WEBVTT
Kind: captions
Language: en

intro
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An insurer paying claims on the fastest sensible rail. Illustrative scenario. One person, one agent. One record of who checked, approved and paid.

h1
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<v person>A policyholder browses their approved claim and the payout options.
[Browse: checked by policyholder]

a1
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<v agent>A repair shop's billing agent intends to collect for an approved repair.
[Intent: checked by agent]

h2
00:00:06.800 --> 00:00:09.200
<v person>The approved claim creates a payout instruction with payee and amount. Recorded.
[Pay: checked by insimbi API (token); recorded by insimbi audit record]

a2
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<v agent>insimbi checks the insurer's rules: claim approved, payee on file, amount in bounds.
[Policy check: checked by insimbi rules; recorded by insimbi record]

a3
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<v agent>The shop's agent sends an x402-style payment request tied to the claim.
[Pay request: checked by insurer API]

h3
00:00:14.800 --> 00:00:17.200
<v person>Above the threshold, a claims lead approves the payout.
[Approve: checked by rules check; approved by claims lead; recorded by insimbi record]

a4
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<v agent>An adjuster approves the repair payment, bound to that exact claim.
[Approval: checked by rules check; approved by adjuster (a person); recorded by insimbi record]

i1
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<v insimbi>Person or agent, insimbi applies the same rules and keeps one record.
[Transaction: checked by payout rule; recorded by insimbi record]

i2
00:00:23.400 --> 00:00:26.200
<v insimbi>Instant bank where supported, ACH otherwise, a stablecoin for payees who ask.
[Rail: checked by payout cutoffs; recorded by insimbi record]

i3
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<v insimbi>insimbi submits each payout and takes the rail results back.
[Settle: checked by rail; recorded by insimbi record]

i4
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<v insimbi>Each payout links to the claim, the rail chosen and why: a trail for the regulator.
[Record: checked by reconciliation; approved by claims lead, adjuster; recorded by insimbi record]

end
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