Illustrative scenario · Fi + Sc

An insurer paying claims on the fastest sensible rail

A US property insurer paying claims to policyholders and repair shops.

Illustrative scenario. A fictional type of business, not a customer. No results are claimed.

Fi Sc

The problem

Claimants wait for checks. Some want money in minutes, others are fine with a bank transfer. Each claim payment needs a clear trail for the regulator.

Value anatomy

01 · transaction
An approved claim creates a payout instruction with the payee and amount.
02 · rails
A payout rule picks the rail: instant bank payment where supported, ACH otherwise, a stablecoin for payees who ask.
03 · record
Each payout links to the claim, the rail chosen and why. Returns land in the exception queue.

What it uses

Bank payouts	ACH, same-day ACH and instant bank rails, per account.
Stablecoin payouts	Pay sellers, suppliers or partners in stablecoins, by rule.
Payout cutoffs	See the next settlement window before it closes.
Exception queue	Disputes, refunds and failed payouts in one list, each with its rule.
Reconciliation	Each settlement row matched to the transactions behind it.

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