APEX — Algorithmic Pricing & Execution Engine
Transforms Excel-based rater sheets into high-performance APIs for Straight Through Quoting—without rewriting pricing logic.
The Problem APEX Solves
Pricing logic lives in spreadsheets that were never designed for real-time execution, scale, or governance.
Spreadsheet dependency
Critical pricing logic lives in Excel files owned by individuals, not systems.
Manual code translation
Every pricing change requires engineering rework and deployment cycles.
Untraceable pricing
When prices are questioned, logic cannot be reconstructed reliably.
As pricing moves into real-time digital workflows, execution infrastructure—not pricing logic—becomes the primary constraint on scale and consistency.
Sources: Gartner Enterprise pricing systems research
Digital distribution requires pricing engines capable of deterministic, low-latency execution at scale—spreadsheets are not designed to serve as production pricing infrastructure.
— Industry consensus reflected in insurer digital transformation guidance (McKinsey, Deloitte, BCG)
What changes with APEX
APEX makes pricing logic explicit at execution time—so quotes are deterministic, fast, and traceable.
Excel remains the authoring layer
Pricing teams continue working in familiar rater formats
Execution becomes automated
Raters compile into deterministic pricing graphs exposed via APIs.
Decisions become defensible
Pricing becomes consistent
What APEX is designed
to control
APEX controls how pricing logic executes in production—at speed, scale, and with traceability.
Where APEX fits
APEX consumes ARGEN outputs—turning decisioned submissions into real-time, executable pricing for Straight Through Quoting (STQ).
Excel rater ingestion and normalization
High-performance STQ APIs
Versioned pricing logic
Reconstructable pricing decisions
Evaluate APEX in your
pricing workflow
See how APEX turns spreadsheet raters into real-time, bindable pricing for Straight Through Quoting.
Explore the Persisto suite
Underwriting intent is often documented—but rarely enforced consistently at decision time.
