Technology


Vesttoo’s solution is based on proprietary AI & Machine Learning algorithms - the brains behind our cutting-edge platform. These algorithms are responsible for automated and streamlined risk modeling, indemnity index calculation, instant vetted pricing and bond structuring, creating an efficient, cost effective and broadly accessible alternative risk transfer solution

Why AI and Machine Learning?


Machine Learning and AI use complex algorithms to learn from past experience and improve future decisions accordingly. These algorithms, combined with cross validation processes, provide a priceless tool in the longevity risk transfer markets

Risk Modeling and Indemnity Index Calculation

Advanced actuarial risk modeling and highly accurate indemnity index calculations are employed to ensure optimal risk transfer, significantly lowering basis risk

Automated Asset Evaluation

The Vesttoo platform uses advanced AI & machine learning algorithms for instant, automated and vetted asset modelling and risk pricing

Optimized Structuring

AI & machine learning algorithms convert insurer data into risk layers with parametric financial structures, optimized for capital capacity placement and risk transfer to the capital markets - providing immediate solvency relief

Objective & Efficient Methodology

Vesttoo’s securitization process is automated, ensuring objectivity and minimizing inefficiencies, human error and the need for expert judgement

The Vesttoo Operating System


Indemnity indices, bonds and contracts are easily accessed and managed on Vesttoo’s deal operating system. Our operating system is flexible and scalable and greatly simplifies legal and administrative work for a faster and more affordable securitization process

Indemnity Index-based Deal Operating System

Vesttoo’s easy-to-use deal operating system is indemnity index-based and constantly streamlining data in real-time, updating itself accordingly and making adjustments when needed

Smart Contracts

Our smart contracts allow clear, regulatory compliant and transparent conversion of even the most complex insurance policy pools to dynamically tranched securities matched to the risk appetite of capital markets

Third Party Integration

Our operating system allows third parties to access the Vesttoo API and integrate it within their existing infrastructures, down to the per insurance policy premium and claims level

Transparency, Consistency & Privacy

The Vesttoo operating system can only be accessed by authorized participants, who share the same anonymized data, ensuring transparency, accuracy and privacy and preventing fraud