Tamper-evident chain of custody, cross-insurer duplicate detection, and real-time risk scoring for East African insurers — from accident scene to claims decision.
Most of it walks through the front door — the same photo resubmitted, the same vehicle across multiple insurers, the same staged accident scene captured at golden hour and filed three times. Without infrastructure that remembers, fraud wins every time.
Cross-insurer duplicate detected
Evidence hash 82e2dbbf... matches submission at Apollo Health TPA · June 14, 2026 · Confidence: 100%
Claim submitted
Day 0
Manual review
Days 1–5 · KES 3,500
Paid out
KES 50K–500K lost
Mobile app for claims agents. SHA-256 hashed on-device before the photo leaves the phone. GPS-stamped. Offline-first — works on 2G, in basements, at accident scenes with no signal. The chain of custody begins the moment the shutter clicks.
The cross-insurer perceptual hash index. Every piece of evidence uploaded by any partner is indexed by its visual fingerprint. Submit the same photo twice — cropped, compressed, screenshotted, re-photographed — Qweli Match catches it every time.
Real-time policy validation and risk scoring in a single API call. Returns a decision — AUTO_APPROVE, UNDER_REVIEW, or ESCALATE — with a risk score and full fraud signal breakdown. Clean claims move in 4 seconds. Suspicious ones get a full evidence trail.
Same vehicle. Same damage. Two different insurers. Six days apart. Qweli catches it in real time.
Every architectural decision optimises for tamper-evidence, privacy, and performance in low-connectivity environments. Insurers never see each other's raw data — only hash signals.
Every piece of evidence is hashed on-device at capture. Any post-capture modification breaks the chain immediately.
DCT-based visual fingerprinting. Detects cropped, compressed, screenshotted, or re-photographed images that defeat exact-hash comparison.
Insurers never see each other's raw data. Only opaque hash matches are shared through Qweli Match.
Vehicle KDA 245B — 4 claims across 3 insurers in 30 days. Combined value: KES 1.2M
12 incidents within 800m of Mombasa Road — May–June 2026
Drop Qweli into your existing claims workflow. Returns a risk score, decision, and fraud signal in under 200ms. Standard REST + JSON. No batch processing, no manual queue.
// Request
POST https://qweli.maveriqinsure.com/v1/verify
x-api-key: qweli-demo-savannah-motor-2026
{
"policyNumber": "SMA-MOT-100231",
"mediaHash": "82e2dbbf06c2ac...",
"incidentType": "MOTOR_ACCIDENT",
"latitude": -1.2864,
"longitude": 36.8172
}// 200 — clean claim
{
"verified": true,
"riskScore": 0.05,
"decision": "AUTO_APPROVE",
"duplicateFlag": false
}// 200 — fraud detected
{
"verified": true,
"riskScore": 0.92,
"decision": "ESCALATE",
"duplicateFlag": true,
"crossTenant": true,
"confidence": 1.0
}Prices in KES · USD available · VAT applicable
"Qweli flagged a duplicate vehicle claim we would have paid out in 48 hours. The ROI was immediate — it paid for the entire year's subscription in a single prevented payout."
Wanjiru Kamau
Head of Claims · Savannah Motor Assurance
"The pre-authorisation velocity check has saved us from three fraudulent health admissions this month. What used to take two days now takes four seconds."
Amina Odhiambo
Medical Director · Apollo Health TPA
Get a sandbox API key instantly. Full documentation, Postman collection, and code examples.
// Verify evidence and get a fraud decision in <200ms
POST https://qweli.maveriqinsure.com/v1/verify
x-api-key: qweli-demo-savannah-motor-2026
{ "policyNumber": "SMA-MOT-100231", "mediaHash": "82e2dbbf...",
"incidentType": "MOTOR_ACCIDENT", "latitude": -1.2864, "longitude": 36.8172 }
// 200 OK
{ "riskScore": 0.05, "decision": "AUTO_APPROVE", "duplicateFlag": false }// Register a capture, get a presigned upload URL
POST https://qweli.maveriqinsure.com/v1/captures
Idempotency-Key: device-uuid-capture-001
{ "incidentType": "MOTOR_ACCIDENT", "mediaHash": "sha256-on-device",
"latitude": -1.2864, "longitude": 36.8172, "mimeType": "image/jpeg" }
// 201 Created
{ "evidenceId": "uuid", "uploadUrl": "https://presigned-url..." }// Cross-insurer match statistics
GET https://qweli.maveriqinsure.com/v1/match/stats
// 200 OK
{ "totalEvidenceIndexed": 2847, "fraudFlagsCreated": 34,
"estimatedFraudCaught": 12, "crossTenantMatchRate": 0.004 }// Cross-incident fraud pattern analytics
GET https://qweli.maveriqinsure.com/v1/analytics/fraud
// 200 OK
{ "fraudRate": 50, "estimatedSavingsKES": 200000,
"crossIncidentPatterns": [
{ "patternType": "ASSET_VELOCITY", "severity": "HIGH", "confidence": 0.95 }
] }
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Free · Android 8.0+ · No Play Store required