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Now Insuring 28M Lives

The Future of
Intelligent Insurance

Arybit Insurance v2.0 powered by AARAB v4.0 — the fastest, fairest, fully independent national InsurTech fabric.

Explore Platform View Plans
42s
Avg Claim Payout
28M
Active Policies
100%
Sovereignty
0.02%
Fraud Rate
Fabric Active
All Systems Operational
Live Insurance Monitor
28M policies • Real-time nationwide
Claim-Veritas ✓ Active

Touchless claims • 42s average payout...

Risk-Astraeon ✓ Active

Personalized risk pricing...

Crop-Guardian ✓ Active

Protecting 6.8M farmers...

Nation-Bima ✓ Active

National insurance visibility...

Representative live system activity. Metrics vary by deployment.

Trusted by Insurance Leaders Worldwide

NationalFunds
PrivateInsurers
CropSchemes
HealthPlans
MotorPools

Live National Insurance Intelligence

Autonomous agents continuously price risk, process claims, detect fraud, and personalize coverage — delivering equitable protection in real time.

Claims Processing

42s average payout · 96% touchless

Risk Pricing

<1.1s personalized quotes · 28M policies

Fraud Protection

0.02% fraud rate · No required external reinsurers

Built for Fast, Fair, Independent Insurance

A complete intelligent national InsurTech infrastructure delivering instant claims, personalized pricing, and zero external dependency.

Risk & Reinsurance

±0.4% loss ratio • Fully sovereign.

Instant Claims

<42s payout • 96% touchless • 0.02% fraud rate.

Personalized Pricing

<1.1s quotes • 28M policies.

Crop Protection

6.8M farmers • <11h payouts.

Pay-As-You-Drive

44% lower for safe • 38% accident reduction.

Cashless Health

<11s pre-auth • Fully cashless.

Agent Intelligence

340% higher close rates.

Regulatory Compliance

Consistently audit-passing • IFRS-17 ready.

Full Independence

No required external reinsurers or cores.

Built on Field-Proven Insurance Architecture

Fully sovereign underwriting with no required external reinsurers or core systems.

Risk Engine

Bima-Solara • Local data only

Claims Engine

Claim-Veritas • 42s payout

Agent Tools

Agent-Solara • Offline capable

Compliance Engine

Compliance-Oracle • Auto-audit

National Dashboard

Nation-Bima • Full visibility

High Performance

28M concurrent policies

Proven at National Scale

Protecting 28 million lives with the fastest, fairest, and most independent insurance fabric.

42s

Avg Claim Payout

28M

Active Policies

0.02%

Fraud Rate

100%

Sovereignty

Powering Every Insurance Use Case

From crop protection to health, motor, and national reinsurance.

Agriculture & Crop

6.8M farmers • Instant payouts

Motor Insurance

Pay-as-you-drive • Safer roads

Health Coverage

Cashless • Wearable-linked

Agent Network

180k agents • AI-assisted sales

Reinsurance

100% independent • Local data

National Oversight

Full real-time visibility

AARAB v4.0 Intelligence Systems

Ten specialized intelligent systems forming the complete national InsurTech fabric.

Legend: Solara = Risk · Veritas = Claims · Orbit = Automation

Performance targets and impact metrics represent live national-scale deployment as of December 2025.

01

Bima-Solara

Risk & reinsurance brain

Independent pricing, catastrophe modelling using only local data.

Primary User Regulators, insurers
Performance ±0.4% loss ratio
Signature Impact

First fully sovereign reinsurance

02

Claim-Veritas

Instant claims & fraud shield

Claims paid in <42s with AI fraud detection.

Primary User Policyholders
Performance 0.02% fraud
Signature Impact

Fastest payouts worldwide

03

Risk-Astraeon

Personal risk intelligence

Predicts exact risk (health, motor, crop, property) using local data · <1.1s personalized quote · Largest insured population worldwide – 28 M active policies.

Primary User 28M policyholders
Performance <1.1s quote
Signature Impact

Largest insured population

04

Crop-Guardian

Agriculture protection

Automatic payouts when AI detects events.

Primary User Farmers
Performance <11h payout
Signature Impact

6.8M farmers insured

05

Motor-Orbit

Pay-as-you-drive

Premium adjusts live by safe driving score.

Primary User Drivers
Performance 44% lower safe
Signature Impact

Accidents down 38%

06

Health-Bima

Universal health

Instant pre-auth, wearable-linked pricing.

Primary User Health funds
Performance <11s pre-auth
Signature Impact

100% cashless hospitalisation

07

Agent-Solara

Agent performance

AI recommends, scripts, closes sales.

Primary User 180k agents
Performance 340% higher close
Signature Impact

Highest earning agents

08

Vespera-Bima

Daily brief

06:30 voice/WhatsApp reminders & tips.

Primary User 28M policyholders
Performance Daily delivery
Signature Impact

Highest insurance engagement

09

Compliance-Oracle

Regulatory compliance

Auto-generates reports, flags non-compliance.

Primary User All insurers
Performance 100% audit-pass
Signature Impact

Highest regulatory excellence

10

Nation-Bima

Control plane

One screen for every policy, claim, risk.

Primary User Leadership
Performance 100% real-time
Signature Impact

Insurance for All 2030 dashboard

Hard Integration Points — All Live

Fully autonomous layers operating across the national insurance ecosystem.

Policy & Claims

Claim-Veritas + Bima-Solara

100% instant • Zero external core

Risk & Pricing

Risk-Astraeon + Crop-Guardian

All models local data only

Health & Motor

Health-Bima + Motor-Orbit

Direct intelligent feeds

Distribution

Agent-Solara

Works offline everywhere

National Control

Nation-Bima

One intelligent insurance brain

Explore Integration Docs

The Arybit Ecosystem

Arybit Insurance operates within a broader sovereign financial protection ecosystem — fully independent.

AARAB

Core autonomous intelligence powering all 10 insurance systems.

Visiora

Real-time claim evidence and visualization.

ArybitNgo

Policyholder engagement and daily safety briefs.

Built for National Insurers

Sovereign, independent, AI-powered insurance platform for nations and large carriers.

  • 100% Independence — No external reinsurers
  • Instant Claims — 42-second payouts
  • Personalized Risk — Local data only
  • Custom National Deployments
Contact Insurance Team Technical Overview
Sovereign Deployment 
// Arybit Insurance runs fully independently
// No external core or reinsurer required

// Example: Instant claim processing
const insurance = require('@arybit/insurance-sdk');

const client = new insurance.NationClient({
  mode: 'sovereign'
});

const claim = await client.claims.process({
  policyId: 'POL-123456',
  evidence: 'auto'
});

console.log(claim.status); // Paid in 42s

National & Sovereign Deployment

Custom solutions for national funds, regulators, and large insurance carriers.

National Fund

Custom

Full sovereign stack

  • ✔ All 10 systems
  • ✔ Private infrastructure
  • ✔ 100% sovereignty

Private Carrier

Contact Us

Enterprise scale

  • ✔ Instant claims
  • ✔ Personalized pricing
  • ✔ Fraud shield

Regulatory

Contact Us

Oversight tools

  • ✔ Nation-Bima dashboard
  • ✔ Full visibility
  • ✔ Compliance automation

National-Grade Security & Independence

Built for complete sovereignty and unbreakable protection of policyholder data.

Full Sovereignty

No required external reinsurers or cores.

Low Fraud

Industry-leading 0.02% fraud rate across all lines.

National Visibility

Real-time dashboard for every policy.

Deploy the National Intelligent Insurance Fabric

Power Insurance for All with speed, fairness, and complete independence.

Start Free Trial Watch Demo Executive Briefing

Unlimited demo • No credit card required

Performance metrics based on live deployments as of December 2025. Actual products subject to regulatory approval. Arybit Insurance™ is a technology platform. No insurance decisions are fully automated without regulatory approval.