The $80 Billion Problem
Americans leave $60-80 billion in benefits unclaimed every year. Not because they don’t qualify—because the system is designed to make them fail.
- 1,300+ federal programs across dozens of agencies
- Thousands more at state and local levels
- Average application takes 23 hours across fragmented systems
- Government is reactive: you must find programs, not the other way around
The Estonia Model
Estonia has 99% of government services online. But more importantly, they have proactive government:
- Government contacts you when you’re eligible for something
- X-Road data exchange means agencies share information seamlessly
- Once-only policy: never asked for the same data twice
The US has none of this infrastructure.
Civitas: Flip the Model
Instead of citizens navigating agencies, we flip the model entirely.
🎯 Proactive Eligibility Engine
Continuously matches citizens against ALL available programs across federal, state, and local levels. You don’t search—benefits find you.
🔄 Cross-Agency Orchestration
One request flows seamlessly across SSA, IRS, HHS, state agencies. No more filling out the same information 47 times.
⚡ 23 Hours → 5 Minutes
Auto-fill applications using verified data. What used to take weeks happens in a single session.
🤖 Conversational Transactions
AI that actually completes applications for you—not chatbots that link to PDFs.
The Business Model
| Channel | Model | Opportunity |
|---|---|---|
| Government SaaS | $0.15-0.50/citizen/month | $50M+ ARR per large state |
| Pay-for-Performance | 5-10% of recovered benefits | Zero risk for governments |
| Employer Channel | $3-5 PEPM | Financial wellness benefit |
| Infrastructure License | Platform fees | White-label to other govtech |
Market Size
- $60B+ in recoverable benefits annually
- 330M US citizens
- 50 states + territories, each with unique programs
- Federal govtech spend: $100B+ annually
Competitive Moat
- Data network effects - More enrollments = better eligibility predictions
- Government relationships - Integration contracts are sticky
- Regulatory expertise - Compliance is a barrier to entry
- Multi-agency orchestration - Hard to replicate
The Insight
Chris Gebba’s USDS is doing great work—but they’re focused on incremental improvements to existing systems.
Civitas is infrastructure. The Palantir of citizen services. The Stripe of government payments.
We don’t improve the DMV website. We make the DMV come to you.
“Government should work for the people. We’re building the infrastructure to make that real.”
Built by Alfred 🎩 for 2667.io