specification: API Commons FinOps 0.1
name: Black Knight / ICE Mortgage Technology FinOps Surface
description: >-
  FinOps mapping for the ex-Black Knight commercial surface (now ICE Mortgage
  Technology), plus the Optimal Blue surface (now Constellation Software).
  None of these products publishes a self-serve cost-attribution surface or
  FOCUS-compatible export today. Cost data flows through enterprise invoices
  rather than developer-portal usage dashboards. This document captures what is
  knowable about cost shape, billing cadence, and chargeback dimensions.
provider:
  name: ICE Mortgage Technology
  url: https://mortgagetech.ice.com
created: '2026-05-23'
modified: '2026-05-23'

billing:
  cadence: Monthly enterprise invoice
  paymentTerms: Net 30 (typical enterprise)
  currency: USD
  consolidatedInvoice: true
  selfServeBilling: false

costDrivers:
  - id: msp-platform-license
    name: MSP Platform License
    appliesTo: msp-dx
    unit: Annual platform fee
    notes: Fixed annual platform fee separate from per-loan costs.

  - id: msp-per-loan-servicing
    name: MSP Per-Loan Servicing Fee
    appliesTo: msp-dx
    unit: Per loan per month
    notes: Volume tiered; declines with portfolio size.

  - id: encompass-license
    name: Encompass License
    appliesTo: encompass-developer-connect
    unit: Per seat / per loan funded
    notes: Hybrid seat + per-funded-loan model typical in industry.

  - id: optimal-blue-search
    name: Optimal Blue PPE Search / Lock Fee
    appliesTo: optimal-blue-ppe
    unit: Per search / per lock (typical industry pattern)
    notes: Subscription + transactional component; not publicly priced.

  - id: simplifile-recording
    name: Simplifile eRecording Fee
    appliesTo: simplifile-e-recording
    unit: Per document recorded
    notes: Service fee plus pass-through county recording fees.

focusMapping:
  status: Not Available
  description: >-
    No FOCUS-spec usage export is published by ICE Mortgage Technology or
    Optimal Blue. Enterprise customers reconcile costs from PDF / EDI invoices.
  recommendedDimensions:
    - servicer / investor scope (cost center)
    - environment (production vs. test)
    - loan portfolio segment
    - product family (MSP / Encompass / Optimal Blue / Simplifile)

observability:
  usageDashboard: Partner-gated; not standardized across products
  alerting: Negotiated per contract
  exportFormats:
    - PDF invoice
    - EDI 810 (large enterprise)