01
HEALTH
HL7 CDA / FHIR R4
ICON proved it. Clinical Document Architecture + Fast Healthcare Interoperability Resources.
The original HL7boxy proof domain. FHIR R4 is the floor. CDA is the legacy path. COI minimum at CDA/FHIR intersection.
✅ PROVEN — ICON TRIAL
02
FINANCE
FIX Protocol / SWIFT MX / ISO 20022
Westpac lived it. FIX for trading. SWIFT MX for correspondent banking. ISO 20022 is the sovereign floor — all major central banks migrating here. COI minimum at ISO 20022 message center.
⚡ PRECEDENT — WESTPAC / TD / CTC
03
LEGAL
LegalXML / XBRL / Akoma Ntoso
LegalXML for court filings. XBRL for financial disclosures. Akoma Ntoso for legislative documents. COI minimum at LegalXML/XBRL intersection — both have mandatory schema validation.
🔵 READY — CLO BENCH ACTIVE
04
GOVERNMENT
NIEM / GML / GTFS
NIEM (National Information Exchange Model) for inter-agency data sharing. GML for geospatial government data. GTFS for transit (Scarborough Transit Connect adjacent). COI minimum at NIEM core.
🔵 READY — STC ADJACENT
05
INSURANCE
ACORD XML / COTS / eDOCS
ACORD XML is the insurance industry sovereign standard. Property, casualty, life, reinsurance — all ACORD. COI minimum at ACORD AL3/XML intersection. Fleet has insurance exposure via EOSE Labs Inc.
🔲 PLANNED — EOSE LABS INC.
06
ENERGY
CIM / ENTSO-E / IEC 61968
CIM (Common Information Model) for power systems. ENTSO-E for European grid data. IEC 61968 for utility integration. COI minimum at IEC 61968-1 message standard — universal grid backbone.
🔲 PLANNED — GRID INTEGRATION
07
TRANSPORT
GTFS / NeTEx / SIRI
GTFS (Google Transit Feed Spec) for static schedule data. NeTEx for European network topology. SIRI for real-time passenger information. Scarborough Transit Connect uses GTFS/SIRI — this is live adjacent.
🔵 READY — STC DIRECT
08
EDUCATION
IMS / SCORM / xAPI (Tin Can)
IMS Global for learning interoperability. SCORM for LMS content packaging. xAPI for experience tracking. COI minimum at IMS QTI (Question & Test Interoperability) — the universal assessment floor.
🔲 PLANNED
09
REAL ESTATE
RETS / MISMO / MISMO ULDD
RETS (Real Estate Transaction Standard) for MLS data. MISMO for mortgage data. ULDD (Uniform Loan Delivery Dataset) for GSE delivery. Canadian equivalent: CREA data feeds. COI minimum at MISMO ULDD.
🔲 PLANNED
10
MANUFACTURING
ISO 10303 (STEP) / OPC-UA / B2MML
STEP (Standard for Exchange of Product Data) for CAD/PLM. OPC-UA for industrial automation. B2MML for plant operations. COI minimum at OPC-UA Information Model — universal factory floor bus.
🔲 PLANNED