Vectoryx attended as a FRIDA member. As a provider of AI-native claims management for residential buildings — in Germany and the United States — we contributed perspectives from operational claims work with property managers and insurance brokers. Property claims, in particular, reveal whether information can move between participants in a clear, complete and usable form.

Time, knowledge and courage

Sven Göth opened the program with his “FUTURE NOW” keynote. His central point: organizations that want to use AI’s possibilities must invest in time, knowledge and courage — and be clear about what they stand for.

For Vectoryx, that question is concrete: property claims should not stall because documents are missing, questions remain unanswered or handoffs are unclear. Standards and structured information are not technical side issues; they are prerequisites for dependable operations.

Data: Standards prove their value in practice

In the first thematic block, Andreas Vollmer (BVK), Torsten Jäger (BiPRO), Aleksandar Jeremic (fino digital) and Igor Antonijevic (WWK) discussed Europe’s digital infrastructure and data economy. One point stood out: intermediaries and insurers need shared ways to communicate. BiPRO provides established standards for processes between market participants, while FRIDA is working on open interfaces for a connected ecosystem.

This matters especially in claims operations. A property management company oversees buildings insured by different carriers and works with existing brokers. Requirements for notices, documents and invoices vary. The result is translation and coordination work, often at the exact moment when time matters most.

Claims: brings these cases together for property managers and brokers and structures information for further handling. Vectoryx works with existing broker relationships rather than replacing them. Binding coverage and settlement decisions remain with the insurer.

For a deeper look at shared standards in claims, see our guide to BiPRO, GDV and FRIDA in claims management.

Identity: Trust as infrastructure

The second block focused on trusted identities for people, businesses and objects. Following Dietmar Schmidt’s (mexxon) introduction, Detlef Hühnlein (go.eIDAS), Dennis Hannemann (Bundesanzeiger Verlag) and Slobodan Pantelic (HDI) discussed the EUDI Wallet and potential business wallets.

The day’s future scenarios — wallets, primary data and multi-agent systems — were perspectives, not descriptions of Vectoryx features available today. Their practical relevance is nevertheless clear: automated processes across organizational boundaries need traceable identities, permissions and data sources.

In property claims, this could eventually allow verified information to be shared with the consent of affected parties. Insurers could decide sooner from a consistent information base, while operational coordination could require fewer repeated requests.

Distribution and the customer in 2040

Eva Schötz (FRIDA) and Matthias Möller (ALH Group) opened the Sales Intelligence block with “The Customer in 2040.” The closing panel brought together Susanne Krehl (wealthAPI), Simon Feulner (VEMA), Florian Brokamp (Ascendia), Wolfgang Hanssmann (HDI) and Julius Kretz (ALH Group and FRIDA) to discuss the future of distribution.

A central thesis emerged: people remain essential even in agentic processes. Technology can structure information and prepare next steps. It does not simply replace accountability, advice or binding decisions.

What Vectoryx contributed

Drawing on daily claims work with property managers and insurance brokers, we contributed two perspectives to the conversation:

• Standards have to work at real handoffs. Their value becomes visible where documents are missing, follow-up questions arise and multiple parties depend on the same case.
• AI needs a clear human framework. It can structure cases, identify open items and support operational steps. Binding decisions remain with the responsible person or insurer.

Three observations from Berlin

1. Standards are a leadership responsibility. Only when standardization is treated as more than an IT topic can it become a shared operating framework.
2. Trust is infrastructure. Connected and agentic processes require reliable identities, traceable permissions and dependable data sources.
3. Claims are the real-world test. Friction that is inconvenient in distribution costs additional time and trust during a claim. Open Insurance should therefore account for claims processes from the start.

What this means for claims operations

Open standards such as those from FRIDA and BiPRO are not an abstract program for us — they are the foundation of what we do every day: preparing claims between property managers, brokers, insurers and service providers so that everyone involved works from the same complete information. The more reliable data formats and identities become across the industry, the less friction arises at exactly the handoffs where property claims lose time today.

That is why we actively shape the FRIDA dialog: those who only adopt standards work with what others define. Those who help shape them ensure that the claims process — the moment insurance has to deliver on its promise — is considered from the start.

Keep working, not just listening

The evening program created space for personal conversations and provided a fitting conclusion: the most direct flow of information still happens between people.

Our thanks go to the FRIDA team, especially Eva Schötz, Julius Kretz and Slobodan Pantelic, to Hypoport as host and to all speakers for sharing their perspectives.

No one builds Open Insurance alone. Insurers know their products, intermediaries know their customers, associations know the standards and technology providers know the processes that can be connected in new ways. Standards that work in practice emerge from this collaboration.

Learn more about Claims:

Vectoryx attended ITC Vegas for the first time as a sponsor and part of the GIA Kiosk Hub together with the Global Insurance Accelerator. Conversations with insurers, reinsurers, technology companies, investors and founders from the United States, Europe and other markets reinforced one point: AI-native building claims management needs to work across markets, fit into existing ecosystems and meaningfully reduce complexity in the claims process.

Las Vegas is probably not the place for quiet impressions. After several intensive days at ITC Vegas, the same is true of our thoughts about the insurance industry.

We came to the United States with many questions: How are AI and automation really changing insurance processes? Which technologies will become standard in the coming years? How are other markets solving challenges we also know from Germany? And what can insurers, technology companies and startups learn from one another?

We are returning with new perspectives — as well as concrete ideas, new contacts and plenty of homework.

From Germany to Las Vegas

In 2026, Vectoryx attended ITC Vegas for the first time. Together with the Global Insurance Accelerator, we were part of the GIA Kiosk Hub, not only as attendees but also as a sponsor of the event.

It was a special opportunity for us. Over just a few days, insurers, reinsurers, technology companies, investors and founders from the United States, Europe and many other markets came together. That concentration of different perspectives is rare — and it made the exchange especially valuable.

The insurance industry is converging through technology

Many conversations in Las Vegas centered on one question: What will the insurance organization of the future look like?

AI was naturally part of the discussion — but surprisingly rarely the only topic. The conversations were about data, interfaces, communication, speed and better decisions. Again and again, the focus returned to how technology can do more than digitize existing processes and instead make them fundamentally better.

We see significant potential in building claims management. Information is often created in many different places. Insurers, customers, service providers, brokers, property managers and other participants use different systems and communication channels. These handoffs create friction, delays and manual work.

As an international company with locations in Germany and the United States, Vectoryx is developing AI-native claims management for residential building claims. ITC gave us the opportunity to compare experience from the German market with perspectives from the United States and other insurance markets — and to assess which approaches can be transferred meaningfully across markets.

International partnerships are becoming more important

The exchange between Europe and the United States was particularly valuable. Many insurance industry challenges are remarkably similar across markets, while the ways they are addressed can differ significantly. That contrast creates new perspectives.

We spoke with existing and new contacts about connections between insurers, service providers and technology platforms: modern claims processes, AI-supported communication and the question of how solutions can work across markets. Several conversations have already led to concrete next steps; others will continue as valuable exchanges with industry peers.

Our takeaway: internationally scalable building claims management requires more than translating an interface. It requires an understanding of roles, processes and expectations in each market — and an AI-native foundation that supports collaboration without adding another isolated software layer.

ITC extends beyond the expo hall

A large part of ITC takes place on stages and across the expo floor. The conversations before, after and around the main event are at least as important.

We joined events hosted by Fenris, Duck Creek, Send, InvoiceCloud, McDermott Will & Schulte, SAS and AWS. Additional conversations and connections emerged around Sixfold, Mphasis, Realytix Zero by Munich Re, Inforce, IA Capital, Nationwide, Kyber and the InsurTech Association.

These smaller formats showed how closely connected the international insurance ecosystem has become. A conversation about claims quickly turns into a discussion about data. A discussion about data leads to an idea for connecting systems. And an evening encounter can become a long-term professional exchange.

What hospitality and insurance can learn from each other

Another privilege of our time in Las Vegas was the opportunity to exchange perspectives with representatives of a global insurer and a large, particularly complex hotel in the city. The discussion focused on the common ground between hospitality and insurance — and on how building claims are handled in an environment where ongoing operations, unusual building structures, high-value interiors and many stakeholders all need to be considered at the same time.

The extraordinary risks commonly found in Las Vegas make one point especially clear: complex building claims management is about more than addressing an isolated technical issue. It requires coordinated workflows, complete and reliable information, and a shared understanding of each participant’s role. For Vectoryx, this cross-industry dialogue was a valuable opportunity to connect perspectives from the international insurance industry with hospitality experience and bring new insights into our work on AI-native building claims management.

Our central takeaway: The more complex a building and its operations, the more important clear responsibilities, coordinated workflows and a complete information base become when a claim occurs.

Many conversations, even more ideas

The week was especially valuable because we spoke with organizations from very different parts of the industry: insurers from Germany, Europe and the United States, international technology companies, platform providers, investors, founders and people who have spent many years working at key points across the insurance value chain.

The goal was not to collect as many business cards as possible. It was to understand problems together: Which work consumes unnecessary time today? Where is information missing? Which steps can be automated? Where do people remain essential? How can systems communicate more effectively? And how can technology genuinely reduce complexity in insurance processes?

These questions are central to our work on Claims:. International perspectives help us continue developing AI-native building claims management that can connect to different markets and partner ecosystems.

Three takeaways from Las Vegas

1. Insurance technology is becoming more international. Many challenges are similar across markets, and comparing different approaches accelerates learning.
2. AI alone is not enough. Impact emerges when data, communication, processes and people work together effectively.
3. Partnerships are part of the infrastructure. Future-ready claims management needs to connect existing systems and participants rather than operate as an isolated solution.

What we are taking away

We are leaving with a larger international network, new perspectives on familiar challenges and a long list of ideas we want to continue exploring with existing and new partners.

For Vectoryx, the week affirmed a path we have already chosen: an AI-native building claims management company can grow internationally when its solution remains close to real claims processes while adapting to different market structures. Our presence in Germany and the United States creates a direct learning environment between two important insurance markets.

Thank you to the InsureTech Connect team, the Global Insurance Accelerator and everyone who made time for open conversations. We look forward to the next steps — and to seeing Las Vegas again.

A personal closing note

While many industries in Germany are still discussing regulation, fully autonomous vehicles are already operating in the United States and becoming part of everyday life. A ride with Zoox made that contrast tangible in Las Vegas — and showed the insurance industry how quickly questions about the future can become real-world practice.

More about Vectoryx: Company and international development · Claims: product overview

From Hubgrade to LEVELHUB: the next step

For us, admission is not a first step but a consistent continuation: in early 2026 we were already part of the Hubgrade program at DIGITALHUB.DE – during the phase in which ImmoCare became Vectoryx. LEVELHUB picks up exactly there: the follow-up program is aimed at startups in their growth phase and supports them for one year with hands-on workshops, personal coaching and individual support – with the goal of turning good products into scalable companies. The new round brings together 14 startups from different industries.

Why Vectoryx was admitted

Vectoryx brings innovation to a field that has seen little digital thinking so far: claims coordination in residential building insurance – a large market with significant need for modernization. With Claims: we combine AI-supported processes with operational claims work – so that claims are settled faster, more transparently and more reliably.

We also see our admission as a signal of the strength of our venture case: a scalable model in a market where the real estate industry, skilled trades and the insurance industry come together. It was not only the program jury that was convinced – the investors on the jury also chose Vectoryx.

What the program offers

• Hands-on workshops on the topics that really matter in the growth phase
• 1:1 coaching with experienced experts
• Individual support – tailored to each startup's situation
• A strong network in the Bonn region and beyond

What comes next

The next twelve months are a clear growth phase for us: we will further scale Claims:, expand collaboration with partners across the claims ecosystem and prepare the next steps for the company. You can find our journey so far – from founding through Hubgrade to today's cohort – on our About page. More about the program: LEVELHUB at DIGITALHUB.DE.

Vectoryx has joined the InsurTech Hub Munich 2026 cohort. The innovation focus is residential building insurance: how can complex claims involving many parties be coordinated more clearly, how can information be used more effectively, and how can new AI approaches be brought into practice responsibly? The cohort provides a strong environment for this work through exchange with insurers, technology partners, investors and industry experts.

Innovation for residential building insurance

Residential building claims are among the most complex processes in insurance. Property managers, brokers, insurers, owners, residents and service providers need to exchange information and coordinate their respective steps. At the same time, documents and communication are often spread across different channels.

This is the intersection where Vectoryx focuses its innovation work. The aim is not to add another isolated tool, but to explore how modern claims coordination can make collaboration across the ecosystem clearer, faster and more transparent. AI creates new opportunities to structure information, identify open items and support workflows where it adds practical value.

Joining the 2026 cohort highlights the relevance of this approach to the continued development of residential building insurance.

Why InsurTech Hub Munich

InsurTech Hub Munich connects insurers, startups, technology companies, investors and other industry stakeholders. For Vectoryx, the cohort is above all an environment for technical exchange, shared learning and the continued development of practical innovation.

Three topics are particularly important:

• Rethinking residential building claims: making complex claims easier to understand and coordinate across organizational boundaries.
• Advancing AI with a practical focus: applying new capabilities where they genuinely improve workflows and collaboration.
• Connecting insurance ecosystems more closely: bringing perspectives from insurance, real estate, technology and services together early.

The cohort complements the perspectives Vectoryx already contributes to residential building insurance and its broader partner ecosystem.

Tech Accelerator Day in Munich

The next shared date is the Tech Accelerator Day on October 13, 2026, in Munich. The format brings cohort participants and the hub network together for mentoring, expert input and direct exchange.

For Vectoryx, the day is an opportunity to contribute experience from real claims processes, learn from new perspectives and discuss which innovations can create the greatest practical value in residential building insurance. More information is available on the official event page.

Advancing innovation together

Joining the cohort is both validation and a commitment for Vectoryx. It shows that modern claims coordination in residential building insurance is a relevant field for innovation — and that sustainable solutions are best developed through collaboration among different market participants.

We look forward to the exchange in Munich and to creating new momentum for residential building insurance together with InsurTech Hub Munich.

Learn more about Vectoryx, our team and our development on the About Us page.

In short: In a claim, customer experience isn't decided by the channel but by the time it takes to reach certainty. AI improves the customer relationship when it removes unnecessary effort and keeps the case moving in the background. Binding decisions stay with people and with the insurer.

Nobody wants "digital" after a loss. They want certainty.

Claims customer experience doesn't start with a portal or a chat. It starts with three simple questions:

1. Am I covered? Quick orientation instead of days of uncertainty.
2. Who's handling this now? Clear ownership instead of hand-offs.
3. When will things move forward? Proactive updates instead of status inquiries.

That leads to the core thesis of the talk: claims customer experience is, above all, time to certainty.

Bad experiences happen between systems

The problem is rarely a single interaction. It's the chain of follow-up questions, hand-offs and waiting times between owners, property managers, brokers, contractors, affected parties and insurers.

In an analysis of an operational Vectoryx portfolio – 8,852 emails across 133 claims – there were roughly 120 touchpoints per claim on average, with at least six parties to coordinate. Every hand-off potentially means the customer has to explain everything again. The system sees a case; the customer experiences uncertainty.

More self-service doesn't automatically mean better experience

Companies often measure self-service rates, portal usage, automation levels or digital conversion. Customers notice something else:

• how long it takes to get the first helpful answer,
• how often they have to repeat information,
• whether they're updated proactively,
• when the claim actually moves forward.

Automation is good when the customer has to do less – not when they have to do more themselves.

The best AI in claims is often invisible

Good AI in claims isn't primarily about running a chat. It keeps the case moving in the background: taking in the claim, requesting missing information, coordinating the parties involved, assessing the case and handing it over to the insurer complete. A person makes the final decision.

The customer doesn't notice how many steps were automated. They notice that something is happening.

Autonomous where it builds trust. Human where responsibility begins.

The line between AI and people shouldn't be drawn by technology but by risk, reversibility and customer sensitivity:

• Autonomous: capturing and classifying claims, requesting missing information, reminders and status updates, structuring documents.
• With guardrails: plausibility checks, preparing the assessment for the insurer, coordinating contractors and adjusters, reviewing quotes and costs.
• Human: declinations, disputed or complex liability, complaints and goodwill, and the final coverage decision.

The hand-off is the moment that matters

What builds trust isn't whether a person takes over, but when – and with how much context. A good flow looks like this: the agent handles routine work, recognizes a limit – uncertainty, an exception or emotion – and hands over with full context. The customer doesn't have to repeat anything.

"Please tell me everything again" isn't a hand-off. It's a breach of trust.

What we contributed

Our contribution was deliberately practical: experience from real claims in which Vectoryx takes over the operational claims work for property managers and brokers. That's also where our role model comes from: Claims: prepares and coordinates, the insurer decides. Vectoryx makes no coverage decisions – responsibility stays with the insurer. Our How it works page shows what that looks like day to day.

The CX effect doesn't come from a nicer chat but from the case actually moving forward – in minutes instead of manual hand-off chains, all the way to a structured, fully prepared claim file.

The real question

The question isn't: How much AI can the customer take? It's: How much unnecessary effort will they still put up with?

• Automate coordination
• Keep decisions accountable
• Bring in people before trust breaks

Many thanks to Bitkom for the invitation and to all participants for the open discussion afterward.

On the afternoon of the first day, September 22, 2026, it turned into something else. At the bcc Berlin Congress Center, a small group from Bitkom's Digital Insurance & InsurTech working group spent four hours on a single question: what does the shift from individual copilots to partially autonomous process chains mean for the insurance industry?

That change in altitude – first broad, then deep into one industry – is what made the day strong. Vectoryx took part as a Bitkom member and brought in the perspective of day-to-day operational claims work with property management firms and brokers. Here is what we took away.

Customer knowledge belongs in every development step

The point came up early and ran through the whole afternoon: knowledge about the customer must not sit at the end of development – it has to feed into every single step.

That sounds obvious. In practice, it isn't. Agentic systems are often designed from the technology outward – what a model can do, which interface exists, which step can be automated. The group consistently reversed that order.

Omnichannel today means being where the question comes up

Florian Jell, Chief Data Officer at Allianz Kunde und Markt, showed how broad the range of AI use cases customers can imagine has become. It got especially concrete with Allianz's own plug-in in the ChatGPT environment – so far the only one from a German insurer.

The real point isn't the technology but the channel logic. For years, insurers have tried to be present wherever customers deal with their needs. That place has shifted. Someone looking for pet insurance for their dog today may well start the research in a chat with an assistant rather than on a comparison site.

And this is where nuance matters: the path to a pet policy is different from the moment water is standing in your home. One channel grows out of research and interest, the other out of an emergency. Allianz starting with a clearly defined area follows that logic.

A building is never just a building

The case study from AWS and Inverso raised the point where our work regularly gets interesting: complexity.

The image that stuck was the Reichstag dome. When we talk about a building, we usually picture something manageable. In reality, a single property can come with thousands of documents – with history, special constructions and stakeholders who each see it from their own angle.

Two more points from this session stayed with us:

• Double verification. Information from documents should ideally be confirmed by two independent data sources. That is more than quality control. It forces you to unlock types of data nobody has systematically captured before.
• The bottleneck. Every system has a bottleneck. Find it, and you know where automation actually moves something – and where it merely shifts work around.

A view across the border

Kerstin Keltner of AON Austria and Julia Pleyer of TOGETHER CCA brought the intermediary perspective into the room: concrete use cases from brokers' day-to-day work and the question of how AI fits responsibly into advice and client service.

Austria is similar enough to the German market that everything makes immediate sense, and different enough that many things are solved differently there. That friction was refreshing. Both presented with a clarity that did the whole afternoon good.

Where documents become the basis for decisions

Philipp Schäfer and Dr. Lukas Becker of VYDA showed how far document and invoice analysis has come – and that it has two effects: it delivers economic value, and, applied at the right point, it can speed up the process.

Their experience with roof damage was particularly insightful, down to the question of how much reliable information can be drawn from images of a roof.

Their own view of what makes the difference comes down to three ideas that drive us every day as well: data as a learning advantage, operational processes, and expert knowledge that scales as domain expertise. There is little to add.

What we contributed

• Hands-on claims experience. From our daily work with property management firms and brokers, we know that cases rarely stall at the one big decision. They stall on missing documents, follow-up questions and coordination between parties. That is exactly where operational claims work comes in.
• Human in the loop. AI can prepare cases completely and transparently and manage the operational steps. The binding decision stays with the insurer. That is how we work with Claims: – and how we describe our process.

Three observations from the discussion

1. The leverage sits between the decisions. The one big decision is rarely the problem. The demanding part is everything before and after it: missing documents, follow-up questions, coordination between parties, status updates. That is where the bottlenecks are – and where most of the value is created today.
2. Guardrails belong in process design. What an agent may see, what it may do, when it has to stop and when a human takes over – none of this can be bolted on afterward. The discussion made clear that the heavy regulation of our industry doesn't only slow things down. It can provide direction when standards and guardrails are considered early.
3. Autonomy doesn't require judgment. A system doesn't have to make the final insurance decision to support a large part of the process. The goal is to prepare cases so completely and transparently that the decision is made where it belongs.

Keep working, not just listening

For us, the most valuable part came after the talks. In the closing conversations, people thought across organizational boundaries: about standards, about guardrails and about which shared foundations are needed so that agentic processes in a regulated industry don't have to be reinvented by every company on its own.

That's why this afternoon was, above all, a starting point for us. The working group is continuing in this direction, and the idea of working with Bitkom on use cases for the Agentic Era of Insurance was clearly in the air. We are glad to contribute and look forward to seeing how deep the group goes in the coming months.

Our thanks go to Lukas Spohr of Bitkom for organizing, curating and moderating a great afternoon, to Nele Wollert and the working group's board for the framework, and to all speakers for sharing their practice so openly.

No one builds the Agentic Era of Insurance alone. Primary insurers know customer expectations, intermediaries know the reality of advice, service providers know the depth of the data, and young companies know the new process patterns. Put together, that creates a picture none of us has on our own.

We look forward to the next rounds.

More than 100,000 potential units are now part of active onboarding discussions resulting from these conversations.

Numerous conversations, one clear signal

Across both event days, we spoke with hundreds of attendees. The same practical questions came up repeatedly: How can property claims be captured reliably? Who keeps follow-up questions, documents, appointments, and all involved parties aligned? And how can property management teams reduce operational workload without giving up control or replacing existing relationships?

This is exactly where Vectoryx comes in: as the central hub connecting the property industry, contractors, and the insurance industry when a claim occurs. Within an agreed scope, we handle the operational claims work — from structured intake through coordination to a fully prepared claim file. Coverage and settlement decisions rest with the insurers, and technical work with the appointed service providers.

The direct conversations focused on real workflows, existing partners, and practical next steps toward collaboration.

An ecosystem designed to connect

In addition to property management firms, we spoke with technology providers, innovative solution providers, and other partners about meaningful integrations with existing systems and services. Insurance brokers were one part of this broader ecosystem, alongside providers addressing other parts of the claims process.

Our goal is not to replace trusted partner networks. Vectoryx is designed to make operational collaboration easier and connect with the way property managers, brokers, insurers, contractors, restoration companies, and technology partners already work together.

A brand presence that stays with you

A second lesson from the conference was the impact of a clear, recognizable brand. With our booth and the LED displays integrated into our sweatshirts, Vectoryx was hard to miss throughout the event. During presentations, in the hallways, and across the expo floor, our message remained consistently visible.

The display was more than an attention-grabber: It carried our message to the places where conversations happened and became a conversation starter itself. Many attendees approached us about the visibility. For us, this confirms the impact of a clear message and a consistent brand presence.

In conversation with VDIV

Our direct exchange with the association was an important part of the event. In a personal conversation, Martin Kaßler, Managing Director of VDIV Deutschland, also reflected how prominently the Vectoryx brand had been perceived throughout the conference.

We take that feedback and the many substantive conversations as a clear mandate: to move the active onboardings forward in a structured way, continue developing relevant partner integrations, and deepen our collaboration with VDIV.

What comes next

The real work begins after the conference. Together with interested property management firms, we are clarifying portfolios, workflows, responsibilities, and how existing partners will remain involved. The result is not an isolated add-on system, but an operational claims process designed around each organization.

To explore how Vectoryx can reduce the claims workload for your property management organization, visit Vectoryx for Property Managers.

Effective July 1, 2026, Matt Tatarek joins the Vectoryx founding team as Co-Founder and CTO. With more than a decade of experience building AI systems for enterprise environments, he brings exactly the perspective we need: the best models alone do not solve operational claims processes—what's missing is the safe operating layer around them.

The Bottleneck Is Not the Model

For years, enterprise automation has been driven almost exclusively by model improvements. Matt sees it differently:

> The bottleneck in enterprise automation stopped being model capability a while ago. The models are ready. What's missing is the layer around them that makes it safe to hand them real work.

That is the gap Vectoryx is closing. We are starting with one of the least automated yet most automatable areas in property insurance: claims operations.

Why Claims Operations?

Claims processes are high-volume, multi-stakeholder, and rely on expertise that often lives only in people's heads:

• Structuring and plausibility checking of claim information
• Coordination of owners, property managers, adjusters, and contractors
• Estimate verification
• Keeping every party aligned over weeks or months

Rules engines and RPA have failed here because the moment a case leaves the happy path, the automation breaks and a human has to take over. These processes were built around people—org charts, handoffs, tools—so bolting AI on top never fit.

The Vectoryx Principle: Build the Other Way Around

We are building the other way around. Vectoryx learns how the operation is genuinely run, checks outputs against expert judgment, and gradually handles more operational work—from structuring and prioritization to decision preparation. Binding coverage and settlement decisions remain with the responsible people. With every case, the system becomes more precise.

The moat is not a model anyone can rent. It is an operating environment that turns expert knowledge into traceable, continuously improved workflows.

What Matt Is Building at Vectoryx

As CTO, Matt is responsible for the technical architecture, including:

• The agentic pipeline that guides claims end-to-end
• Secure integration with insurance and property management systems
• The measurement and feedback loops that let us improve operational support step by step
• Infrastructure that meets regulatory requirements from day one

We are excited to have Matt on the team. If you are active in property insurance, agentic systems, or backing this space as an investor—get in touch.

Two days later - after hundreds of conversations, two pitches in the now-iconic startup boxing ring, and more concrete pilot project discussions than we could properly process in real time - we left Cologne with one clear takeaway: insureNXT has become one of the most important dates on our industry calendar.

This is our recap.

The setting: why insureNXT matters now

Trade shows in insurance have a reputation. For decades, they were buttoned-up affairs - executives shaking hands, slide decks moving between meeting rooms, "innovation" announced for a year that never quite arrives.

insureNXT broke that mold.

What''s happening in Cologne is something genuinely different. Carriers come ready to do business. Insurtechs come ready to build. Reinsurers come ready to write the checks. And everyone - everyone - comes ready to talk about implementation, not just inspiration.

For an early-stage team like ours, that signal matters. We didn''t come to Cologne to introduce ourselves to a sleepy industry. We came to have real conversations.

The boxing ring: why format matters

One of the moments that captured the spirit of insureNXT best was the startup boxing ring. A real ring - ropes, corner posts, lights overhead - set up in the middle of the expo floor. Founders climbed in. Investors and carriers crowded the rail. Pitches were short. No slides to hide behind.

We pitched there twice over the two days.

It sounds gimmicky until you actually do it. Then you realize the ring is the perfect physical metaphor for what early-stage insurtech actually is. Short. Focused. Clear. Just the idea, the team, and the conviction that this is going to work.

Both pitches generated real interest. Calendars got filled. Follow-up meetings got booked. Several of the conversations we had at the rail of that ring are now turning into pilot projects.

What 100+ conversations told us about where the industry is going

We came to listen as much as to talk. Across our booth, the InsurLab Germany pavilion, the networking dinners, and the hallway conversations that often beat the keynotes - three things came up again and again.

1. The "AI question" has changed - fundamentally

Two years ago, the conversation in our industry was: Should we use AI? Last year: What should we use it for? This year: Who can help us actually ship it?

That''s an enormous shift, and the implications are everywhere. Carriers are no longer looking for vendors with the most polished AI demos. They''re looking for partners who can ship into production - handling their data, their constraints, their compliance posture, their legacy systems. The conversation has moved from theory to integration.

That''s exactly where Vectoryx sits.

2. Claims is having its moment

If there was a thematic winner of insureNXT 2026, it was claims.

Across keynote stages, pitch competitions, and the quiet booth conversations where the real business gets done, claims came up over and over again as the use case where AI delivers measurable, defensible value today. Not five years from now. Not next year. Next quarter.

That matches everything we''re seeing in our own pipeline. Claims is where automation lifts margin, AI improves the customer experience, and where the ROI math is finally straightforward enough that conservative carriers can justify it to their boards.

3. The ecosystem is finally clicking

The biggest single difference between insureNXT and other industry events is the mix of people in the room.

Carriers, insurtechs, reinsurers, regulators, consultancies, investors - all in the same building, having the same conversations. Less "innovation by PowerPoint." More "let''s build this together." Less hierarchy. More handshakes that turn into projects.

You can''t engineer this kind of compression somewhere else. It has to be in person, it has to be intense, and it has to be a place where the decision-makers actually show up. insureNXT is that place.

A special word about InsurLab Germany

We have to take a moment here, because this story doesn''t get told honestly without them.

Vectoryx is part of the current InsurLab Germany batch, and that partnership has made a real difference for us. Being part of this batch has meant:

• Doors that are usually hard to open for a young company suddenly opening - to carriers, to reinsurers, to decision-makers we couldn''t have reached on our own.
• Real mentorship from people who know this industry from the inside, not from a deck.
• A network of fellow founders building in adjacent spaces, sharing what works and - just as valuably - what doesn''t.
• A platform at insureNXT itself - the introductions, the curated meetings, the credibility that comes from being part of a batch that this industry takes seriously.

Robert Richstein and the entire InsurLab Germany team gave Vectoryx the kind of start at this expo that very few early-stage insurtechs in Germany get.

To Robert and the InsurLab team: thank you. Genuinely.

And to Lars Müller, Eva Rübhausen, and the entire Koelnmesse team - you''ve built something the whole industry now depends on. insureNXT 2026 was exceptionally well run.

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See you at insureNXT 2027 - we''re already looking forward to the next one.

What is InsurLab Germany?

InsurLab Germany e.V. is the InsurTech competence network of the German insurance market, based in Cologne and originally co-funded by the Federal Ministry for Economic Affairs. It connects insurers, brokers, industrial carriers, start-ups, academia and policy makers in a structured setting - and is one of the few formats in Germany where established carriers and young companies actually work together operationally, not just on panel stages.

The batch program curates a selected group of InsurTechs and brings them into focused, multi-month engagement with the network's members and partners - anchored on concrete use cases, pilots and market readiness.

Why it matters for us

For Vectoryx, this selection is relevant for three reasons:

• Access to decision makers at German carriers, brokers and industrial insurers - in a setting built for operational conversations.
• A structured framework for joint pilots and co-innovation, instead of one-off introductory meetings.
• Visibility in a market where trust, references and institutional anchoring carry more weight than pure product mechanics.

Where we focus

One of the biggest unsolved problems in P&C claims is not the workflow at the end - it is the first touch at the beginning. Fragmented intake, unclear first information and lost time between FNOL and the first decision cost carriers cycle time, customer satisfaction and combined ratio.

That is exactly where we work: turning unstructured input - calls, forms, photos, emails - into a structured, decision-ready claim. Not digitizing the existing process, but rethinking the entry point.

In May: insureNXT in Cologne

Right after this, we will be in Cologne in May for insureNXT - one of Europe's most important conferences for insurance and InsurTech. If you are there as a carrier, broker, founder or partner: come and talk to us. We are looking for conversations that get operational - not polite rounds.

Next steps

If you would like to evaluate a pilot or an integration with us, you will find us on the Pilot page. To set up a meeting at insureNXT, a short note to hello@vectoryx.ai is enough.

See you in Cologne.

What is the Global Insurance Symposium?

The Global Insurance Symposium (GIS) takes place every year in Des Moines, Iowa - the traditional US insurance hub. It brings together carriers, reinsurers, investors, regulators and InsurTech founders for three days in one place. Unlike many tech conferences, GIS is intentionally curated: less stage, more substance.

GIS is closely tied to the Global Insurance Accelerator (GIA) - the oldest InsurTech accelerator program in the United States. For every GIA cohort, GIS is the public graduation moment: the first time the work of the past months is shown to a broader industry audience.

Why we were there: Global Insurance Accelerator graduation

Vectoryx was selected for the 2026 Global Insurance Accelerator. Over several months we worked with mentors from leading US carriers, brokers and restoration companies on a single question: what does claims look like when you do not digitize the existing process, but rethink it from the very first touch?

GIS was the formal close of that program for us - demo day, investor sessions, curated carrier meetings, and a pitch on the main stage.

The pitch

What we showed on stage can be summarized in one sentence: claims has to get better at the beginning, not at the end. Most claims do not fail in the 25th workflow step - they fail at the first call, the first photo, the first letter. That is where Vectoryx starts, and that is the shift of leverage we made on the main stage.

Special thanks to Jacob for the precise intro - anyone who sets the context in two sentences makes half the pitch.

Three takeaways

• Carriers are looking for solutions at the first touch - not for the fiftieth dashboard. If you handle FNOL, triage and first documentation well, you take pressure off everything downstream.
• Cycle time and customer experience are becoming a shared currency across claims, underwriting and operations. Combined-ratio arguments still matter - but they no longer carry the conversation alone.
• The US market is more open to end-to-end rethinking than commonly assumed. The willingness to question existing processes is greater inside many carriers than the vendor side tends to believe.

Thank you

Thank you to Cory McAnelly and the entire GIS team for an exceptionally well-curated event, to the full team at the Global Insurance Accelerator for a demanding, fair and very personal program, and to everyone we met across Des Moines.

Next steps

If you are a carrier, broker or restoration partner in the US and would like to talk to us about a pilot or an integration, you will find us on the Pilot page. We are taking the energy from Des Moines with us - and turning it into the next conversation.

With Insights, we are creating a space to write about exactly that. Not technology for its own sake, but the question of how claims processes can be organized better from the very first moment.

What you can expect

• Property management companies: How managers record, document and coordinate property claims - and which operational work can be handed over.
• Insurance brokers: How brokers organize operational claims handling while keeping their mandate and client relationship.
• Claims operations: What we learn from claims about bottlenecks, handoffs, follow-up and escalations.
• AI in practice: Where AI supports the operational work - structuring, plausibility checks, prioritization and preparation - and where people decide.
• Insurers and partners: What structured, complete cases change for insurers, restoration partners and experts; coverage and settlement stay with the insurer.
• Data and standards: How structured handovers work between managers, brokers, insurers and systems.

Our point of view

We do not believe in digitizing existing workflows. We believe in rethinking them from the start - with data, clear ownership and tools that take work off everyone's plate instead of just shifting it around.

That is why Insights will not appear on a weekly cadence. But every post will add something - from a customer conversation, an industry event or a field observation.

Stay close

If you would like to follow along, subscribe to our newsletter in the footer. And if you want to talk operations - a pilot, an integration, or simply a second opinion - you will find us on the Pilot page.

Thank you for being here.