The Transponder™ · for insurers, regulators and auditors
Watch your insured’s AI agents, live.
With the insured’s agreement, the Transponder™ gives the insurer a live, read-only view of its AI agents: every action, allowed or stopped, with the named person who held the authority. Every record is sealed as it happens, and anyone can verify it offline.
The insured holds the control. The insurer holds the view. The content of the work never leaves the insured.
What the insurer sees
Telematics, for AI agents.
Roll up by country, sector, insured, named person and period. Drift and stops, side by side.
Each action the agents take, as it happens, including every failed attempt, not only the last one.
A named person, checked at the moment the agent acted, not when it was set up.
Every record is sealed as it happens. Anyone can verify it offline, free, with no account. Verify a record.
Why now
The ask is already in writing.
US policyholders shared driving data with their insurer in 2024. Motor became priceable when verified telemetry existed.
Carrier Management, 11 February 2026, IoT Insurance ObservatoryAgents may act beyond the user’s actual or intended scope and authority.
FINRA, 2026 Annual Regulatory Oversight ReportDeployers of high-risk AI must monitor its operation and keep its logs for at least six months.
EU AI Act, Article 26(5) and 26(6)Financial institutions remain accountable for AI used in their services, including AI supplied by third parties.
Monetary Authority of Singapore, final AI Risk Management Guidelines, 7 October 2026A model policy clause makes preserving an agent’s tool traces, logs and approval records a condition of indemnity.
Zhu, NYU, 3 June 2026Underwriters said confidence in insureds’ risk management moderated their concern about AI in cyber.
Lloyd’s Market Association, January 2026Who holds what
The insured keeps control. The insurer gets the view.
| The insured | The insurer | |
|---|---|---|
| Holds | The authority and the stop, inside its own environment | A read-only live view through the Transponder™ |
| Agrees | To share the view, and with whom | To read, never to control |
| Sees | Every action and every stop | The same sealed record, rolled up across its book |
| Proves | What its agents did, and under whose authority | What it saw, checkable offline, without us |
A regulator or an auditor receives one sealed packet from the same record, on the insured’s agreement, and checks it on their own machine. Regulayer™ supplies the evidence; the insurer, regulator or auditor makes the determination. The Transponder™, in full.