We make identity fraud loss insurable
Fraud is inevitable. Fraud loss isn’t. Instnt combines explainable AI fraud-loss underwriting with rated, insurer-backed coverage so financial institutions can shift identity-fraud loss off their balance sheets — and grow with confidence.
Why we exist
Every bank, fintech, and lender spends heavily to detect fraud — and still writes off the fraud that gets through. That residual loss lands on the balance sheet as an unpredictable, uninsured cost of doing business. We think that’s a category error. Detection reduces the frequency of fraud; only insurance transfers the cost of the fraud that remains.
Instnt Insurance Agency arranges coverage backed by S&P AA+ rated global insurers, including Munich Re and Swiss Re. We pair that rated capacity with a real-time, actuarially-validated model that prices fraud-loss risk per account — so an approved identity that turns out to be fraud becomes a claim you file, reimbursed within 30 days, instead of a loss you absorb.
How we operate
Insurance-grade, not startup-grade
Coverage is backed by rated global reinsurers. We hold ourselves to the standards of the insurers behind us.
Explainable AI
Our underwriting is actuarially validated and explainable — a requirement, not a nice-to-have, for a regulated audience.
Aligned with our customers
We only win when your fraud loss goes down. Our model is built to reduce loss ratios, not to sell more software.
Move past fraud loss
Start with a free fraud-loss assessment for your institution.