Distribution partners

Insurance your customers buy without leaving your app.

Your channel already owns the moment a customer books a trip or places an order. MicroFlow turns that moment into a policy, routes it to the right insurer, and settles your commission on the same reconciliation run. One integration, three markets live today.

Partner enquiry See the product

Customer tapsInside your app, in the moment they were already in

Cover offered and boundPriced and issued in milliseconds, no separate journey

Routed to a carrierQuota caps and allocation rules spread the book

Premium reconciledMatched to the sale in real time, period closed clean

Commission settledOn the same run, on a record both sides can read

One flow, from a moment inside your app to the commission on your account

Live in the field

Distribution that is already live in three markets.

3 markets

Vietnam, Indonesia, and the Philippines, running today inside an app customers already use every day.

Multi-insurer

One integration reaches several insurers at once. Each sale is shared out by simple caps and rules, so capacity spreads across carriers as volume grows.

Milliseconds

A policy is priced and issued to the customer in milliseconds, right in the moment of purchase.

Mobility super-app

Green SM sells trip, food delivery, and express delivery cover inside its app across Vietnam, Indonesia, and the Philippines. MicroFlow runs the distribution: cover embedded at the point of purchase, each sale routed to the right underwriter, and premiums reconciled automatically at period close. Underwritten by PVI in Vietnam and by regional carriers including Oona across Indonesia and the Philippines.

One embedded engine, three markets, multi-insurer from the first policy.

Distribution

Underwritten by

How it works

Everything between a customer tap and a settled account.

A channel plugs in once. MicroFlow handles the selling, the insurer rules, and the premium matching afterwards.

Multi-insurer routing.

Every sale is sent to the right insurer by quota caps and allocation rules, so capacity is spread and no single insurer becomes a bottleneck as volume grows.

Embedded in the channel.

Cover is offered inside your app the moment a customer books a trip or places an order, part of the flow they are already in, not a separate journey they have to go and find.

Speed to launch a cover.

Product types for trip, food delivery, and express delivery are configured on the platform, so a new cover goes live on connections that already exist rather than a fresh build.

Real-time reconciliation.

Premiums are matched to sales and each period is closed automatically, on a record you can audit, so commissions and payments come out right without a manual month-end.

Getting connected

One integration, then everything after is configuration.

The first question a partnerships team asks is what this costs their engineers. The answer is one integration, and it is the last one.

One integration

Your app connects once to the platform. Issuance, routing, and reconciliation run on our side of that boundary, so your engineers own a single surface rather than one per insurer.

New cover, no new build

Adding a cover type, a market, or an underwriter after you go live is a configuration on the platform, not another release on your roadmap.

Built on connections already live

You are connecting to the same integration fabric that runs the live markets today, not to a first implementation being built around you.

The integration surface, and what is still in build →

How the money works

A revenue line, not a cost line.

Distribution only works for a channel if the economics are legible. Three things are fixed by the model, whatever the commercial terms turn out to be.

Commission

The channel earns a commission on every policy sold inside its own app, on the cover types mapped to it.

Same run

Commission is calculated on the same real-time reconciliation that closes the period, so it is not a separate month-end exercise.

One record

Every sale, premium, and commission line sits on one auditable record that the channel and the insurer both read.

Rates and terms are set per channel in the partnership conversation, not published here.

How to start

From first conversation to first policy.

Tell us about the channel.

Where your customers buy, which moments cover naturally fits, and which markets you already run in.

We map the products.

We match cover types and underwriters to your channel on the multi-insurer routing model, as volume grows.

Integrate once, then run.

A single integration to the platform. MicroFlow carries issuance, routing, and reconciliation from there.

Go live and close clean.

Sell inside your app, and let real-time reconciliation keep every period audit-clean from the first day.

Turn a moment in your app into a policy.

Tell us how your customers buy today, and we will show you where cover fits inside it and what it earns.

Partner enquiry Explore MicroFlow

Underwriting partners · How we partner

Singapore · Vietnam · Indonesia · Philippines