Modern Financial Services data platforms require more than Bronze, Silver, and Gold layers to manage complexity, meaning, and governance. While Silver provides current-state truth and Gold delivers consumption-driven business meaning, neither resolves enterprise-wide semantics. This article introduces the Platinum layer as the conceptual truth layer, reconciling how different domains, systems, and analytical communities understand the same data. Together, Gold and Platinum bridge operational use, analytical insight, and long-lived domain semantics, enabling clarity, velocity, and governed understanding at scale.