TrueCostData
Institutional Market Intelligence

Index. Signal. Decision.

Reconstruct historical market value. Detect market movements. Measure financial exposure.

Point-in-time market references for insurers and leasing firms — what an asset was worth on the date that matters.

Electronics & vehicle cohorts · Historical T-1 · Multi-source · France & DACH

T-1
Point-in-time reference
Daily
Multi-source observation
7 · 30 · 90d
Market movement windows
200k+
Archived price observations

Today's price does not tell you what the market was worth yesterday.

Physical-asset markets are fragmented, volatile and difficult to reconstruct after the fact. Screenshots disappear. Listings change. Internal reference grids become stale.

01
Historical reconstruction

Recover the market reference that was observable at the relevant date.

02
Market noise

Separate isolated observations from persistent market movements.

03
Financial exposure

Translate market movements into measurable portfolio-level exposure.

Same phone. Same loss. An 18% gap from the date alone.

On 9 September 2026, Apple raised the iPhone 16 by €150 in France. A claim for a loss before the rise, valued after it, is overstated — even though the asset never changed. Our daily, point-in-time data captured the whole shift.

Read the full case study →
Case A · Valuation date
Real data
Asset iPhone 16 · 128 GB · New
Loss date 8 Sep 2026
Market France
Valued on 17 Sep €1,019
T-1 reference €862
Overstatement +18.2%
Reference date 7 Sep 2026 · 4 merchants · range €841 – €869 · daily TrueCostData observations

From fragmented observations to decision-ready market intelligence.

TrueCostData structures physical-asset market data across time, sources and markets to create reproducible references and measurable signals.

01 — Reconstruct

Historical T-1 Reference

Reconstruct the market reference observable at a specific historical date using archived, multi-source observations.

02 — Detect

Market Movement Signals

Measure 7d, 30d and 90d movements, dispersion and market pressure to identify persistent changes beyond daily noise.

03 — Measure

Financial Exposure

Connect market movements with exposed asset volumes to quantify the financial relevance of a changing market.

Point-in-time, reproducible, versioned. Every reference carries its sources and range. How references are built →

One temporal infrastructure. Multiple financial decisions.

The same historical market layer can support different decisions depending on the institution and asset class.

Insurance

Claims Valuation

Compare historical claims decisions against reconstructed T-1 market references and identify material valuation gaps.

Fleet & Leasing

Residual Value Monitoring

Track comparable vehicle cohorts and detect shifts in market dynamics before small movements become material across large fleets.

Finance & Procurement

Asset Price Intelligence

Establish documented external market references for valuation, purchasing and financial-control workflows.

Recommended Starting Point

Start with evidence, not an IT project.

Give us 20 historical cases. We reconstruct the relevant T-1 market reference, compare it with your historical decision and measure the gap case by case.

From €1,500
One-off diagnostic · No API · No integration required
NDA before any transfer No personal data required Anonymized case IDs
20 historical cases Your real anonymized cases, dates and historical reference values.
5-day turnaround Focused analysis without launching an internal technology project.
PDF + CSV Case-level results, methodology and consolidated findings.
30-minute review We review the findings together and determine whether continued monitoring is economically relevant.

If the signal matters, we industrialize it.

The diagnostic establishes whether a measurable economic problem exists before either side commits to a larger deployment.

Continuous Intelligence

Market Monitoring

Continuous T-1 tracking, market-movement indicators and historical monitoring on the asset categories that matter to you.

Methodology →
→
Enterprise

Infrastructure Integration

API delivery, historical reconstruction, documented multi-source audit trail and integration into institutional workflows.

API & integration →

Start with 20 cases.

Before integrating another data platform, measure whether the market-reference gap exists in your own historical decisions.

Request a Diagnostic Study →
From €1,500 · 5 business days · NDA available