The future of insurance is not insurance at all.

Kover.ai












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From Centralized Organization to Decentralized Collaboration

Once upon a time, we used "yellow cabs" to get from Point A to Point B, read the news on paper newspapers, and stayed at places called hotels. Today, we get around in someone else's private car with Uber, read the news from someone else's posts on Twitter, and stay in other people's homes on Airbnb. In other words, our society no longer relies on centralized organizations.

Today, we no longer need insurance companies for protection. Kover.ai uses smart contracts as a "scalable trust machine", and enables anyone, not just insurance companies, to build and distributed self-insured products. This decentralized financial infrastructure enables complete strangers in an affinity group to spread the risk by pooling capital that's managed by a decentralized, software manager.

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Centralized organization to decentralized collaboration

Once upon a time, we used ‘yellow cabs’ to get from Point A to Point B, we read our news on printed newspapers & stayed in places called ‘hotels’. Today, we get around in someone else’s car with Uber, read our news from someone else’s Twitter account & stay in someone else’s home via AirBnB. In other words, we no longer rely on centralized organizations to meet our needs.

So, what if we didn’t need insurance companies in order to get insurance? At Kover.ai we use smart contracts as the ‘scalable trust machine’ which enables us .. NOT an insurance company .. to offer self-insured products to people who need them. This decentralized financial infrastructure enables complete strangers with a common need (eg: iPhones) to reduce individual risk by pooling their capital, which is managed by a decentralized blockchain & smart contracts system.

Apply for an API

If you’re a merchant who wants to offer protection and/or warranties to your customers, you can use Kover.ai’s API to build one. Additionally, you can choose from turnkey API products that other merchants, like you, have already built.

Apply for Access
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