Insured commitments or insured language? Read the fine print.
Archera markets "Insured Commitments" with short-term Savings Plans and RIs, rebates, and even PPA insurance. But their own materials raise big questions about how this “insurance” actually works, who bears the risk, and what is truly compliant under AWS’s 2025 policy. Cloud Capital delivers guaranteed, compliant savings in your account - no sub-account games, no marketing gloss.
Trusted by
Why Cloud Capital?
Cloud Capital helps Finance and Engineering teams cut waste, lower cloud costs, and forecast spend with confidence.
Compliance
No sub-account transfers, no pooling risk.
Pump
Pump
Pump
Pump
Pump
AWS banned sharing RI-SP across unrelated customers from 1 June 2025. Archera acknowledges this change directly and pitches a “compliance program” to replace reseller sharing with their Insured Commitments.
Cloud Capital does not pool or shuffle accounts. We place and manage commitments inside your payer account with delegated access and full auditability.
Any vendor workaround that relies on cross-customer commitment motion after June 2025 is a policy exposure. We remove that risk by design.
Ownership & Control
Commitments in your account, not theirs
Archera says Insured Commitments "can be purchased within your own payer account" and are “approved by your cloud service provider,” with flexible 30-day terms.
Good in theory - but the model still hinges on Archera-structured instruments and premiums, not native control.
Cloud Capital places native commitments in your account. You own them. You approve them. You can move them. Full portability and governance.
Vendor-owned or vendor-conditioned mechanics create black-box dependencies. With us, you keep control.
Contract
"Insurance" that is not a regulated insurance policy
Archera markets "Insured Commitments", a “Moneyback Guarantee", “rebates”, and claims “reinsured by third parties”, including PPA shortfall "insurance".
There is no public evidence that Archera itself is a licensed insurer; their Terms read like a standard SaaS disclaimer, and the pricing page describes rebates triggered by their guarantee.
Cloud Capital is upfront: we offer a contractually defined Guaranteed Savings Rate with no clawbacks and no "insurance" branding. Clear economics, clean accounting, and straightforward legal posture.
Calling something "insured" does not make the vendor an insurer. CFOs need enforceable guarantees, not marketing labels and rebate mechanics.
Risk
Forecasts a board can trust. Finance-first, not feature-first.
Archera emphasizes short-term commitment flexibility and "operate dynamically", plus an optional paid “Advanced Reporting". That can help engineering teams tactically, but it does not replace a finance-grade forecast and governance model.
Cloud Capital builds driver-based forecasts that tie usage to revenue, COGS and margins, then commits safely against that plan. Finance can defend it in the boardroom.
Engineering views alone do not eliminate budget misses. Finance-grade control does.
Pump
Markets a "compliance program" and Insured Commitments as the path forward after sharing bans
Says Insured Commitments can be used "in your own payer account".
Moneyback Guarantee, rebates, premiums only when you save, “reinsured by third parties”. SaaS-style Terms disclaimers.
Free platform plus optional Advanced Reporting
Vendor-instrument dependence and premium structures.
Markets "AWS PPA Insurance" backed by third parties and a trust.
Cloud Capital
Native-by-design: no sharing, no pooling, no sub-account transfers - always compliant.
Commitments are always placed and managed inside your payer account with delegated access.
Contracted Guaranteed Savings Rate - no clawbacks, no rebate games, no "insurer" ambiguity.
Board-ready forecasts, unit economics, governance and variance control as standard.
No lock-in - you own the commitments and data.
PPA planning and risk-mitigation embedded in forecast and contract with transparent terms.
FAQ
Does Archera comply with AWS’s June 2025 policy?
They publicly say RI-SP sharing among multiple customers is no longer allowed and position Insured Commitments as the compliant alternative. The question is not their marketing line - it is whether any vendor mechanics reintroduce cross-customer risk in practice. We avoid the issue entirely by operating only in your payer account
Is Archera a regulated insurer?
Archera advertises “Insured Commitments”, a “Moneyback Guarantee”, rebates, and says coverage is "reinsured by third parties". Their posted Terms look like SaaS terms, not an insurance policy form, and we found no public evidence on their site of insurance licensure. Evaluate carefully with counsel and your broker.
What about PPA shortfall protection?
Archera offers "PPA Insurance" and says the guarantee is backed by third parties and a trust. Scrutinize who is the risk bearer, how claims are adjudicated, and how payouts are accounted. Cloud Capital keeps it simple - forecasted commitments with contractual savings, no insurer ambiguity.
Will Cloud Capital get me similar or better savings without "insurance"?
Yes. We target aggressive, predictable savings with a Guaranteed Savings Rate - and do it in a way that is AWS-compliant, finance-ready, and fully under your control.
Here's the bottom line
If you want marketing labels and rebate-driven guarantees, Archera has a story. If you want clarity, compliance, and control that the CFO can defend, choose Cloud Capital.
100% AWS-compliant execution in your payer account
Guaranteed Savings Rate — no clawbacks and no insurance ambiguity
Board-ready forecasts and governance, not just tactical knobs
Certified AWS Advanced Partner
Read-only billing data access
No bulk-buy or reallocation
Fully aligned with AWS T&Cs
