What is Terzo's $3 trillion data debt thesis?

Terzo argues that enterprises carry roughly $3 trillion per year in 'data debt' — value trapped in unstructured contracts, invoices, and purchase orders that no system can read or act on (a figure Terzo cites to McKinsey) [Medium — 'Contracts As Capital'].

Because this data is unstructured, finance and procurement teams can't see what their own agreements commit them to or entitle them to, and the debt compounds every year the data stays locked up.

Terzo's answer is the Financial Truth Layer: by converting the unstructured corpus into reliable financial data at 99% accuracy with humans in the loop, it lets CFOs, CPOs, and General Counsel finally see what their contracts say, recover value leaking between signing and execution, and act on obligations, compliance, and spend in real time [terzo.ai/why-terzo].