InstiTech: Rule-Making as the Next Frontier Beyond RegTech Yu, Anderson EMJ LIFE Holdings Pte. Ltd. 2025-10-20 Text Report application/pdf en https://doi.org/10.64969/padv.institech.2025.v1 https://www.emj.life/publication-institech Singapore 37 pages © 2025 EMJ LIFE Holdings Pte. Ltd. Licensed under CC BY 4.0 https://creativecommons.org/licenses/by/4.0/ InstiTech Institutional Technology Rule-Making Governance PADV NTCC ESG Data Assurance Behavioral Verification RegTech COSO GRI IFRS ISO 27037 Institutional Evolution EMJ.LIFE Institutional White Papers https://doi.org/10.64969/padv.2025.v2 https://doi.org/10.64969/padv.ntcc.2025.v2 InstiTech defines the evolution of governance from regulatory automation (RegTech) to verifiable institutional design. Built on the PADV–NTCC Governance Architecture, InstiTech positions behavioral verification, data assurance, and rule-making as a single audit-ready framework—where rules are not merely followed, but continuously proven through transparent evidence. https://orcid.org/0009-0002-2161-5808