Mavvrixx.ai — Insurer Partner Journey
This guide walks your team through the complete Mavvrixx.ai partner journey — from listing your products on the Mavvy distribution platform, to accessing IndieShield™ Signal for underwriting, to full API production. Each stage is self-serve. No MSA negotiation. No implementation consultant. A carrier can go live in under 3 weeks without a single call.
At ONUG (Open Networking User Group), a thesis called "Beating the 4%" laid out why the vast majority of enterprise AI initiatives stall at the pilot stage. Not because of technical limitations — because of misalignment between technology investments and business operating models. Insurance, with its complex distribution relationships and legacy infrastructure, is particularly exposed to this failure mode.
The thesis identified three root causes. Mavvrixx directly addresses all three:
Carriers buy 30 disconnected AI tools. No coherent path to scale.
MAP Protocol is the single integration point. One connection gives your AI agent 19 tools — IndieScore™, IndieVerify™, IndieShield™, Gap Engine, Consent Token. Govern one vendor, not thirty.
"Without unified data, you are not personalizing — you are guessing."
The Vault is the unified, worker-consented financial identity layer. Carriers query verified income, vocation, and coverage data — not scraped estimates. Consent-gated. FCRA-safe. Living data twin, not static snapshot.
Carriers that hand distribution to aggregators spend the next decade competing on price alone.
The Product Listing Portal (Stage 1B) puts your products inside the Mavvy workflow — surfaced at the exact moment a worker's Gap Engine flags a coverage hole. You own the distribution moment. No aggregator intermediary.
"The carriers that will lead are those that built the right operating model, owned the experience layer, and treated AI as organizational infrastructure — not a pilot project."
— ONUG "Beating the 4%" thesis · Mavvrixx is that infrastructure.
- Hero Split Layout — Left: bold headline "Underwrite the Workforce of the Future. Starting Today." with 2-line subhead + two CTAs ("Start Free Pilot" primary red button, "View API Docs" ghost). Right: animated visual of IndieShield™ Signal API JSON response.
- Three-stat row below hero: "1.57B independent workers" | "$1.6T in addressable premiums" | "8–14% loss ratio improvement"
- Value prop cards (icon + headline + 1-line): Vocation Risk Class | Income Stability Score | Coverage Inventory
- How it works: 4-step horizontal process — Integrate → Query → Receive Signal → Underwrite — with step numbers
- Pricing preview: Three tier cards side-by-side — Lite ($35), Standard ($65), Deep ($95) — with feature comparison checkmarks
- Sticky nav bar with "Start Free Pilot" button always visible at top
- Footer CTA: "500 free queries to start. No MSA. No sales call." with email capture field
Underwrite the Workforce
of the Future.
Starting Today.
Access real-time vocation risk, income stability, and coverage inventory signals on 1.57B independent workers. No actuarial build. Self-serve in 15 minutes.
{
"worker_id": "IID-00012345",
"indiescore": 71,
"vocation_risk_class": {
"class": "B2",
"label": "Skilled Trade",
"confidence": 0.94
},
"income_stability": {
"score": 74,
"trend": "improving"
},
"gap_flags": [
"no_disability_coverage"
],
"consent_verified": true
}
- Strategic framing: "Product Listing is the fastest path to distribution — your products reach 1.57B independent workers through Mavvy's native workflow, surfaced at the exact moment a Gap Engine match fires. No broker fees. No aggregator rankings. No DTC spend. Add IndieShield™ Signal to unlock underwriting intelligence on the same workers you're now reaching. Two revenue streams, one relationship."
- Self-serve product submission form with the following fields: Product name + carrier brand (display name); Coverage type (dropdown: General Liability, E&O/Professional, BOP, Disability, Life, Cyber, Nomad/Travel, Income Gap, Health/ACA); Eligible worker archetypes (multi-select); Eligible geographies + licence jurisdictions; Premium range min/max (monthly, USD); Quote method (radio: Carrier API endpoint / Mavvrixx-hosted quote form); Quote API endpoint URL + API key; Bind method (radio: Deep-link redirect / Embedded iframe / API bind); Commission rate offered to Mavvrixx; Required Vault eligibility fields (e.g.
vault.income.annualIncome > 24000); Product PDF/brochure upload. - Review process: "Mavvrixx reviews submissions within 48 hours. Products must meet carrier-only rule: never MGAs, brokers, or middleware names. Carrier brand displayed to workers."
- How Mavvy surfaces it: Gap Engine routes →
vault.gap_flagsmatch → Mavvy recommends → worker taps → quote → bind → commission earned. - Commission flow: Mavvrixx earns % of bound premium. Reported in dashboard under "Product Performance" tab: policy sales count, commissions earned MTD/YTD, worker segments matched, conversion rate, top gap flags driving matches.
Submit Your Insurance Product
Once approved, Mavvy will surface your product to workers whose Vault data shows a coverage gap you can fill. You set the eligibility rules; Mavvy does the matching.
vault.gap_flags on a worker's Vault — e.g., no disability coverage.- Step indicator at top: 1 Plan → 2 Company Info → 3 Agreement → 4 API Access (active: Plan)
- Free pilot toggle: "Claim your free 90-day pilot (1,000 Standard queries)" — auto-selects Standard plan
- Three plan cards: Lite, Standard (highlighted), Deep — each with: price/query, monthly min, included signals, free pilot queries
- What's included accordion: API access, sandbox, benchmark report, integration support, anonymised peer comparison
- Company info form (Step 2): Company name, Carrier license, HQ country, primary contact, query volume, primary use case
- Agreement step (Step 3): Full inline pilot agreement text — scrollable, key terms: 90-day free pilot, FCRA compliance, data not resold, auto-converts after pilot
- Digital signature: typed name + date + title + two consent checkboxes + "Sign & Get API Access" red button
✓ IndieScore™
✗ Income Stability
✗ Coverage Inventory
✓ IndieScore™
✓ Income Stability
✓ Coverage Inventory + Gaps
✓ Peer benchmarking
✓ Predictive gap model
✓ Custom webhooks
- Welcome banner: "Welcome, Acme Insurance. Your pilot is active. 1,000 queries remaining. Pilot expires: [90 days from signup]"
- Left sidebar nav: Overview | API Keys | Sandbox | Documentation | Usage & Billing | Settings
- Dashboard cards grid (2×2): API Keys (live key blurred + copy), Pilot Status (progress bar), Quick Start (code snippet with language selector), Benchmark Report (locked until 100 queries)
- Go Live Checklist (Stripe-style): 5 checkboxes — Agreement signed ✅, API key generated ✅, Sandbox test ☐, Consent flow ☐, Production query ☐
- Activity log at bottom: timestamped list of recent sandbox API calls
curl -X POST \ https://api.mavvrixx.ai/v1/signal/query \ -H "X-Mavvrixx-Key: sk_test_..." \ -d '{"worker_id":"IID-sandbox-01", "tier":"standard"}'
- Three-panel layout: Left nav (sections) | Center (content) | Right (code examples)
- Authentication: API key header
X-Mavvrixx-Key: sk_live_..., test vs live keys, key rotation - Making a Query: POST /api/v1/signal/query — full request body: worker_id, consent_token, tier, signals array
- Signal Response: Full response schema with vocation_risk_class, income_stability, coverage_inventory, gap_flags, indiescore, query cost, remaining pilot queries
- Consent Requirements: FCRA compliance, worker-initiated flow, consent token lifecycle
- Error Codes: 400/401/402/403/404/429 with descriptions and remediation guidance
- MCP Integration: tool name
indieshield.signal, JSON-RPC 2.0 example for AI underwriting platforms - Rate Limits: Lite 100/day | Standard 500/day | Deep 2,000/day
- Search bar at top + "Try it in Sandbox" button on every endpoint
/api/v1/signal/query
Submit a signal query for an independent worker. Requires an active consent token. Returns the full IndieShield™ Signal package for the requested tier.
| Field | Type | Required | Description |
|---|---|---|---|
| worker_id | string | ✓ | IndieID™ identifier |
| consent_token | string | ✓ | Active FCRA consent token |
| tier | enum | ✓ | lite | standard | deep |
| signals | array | optional | Specific signals to include |
curl -X POST \ https://api.mavvrixx.ai/v1/signal/query \ -H "X-Mavvrixx-Key: sk_live_..." \ -H "Content-Type: application/json" \ -d '{ "worker_id": "IID-00012345", "consent_token": "cst_abc123", "tier": "standard", "signals": [ "vocation_risk_class", "income_stability", "coverage_inventory", "gap_flags" ] }' // Response 200 OK { "query_id": "qry_abc123", "indiescore": 71, "signals": { "vocation_risk_class": { "class": "B2", "label": "Skilled Trade", "confidence": 0.94 }, "income_stability": { "score": 74, "trend": "improving" } }, "consent_verified": true, "query_cost_usd": 65.00, "remaining_pilot_queries": 896 }
- Strategic framing: "REST API is for traditional integration. MAP is for AI-native underwriting stacks. If your underwriting workflow runs through an AI agent — whether Claude, Salesforce Agentforce, SAP Joule, or your own — MAP makes IndieShield™ Signal a native tool in that agent. One config file. All 11 tools. No endpoint wrangling. And a carrier who wires MAP into their underwriting AI doesn't switch — switching means re-integrating 11 tools manually."
- Positioning: "MAP is to independent worker financial data what Plaid is to banking data — the governed access layer the ecosystem runs on. But unlike Plaid, Mavvrixx owns the underlying data. Plaid was acquired by Visa for $5.3B. Mavvrixx owns what Plaid never did."
- Architecture: 3 layers — Consent Shell (policy enforcement) + Mavvy Orchestration (governance) + 11 Specialized Tools (execution).
- Transport: MCP 2024-11-05 + ACP adapter. Compatible with Claude Desktop, Anthropic Workbench, Salesforce Agentforce, SAP Joule, and any MCP-compatible AI system.
- MAP Manifest URL:
https://api.mavvrixx.ai/v1/mcp/manifest— returns full tool schema (OpenAPI-compatible). Rate limits: same as REST API tier limits; per-tool-call billing same as per-query billing. - Patent note: MAP is protected under Mavvrixx Patent App 4 — governed agent protocol for independent worker financial data.
MAP: Plug IndieShield™ Signal into your AI agent in one config file.
AI Agent
SAP Joule / Custom
+ ACP adapter
Transport
/v1/mcp
Shell
consent gates
Orchestration
rate limits · audit
catalog · indieshield
Vault
data layer
mavvrixx-map.json manifest — declares all 11 tools, consent requirements, rate limits.indieshield.signal tool appears in your agent's tool registry.claude_desktop_config.json
{
"mcpServers": {
"mavvrixx": {
"url": "https://api.mavvrixx.ai/v1/mcp",
"headers": {
"X-Mavvrixx-Key": "sk_live_..."
}
}
}
}
tool-config.yaml
tool: name: mavvrixx_indieshield_signal endpoint: https://api.mavvrixx.ai/v1/mcp auth: type: header key: X-Mavvrixx-Key value: sk_live_... manifest: https://api.mavvrixx.ai/v1/mcp/manifest
direct MCP call
{
"jsonrpc": "2.0",
"method": "tools/call",
"params": {
"name": "indieshield.signal",
"arguments": {
"worker_id": "IID-00012345",
"consent_token": "cst_...",
"tier": "standard"
}
},
"id": 1
}
https://api.mavvrixx.ai/v1/mcp/manifest
⚡ Sandbox endpoint: same URL, sandbox key
🏷️ Billing: per-tool-call = per-query pricing
- SANDBOX MODE badge (amber) — always visible when in sandbox, never confused with production
- Test personas panel: Pre-built worker profiles — Alex (Rideshare/B3/unstable), Priya (Designer/A2/stable), Marcus (Construction/C1/high risk), Sofia (Creator/A1/brand risk)
- API Console: Endpoint selector, pre-filled JSON editor, Send Request button, formatted JSON response panel, response time indicator
- Sandbox history: Last 10 test calls with status, latency, query cost
- "Promote to Production" CTA appears after 3 successful sandbox calls
- Sandbox vs production comparison table: differences in consent tokens, worker IDs, billing
IID-sandbox-alex-01
IID-sandbox-priya-02
IID-sandbox-marcus-03
IID-sandbox-sofia-04
{
"worker_id": "IID-sandbox-alex-01",
"consent_token": "cst_sandbox_test_token",
"tier": "standard",
"signals": [
"vocation_risk_class",
"income_stability",
"coverage_inventory",
"gap_flags"
]
}
{
"query_id": "qry_sandbox_xyz789",
"worker_id": "IID-sandbox-alex-01",
"tier": "standard",
"signals": {
"vocation_risk_class": {
"class": "B3",
"label": "Gig Transport — Moderate Volatility",
"confidence": 0.87
},
"income_stability": {
"score": 42,
"trend": "declining",
"volatility_index": 0.61
},
"gap_flags": [
"no_disability_coverage",
"income_exceeds_coverage_limit"
]
},
"indiescore": 38,
"sandbox": true
}
- FCRA Requirement: Every Signal query requires an active consent token. Mavvrixx provides two integration paths — drop-in widget or direct Consent API.
- Path A — Drop-in Widget: 3 lines of JS in carrier's quote flow. Shows worker a branded consent modal. Worker approves → token issued (24hr TTL). White-labelled to carrier brand.
- Path B — Consent API: Carrier builds own consent UI; calls
POST /api/v1/consent/initiate→ gets consent_url → sends to worker → webhook fires with consent_token - Token lifecycle: initiated → pending → active (24hr) → expired. Carriers must handle expiry gracefully.
- Compliance checklist: disclosure language, worker opt-out mechanism, token expiry handling, audit log, annual re-consent
- Sample disclosure language: "By continuing, you authorize [Carrier] to request your IndieShield™ Signal from Mavvrixx.ai. This is not a credit check. Your data is not sold. You can revoke this consent at any time."
// Add to your quote page <script src="https://cdn.mavvrixx.ai/consent.js" data-key="pk_live_your_key" data-carrier="Acme Insurance"> </script>
# Step 1: Initiate consent curl -X POST /api/v1/consent/initiate \ -d '{"worker_id": "IID-00012345"}' # Response: {"consent_url": "https://consent.mavvrixx.ai/cst_..."} # Step 2: Send consent_url to worker # Step 3: Worker approves → webhook fires { "event": "consent.approved", "consent_token": "cst_abc123", "expires_at": "2026-05-08T15:00:00Z" }
- 7-item checklist with status indicators (complete/incomplete/blocked), each with an action button
- Progress bar: "5 of 7 complete — You're almost live"
- "Activate Production" button: disabled until all 7 complete
- Confetti animation + "You're Live!" banner on activation
- Estimated timeline panel: "Average carrier integration: 11 days. Fastest: 4 days."
- Support contact: partnerships@mavvrixx.ai — response <2 hours
- Monthly usage summary: queries used (line chart), cost this month, avg response time
- Benchmark Report (unlocks at 100 queries): loss ratio delta, signal coverage rate, top gap flags, IndieScore distribution vs network
- Signal Quality Score: 0–100 rating on consent rate, tier used, % of queries with full signal coverage
- Tier upgrade prompt: "You've queried 892/1000 pilot queries. Upgrade to Standard Monthly ($3,500/mo)" with one-click CTA
- ROI calculator: interactive slider — "If Signal reduces loss ratio by X%, annual savings on [volume] policies = $Y"
- Renewal / upgrade flow: one-click upgrade from pilot → Standard → Enterprise, with self-serve contract addendum
Network average: 15.4% higher
Gap: 2.8pp — driven by uncaptured vocation risk class
Full signal coverage: 87% ✓
Tier: Standard ✓
As the carrier grows their gig-worker underwriting book, Mavvrixx scales with them. Batch query mode, webhook callbacks, and portfolio-level IndieScore™ monitoring unlock at this stage — enabling programmatic underwriting at volume.
- Batch query API: Process 10,000+ workers in a single API call via MAP Protocol
- Webhook alerts: Real-time income change and coverage gap notifications for active policies
- Portfolio dashboard: Aggregate IndieScore™ distribution, vocation risk breakdown, coverage inventory gaps
- White-label option: Embed IndieShield™ Signal under your own brand for enterprise deployments
- Dedicated CSM: Customer success manager assigned at 5,000+ monthly queries
At 10,000+ queries/month, the carrier earns Pioneer Partner status — the top tier of the Mavvrixx Partner Program. Co-marketing, co-authored validation study, IndieScore™ calibration review, and a named partnership profile on Mavvrixx.ai.
- Named partnership profile: "Powered by Mavvrixx" badge + co-branded landing page
- Co-authored validation study: Published loss ratio and underwriting accuracy data
- IndieScore™ calibration: Quarterly calibration sessions with Mavvrixx data science team
- First access: Early access to new signals, product features, and new gig-worker verticals
- Advisory seat: Optional seat on the Mavvrixx Partner Advisory Board
Replication Roadmap: Banks, Lenders & Financial Services
This journey is the template. For banks (IndieScore™ lending signal), the flow is identical — same stages, same self-serve model, different signals and compliance frame (FCRA + ECOA). For fintechs (MAP embed), Stage 4 (API Docs) becomes the MCP integration guide. For landlords (IndieVerify™), Stage 6 (Consent) is the primary gate. The Mavvrixx Partner Platform is segment-agnostic — one architecture, parameterised per vertical.