Insurtech & MGA's
Underwrite one entity — you. Premium settles the way insurance already settles. Your data stays yours.
$114B
U.S. MGA premium written in 2024 — doubled since 2020 (Conning ’25)
What every MGA tells us
“Payment vendors don’t understand flow of funds.”
Premium treated like a checkout total — e-commerce infrastructure pointed at fiduciary money.
“Account segregation is on us to fake with spreadsheets.”
Carrier money, commission, and operating cash blur into one balance. Reconciliation becomes archaeology.
“They don’t get it until after you say yes.”
The gaps surface mid-implementation, after the contract is signed. By then it’s your problem.
What changes
Built for fiduciary money, not checkout totals
Own the relationship
Segregated trust accounts by design, carrier settlement on cycle, and reserve transparency as the product — not bolted on.
Keep the margin
One underwriting event — you, not your carrier panel. Downstream parties paid via accounts payable, with no per-party onboarding or payout fees.
Compound the growth
Developer-first APIs and a portable data foundation you own. No lock-in at any layer — an exit you’ll never need, built in from day one.
How money moves
One flow of funds, from policyholder to carrier
Follow a premium dollar through the system — segregated, settled, and paid out the way insurance actually works.
Capabilities
What you build with us
The beachhead, honestly drawn — acceptance, trust settlement, and a data foundation you own, at whatever depth you choose.
Premium acceptance
Card, ACH, and digital wallets — accepted as premium from the first quote.
Premium payments
today
Card ··4242
POL-88213 · new business
$1,240.00
ACH transfer
POL-88104 · renewal
$3,980.00
Digital wallet
POL-87991 · endorsement
$760.00
Card ··8812
POL-88347 · new business
$2,120.00
To trust today
$8,100.00
Trust-account settlement and reconciliation
Segregated by design — carrier funds, commission, and operating, never commingled.
Accounts-payable payouts
Producers and partners paid from trust on the settlement cycle — no per-party onboarding.
Transparent, program-relative reserves
A reserve window tied to your real signals — not a blanket assumption.
A data foundation you own
Business records, tokens, and history — portable and usable, not hostage.
Developer-first APIs and docs
Built for the technology company you actually are — ship from a sandbox on day one.
Where we’re taking it
Governance and predictive risk — on the roadmap, labeled honestly. Nothing here ships as live.
Demosphere grew profit margins with embedded payments.
30+ years
serving sports organizations worldwide
Thousands
of clubs, leagues, and tournaments on platform
100%
data ownership retained
Products used
Payments · Engage
Built for your whole team
Every seat gets a reason to say yes
For builders
Ship with APIs and components
Developer-first APIs and docs
Drop-in components where speed wins
A sandbox from day one
For operators
One source of truth per program
Statements producers stop chasing
Trust balances at a glance
Reconciliation that isn’t archaeology
For finance and compliance
Segregation by design
A sponsor-bank-approved program framework
Qualifying programs onboard without starting over
Clean, auditable reporting
How we work
De-risked by design
Pick your depth, flow by flow
APIs where you want control, components where you want speed. Adopt one flow or the whole stack — and change the mix later without starting over.
No lock-in, at any layer
Your data stays portable and usable — records, tokens, and history. An exit you’ll never need, built in from the start.
Questions, answered.
Walk through your flow of funds — before you sign anything
The flow-of-funds design is the product. We’ll map yours together — trust structure, settlement cycle, reserve window — before a contract ever shows up.
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