TaxiU Overview Fleets Vehicles Zones Reports Rules Actuarial Owner Test blackbox

Cosmos-TaxiU Reports

Underwriting data feed — underwriter / actuary access. Enter your insurer or ops key.

The key is stored only on this device (localStorage) and sent as x-taxi-key on every call.
← Insurer console
—

Reporting & Underwriting Feed

insurer data product · schema aios.taxiu.actuarial/1 generated —

Risk index

loading…

Premium loading

—
applied on the base premium — derived from the risk index

Avg fleet score

—
behavioural safety, portfolio mean

Exposure

—
— km telematics-observed distance

⚖ Risk signal for pricing & reserving. Basis: —

Credibility — building as exposure grows.

Methodology. Risk index 0–100 (high-risk share + harsh & overspeed per 100 km) · premium loading = risk index × 0.4 · bands: safe ≥ 80 · watch 60–79 · risk < 60. Frequency only — loss / severity pending claims data.

Score distribution

Portfolio split by behavioural band — safe ≥ 80 · watch 60–79 · risk < 60.

Loading…

Event rates · per 100 km

Exposure-normalised behavioural event frequency across the whole portfolio.

Loading…

Frequency only — loss / severity pending claims data.

Harsh events / 100 km

—
harsh braking + harsh acceleration, combined
— total events on record

Zone risk

Severity-weighted event exposure inside each operational geofence — worst first.

ZoneLimitEventsWeighted severityTop event kinds
Loading…

Route / association risk

Risk grouped by route tag — the association-level view an underwriter prices on. Worst first.

RouteVehicleskmAvg scoreHarsh /100kmOverspeed /100km
Loading…

Export — the insurer deliverable

What an insurer/UMA actually consumes: vehicle-level CSV for the actuary's model, or the raw JSON feed for a pricing pipeline.

curl -H 'x-taxi-key: •••' https://realaios.com/api/taxi/actuarial
Feed refreshes live from telematics · schema aios.taxiu.actuarial/1

Demo wallet ledger only — P2P payments are licence-gated and post-density per the deck. The real revenue is subscriptions + this page's data feed.

Loading…
WhenRiderTypeAmountTo / fromNote
Loading…

Density compounds → what the base becomes

Operator/vehicle density is the compounding asset — each rung is funded by the wedge below it and unlocks the next.

  1. LIVE Safety telematicsEvery trip scored — behavioural evidence per vehicle.
  2. LIVE Underwriting data feedThis page — the actuarial risk signal insurers price on.
  3. NEXT Custody logisticsThe informal "parcels-by-taxi" flow formalised: scan-in/out + tamper-evident GPS chain + driver fee-split.
  4. GROWTH Medical last-mileChronic-medication (CCMDD) distribution to the township/rural last mile on the same custody rails.
  5. GROWTH Government docs & servicesGrants, documents and services routed over the trusted fleet.
  6. ENDGAME The Last AddressPresence-as-proof KYC — a verified address layer for the unbanked, from the person · place · custody attestations we already generate.

⚖ Only Safety + Underwriting are built today; each rung is funded by the wedge below it and unlocks as density builds.

© 2026 RealAIOS