Yodacom is a research house and product studio built on a single conviction: the most important ideas in finance are the ones whose time has almost — but not quite — arrived. We have spent forty years standing on that edge. We are still standing there.
"A Silverthorne-based developer building research-grade tools with the rigor of a quantitative hedge fund — from the side of a mountain."
Yodacom's founder, Jeremy J. Black, has spent forty years working at the intersection of artificial intelligence and portfolio theory. Not in theory. In code.
In 1985 he built RAMCAP — Risk Adjusted Multiple Capital Asset Allocation Program — through Advanced Investment Software, a company whose tagline read "The Intelligent Software Company." RAMCAP was written in Prolog, the leading AI and fuzzy-logic language of the decade, and it was one of the first Modern Portfolio Theory–driven risk tools built for financial advisors. It was ported to C and later C++ as the market shifted from Apple to Microsoft. Jeremy lectured on MPT across the US, Canada, and New Zealand, taught asset allocation as an adjunct professor at the College for Financial Planning, held a Certified Financial Planner designation (since lapsed), and served as one of the pool managers inside the Hart-Bornhoft Group's Navigator Fund — a pioneering multi-manager commodity pool featured in Wall Street Journal best-performing-funds rankings during the 1989–1990 period.
Then the compute wall hit.
RAMCAP's core job was a correlation matrix across fifteen asset classes using twenty years of data, followed by an efficient-frontier solve. Here is what that math has cost to run, decade by decade.
15 asset classes · 20 years of data · correlation matrix + efficient-frontier solve
200 asset classes · longer dataset · same underlying MPT math
Vastly more data · smarter algorithms · equivalent math, imperceptible latency
That is not an anecdote. That is the Yodacom thesis, told in wall-clock time.
In the late 1980s Jeremy ran early neural-network experiments on econometric time series — three continuous days of training on a souped-up 286, hunting for convergence that never arrived. The nets failed for exactly the reason every neural net of that era failed: the compute wasn't there yet. That firsthand experience of the AI winter — not as an observer, but from inside the work — shapes how Yodacom evaluates every new wave of quantitative promise. We have seen what happens when the math is right and the hardware isn't. We recognize the opposite condition when it arrives.
Forty years on, the pattern is clear. A pre-Google search engine in the 1990s, built and sold before search was a category. Mobile app development before the ecosystem consolidated. Underwater RFID for commercial fisheries before IoT was a marketing word. Every one of these sits on the same line: right idea, arrived slightly before the world was ready to receive it.
We have reframed that arc. It is not a series of near-misses. It is a scout's career. The whole point of a scout is to return from the frontier with the map. Yodacom's job — and the job of Yodacom Research — is to recognize the moment when the frontier finally becomes the market.
Taught Modern Portfolio Theory and asset allocation strategies. Lectured on MPT across the US, Canada, and New Zealand. Certified Financial Planner.
Risk Adjusted Multiple Capital Asset Allocation Program — one of the first MPT-driven risk software products for financial advisors. Written in Prolog, later ported to C and C++. Acquired 1990.
Operated one of Colorado's first multi-manager commodity pools — an early multi-manager hedge fund — featured in The Wall Street Journal's best-performing-funds rankings during the 1989–1990 period.
Built and sold an early web search engine company before the Google era.
Patented underwater tracking technology — a digital sound-attraction device for Spiny Lobster combining RFID and marine acoustics.
Created the Click and Call Network affiliate marketing and call-center routing technology.
Digital product studio building mobile and web applications for businesses, non-profits, and events. 10+ shipped products between 2012 and 2019.
Launched CoinRoc to apply correlation analysis and portfolio theory — the Ramcap thesis — to a new asset class. Yodacom's longest-running research project.
Formal research-house positioning. Paper 1 (Gridium) in final review. VetTheTech in development.
Yodacom LLC is the umbrella. Two products sit under it.
A rating and analysis platform for crypto grid trading, built for income-disciplined investors, financial advisors, and anyone serious about separating cash-flow strategies from mark-to-market noise. CoinRoc is the direct descendant of RAMCAP: the same correlation discipline, the same honest accounting of cost and risk, applied to an asset class RAMCAP could not have imagined.
Independent verification of trading-algorithm claims. A former MPT teacher and multi-manager fund operator, supported by a research house of mathematicians and data engineers, auditing the claims that crypto sellers are rarely asked to defend.
Both products publish their underlying research through Yodacom Research, our in-house research arm. Papers are written by a team — mathematical leads own the models, editorial leads own the prose, and a single publisher-editor (Jeremy) signs what ships. It is the conventional structure of a serious research firm. We follow it because the alternative is a lone-voice marketing byline, and the field has too much of that already.
The bet Yodacom is making in 2026 is the same one RAMCAP made in 1985: that ordinary investors and the advisors who serve them deserve tools built on honest math, transparent assumptions, and a stated cost of being wrong. The difference is that the compute finally works. The data finally works. The tooling finally works.
We spent forty years waiting for the other side of the arc to catch up. It has. This is what we build next.
In the 1980s Jeremy built Ramcap (Risk Adjusted Multiple Capital Asset Allocation Program) — one of the first Modern Portfolio Theory risk-software products for financial advisors — and lectured on MPT across the US, Canada, and New Zealand. He was a Certified Financial Planner and an Adjunct Professor at the College for Financial Planning, teaching Modern Portfolio Theory and asset allocation.
He left financial planning to run the Navigator Fund, one of Colorado's first multi-manager commodity pools — what today we would call an early multi-manager hedge fund — featured in The Wall Street Journal's best-performing-funds rankings during the 1989–1990 period.
In the 1990s and 2000s Jeremy built and sold a pre-Google search engine company, patented an underwater tracking device (for attracting Spiny Lobster with recorded marine sounds), and later created the Click and Call Network affiliate technology while serving as VP of Digital Innovation at Full Circle.
He founded Yodacom in 2012 as a digital product studio. CoinRoc, started in 2019, is Yodacom's longest-running research project — and the direct descendant of Ramcap's original thesis that correlation analysis and portfolio theory can be applied systematically to identify suitable asset/strategy pairings. Today CoinRoc's focus is crypto grid trading; the underlying discipline is the same one Jeremy has been practicing since 1984.
Education: Master of Divinity from Denver Theological Seminary; BS from Northern Arizona University.
A selection of public-facing applications Yodacom designed and built for clients during its studio era — before the research-house pivot. Charities, non-profits, assessment tools, commerce platforms.
Research inquiries, partnership conversations, and press mentions welcome. Correspondence by post or email.
Note: historical credentials cited above (Navigator Fund WSJ appearance, Ramcap, College for Financial Planning adjunct role) are in the process of being sourced for public citation in upcoming research publications. Original archival references will be published alongside the first Yodacom Research paper.
