Good morning, Elena
47 claims in your queue · 3 flagged for investigation · Bordereaux received from 13/14 partners today
Claims queue
47
↑ 8 vs. yesterday
Auto-paid today
132
● $41,250 total
Avg. settlement
4.2d
↓ 0.6d · target <5d
Loss ratio MTD
58%
target <65%
Fraud flags
3
↑ 1 this week
Bordereaux on time
97%
target >95%
Your queue · Needs attention
Full queue →
| Claim | Type | Amount | AI | Band | Status |
|---|---|---|---|---|---|
| CS-2047 Binance · 4h ago |
Custody breach | $142,500 | H0.81 | $50k–250k | Flagged |
| CS-2046 Bybit · 6h ago |
Outage cascade | $8,200 | M0.54 | $5k–50k | Pending |
| CS-2045 OKX · 8h ago |
ADL failure | $34,180 | L0.18 | $5k–50k | Under review |
| CS-2042 Kraken · 12h ago |
Withdrawal failure | $2,450 | L0.09 | $500–5k | Sample review |
| CS-2038 Huobi · 1d ago |
Liquidation error | $312,000 | M0.47 | >$250k | CEO sign-off |
Claims volume · 7d
Details →
847 this week
$284k paid out
Fraud signals
Investigate →
3 correlated claims · Wallet cluster 0x4f...a8b1
Binance, OKX, Bybit — same beneficiary wallet, $8.2k aggregate
2h ago
Claim frequency anomaly · User #38412
4 claims in 14 days vs. historical baseline 0.2/mo
Yesterday
Outage-induced spike · Bybit 14:20 UTC
42 claims received in 10min window, linked incident
2d ago
Claims queue
AI-triaged, sorted by priority. Click any row to open the case file.
| Claim ID | Claimant | Incident type | Exchange | Filed | Amount | AI score | Approval | Status | Actions |
|---|---|---|---|---|---|---|---|---|---|
| CS-2047 | User #88214 Cryp-Sure-EX |
Custody — Hot wallet compromise | Binance | 4h ago | $142,500 | H0.81 | $50k–250k | Flagged | |
| CS-2046 | User #71023 Cryp-Sure-EI |
Outage — Cascading failure | Bybit | 6h ago | $8,200 | M0.54 | $5k–50k | Pending | |
| CS-2045 | User #92118 Cryp-Sure-EX |
ADL — Execution error | OKX | 8h ago | $34,180 | L0.18 | $5k–50k | Under review | |
| CS-2044 | User #44872 Cryp-Sure-EI |
Transaction — Incorrect price | KuCoin | 9h ago | $420 | L0.06 | AUTO | Auto-paid | |
| CS-2043 | SolarNode Ltd D&O |
Regulatory investigation | — | 11h ago | $85,000 | M0.42 | $50k–250k | Legal review | |
| CS-2042 | User #38412 Cryp-Sure-EI |
Deposit — Memo-based failure | Kraken | 12h ago | $2,450 | L0.09 | $500–5k | Sample review | |
| CS-2041 | User #60217 Cryp-Sure-EX |
Liquidation — Skipped margin call | Bitget | 14h ago | $18,720 | M0.38 | $5k–50k | Under review | |
| CS-2039 | Meridian Capital Super |
Transaction settlement error | OKX + Binance | 18h ago | $1,240,000 | M0.31 | >$250k | CEO sign-off | |
| CS-2038 | User #22901 Cryp-Sure-EX |
Liquidation — Incorrect price | Huobi | 1d ago | $312,000 | M0.47 | >$250k | CEO sign-off | |
| CS-2037 | User #11892 Cryp-Sure-EI |
UI-induced — Fee misrepresentation | MEXC | 1d ago | $180 | L0.04 | AUTO | Auto-paid |
Custody breach — Hot wallet compromise
Agentic AI triage
Recommendation: Hold for investigation before payout.
- Claim amount ($142,500) exceeds Band 3 threshold — requires Head of Claims approval per BRD §5.4.2
- Destination wallet 0x4f...a8b1 appears in 3 correlated claims across 3 exchanges (72h window) — fraud heuristic triggered
- Covered incident class confirmed: §3.1.3.1 Custody — Hot wallet compromise; coverage limit $100k (EX tier), claim exceeds limit by $42.5k
- On-chain tx hash verified on Bitcoin mainnet; timestamp consistent with claim narrative
- No prior claims by this User_ID in last 12mo; KYC status Verified/Full
Incident summary
On April 17, 2026 at 03:17 UTC, 4.82 BTC and 61.4 ETH were transferred from the beneficiary's Binance hot wallet to an unknown destination address without authorization. The beneficiary reports no compromised credentials, active session, or authorized API key. Binance confirms the transactions were signed by the wallet's operational keys and flags this as a potential hot-wallet-level custody failure. The beneficiary is covered under Cryp-Sure-EX upgraded coverage (wallet limit $100,000).
On-chain forensics · Primary transaction
Open in Chainalysis →
tx_hash: 4e8f2a1c...b7d9e3f1a8c4
chain: Bitcoin mainnet
block: 882,041
timestamp: 2026-04-17 03:17:42 UTC
value: 4.82 BTC ($127,800)
from: bc1qk2x8p...m4a2h0n // Binance hot wallet (custodial)
to: bc1q4f...a8b1 ⚠ appears in 3 correlated claims
fee: 0.00041 BTC
status: Confirmed · 184 confirmations
destination_analysis:
cluster: UNATTRIBUTED · high-risk
age: 14 days
tx_count: 12 inbound, 0 outbound
risk_score: 8.4 / 10
Proposed payout
$100,000
Capped at EX wallet limit · $42.5k excess uninsured
Decision
Band 3
Requires Head of Claims + CFO sign-off per approval matrix. Claims committee recommendation needed before release.
All decisions logged · audit trail required per §4.2
Policy
ProductCryp-Sure-EX
Coverage class§3.1.3.1 Custody
Per-wallet limit$100,000
Per-txn limit$50,000
Annual aggregate$400,000
Used YTD$0
Beneficiary
User ID#88214
KYC statusVerified · Full
PEP flagNo
Prior claims0 (last 12mo)
Coverage sinceSep 2025
Underwriting review
HTLV application — AI-prepared risk dossier, your decision
N
NovaChain Exchange SA
Agentic AI assessment
Recommended: Accept with standard terms and risk-based pricing uplift.
- All 8 required documents received and AI-validated: incorporation, trading license, CASP classification, governance, custody model, tech architecture, on-chain exposure, loss history
- Regulatory status clean: authorized under Malta VFA, MiCAR transition filed Nov 2025
- No material loss events in 24mo; one minor outage (14min, 2025-08) with no client impact
- Custody model: 95% cold storage via Fireblocks, 5% hot wallet segregated by currency — low residual risk
- On-chain exposure concentrated in BTC/ETH/USDC; no exposure to sanctioned entities per Chainalysis screen
Coverage mapping · MiCAR Article 67
All obligations mapped
Operational failures
System outages, process failures, internal control breakdowns
$2.5M
Custody and safekeeping failures
Loss of crypto-assets due to operational error; internal mismanagement
$5.0M
Regulatory and compliance breaches
MiCAR obligation failures; administrative sanctions
$1.5M
Technology and cyber incidents
Smart contract failures, infrastructure compromise, oracle failures
$3.0M
Consumer protection incidents
Erroneous transactions, failure to execute client instructions
$1.0M
Document validation
8/8 accepted
Certificate of incorporation · Malta Business Registry
VFA Agent license · MFSA
Custody model documentation · Fireblocks + self
On-chain exposure calculation
27
Low risk
AI composite score based on custody model, regulatory standing, on-chain exposure, and loss history
Proposed pricing
Base premium$48,000
Risk uplift (+12%)$5,760
Cyber add-on$8,400
Annual total$62,160
MiCAR capital unlocked: $4.8M
Risk factors
Custody modelLow
Regulatory standingLow
On-chain exposureLow
Tech architectureMedium
Loss historyLow
GovernanceLow
Underwriter action
Finance overview
Cash, receivables, reinsurance, and regulatory KPIs · month-to-date
GWP · MTD
$2.84M
↑ 18% vs prior
Loss ratio
58%
target <65%
Expense ratio
22%
target <25%
Combined ratio
80%
↓ 4pp · target <90%
Cash collection
96%
target >95%
Cash position
$18.2M
across 4 currencies
Bordereau monitoring · partner feeds
Daily and monthly partner data feeds, reconciliation status
Current
9 of 12
✓ On-time submission
Late
1 partner
Gate.io · 18h overdue
Failed validation
1 partner
HTX · schema mismatch
Reconciliation variance
$3.2k
0.11% of premium · within tolerance
AR ageing · LTHV products
Collections detail →
0–30 days
$412k
Automated monitoring
31–60
$84k
1st reminder sent
61–90
$38k
A/M contact
91–120
$12k
Final notice
121+
$4k
Coverage suspended
Total receivables: $550k
Bad debt provision: $8k (5% >90d + 50% >120d)
Reinsurance flow · Q2
Gross written premium$2.84M
Fronting fee (3%)− $85,200
Reinsurance cession (12%)− $331,056
Net written premium$2.42M
Next settlement30 Jun 2026
Outwards bordereauDue in 11 days
Claims paid · by product (MTD)
EI
$842k
EX
$440k
MiCAR
$210k
D&O
$118k
Super
$58k
Regulatory reporting · LoFSA Labuan
Reporting hub →
Q1 2026 Solvency return✓ Filed
Q2 2026 Solvency returnDue 15 Jul
Annual actuarial reportDue 31 Mar 2027
IFRS 17 technical provisionsCurrent
Unearned premium reserve$1.82M
Claims reserves (IBNR)$640k
Bordereau monitoring
Partner data feeds, ingestion quality, and premium reconciliation · live view
Premium declared · MTD
$2.74M
from 12 partner feeds
Premium received
$2.71M
98.9% of declared
Variance
$3.2k
0.11% · within 0.5% tolerance
Losses declared
$1.67M
1,284 loss events
Claims filed (our side)
1,276
8 declared, no claim filed
Schema validation
11 / 12 passing
HTX submitted with missing loss_type column in 14 rows. File rejected; resubmission requested.
Timeliness
10 / 12 on time
Gate.io 18h overdue. Huobi pending first delivery (new partner, activation Tue).
Anomaly flags
3 · all reviewed
Loss-to-volume ratio on Bybit +2.3σ vs 12-week mean; investigated, explained by 17 Apr outage. Cleared.
| Partner | Cadence | Last received | Next expected | Status | Premium declared (MTD) | Received | Variance | Reconciliation | |
|---|---|---|---|---|---|---|---|---|---|
| Binance BN-001 · EI + EX |
Daily | Today 06:00 | Tomorrow 06:00 | ✓ Current | $680,240 | $680,240 | — | Reconciled | › |
| Coinbase CB-001 · EI |
Daily | Today 05:45 | Tomorrow 05:45 | ✓ Current | $412,180 | $412,180 | — | Reconciled | › |
| OKX OK-001 · EI + EX + MiCAR |
Daily | Today 07:12 | Tomorrow 07:00 | ✓ Current | $378,520 | $377,160 | −$1,360 | Investigating | › |
| Bybit BY-001 · EI + EX |
Daily | Today 06:30 | Tomorrow 06:30 | ✓ Current | $289,720 | $289,720 | — | Reconciled | › |
| Kraken KR-001 · EI |
Daily | Today 05:58 | Tomorrow 06:00 | ✓ Current | $241,340 | $241,340 | — | Reconciled | › |
| Bitstamp BS-001 · EI + D&O |
Daily | Today 06:44 | Tomorrow 06:30 | ✓ Current | $182,060 | $180,220 | −$1,840 | Investigating | › |
| Bitget BG-001 · EI + EX |
Daily | Today 07:02 | Tomorrow 07:00 | ✓ Current | $154,880 | $154,880 | — | Reconciled | › |
| KuCoin KC-001 · EI |
Daily | Today 06:17 | Tomorrow 06:15 | ✓ Current | $132,470 | $132,470 | — | Reconciled | › |
| Gate.io GI-001 · EI |
Daily | Yesterday 06:00 | 18h overdue | ⏱ Late | $98,210(prior period) | — | — | Awaiting file | › |
| HTX HX-001 · EI |
Daily | Today 06:02 ✗ | Resubmission due | ✗ Failed validation | $71,840(est.) | — | — | Schema mismatch | › |
| Huobi HB-001 · EI |
Daily | No submissions yet | Tue 28 Apr | ◌ Pending | — | — | — | New partner | › |
| Meridian Digital MD-001 · D&O |
Monthly | 1 Apr 06:00 | 1 May 06:00 | ✓ Current | $48,400 | $48,400 | — | Reconciled | › |
Outwards bordereau · to reinsurance panel
Next submission: 30 Jun 2026 · treaty XL-2026-Q2
Ceded premium · QTD
$331,056
12% of gross
Ceded claims · QTD
$180,400
7 losses above $25k XL retention
Treaty utilisation
34%
of $5M Q2 layer
Next trigger
No warning
retention at 68% of layer
Coinbase · CB-001
Daily bordereau · EI blanket cover · onboarded Oct 2025 · 204 files received
| Declared in bordereau | $412,180 |
| Cash received (wire + auto-debit) | $412,180 |
| Variance | $0 |
| Days to settlement (average) | 0.4 days |
Loss reconciliation · April 2026
2 pending
| Losses declared in bordereau | 212 · $248k |
| Claims filed through user portal | 210 · $246k |
| Gap | 2 events · $2k |
| Pending action | Outreach to affected users |
Recent file history
View all 204 files →
| Received | File | Rows | Schema | Validation | Premium | Losses | Status |
|---|
Ingestion quality · 90-day window
Files received90 / 90 expected
On-time rate100%
Schema pass rate100%
Mean validation warnings / file0.3
Average file size8,412 rows · 2.1 MB
Delivery channelSFTP · sftp.cryp-sure.io
Last schema update14 Feb 2026 · v2.3
Premium trend · 30 days
30-day average$20,108 / day
Trend vs prior 30↑ 14.2%
Loss ratio (30d)51%
User claims filed598
Exchange partners
Bordereaux ingestion health, premium reconciliation, and on-platform reserves
Covered end-users
4.2M
across 14 exchanges
Bordereaux today
13/14
1 outstanding — MEXC delayed
On-platform reserves
$4.8M
across partner wallets
EX upsell rate
8.4%
↑ 1.2pp QoQ
Today's bordereaux feed
Full log →
Binance · binance-ei-master
428,192new users
Ingested
Bybit · bybit-ei-master
184,408new users
Ingested
OKX · okx-ei-master
91,204of 91,246
Partial
Kraken · kraken-ei-master
61,847new users
Ingested
MEXC · mexc-ei-master
—not received
Escalated
KuCoin · kucoin-ei-master
38,290new users
Ingested
Bitget · bitget-ei-master
27,114new users
Ingested
OKX · Schema validation failures
42 records rejected in today's bordereau. Resubmission window: 48h.
Exchange_IDOK
User_IDOK · unique
Date_of_Birth42 invalid
Country_of_ResidenceOK
KYC_StatusOK
Sanctions_Check_DateOK
On-platform reserves
Binance wallet$1.42M
Bybit wallet$820k
OKX wallet$680k
Kraken wallet$420k
10 others$1.46M
Total on-platform$4.80M
AI governance
Model versions, drift detection, bias audits, and human override logs per BRD §4.2
Active models
5
production · 2 in shadow
Decisions today
1,284
132 auto-paid
Human overrides
8
0.6% override rate
Drift alerts
1
custody model · minor
Fairness score
0.94
≥ 0.80 threshold
Audit log retention
7y
LoFSA requirement
Production models
Deployment history →
Claims triage classifier
cs-triage-v4.2.1 · deployed Mar 18, 2026
Fraud heuristic · wallet clustering
cs-fraud-v2.8.0 · deployed Feb 2, 2026
Custody breach detector
cs-custody-v3.0.2 · deployed Jan 14, 2026
Underwriting risk scorer
cs-uw-v1.4.0 · deployed Oct 28, 2025
Document validation · CASP intake
cs-docval-v2.1.0 · deployed Sep 4, 2025
Drift · custody model · 14d
Above threshold
Population Stability Index by day. Threshold 0.1 (red line).
2 wks ago
Today
Recommendation: Retrain against last-30d data. Elevated claim frequency from outage-induced cascade is shifting input distribution.
Shadow models
cs-triage-v5.0-rc184% match w/ prod
cs-fraud-v3.0-rc291% match
Shadow = runs on live traffic, decisions not used. Promote after ≥95% match + 7d stability.
Bias audit · claims triage v4.2.1
Last run · Apr 14, 2026
Approval rate and auto-payout rate by protected attribute, compared to overall baseline (83.4% approval, 15.8% auto-pay). Deviations >5% flagged.
Attribute
Approval rate
Auto-pay rate
Avg. payout
Sample size
Country · EU
83.1% (−0.3)
15.6% (−0.2)
$1,124
38,402
Country · APAC
84.2% (+0.8)
16.1% (+0.3)
$982
52,104
Country · LATAM
78.1% (−5.3)
12.2% (−3.6)
$1,401
4,219
KYC · Full
86.4% (+3.0)
17.2% (+1.4)
$1,108
68,421
KYC · Basic
74.8% (−8.6)
8.1% (−7.7)
$684
18,102
Claim value · <$1k
94.2% (+10.8)
68.1% (+52.3)
$312
56,214
2 fairness flags. Approval rate is materially lower for LATAM claims (−5.3pp) and for Basic-KYC users (−8.6pp). Partially explained by documentation quality and coverage tier mix, but requires reviewer sign-off.
Recent human overrides · triage
Full log →
CS-2047 · AI said "Auto-pay $100k" → handler held for investigation
Correlated claim pattern · wallet cluster 0x4f...a8b1
E. Okafor
2h ago
Override
CS-2033 · AI said "Deny" → handler approved $3,200
Novel outage pattern not yet in training set
M. Chen
1d ago
Override
CS-2019 · AI said "Approve $8.2k" → handler denied
Evidence inconsistent with on-chain timeline
E. Okafor
2d ago
Override
Override → retraining pipeline
Human overrides feed the labelled dataset for the next model release. Reviewers must tag each override with a reason code.
Overrides pending review3
Tagged this cycle147
Training corpus v5 size12,402 labels
Next model candidatecs-triage-v5.0-rc1
Scheduled shadow startMay 5
Super · HNW bespoke
Institutional-tier coverage for clients trading $1M+ · exchange referral required · BRD §2.3
Meridian Capital Partners LP
Referred by OKX · institutional trader · 90-day annualised volume $4.2B · 7 protocols / 11 assets declared
Agentic AI pre-assessment
Recommendation: Accept with bespoke $5M per-loss limit, $100k deductible, and per-exchange sub-limits.
- Client trades $4.2B annualised across 7 exchanges — qualifies under BRD §2.3.1 threshold ($1M+)
- Referred by OKX with full asset declaration and 13-month trading history; no prior losses or disputes
- Third-party enhanced KYC completed via Sumsub; PEP/sanctions screen clear; UBO chain 3 levels deep verified
- Multi-exchange exposure concentrated in BTC/ETH/USDC/SOL; all 9 risk categories §2.3.3.1–9 addressable
- Proposed $5M per-loss aligns with single largest position across exchanges; sub-limits prevent single-venue over-exposure
Exchange referral
Required · BRD §2.3.2
O
OKX Asia Pacific Pte Ltd · Institutional desk
Referral: OKX-REF-2026-0847 · Submitted Apr 11, 2026
Attested: client identity, account standing, 13mo trading history
Enhanced KYC progress
BRD §2.3.6
✓
Entity verification · Cayman Islands GP structure
Completed via Sumsub · 3 UBO levels traced
Apr 13
✓
Source of funds attestation
Institutional LP structure · audited financial statements reviewed
Apr 14
✓
Sanctions & PEP screening
Chainalysis + Refinitiv World-Check · all clear
Apr 14
4
Director & authorised-signatory KYC
3 of 4 individuals verified · awaiting J. Rosselli passport copy
Pending
5
Enhanced due diligence review
Requires compliance officer sign-off before binding
—
Multi-exchange asset declaration
11 positions verified
Self-declared balances confirmed via exchange attestation API; values at 15:00 UTC on Apr 17.
O
OKX · primary venue
BTC 28.4 · ETH 412 · USDC 2.8M · SOL 14.2k
$6.84M
Attested
B
Binance
BTC 12.1 · ETH 184 · USDC 840k
$2.92M
Attested
K
Kraken
BTC 4.2 · ETH 62 · USDC 240k
$980k
Attested
+
4 other venues
Mixed USD / stablecoin · see full schedule
$1.26M
Attested
Total declared AUM
$12.0M across 7 venues
Proposed bespoke terms
Per-loss limit$5.0M
Deductible$100k
Aggregate limit$15M
Annual premium$380k
Term12 months
Review cadenceQuarterly
Pricing uplift 2.4× standard · reflects bespoke limits and concentration
Per-exchange sub-limits
OKX (primary)$3.0M
Binance$1.5M
Kraken$800k
4 others$700k
Coverage categories · §2.3.3
Custody failure✓
Settlement error✓
Liquidation failure✓
Outage cascade✓
ADL failure✓
Oracle / 3rd-party✓
UI / interfacesub-limit
Deposit/withdrawal✓
Transaction error✓
UW action
Head UW + CFOSuper policies >$2.5M require Head UW + CFO sign-off