Bys

Embedded insurance infrastructure for digital platforms in Latin America

Distribution & Sales Startup [Unknown]

Overview

Bys is an embedded insurance infrastructure platform for digital companies in Latin America. The company enables fintechs, e-commerce platforms, HR platforms, and mobile apps to offer insurance products directly within their own user experiences via API integration. Bys handles end-to-end operations for its partners, including insurance product and policy design, API connectivity, claims management, customer support, and regulatory compliance, so partners do not need to build proprietary insurance capabilities.

The platform operates on a commission-based revenue share model with no fixed fees or capital expenditure requirements for partner companies. Integrations are designed to go live within weeks rather than months. Bys also deploys conversational AI agents within partner platforms to automate insurance sales, reducing customer acquisition costs for low-ticket micro-insurance products that would otherwise be economically unviable to distribute manually.

As of 2026, Bys works with 40 partner companies, primarily in Brazil, with active plans to expand to other Spanish- and Portuguese-speaking markets across Latin America. The company was founded by former executives from Banco Neon, a leading Brazilian digital bank.

Products & Services

Embedded Insurance Infrastructure Platform

A B2B2C API-based infrastructure that enables digital platforms to distribute insurance products inside their own user experience. Partners integrate via REST API in weeks and pay only on actual sales -- no fixed fees or upfront investment. Bys manages product design, policy administration, claims processing, customer support, and regulatory compliance on behalf of the partner.

Key Features

REST API integration deployable in weeks
Commission-only pricing model with no CAPEX requirements
End-to-end operations including policy administration, claims, and compliance

Target Users: Fintech platforms, e-commerce companies, HR and employee benefits platforms, digital retail apps

Micro-Insurance Products

A catalog of low-ticket insurance products that partners can embed and sell through their platforms. Products are designed for high-volume, low-margin digital distribution and include purchase protection, extended warranties, travel insurance, cancellation protection, device damage coverage, and usage-based insurance.

Key Features

Purchase protection (30-90 days) for items bought through partner platforms
Extended warranty products beyond manufacturer coverage periods
Travel, cancellation, and device damage coverage options

Target Users: End consumers purchasing through partner digital platforms

AI-Powered Sales Agents

Conversational AI agents deployed within partner platforms to automate micro-insurance sales. These agents reduce customer acquisition costs and make it economically viable to distribute small-ticket insurance products at scale.

Key Features

Conversational AI for low-friction insurance sales at the point of digital transaction
Reduces cost per acquisition for micro-insurance products
Operates within partner platform UI without redirecting customers

Target Users: Partner platforms seeking to monetize insurance without building a sales operation