Platform
Seven engines. One programmable rail.
Prova is composed of seven engines that institutions build on — invoice, policy, coverage, premium, workflow, settlement, and claims. Configure your own underwriting and pricing; the platform runs the lifecycle beneath you.
Seven engines
Composable primitives, one lifecycle and one API
You configure
Your underwriting and pricing; Prova automates the rest
Non-custodial
Capital stays under the provider’s control throughout
One rail, end to end.
An institution integrates through the API and configures the engines with its own underwriting and pricing. Risk is computed while sealed; capital settles non-custodially. Prova operates the infrastructure in between.
Institution
Brings underwriting, pricing, capital, compliance, and customers
Prova API
REST · OAuth 2.0 · signed webhooks · typed SDK
Seven engines
Confidential compute
Risk computed while encrypted (FHE) — never decrypted, on-chain or by Prova
Settlement network
Non-custodial settlement events on Arbitrum; capital stays with the provider
- Institution owns the edges
- Underwriting, pricing, capital, compliance, and the customer never leave the institution.
- The API is the boundary
- One REST surface with OAuth, signed webhooks, and a typed SDK — no protocol primitives to manage.
- Engines are composable
- Adopt one engine or the whole lifecycle; each has a defined input/output contract.
- Settlement is non-custodial
- Capital moves under the provider’s control on Arbitrum. Prova never holds funds.
Infrastructure, not software.
Each engine has a defined contract — inputs it accepts, outputs it returns, what the institution configures, and what Prova automates. You compose them into a product instead of rebuilding the plumbing.
Invoice Engine
Represents a receivable as an invoice-backed escrow and tracks it across its lifecycle.
- Inputs
- Invoice reference, counterparty, amount, and terms.
- Outputs
- An escrow with lifecycle state and an append-only event trail.
- Institution configures
- Which receivable data and terms define the escrow.
- Prova automates
- Escrow creation, state transitions, and the event record.
Policy Engine
Runs the institution’s own underwriting policy as a plugin against each request.
- Inputs
- Sealed risk inputs and the institution’s policy parameters.
- Outputs
- An underwriting decision — accept or decline, covered percentage, conditions.
- Institution configures
- The underwriting rules, thresholds, and exclusions.
- Prova automates
- Policy execution on encrypted inputs, with an auditable decision.
Coverage Engine
Quotes and binds coverage against an invoice using the policy decision.
- Inputs
- Invoice, covered percentage, and the policy outcome.
- Outputs
- A coverage record with bound terms and status.
- Institution configures
- Coverage terms, limits, and product shape.
- Prova automates
- Quote generation, binding, and coverage lifecycle.
Premium Engine
Executes the institution’s pricing model to price coverage.
- Inputs
- Sealed risk inputs and the institution’s pricing parameters.
- Outputs
- A premium in basis points, returned as a posted value.
- Institution configures
- The pricing model and rating factors.
- Prova automates
- Premium computation on encrypted values.
Workflow Engine
Sequences intake, quote, bind, fund, claim, and settle as one orchestrated process.
- Inputs
- Process configuration and lifecycle events.
- Outputs
- State transitions, tasks, and outbound notifications.
- Institution configures
- The process steps and approval gates.
- Prova automates
- Orchestration and event routing across engines.
Settlement Engine
Records non-custodial, on-chain settlement events. Prova never takes custody of capital.
- Inputs
- A settlement instruction and its escrow reference.
- Outputs
- Settlement events; capital moves under the provider’s control.
- Institution configures
- The capital source and settlement rules.
- Prova automates
- Settlement event recording and reconciliation.
Claims Engine
Manages the protracted-default claim lifecycle from overdue invoice to resolution.
- Inputs
- An overdue invoice, coverage reference, and supporting evidence.
- Outputs
- Claim state, decision, and a settlement event on payout.
- Institution configures
- The claims policy, exclusions, and disputed-debt handling.
- Prova automates
- Claim lifecycle, event history, and status propagation.
Built to integrate, not to replace.
Prova is infrastructure for existing providers. It does not sell insurance, own the customer, hold funds, or become the regulated balance sheet. The engines run beneath the institution — the institution keeps the license, the capital, and the relationship.
- Provider keeps
- The license, the capital, and the customer.
- Prova provides
- The engines, the API, and the audit trail.
- Settlement
- Non-custodial and on-chain; capital never touches Prova.
- Confidentiality
- Risk inputs stay sealed; only outcomes are posted.
Evaluate Prova for an institutional trade-credit pilot.
We will walk through the rail, deployment status, the integration model, and what must be true before a production-capital launch.