# NAU21

> The navigational compass for insurance digital transformation

## At a glance

| Field | Value |
| --- | --- |
| Category | Insurtech Infrastructure |
| Type | Solutions Provider |
| Region | EMEA |
| Headquarters | Porto, Portugal |
| Founded | 2015 |
| Stage | Growth |
| Employees | 11-50 |
| Funding | Bootstrapped |

## Overview

NAU21 is an insurtech infrastructure and consulting platform for carriers and banking institutions in the European market. Founded in 2015 and headquartered at the University of Porto's Science and Technology Park (UPTEC), the company focuses on automating core insurance processes through blockchain smart contracts and machine learning.

The company's flagship product, the Smart Insurance System (SIS), covers policy subscription, underwriting automation, claims processing, and policy management. The platform connects insurers, policyholders, and banking partners through a blockchain-based architecture with API connectivity. NAU21 also offers consulting services drawing on over 25 years of collective insurance industry expertise, along with digital implementation services and an innovation lab focused on AI and blockchain research.

NAU21 operates primarily through EU and Portuguese government co-funded programs (Portugal 2020, Portugal 2030, Norte 2020), reflecting its positioning as a research-backed insurtech. The company holds ISO 27001 certification (achieved March 2024) and has been recognized among the top 10 insurtech companies in Europe by Insurance CIO Outlook. It maintains an active R&D partnership with INESC TEC, a research institute affiliated with the University of Porto.

## Products & services

### Smart Insurance System \(SIS\)

A blockchain-based platform that automates core insurance operations including policy subscription, underwriting, claims processing, and policy management. The platform uses smart contracts to reduce manual intervention and streamline interactions between insurers, policyholders, and banking institutions.

**Key features:**

- Automated underwriting via machine learning and actuarial models
- Blockchain smart contracts for policy and claims processing
- API connectivity for integration with insurance platforms and banking systems
- Cloud\-deployed architecture with SOC 2 Type II and ISO 27001 compliance

*Target users:* Carriers, banking institutions

### Consulting Services

Tailored consulting engagements for insurance businesses navigating digital transformation, drawing on over 25 years of insurance domain expertise.

**Key features:**

- Insurance process analysis and strategy
- Technology roadmap development
- Implementation support and change management

*Target users:* Carriers, insurers

### Digital Solutions

End-to-end technical implementation services from architecture design through deployment, combining insurance domain knowledge with custom engineering.

**Key features:**

- Custom software design and development
- Integration with existing insurance and banking systems
- Full deployment lifecycle support

*Target users:* Carriers, financial institutions

### Discovery Labs

An internal innovation unit focused on translating blockchain and AI research into practical insurance applications, with a focus on process automation and operational efficiency.

**Key features:**

- Blockchain and AI proof\-of\-concept development
- Insurance process automation research
- Collaboration with INESC TEC research institute

*Target users:* Carriers seeking innovation partnerships

## Category & focus

- Subcategories: Blockchain Insurance Platforms, Core Process Automation, Consulting
- Insurance verticals: Life & Annuity, P&C Commercial, Specialty/E&S
- Target customers: Carriers, Brokers

## Links

- Website: <https://nau-21.com>
- Directory profile: <https://insurtechlist.com/companies/nau21/>
- Linkedin: <https://www.linkedin.com/company/nau21>

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*Last updated: 2026\-06\-25*