Slipped out of a coat pocket on the stairs. Face down.
In Mateo’s account
$370.00
0.50s after Mateo filed. Deposit of $37.00 held.
Checking · 1 of 4
16s left
The money is already there.
Example · five people, five bad days
Paid before you finish the sentence.
My bike was stolen outside the station last night. Lock cut clean.
The poolAmara’s account$1,212.40
Claiming$967.90
Deposit $96.79, back when it checks out.
Lands in Amara’s account in about half a second.
Then 4 checks, while Amara gets on with the day
- Policy in force
- Police report matches
- Amount within cover
- Lock on the policy
Five people, five bad days, one of them lying. File your own.
Insurance that pays your claim the moment you file it, then checks. Bikes, phones, parcels, flights, fields.
No account to look around. Sign in with your phone when you want it for real.
Just now
EveryoneExampleToday, so far
- people paid
- 392
- landed in accounts
- $184,512
- lies taken back
- 31
- people with each other’s back
- 1,641
- You, in a sentence
Say what happened
In your words, and how much. You put down a small deposit, a tenth at first.
- Half a second later
The money lands
In your account. Not a promise of a payout. The payout.
- Afterwards, while you get on
Then we check
The carrier, the weather station, the police report. True: you keep it and the deposit comes back. Not true: it is taken back.
Cover what matters this month.
A few dollars, one thing at a time, for as long as you need it. Cancel by not renewing.
- Flights$9a monthPays up to $900
- Phone screen$4a monthPays up to $420
- Parcels$3a monthPays up to $300
- A field$48for 90 daysPays up to $2,400
- A bike$7a monthPays up to $1,200
You are looking at the example. Covering here costs nothing and is not real; sign in with your phone when you want it to be.
Your word gets cheaper.
A first claim puts down a tenth. Every claim that checks out takes a point off, down to two percent. One that does not puts it back to ten. Honest people pay almost nothing to be believed.
You: first claim, 10% deposit.
Happening now
Example Sign in and file, and it is real.
Mateo M., São Paulo Rafael R., Warsaw Sat at gate 13 for three hours while the board said “delayed” and nothing else.
In Rafael’s account
$808.25
0.60s after Rafael filed. Deposit of $80.83 held.
Checking · 2 of 4
11s left
The money is already there.
Wren Q., Bogotá A child, a table edge, a sound everyone knows.
In Wren’s account
$171.90
0.42s after Wren filed. Deposit of $17.19 held.
Checking · 2 of 4
10s left
The money is already there.
The pool, right now
$3,083,591
1,641 people own it, and nobody else does.
+$249,784.90 in today−$184,512.49 paid out today74% of what came in
Your share
None yet
Every premium comes in here, and a fifth of it runs the checks. Every claim goes out of here. Every false claim's deposit lands here. If you own a share, all of that is yours in proportion, and you can leave at the size it is right now.
Fair questions.
The six things people ask before they trust it. The whole of it fits on one page.
Read the rulesIs this real money?
Yes. It is dollars, held in a pool, paid to your account the moment you file. What you see before you sign in is an example that runs on the same rules and says so.
What stops someone from lying?
The deposit. You put down a tenth of the claim when you file. If the checks find the claim was false, the money is taken back, the deposit is gone, and you cannot file again until you have paid back what you owe.
Who does the checking?
An independent checker with access to the things that prove a claim: the airline’s delay record, the courier’s scans, the weather station nearest your field, the police report number. Every check is written where you can see it.
Where does the money come from?
From the pool. People put money in, premiums and forfeited deposits add to it, claims come out of it. Anyone can own a share of the pool and earn from every premium.
Do I need a crypto wallet?
No. You sign in with your phone, face or fingerprint. There is nothing to install and nothing to learn.
Why does it work here and nowhere else?
Because the money lands in under a second and cannot be undone by anyone but the checks. On older systems a payment can sit pending for minutes, or be reversed by a bank, which is why insurance always checked first. Here it does not have to.