The lasting difference is who can change the system, whether every part shares the same definitions, and how much evidence survives from configuration to policy.
| Capability | Legacy core | Point-tool stack | AllegoryOS |
|---|---|---|---|
| Configuration ownership | Often vendor-led and delivered through change requests. | Split between internal engineering and several product teams. | Business operators configure products and pricing in one governed system. |
| Shared data definitions | Definitions are commonly embedded across modules and exports. | Each tool can maintain its own field model and mappings. | One data inventory supplies products, pricing, submissions, and documents. |
| Pricing evidence | Evidence may be reconstructed across worksheets, logs, and vendor support. | Calculation detail is divided between engines and integration logs. | The quote retains the published model version and calculation trace. |
| Product versioning | Release and upgrade processes vary by implementation. | Version state must be coordinated across tools. | Products and pricing publish as explicit governed versions. |
| Document generation | Often a separate module, licence, or template workflow. | Usually another service connected through mapped data. | Documents read the same governed record used for pricing and underwriting. |
| Upgrade model | Customer-specific work can turn upgrades into migration projects. | Several release cycles and contracts must be reconciled. | One multi-tenant product release, with customer configuration preserved. |
| Operational continuity | Handoffs can depend on batch jobs, interfaces, and specialist teams. | Continuity depends on integrations keeping separate records aligned. | One record moves through product, pricing, underwriting, and documents. |
