{
  "name": "sebbi.pro Insurer Feed",
  "version": "1.1.0",
  "page": "https://sebbi.pro/insurer-feed",
  "what": "Live, evidence-based AI insurability for each policyholder, from their sealed behaviour, delivered to insurers as a signed feed: level changes, monthly sealed statements, and Claim Evidence reports.",
  "levels": {
    "I-0": "UNRATED",
    "I-1": "LOGGED",
    "I-2": "OVERSEEN",
    "I-3": "GUARDED",
    "I-4": "PRE-CLEARED"
  },
  "level_rules": {
    "I-1 LOGGED": "decisions sealed in the last 30 days, every record verifies, no missing receipts",
    "I-2 OVERSEEN": "+ human reviews recorded, at most 10% under 2 seconds, no reviewer who never disagrees over 20+ cases",
    "I-3 GUARDED": "+ an armed enforcement loop and an owned Jugular kill switch",
    "I-4 PRE-CLEARED": "+ agent payment limits set (sebbi.pro spend gate)",
    "downgrades": "take effect after 3 days in a row at the lower level; altered records take effect at once"
  },
  "policyholder_api": {
    "me": "GET https://sebbi.pro/x/insurerfeed/me",
    "share": "POST https://sebbi.pro/x/insurerfeed/share {insurer_domain, policy_ref?, name?}",
    "revoke": "POST https://sebbi.pro/x/insurerfeed/revoke {insurer_domain}",
    "claim_evidence": "POST https://sebbi.pro/x/insurerfeed/claim {from, to}",
    "auth": "Authorization: Bearer <sebbi.pro API key>"
  },
  "insurer_api": {
    "connect": "POST https://sebbi.pro/x/insurerfeed/connect {domain, webhook_url?}",
    "activate": "POST https://sebbi.pro/x/insurerfeed/activate {domain} after hosting feed_claim at https://<domain>/.well-known/sebbi-insurer.json",
    "policyholders": "GET https://sebbi.pro/x/insurerfeed/policyholders",
    "statement": "GET https://sebbi.pro/x/insurerfeed/statement?ph=PH-...&month=YYYY-MM",
    "claim_evidence": "POST https://sebbi.pro/x/insurerfeed/claim {ph, from, to}",
    "condition_at_a_moment": "GET https://sebbi.pro/x/insurerfeed/condition?ph=PH-...&at=<ISO 8601>&min_level=3&loss_block=<n>",
    "auth": "X-Insurer-Domain and X-Insurer-Secret headers",
    "webhooks": [
      "level.changed",
      "statement.monthly",
      "policyholder.shared",
      "policyholder.revoked"
    ],
    "signature": "X-Sebbi-Signature: t=<unix>,v1=HMAC-SHA256(key=sha256_hex(feed_secret), msg='<t>.<raw body>')"
  },
  "model_clause": {
    "page": "https://sebbi.pro/insurer-feed/clause",
    "json": "https://sebbi.pro/.well-known/sebbi-coverage-clause.json",
    "summary": "Cover suspended while below the required level, restored when back; relevance test for the loss (Insurance Act 2015 s.10, s.11)."
  },
  "consent": "A policyholder's data reaches an insurer only after the policyholder shares with that insurer's domain. Revocable; sealed.",
  "roles": "sebbi.pro supplies evidence. Insurers set price and decide claims under their own policy terms.",
  "related": {
    "standard": "https://sebbi.pro/insurable",
    "founding_insurer": "https://sebbi.pro/founding-insurer",
    "enforcement_loops": "https://sebbi.pro/enforce",
    "mcp": "https://sebbi.pro/mcp"
  }
}