We show that hermitian K-theory is universal among generalized motivic cohomology theories with transfers along finite Gorenstein morphisms with trivialized dualizing sheaf. As an application, we obtain a Hilbert scheme model for hermitian K-theory as a motivic space. We also give an application to computational complexity: we prove that 1-generic minimal border rank tensors degenerate to the big Coppersmith-Winograd tensor.
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