Prohibited Items — Pay Blocked
Remove to unlock payment authorization
Line Items
Total: $74,900
Personnel – Project Manager (0.5 FTE)
$42,000
Conference Travel PROHIBITED
$8,500
Community Outreach Events
$15,000
Branded Merchandise PROHIBITED
$3,200
Consultant Fees – Legal Review
$6,200
Compliance
Personnel under 60% cap
!
No prohibited expenditures
Matching funds documented
Pay Authorization
BLOCKED
Money Map
Charge Collective · Fleet Charge — plain English ROI
What We Found
2 prohibited line items in submitted budget
Conference travel violates 2 CFR 200.432
Branded merchandise explicitly excluded by program guidance
What We Did
Flagged + blocked payment until items removed
Generated proof links for both prohibition rules
Logged removal actions in audit trail
What We Protected
$11.7K
Clawback risk eliminated
Audit finding avoided
Reputation protected
Office Requirements
Gov Affairs · Rep. A. Kim — Transportation Subcommittee
Skumu Intelligence
No proof = no claim.AI suggests. Humans decide.
Signals Detected
⟳ Office rules changed (v2.1→v2.3) ⚑ Deadline moved: Mar 15→Mar 1 ⚠ 2 support letters missing ✓ Budget format accepted
Actions Created
ROI This Mode
Rules Changes
2
Deadline Moved
–14 days
Asymmetry
HIGH
Asymmetry ScoreHIGH — Office rules drift detected
⚠ Without Skumu — Manual Process
Check office website manually each week for requirement changes
Deadline moved without notification — missed by most applicants
District Map requirement added mid-cycle, no alert system
Result: incomplete pack, rejected by office staff
Office Rules Updated — Rep. Kim v2.1 → v2.3
District Map now required. Deadline moved to Mar 1.
Request Pack Checklist Diff
INCOMPLETE
Project Narrative (2 pages)
Budget Summary
Letter of Support – Mayor
Congressional District Map
Not yet required
Environmental Clearance
Deadline
Rep. Kim Submission Mar 15 (original)
Diff View
No changes yet
Apply rule update to see checklist diff →
Office Rule History
3d ago
Rules v2.1 confirmed
System
1w ago
Office selected — Rep. Kim
M. Chen (User)
Money Map
Gov Affairs · Congressional — plain English ROI
What We Found
Office rules changed mid-cycle (missed by most filers)
District Map added as new required document
Deadline moved 14 days earlier with no direct notice
What We Did
Detected rule drift instantly via Skumu Intelligence
Updated checklist with diff (add/remove/update)
Corrected deadline alert automatically
What We Won
Pack compliant before submission window
Client didn't lose the cycle
Cycle Saved
Rules drift → Request Accepted
Student Aid Case
Education · Riverside Community College · PENDING
Skumu Intelligence
AI suggests. Humans decide.
Signals Detected
⚠ Missing: Enrollment Verification ⚠ Missing: Income Documentation ⚠ Missing: SAP Status ✦ Approval bottleneck: 3 items
Actions Created
ROI This Mode
Docs Missing
3
Back-and-Forth
Eliminated
Time to Clear
~12 min
⚠ Without Skumu — Manual Process
Aid coordinator emails student, waits days for each document
No single checklist — items tracked in spreadsheet + email
Approval requires printing, signing, scanning
Audit trail: none (emails deleted)
Student A
Need-Based Aid / Emergency Grant
PENDING
Progress2 / 5
FAFSA Confirmation
Residency Proof
Enrollment Verification
Income Documentation
SAP Status Confirmed
Audit Log
3d ago
Case Student A opened
T. Williams (Admin)
2d ago
FAFSA confirmed, Residency uploaded
System
Money Map
Education · Student Aid — plain English ROI
What We Found
3 missing documents blocking approval
Enrollment verification gap — would cause 2-week delay
SAP conflict flagged before submission
What We Did
Generated checklist + gated approval until complete
Provided one-click completion path for demo
Full audit trail created automatically
What We Won
Aid disbursed faster — fewer email chains
Accreditation audit trail ready
CLEARED
Case closed, aid disbursed
Affordable Housing — Project A
Housing · Affordable Housing Partners LLC · IN REVIEW
Skumu Intelligence
No proof = no claim.AI suggests. Humans decide.
Signals Detected
⟳ Stack conflict: sequencing ⚠ Community process required (CDBG) ✦ 4 fundable layers identified ✓ HUD HOME eligibility confirmed
Actions Created
ROI This Mode
Stack Total
$5.0M
Layers Found
4
Execution Risk
Flagged
Asymmetry ScoreHIGH — Stack + process conflicts
⚠ Without Skumu — Manual Process
Developer hires consultant to manually research 4 funding programs
LIHTC sequencing conflict discovered after CDBG application filed
Community process requirement missed — CDBG rejected
6 months wasted, project delayed or killed
Skumu identified 4 fundable layers totaling $5M.
Money Map
Housing · Affordable Stack — plain English ROI
What We Found
4 fundable layers across federal, state, and local programs
LIHTC sequencing conflict with CDBG timeline
Community process requirement that would delay approval
What We Did
Mapped all 4 layers + amounts + sequencing
Generated next steps per program requirements
Flagged community process before filing
What We Unlocked
$5.0M
Capital stack validated
Project kept on track
6+ months of consultant time saved
Portfolio Scoreboard
Skumu compounds advantage over time — the flywheel
47
Wins Logged
↑ 12 this month
18
Submissions in Motion
Across 5 modes
34
Changes Caught
Rules drift detected
219
Proof Links Collected
Audit-ready
$2.1M
Risk Avoided
Clawbacks + disqualifications
$14.6M
Funding Tracked
In-cycle across portfolio
Why Skumu Compounds
Rulebook
Updates
Auto-detected
Checklists
Auto-updated
With diff
Actions
Created
One click
Outcomes
Logged
Audit trail
Next cycle
Smarter
Compounding
Proof Drawer
Source verification · Skumu Intelligence
Gov Affairs
Progress Made
✦ BLOCKED → INCOMPLETE
What Changed
Power spec updated 150→180 kW
What's Next
Client adds LOI URL
Proof Saved
DOT NEVI NOFO v2.4 · p.14
Outcome Logged
BLOCKED → INCOMPLETE