The Oasis Platform
The operating system
for insurance.
Four interconnected intelligence systems — claims processing, fraud detection, underwriting automation, and partner distribution — unified in a single platform. Not tools for insurance people. The intelligence that does insurance work.
Claims Intelligence
Six agents. One pipeline.
Under sixty seconds.
Not a dashboard for adjusters — the adjuster itself. A 6-agent pipeline that takes a claim from raw documents to a fully adjudicated decision, with complete audit trail and policy citations.
Document Extraction
OCR and structured data extraction from medical bills, receipts, lab reports, discharge summaries. Sub-field bounding boxes for audit trail. Thai, Vietnamese, Chinese, English.
Classification
Automatic claim type classification — inpatient, outpatient, dental, maternity, accident. Document type identification and routing to specialized agents.
Medical Necessity
Clinical pathway validation against 60K+ medical reference records. Diagnosis-treatment alignment. Length-of-stay benchmarking. Drug appropriateness checking.
Benefit Assessment
Policy-level benefit calculation with precision — sublimits, deductibles, co-pays, waiting periods, exclusions. Every number traceable to policy language.
FWA Screening
Six-factor fraud analysis runs in parallel. Timing patterns, clinical inconsistencies, billing anomalies, provider risk, document authenticity, policy exploitation.
Adjudication
Autonomous decision: auto-approve (Tier 1), flag for review (Tier 2), or escalate (Tier 3). Full audit trail with policy citations. Human-in-the-loop for judgment calls.
Processing Timeline
Fraud, Waste & Abuse
Evidence-based detection.
Zero hallucination.
Every flag is backed by data from the claim itself. We'd rather miss a flag than fabricate one. Six-factor analysis, maximum 8 flags per claim — quality over quantity.
Timing Analysis
Policy-to-claim gaps, frequency patterns, amount escalation, holiday/weekend clusters
Clinical Validation
Diagnosis-treatment mismatches, unnecessary items, contradictions between documents
Billing Forensics
Duplicate billing, upcoding, unbundling, extreme overpricing vs market benchmarks
Provider Intelligence
Concentration risk, location mismatch, unusual referral patterns, network collusion
Document Forensics
Missing documents, inconsistent dates, patient discrepancies, image manipulation detection
Policy Exploitation
Coverage change timing, benefit maximization patterns, policy stacking indicators
The Zero-Hallucination Guarantee
Our FWA agents are architecturally constrained to only flag what they can evidence. Every flag must cite specific data from the claim — dates, amounts, codes, documents. If the evidence isn't in the data, the flag doesn't exist. This isn't a feature — it's the foundation.
Underwriting Engine
Risk assessment at
the speed of data.
Transform underwriting from weeks to minutes. Automated risk evaluation, dynamic pricing, and application processing with actuarial precision.
Application Processing
Automated intake, data validation, and enrichment. Missing information detection and proactive requests.
- Multi-format application ingestion
- Automatic data validation
- Missing info detection
- Medical history extraction
Risk Assessment
Multi-factor risk scoring against underwriting guidelines, medical history, and actuarial tables.
- Automated risk scoring
- Pre-existing condition analysis
- Lifestyle factor evaluation
- Claims history correlation
Pricing & Issuance
Dynamic pricing engines that calculate premiums in real-time based on risk profiles and market conditions.
- Dynamic premium calculation
- Multi-product pricing
- Automated policy issuance
- Renewal optimization
Open Integration
OpenAPI. SDKs. MCP.
Your way in.
Full OpenAPI spec, native SDKs, and MCP server for AI agent interoperability. Integrate Papaya into any workflow, any stack, any AI agent.
OpenAPI
Full 3.1 spec — generate clients in any language
MCP
AI agent protocol — connect any agent to Papaya
Node.js SDK
Native TypeScript client
React SDK
Drop-in UI components
Webhooks
Real-time event notifications
// OpenAPI — generate a client in any language
const client = createClient('https://api.papaya.asia/v1');
// Submit a claim
const result = await client.claims.submit({
documents: [invoice, receipt],
policyId: 'POL-2026-001'
});
// MCP — let AI agents use Papaya
const server = createMCPServer({
tools: ['submit_claim', 'check_status', 'get_benefits']
});See it process a real claim.
We'll run your documents through the pipeline. Live. In under a minute.