Insights

How Asia's insurance actually runs, and how to modernise it.

Writing from the team building the platform: open standards, audit-clean operations, and the mechanics of running insurance on modern infrastructure.

All writing

Posts, white papers, and deep-dives.

Post

Vietnam's new data law changes what insurers can send

Vietnam's new personal data framework put a clock on every claim. The harder problem is that anonymising a photograph destroys the signal an insurtech vendor needs.

2026-09-02 · 10-min readRead
Post

Closing Asia's insurance gaps: systems that were never built to meet.

Insurers across Asia connect to each partner one relationship at a time. Why an open insurance standard, not a vendor's model, is what carriers should accept.

2026-07-30 · 7-min readRead
Deep-dive

From FNOL to settlement: the anatomy of a claim on ClaimFlow.

One motor claim from first notice to settlement, with the nine service levels that decide who owes the next action and by when. Plus a plain statement of which parts run today and which are still architecture.

2026-07-21 · 6-min readRead
Deep-dive

Selling a policy where the customer already is: distribution mechanics on MicroFlow.

How an embedded policy is issued inside a transaction, allocated to an insurer behind it, and reconciled afterwards across four regulators. The design of the engine, not a count of deployments.

2026-07-09 · 6-min readRead
White paper

Audit-clean multi-tenancy: running many insurers on one backbone without mixing their data.

Separation between insurers is a property of a design. Proving it to a regulator is a record. What each one requires, where data residency fits, and the read-side question a write-side audit trail does not answer.

2026-07-02 · 6-min readRead
Post

Why we build AI-first, and how to test if it’s working

A test for AI-first that a buyer can actually apply, what it rules out, and an honest assessment of our own product.

2026-06-30 · 5-min readRead
White paper

Outcome-based mechanics: pricing a claims operation on results, not seats.

What an outcome has to contain before a fee can attach to it: the edge cases, the calendars, the attribution problem, and why we have not signed one of these yet.

2026-06-24 · 7-min readRead
Post

The anti-corruption adapter: connecting to a legacy core without inheriting its model.

Whose vocabulary wins at the boundary decides what every later integration costs. What the translation layer buys, what it costs every month afterwards, and the question that tells you whether a platform really holds the line.

2026-06-16 · 5-min readRead

New writing lands here as it is published. Filter by type to read only what you came for.

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The papers worth the time.

The longer-form pieces that set out how the platform is built and how it is run.

OPIN: carrying an open insurance standard forward, and authoring the profile each market needs.

01

The standard is at v1.5.0-draft and Vietnam's profile sits on top of it at v0.2. What the standard settles, where it is still thin, and what an open licence does and does not protect an insurer from.

Read the white paper

Audit-clean multi-tenancy: running many insurers on one backbone without mixing their data.

02

Separation between insurers is a property of a design. Proving it to a regulator is a record. What each one requires, where data residency fits, and the read-side question a write-side audit trail does not answer.

Read the white paper

Outcome-based mechanics: pricing a claims operation on results, not seats.

03

What an outcome has to contain before a fee can attach to it: the edge cases, the calendars, the attribution problem, and why we have not signed one of these yet.

Read the white paper

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