SHERPA+PLATFORMS
Sherpa+Platform
The first AI-native infrastructure that covers the full insurance cycle: activate, optimize, and scale, with complete control and transparency at every step.
SHERPA+PLATFORMS
Embedded insurance will grow from USD 126B in 2024 to nearly USD 800B in 2034. 68% of users expect integrated protection, and 62% trust non insurance platforms that offer coverage integrated to their product more. However, most insurance players face the same barriers:
THE BARRIERS
Critical obstacles hindering the speed, scalability, and profitability of embedded insurance initiatives
TECHNICAL
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Complex integrations: Legacy systems, poor response, lack of sandboxes to test and learn
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Data without potential: No real-time data, channel-novative, low testing capabilities
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Limited architecture: No experimentation, scaling issues, poor debugging
PRODUCT
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Rigid design: No UX fit, poorly presented offers, insufficient customization
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Static pricing: No micropricing, no dynamic pricing by segment and low upselling
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Limited risks: Insufficient indicators, poor integration with reinsurance
REGULATORY
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Complex integrations: Legacy systems, poor response, lack of sandboxes to test and learn
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Fragmented payments: We reconcile manual payments, checkout friction, and complex cryptofiat rails
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Dispersed security: Consent management, integration risks, fragmented data protection
The Barriers
Critical obstacles hindering the speed, scalability, and profitability of embedded insurance initiatives
TECHNICAL
-
Complex integrations: Legacy systems, poor response, lack of sandboxes to test and learn
-
Data without potential: No real-time data, channel-novative, low testing capabilities
-
Limited architecture: No experimentation, scaling issues, poor debugging
PRODUCT
-
Rigid design: No UX fit, poorly presented offers, insufficient customization
-
Static pricing: No micropricing, no dynamic pricing by segment and low upselling
-
Limited risks: Insufficient indicators, poor integration with reinsurance
REGULATORY
-
Complex integrations: Legacy systems, poor response, lack of sandboxes to test and learn
-
Fragmented payments: We reconcile manual payments, checkout friction, and complex cryptofiat rails
-
Dispersed security: Consent management, integration risks, fragmented data protection
COMMERCIAL
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Poor GTM: High CAC, poorly defined alliances, decontextualized messages
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Complex scaling: Duplicate teams per country, slow onboarding, different insurers per country
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Claims with friction: Costly manual processes, reinsurance fraud, low NPS
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ORGANIZATIONAL
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Scarce talent: Lack of specialists, resistance to change, absence of cross-functional processes
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Accounting: Split and confusing accounting, compressed margins due to operating costs
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Uncertain ROI: Difficult justification of pilots, inconsistent metrics across channels
NECESSARY INFRASTRUCTURE
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Single integrative layer: Unified API, automated compliance, smart payments
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AI applied to the core: Dynamic pricing, fraud detection, conversion optimization
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Scalable expansion: Multi-country, multi-currency, multi-language from day one
The Gangkhar Solution
From activation to growth!
Sherpa+ is a comprehensive, AI-native platform designed to help partners master insurance economics, accelerate deployment, and expand confidently across markets. Gangkhar's intelligent infrastructure enables you to configure, optimize, and scale integrated protection simply and efficiently, covering the full cycle: activate, optimize, and scale, with full control and transparency at every step.
It's the AI-native operating engine that allows any platform to configure and launch embedded insurance in days, with complete control and transparency.
How it works:
-
Single multi-country API: immediate deployment in multiple markets.
-
No-code configuration: out-of-the-box sandbox, agile setup without in-house development.
-
Global risk orchestration: access to insurers with competitive and regional rates.
-
Integrated compliance: automatic SLAs and reinsurance-ready.
-
AI applied to the core: predicts risks and ensures efficiency in integrations and payments.
How does Sherpa+ work
The AI Optimization Engine that turns data into action: personalizes and optimize revenue and commission streams in real time with complete transparency into metrics and results.
How it works:
-
AI-powered dynamic pricing: premiums adjusted in real time by profile and risk.
-
Dynamic segmentation: instantly classifies users.
-
Multi-armed bandit models: choose the most profitable strategy.
-
Live, auditable dashboard: complete performance control.
Gangkhar's modular engine, helps partners retain customers, boost recurring revenue, and deepen loyalty. Integrated with Sherpa+ and Sherpa Lens, it delivers personalized wellness and loyalty experiences beyond traditional insurance seamlessly embedded in digital journeys.
How it works:
-
Activate wellness and loyalty modules across key life areas
-
Deploy as standalone or add-on solution
-
Personalize journeys with AI-driven triggers
-
Offer rewards like cashback, tiers, and partner perks
-
Deliver content via apps, platforms, email, and SMS
Activate
Optimize
Scale
Scale
Gangkhar's modular engine, helps partners retain customers, boost recurring revenue, and deepen loyalty. Integrated with Sherpa+ and Sherpa+Lens, it delivers personalized wellness and loyalty experiences beyond traditional insurance seamlessly embedded in digital journeys.
How it works:
-
Activate engagement modules across key life areas
-
Deploy as standalone or add-on solution
-
Personalize journeys with AI-driven triggers
-
Offer rewards like cashback, tiers, and partner perks
-
Deliver content via apps, platforms, email, and SMS
Optimize
The AI Optimization Engine that turns data into action: personalizes and optimize revenue and commission streams in real time with complete transparency into metrics and results.
How it works:
-
AI-powered dynamic pricing: premiums adjusted in real time by profile and risk.
-
Dynamic segmentation: instantly classifies users.
-
Multi-armed bandit models: choose the most profitable strategy.
-
Live, auditable dashboard: complete performance control.
How does Sherpa+ work
Activate
It's the AI-native operating engine that allows any platform to configure and launch embedded insurance in days, with complete control and transparency.
How it works:
-
Single multi-country API: immediate deployment in multiple markets.
-
No-code configuration: out-of-the-box sandbox, agile setup without in-house development.
-
Global risk orchestration: access to insurers with competitive and regional rates.
-
Integrated compliance: automatic SLAs and reinsurance-ready.
-
AI applied to the core: predicts risks and ensures efficiency in integrations and payments.
Scale
Gangkhar's modular engine, helps partners retain customers, boost recurring revenue, and deepen loyalty. Integrated with Sherpa+ and Sherpa Lens, it delivers personalized wellness and loyalty experiences beyond traditional insurance seamlessly embedded in digital journeys.
How it works:
-
Activate wellness and loyalty modules across key life areas
-
Deploy as standalone or add-on solution
-
Personalize journeys with AI-driven triggers
-
Offer rewards like cashback, tiers, and partner perks
-
Deliver content via apps, platforms, email, and SMS
Optimize
The AI Optimization Engine that turns data into action: personalizes and optimize revenue and commission streams in real time with complete transparency into metrics and results.
How it works:
-
AI-powered dynamic pricing: premiums adjusted in real time by profile and risk.
-
Dynamic segmentation: instantly classifies users.
-
Multi-armed bandit models: choose the most profitable strategy.
-
Live, auditable dashboard: complete performance control.
How does Sherpa+ work
Activate
It's the AI-native operating engine that allows any platform to configure and launch embedded insurance in days, with complete control and transparency.
How it works:
-
Single multi-country API: immediate deployment in multiple markets.
-
No-code configuration: out-of-the-box sandbox, agile setup without in-house development.
-
Global risk orchestration: access to insurers with competitive and regional rates.
-
Integrated compliance: automatic SLAs and reinsurance-ready.
-
AI applied to the core: predicts risks and ensures efficiency in integrations and payments.
Tangible Benefits
Measurable and verifiable transformation with immediate results - evidence of real impact.
90%
FASTER
Accelerated time-to-market: from months to days
50%
LOWER COSTS
Accelerated time-to-market: from months to days
+30%
CONVERSION
Higher attachment rate and ARPU
-
Global scalability
-
Ultra-fast time-to-market
-
Plug & play integration
-
Continuous revenue optimization
-
Dynamic and accurate underwriting
-
Access to microcoverage and anti-fraud (microinsurance)
-
Automated claims and anti-fraud
-
Accelerated payments and settlement
-
Embedded compliance and reporting
-
Reduced cost-to-serve
-
Partner and ecosystem monetization
-
Security and privacy by design
-
Sandbox and rapid validation
-
No-code / low-code product configuration
-
Real-time customization
-
Integration with reinsurance and facutatives
-
Usage-based / pay-per-use pricing models
-
Observability and debugging for integrations
-
Managed services and operational support
-
Integrated customer experience (checkout & post-sale)
Tangible Benefits
Measurable and verifiable transformation with immediate results - evidence of real impact.
90%
FASTER
Accelerated time-to-market: from months to days
50%
LOWER COSTS
Accelerated time-to-market: from months to days
+30%
CONVERSION
Higher attachment rate and ARPU
-
Global scalability
-
Ultra-fast time-to-market
-
Plug & play integration
-
Continuous revenue optimization
-
Dynamic and accurate underwriting
-
Access to microcoverage and anti-fraud (microinsurance)
-
Automated claims and anti-fraud
-
Accelerated payments and settlement
-
Embedded compliance and reporting
-
Reduced cost-to-serve
-
Partner and ecosystem monetization
-
Security and privacy by design
-
Sandbox and rapid validation
-
No-code / low-code product configuration
-
Real-time customization
-
Integration with reinsurance and facutatives
-
Usage-based / pay-per-use pricing models
-
Observability and debugging for integrations
-
Managed services and operational support
-
Integrated customer experience (checkout & post-sale)
Example of use — Fintech (wallet onboarding)
A digital wallet wants to offer basic life insurance when users create an account across five countries. Traditionally, this would take months of negotiations, separate integrations in each market, and heavy regulatory overhead.
With Sherpa+
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One multi-country API handles all markets.
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Products are pre-compliant with local regulations.
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Payments and claims reconcile automatically in hours, not weeks.
The process doesn't change:
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Users still open accounts the same way.
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They simply see "Welcome protection" as part of onboarding.
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The fintech doesn't need to rebuild systems or manage compliance.