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Straventa
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For Insurtech

Insurtech

Instant KYC at point-of-sale, claims reconciliation between platform and underwriter, AML on premium top-ups, and an OJK-PPATK file ready for filing.

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Persona we built this for
Micro-insurance platform · 1M policies/quarter · 80% mobile-only customers

Your conversion funnel can't wait 60 seconds for KYC. Your claims operations team has to reconcile platform-side payouts against underwriter-side records every month-end. Premium top-ups from a fresh account need an AML-typology check. Straventa's KYC orchestrator runs its checks in parallel so onboarding does not stall the purchase, recon runs the same day claims are paid, and monitoring rules cover the patterns the OJK insurance circular calls out by name.

How this is built to behave

KYC at point of sale
Orchestrated
checks run in parallel against a target well under a minute, so onboarding does not stall the purchase
Claims-day recon
Same day
platform and underwriter legs reconcile on the day claims are paid; anything unmatched surfaces as an aged exception
AML on top-ups
Structuring
top-ups from fresh accounts are scored for structuring typologies rather than waved through as small tickets

These are product properties and design targets, not measured customer results. Where a figure is a target it says so. We will run the numbers against your own traffic before you commit to anything.

Pains we take off your desk

The four things your team is losing sleep over

Instant KYC at sale
Below 60 seconds or the customer abandons. Liveness, KTP MRZ, and PEP screening orchestrated as one step.
Claims reconciliation cross-entity
Platform payout vs underwriter ledger vs reinsurer file — three sources of truth that have to agree to the cent.
Premium top-up AML
Anomalous top-ups from new accounts trigger structuring typologies; today, nobody's looking.
OJK + PPATK reporting
Insurance-circular reporting is a different format from banking. Our STR / report templates ship for both.
Modules wired up

What runs in production for insurtech

Typical rollout

From kick-off to production

1
Week 1
KYC orchestrator at sale
Drop in front of the existing app onboarding screen — instant lift on conversion.
2
Week 2–3
Premium + claims rails
Payment Gateway covers both legs; AML on top-ups goes async.
3
Week 4
Cross-entity recon
Underwriter + reinsurer files ingested daily; claims-day variance hits zero.

Why this works for insurtech

OJK insurance-circular reporting templates pre-mapped
Document capture and liveness tuned for mobile cameras and lighting conditions
Cross-entity recon ingests underwriter CSV and spreadsheet extracts, with per-source column mapping configured once

Ready to deploy this for your insurtech stack?

Bring your rails, controls, and deployment constraints. We will show where the platform fits and where it does not.

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