Reesecure
Turn climate risk into clarity.
Real-time climate triggers, portfolio dashboards, and regulator-ready audit trails—so you can act before defaults, not after.
The Challenge
EACH YEAR, DROUGHTS, FLOODS, AND HEATWAVES ERODE REPAYMENT CAPACITY. RELIEF ARRIVES LATE — OFTEN AS WAIVERS OR BAILOUTS — HURTING BALANCE SHEETS. CREDIT STRESS BUILDS SILENTLY UNTIL IT SURFACES AS NPAS. INSTITUTIONS NEED A FORWARD-LOOKING, STRUCTURED WAY TO HANDLE CLIMATE RISK.
Predict the spike. Protect the book.
From climate noise to capital signals.
See triggers early. Provision smarter.
Turn climate risk into clarity
Real-time triggers, audit-ready dashboards, and coordinated workflows—so banks, NBFCs, insurers, and DFIs can act before defaults, not after.
Why now
- Climate shocks are foreseeable, but persistent.
- Waivers and ad-hoc relief erode balance sheets.
- Teams need a structured, automated, audit-ready response.
The Reesecure suite
VaultX Climate Risk Intelligence (SaaS)
Real-time weather-linked triggers and portfolio dashboards for credit, risk, and ESG teams.
- IMD + satellite feeds, refreshed daily
- Parametric rule engine (no field surveys)
- Tamper-evident audit logs and exports
- Capital-buffer planning & provisioning views
TriggerFlow Underwriting-as-a-Service (UAAS)
Signal validation for carriers and reinsurers—faster, defensible decisions.
- Rulebook simulation & backtests
- Trigger adherence checks (heat, drought, rainfall, yield)
- Bind-ready evidence packs (time-stamped logs, data lineage)
- API to underwriter workbenches and rating models
VaultX Orchestration (Workflow, not funds)
Configurable approvals and notifications between lenders, insurers, and DFIs—without handling money.
- Escrow instruction templates & sign-offs
- CBS / UPI Autopay / e-RUPI / bank-API integrations (partner-side)
- SLA timers, playbooks, and audit trails
- Role-based access; no custody or movement of client funds
Broker Portal (Design & Evidence, not distribution)
Quote, simulate, and document parametric covers, without broking or handling funds.
- Instant quotes & simulations: Build rainfall/temperature/flood triggers in minutes using IMD + satellite data.
- Backtests & payout curves: 20+ years of history to defend frequency, severity, and pricing.
- Policy-ready evidence packs: White-label PDFs/CSVs with trigger tables, payout maps, and wording addenda.
- Partner sub-portals: Give agents/underwriting desks RBAC, SSO, and full audit trails.
- Oracle attestations (optional): Chainlink/dClimate verifications at issuance and at event time.
- API-ready: Push quotes/templates to your pricing tools, CRM, or policy systems.
SaaS license only (HSN/SAC 998314).
No commissions. No underwriting. No fund custody. You place policies via your own licensed entities.
Value delivered
- Cut provisioning drag by 30–40% on climate-linked portfolios.
- Decision-ready trigger evidence in <72 hours for faster, defensible actions.
- Embed climate intelligence into underwriting, restructuring, and ESG reviews.
How VaultX works
- Define coverage — select districts, crops, seasons, and risk thresholds.
- Configure triggers — map rainfall, drought, heat, and yield rules to your portfolios.
- Monitor continuously — IMD + satellite feeds with daily refresh and alerting.
- Trigger & verify — generate tamper-evident audit logs, typically within 72 hours.
- Deliver dashboards — give credit, risk, claims, and ESG teams clear exposure views and capital-buffer planning tools.
Who it’s for
- NBFCs & Banks — reduce provisioning; act pre-default
- Insurers & Reinsurers — parametric verification; audit-proof evidence
- DFIs & Public Programs — subsidy equity, payout fairness, ESG logs
- AgTechs & FPOs — early warnings + portfolio monitoring
Compliance & trust
Reesecure provides software dashboards and APIs for climate-risk intelligence.
We do not provide loans, deposits, insurance, or hold/disburse funds.
Payments collected are for SaaS access only (HSN/SAC 998314).
stability
FAQ
💬 FAQ
Is Reesecure a lender or insurer?
No. We’re a SaaS platform. Licensed partners make credit/underwriting decisions and handle funds.
Do you process claims or payouts?
No. VaultX emits verification signals and evidence per agreed parameters. Disbursement is done by licensed counterparties.
How is it billed?
Monthly/annual SaaS license in INR. GST invoice under HSN/SAC 998314. No refunds post-activation.
What data do you use?
IMD, satellite/remote sensing, local weather station, and customer portfolio data—handled under DPDP-aligned controls.
Do you support claims or payout orchestration without touching funds?
Yes. VaultX Orchestration creates auditable instructions (files/APIs/webhooks) for your licensed bank/insurer/PSP to execute on their rails (e.g., escrow, RTGS/NEFT/UPI/e-RUPI). Reesecure never holds, pools, or disburses money.
Do we need a financial license or sandbox to use VaultX?
No. VaultX is Enterprise SaaS (HSN/SAC 998314). You use your existing licensed counterparties(banks/insurers/PSPs) for any money movement.
How accurate are the climate triggers?
Triggers combine official meteorological feeds with satellite/remote-sensing signals and configurable thresholds. Accuracy depends on data coverage, sensor resolution, and threshold design. We provide confidence flags and backtests so your risk team can calibrate before go-live.
What is UAaS (Underwriting-as-a-Service)?
UAaS = TriggerFlow™: configurable underwriting rules that turn data (rainfall, heat, drought, yield proxies) into verifiable signals for pricing, reserves, or program rules—without field surveys. You control thresholds; VaultX logs the evidence.
Who owns the thresholds and final decisions?
You do. Your credit/risk/underwriting teams define the rules; VaultX executes and logs. Licensed partners make the binding decisions.
What’s the typical onboarding timeline?
Most teams complete a pilot in 2–6 weeks after providing portfolio schemas, target geographies/crops, and thresholds. Complex, multi-entity orchestrations can take longer.
What integrations are available?
- Data in: SFTP/CSV, REST API, secure bucket, or direct DB reader (read-only).
- Signals out: Webhooks, REST, SFTP/CSV, or signed evidence bundles (PDF/JSON/CSV).
- Identity/SSO: SAML/OIDC (Enterprise).
Can we export audit logs for regulators and DFIs?
Yes. One-click exports (CSV/PDF/JSON) include inputs, thresholds, trigger rationale, timestamps, and signature hashes. Evidence bundles are designed for board, regulator, and ESG submissions.
What about uptime and SLAs?
Enterprise plan targets 99.5%+ app uptime, with 24×7 monitoring for feeds and trigger pipelines. Data refresh cadences are documented per feed (e.g., near-real-time, daily, weekly).
Where is data hosted? Is data residency supported?
VaultX is deployed on major cloud providers with regional hosting options. India data residency is available on request. All data is encrypted at rest and in transit.
How do you handle privacy and the DPDP Act?
We follow data minimization, role-based access, encryption, and audit trails aligned to DPDP principles. A DPA and processor terms are available with Enterprise.
Can VaultX work without an insurance product?
Yes. Many clients use VaultX solely for early-warning, provisioning buffers, credit restructuring, and ESG reporting—no insurance required.
Does VaultX support program subsidies and ESG fairness analytics?
Yes. Optional ESG modules show subsidy equity, enrollment by farmer segments, payout TAT by cohort, and exportable indicators for DFI reporting.
Can you simulate triggers before we go live?
Yes. Backtest tools run your rules against historical seasons so you can compare expected vs. observed outcomes and refine thresholds.
What happens if feeds fail or conflict (e.g., sensor outages)?
VaultX flags data quality and uses fallback sources where configured. You can require dual-source concurrence or manual review before a signal is accepted.
How many users are included? Do you support roles?
Plans include seat bundles; Enterprise offers unlimited users with RBAC (viewer/analyst/approver/admin) and audit trails.
Can we deploy in our VPC or on-prem?
Enterprise supports private VPC/VPN deployments and strict egress controls. Fully on-prem is evaluated case-by-case.
How does billing work for Orchestration and UAaS?
- Triggers & MIS: subscription by tier (seats/regions/APIs).
- UAaS/Orchestration: base platform fee + volume bands (e.g., events processed, instruction bundles). Billed in INR via Razorpay or bank transfer.
Do you provide training and change-management support?
Yes. We include enablement sessions for credit, risk, claims, and ESG teams, plus sandbox walkthroughs and policy templates.
Can VaultX help with board/regulator memos?
We provide exportable evidence bundles and memo templates (you own content/filing). Many clients attach VaultX logs to board packs and regulator submissions.
Do you support AP2/A2A/MCP-style mandates?
VaultX can capture mandates/approvals and produce verifiable evidence chains today. As open protocols mature in your ecosystem, we can map mandate artifacts to those specs.
What crops and regions do you support?
Coverage includes major Indian Kharif/Rabi crops and multiple geographies. Tell us your districts/crops; we’ll confirm data readiness and backtest depth.
What’s your dispute posture?
VaultX provides the transparent record: inputs, thresholds, signals, and timing. Your licensed counterparties retain adjudication authority; we help them defend decisions with evidence.
Can we run a small proof-of-value first?
Yes. Most clients start with one state × one crop × one season to establish calibration and ROI before expanding.
Why Clients Pay (Outcomes that matter)
VaultX isn’t a “nice-to-have” dashboard—it protects portfolios, speeds decisions, and reduces stress across three modular services.
1) Real-time Climate Triggers
- Act before defaults: Early alerts on heat, drought, flood, and rainfall anomalies drive pre-default interventions.
- Faster, cleaner decisions: T+3 days trigger evidence and immutable logs reduce disputes and back-and-forth.
- Target lower provisioning: Institutions using climate-linked triggers typically target up to 30–40% lower provisioning exposure on covered books.
2) Portfolio Risk and MIS/ESG Dashboard
- One place, one truth: Portfolio-wide views for credit, risk, claims, and ESG—exportable for boards, DFIs, and regulators.
- Defensible audits: Time-stamped evidence trails (what triggered, when, why) improve model governance and exam readiness.
- Smarter capital planning: Translate climate signals into buffer top-ups, restructuring windows, and rating-friendly summaries.
3) UAaS and Orchestration
- Codified underwriting rules: Standardize parametric logic and eligibility so teams move from policy PDF to automated checks.
- Bank-managed workflows: Route tasks to the right teams (credit, claims, ops) with no fund custody by Reesecure.
- Less friction, more throughput: Shorter cycle times from trigger to internal approval → faster, defensible outcomes.
Note: Results depend on portfolio design, data coverage/quality, governance, and partner readiness.
Cashflow aware, resilience grade reporting
Who is it for?
Who It’s For
• NBFCs & Banks → reduce provisioning; act pre-default
• Insurers & Reinsurers → parametric verification; audit-proof evidence
• DFIs & Public Programs → equity in subsidies; payout fairness; ESG logs
• AgTechs & FPOs → early warnings; portfolio monitoring
Impact pathways 2026 and beyond
🌍 Impact Pathway (2026 and beyond)
• 2025: Dashboard Pilots live with Tata AIG, Samunnati, Novo, Tokio Marine
• 2026: IFSC VaultX pilot with cotton farmers & Samunnati FPOs
• Beyond: Global alignment with reinsurers (Tokio Marine) and DFIs (e.g., AFD) to scale risk capacity
Your subscription today → a seat at the table for tomorrow’s climate-credit rails.