Cairn runs document-heavy, rule-bound work for financial institutions. Lens reads, Sift scores, Clear checks, and a person decides at the thresholds your institution sets. Insurance is the first product family, live with insurers and the licensed channels that sell for them. The same agents and the same governance carry to the regulated workflows that follow.
Figures are illustrative until each has an owner, a method and a period.
No rip-and-replace. Cairn sits beside your core, plugs into the channels that sell for you, and hands every decision that matters to your people.
Run as a wrapper on your legacy core, as a greenfield product line, or as the full core. Your system of record stays the system of record.
Telcos, banks, platforms, brokers and agents sell through their own apps, websites and WhatsApp. One product configuration serves all of them.
Agents work together on a case and stop where you tell them to. Handlers and underwriters see the reasoning, not a verdict.
Connector categories shown; the named list for each tenant lives on the platform page.
Not one large model doing everything. Each agent has one job, a schema, an evaluation set and a stop rule. The case engine hands work between them, and the governance layer decides what any of them may do.
The diagram animates the path of one case through the layers.
The page holds still while you move through the steps. The stage on the right shows what each agent does with the same claim, and where a person steps in.
The policyholder sends three photos to the insurer's number. The intake agent acknowledges, opens a case and asks for the missing discharge letter.
INTAKEEleven fields extracted from a hospital bill in Indonesian, each with a confidence score and a citation to page and line. One field falls below threshold.
LENS · AGENTCoverage, waiting period, duplicate and fraud signals, all against this policy's wording. Routine claims are cleared; this one carries a reason to route.
CLEAR · AGENTThe case arrives with the reasoning, the cited fields and a suggested outcome. The handler approves, adjusts or declines. The decision is theirs.
YOUR TEAMThe payout instruction goes to the gateway, the claim closes in your core, and the policyholder gets the message. The whole trail is exportable.
YOUR COREInsurance is where the agents run in production today. The case engine and the governance layer are line-agnostic; each new product family is a set of modules on the same record.
Product design, pricing configuration, embedded and storefront distribution for telcos, banks, platforms and brokers.
LIVESubmission intake, rules and referral thresholds, decision trace. Insurers decide; the platform prepares.
Issuance, endorsements, renewals, billing. Beside or on top of your core, which stays the system of record.
LIVEFNOL to settlement with document reading, triage and routing built in.
Prepare quotes, submit applications and track claims from WhatsApp and one workspace.
Policyholder servicing and renewal conversations.
PLANNEDEach agent does one job well and hands the case on with its reasoning attached. None of them issues, binds or pays on its own.
Reads Indonesian insurance documents: KTP, NPWP, SPPA, hospital bills, BPJS letters, STNK and BPKB, police reports, repair estimates. Confidence per field, citation per value.
How the agents work, and where they stop →Scores a submission against the insurer's appetite and rules, drafts the referral note, and refers anything outside them to an underwriter.
Coverage check, duplicate and fraud signals, routine claims cleared for approval and the rest routed to a handler with a reason.
A general model reads a document. A domain-native agent knows what a SPPA is, what a BPJS coordination letter changes, and what a policy wording allows. A new document type is a schema and an evaluation set, not a new product.
Click a boxed value to follow its citation.
Launch products faster, automate intake and triage, keep every decision with your underwriters and handlers. Your core stays the system of record.
Distribute insurance from licensed insurers in your journeys today. Next, the same agents on your own document-heavy operations: onboarding, KYC document review, credit files.
Embed financial products from licensed providers into your journeys with carrier billing, gateway payments and a servicing layer your customers already use.
Prepare quotes, submit applications and track claims from WhatsApp and one workspace. Commission statements and renewals in the same place.
An asset-light technology provider for regulated financial operations, proven in insurance first, with partner-licensed distribution and a Southeast Asia footprint. Thesis, team and traction on the investors page.
Written for the compliance officer and the risk committee as much as the operations head. Every line here is a commitment engineering signs before it ships.
Authorities, limits and review points are configuration, not prompts. Agents cannot act past them.
Model calls, data touches, decisions and the person who made them, exportable to your audit and to your regulator's request.
Each routed case carries the cited fields and the rule that fired. Retention, training and hosting posture documented in the Trust Centre.
Compliance-enabling for institutions under POJK 8/2024 (Articles 58–60), Law 27/2022 on personal data and the IT-risk rules that apply to each licence. The institution owns its regulatory approvals; Friendsure supplies the technology.
Bring three of your real documents. In 30 minutes you will see Lens read them, Clear or Sift score them, and the audit trail that comes out the other side.
Documents used in a demo are deleted within 24 hours.