Φ Proof of Voice protocol provides verifiable detection, liveness, and immutable logs. Marsh packages it as parametric cover with pre-agreed payouts. Together, you get instant claims, dynamic premiums, and a defensible audit trail.
Drop-in SDKs capture voice/video/text at the edge. PoV verifies human-liveness, detects synthetic artefacts, and computes a unified risk score.
Scores flow via API into underwriting. Coverage limits and payout ladders are pre-agreed. No adjusters. No disputes.
Blockchain-anchored logs satisfy regulators and auditors. Claims settle in hours with transparent evidence and time-stamped events.