Piprate helps brokers, carriers, reinsurers, and insureds **exchange insurance data in a trusted way** - with full transparency, auditable history, and strong access control - so critical workflows move faster without compromising security or compliance.

#### The problem Piprate solves in insurance

Insurance data is valuable - but it’s often trapped in fragmented systems and moved through insecure, inefficient channels (spreadsheets, email, manual re-processing). That creates three persistent issues:

- **Low trust in data provenance and quality**
- **Slow, repetitive operational cycles**
- **Cybersecurity and compliance exposure**

Piprate replaces ad-hoc transfer with a **secure, governed data exchange layer** built for ecosystem collaboration.

#### Typical insurance use cases

- A secure storage backend for a modern insurance application, protecting sensitive customer data while enabling controlled sharing with authorised parties when required
- Reinsurance exposure submission and contract negotiation workflows
- Claims collaboration with provable provenance and controlled access to supporting evidence
- Secure third-party data augmentation (risk insights, verification, enrichment) with traceability

## Core Platform Features

#### Immutable Data Vaults

Stores encrypted data permanently with cryptographic proof of ownership, access rights, and consent

#### Private Data Channels

Creates secure “lockers” for bidirectional data sharing between selected participants only

#### Digital Twin Creation

Builds risk representations from fragmented data sources into coherent, AI-friendly models

#### Global Knowledge Graph

Combines disparate datasets into a unified, versioned graph that improves data quality over time

## How Piprate Platform Works

##### Secure data wallets for every participant

Each participant has a **data wallet** that lists the data artefacts available to them - owned or shared - accessible via “lockers,” which act as **permanent, bidirectional communication channels** between one or more parties.

##### Keep custody. Share with control.

Piprate integrates with your internal systems via **cryptographically secure APIs**, and **you never give up custody of your data** - you retain control over where it is stored.

##### Transparency, auditability, and revocation by design

When data is shared, the **terms and conditions are immutably recorded** for transparency, and the data owner can **revoke access at any time**.

##### AI-ready data through continuous provenance

As datasets are cleansed or augmented over time, changes are folded into an **immutable chain of provenance**, linking datasets (with metadata) into a broader knowledge graph - so data stays usable, trusted, and defensible for analysis and downstream decisioning.

## Instant Trust, Zero Friction

Say goodbye to spreadsheets, emails, and endless verification headaches. Piprate’s ChainLocker puts trust at the heart of data - every party knows exactly where data comes from and how it’s changed, unlocking total confidence in every transaction.

With transparent, tamper-proof provenance and real-time data versioning, collaboration isn’t just simplified - it becomes a strategic advantage. Remove the uncertainty that slows growth, and act on data you can trust, every single time.

### ChainLocker: the data sharing layer

Piprate’s technology stack is designed to be enterprise-grade, combining immutable ledger-backed accountability with robust security and encryption.

[ChainLocker](/content/products/chainlocker/index.html) is the core data sharing service, exposing an API for **data storage, sharing, and retrieval requests**.

If you’re ready to move beyond email attachments and repeated re-processing, Piprate helps you modernise insurance data exchange with **trust, control, and transparency built in**.