Motorbike claims that pay out in 90 seconds, not four weeks.
Photograph the damage, file a claim, and let four AI agents verify and decide. USDC lands in your wallet the moment the verdict is signed on-chain — no adjuster, no paperwork, no waiting.
- Vehicle
- Motorbike
- Damage
- Headlight · left mirror
- Confidence
- 87%
- Settled in
- 01m 24s
- ~90s
- claim to verdict
- 4
- AI agents in sequence
- 48h
- auto-refund deadline
- USDC
- settled on-chain
- ✓Non-custodial by design
- ✓Audited smart contracts
- ✓On-chain proof of every payout
- ✓Settled in USDC
A claims engine that never sleeps
Illustrative platform figures. Every settlement below is the same flow you can run yourself in under two minutes.
- 0USDC
- Total claims paid out
- 0all-time
- Claims settled
- 0in force
- Active policies
- 0worldwide
- Riders protected
- Connecting to network…
Cover for how you actually ride
Six classes of risk, each priced by the same four-agent pipeline. Pick a plan and you’re covered the moment the policy is written on-chain.
Damage from a crash, fall or impact — the single most common claim.
Your bike stolen or stripped for parts, verified against the registry.
Injury or property damage you cause to someone else on the road.
Fire, short-circuit or explosion damage to the vehicle.
Deliberate damage by a third party while the bike is parked.
Flood, storm and other natural events, cross-checked against weather data.
The four-agent pipeline
Each agent does one job and hands off to the next. The Judge is deterministic code — the step that moves money has to be reproducible.
- 01visionExtractor
Claude Vision reads the photo — vehicle type, plate, damaged parts, severity.
- 02cross-checkVerifier
Cross-checks the DMV registry, EXIF metadata, and the weather at the scene.
- 03pricingEstimator
Prices the repair against a parts-cost table, sanity-checked by an LLM.
- 04deterministicJudge
Aggregates the three, applies reject rules, signs a verdict, pushes it on-chain.
Three steps, no paperwork
- 1Snap the damage
Open the app, photograph your bike from any angle. That single photo is the entire claim form.
- 2Agents verify & price
Four AI agents read the photo, cross-check the facts, price the repair and sign a verdict — in seconds.
- 3Get paid in USDC
The moment the verdict is signed on-chain, your payout lands in your wallet. No cheque, no delay.
The same product, on two platforms
Every piece of middleware here exists only because today's chains cannot reach the real world on their own. That is the gap Rialo closes — and the reason this demo is built the way it is.
The numbers behind the engine
Illustrative analytics from the claims pipeline — payout volume, the mix of claim types, and monthly throughput.
Trailing 13 weeks
- Collision
- 34
- Theft
- 18
- Third-party
- 16
- Vandalism
- 14
- Weather
- 10
- Fire
- 8
Riders who got paid, fast
“Clipped a car door on my commute. Took the photo on the roadside and the payout hit my wallet before I’d even parked. Unreal.”
“My old insurer took five weeks and three phone calls. This settled a storm-damage claim in about ninety seconds while I was still mopping up.”
“What sold me is that I can see every payout on-chain. The money isn’t sitting in some company account — it’s in a contract I can audit.”
Trust model
The Sepolia build has one trusted component. Here is exactly what it can do — and the three things that box it in.
The backend orchestrator holds ORACLE_ROLE so it can submit verdicts. That power is bounded by three things:
- ✓Every verdict needs a valid signature the contract checks.
- ✓Any payout is capped at the policy’s remaining coverage.
- ✓Chainlink Automation refunds the claim if the backend dies.
On Rialo this entire layer becomes a SCALE program and disappears.
Built so you never have to take our word for it
Core vault and verdict logic reviewed and published open-source.
Premiums held by contract, never a company wallet.
Every payout carries a cryptographic signature the chain verifies.
Claims auto-refund if the backend ever stalls past the deadline.
Frequently asked
Everything riders ask before their first claim. Still curious? The whole thing is open-source.
Most claims settle in under two minutes. You photograph the damage, four AI agents verify and price it, and a signed verdict releases USDC straight to your wallet — no adjuster visit, no call centre, no waiting on a cheque.
Nobody. The platform is non-custodial. Premiums sit in an on-chain vault governed by a smart contract, and payouts are released by that contract against a signed verdict. There is no company bank account standing between you and your claim.
Every claim is cross-checked against the vehicle registry, the photo EXIF metadata and the weather at the reported time and place. The repair estimate is bounded by a parts-cost table and sanity-checked by an independent model. Payouts can never exceed the policy’s remaining coverage.
Collision, theft, third-party liability, fire and explosion, vandalism, and weather damage — up to the coverage limit of your plan. Wear-and-tear, racing and intentional damage are excluded, as with any motor policy.
The platform is currency- and country-neutral: premiums and payouts are denominated in USDC, so any rider with a wallet can hold a policy regardless of local banking rails.
This build is a working testnet demo on Ethereum Sepolia, not a licensed insurance product. It shows the full claims pipeline end-to-end and is designed to migrate to Rialo once mainnet is public.
Ready to file a claim?
Buy a plan with test USDC, then submit a damage photo. The whole flow runs on Sepolia in under two minutes.