Risk changes.Your decision should too.
Risk infrastructure for real-time decisions. From onboarding to claims.
Risk changes daily. Your model doesn't.
Blind pricing.
You price once. Then hope. Behavior, location, and exposure shift every day — your premium doesn't.
$1.1B paid without proof.
80% of suspected fraud gets paid out. Not because it didn't happen — because no one gathered the evidence in time.
Invisible adverse selection.
Without behavioral data, bad risks look identical to good ones. You only find out when the loss already happened.
Three products. One cycle.
Every product feeds the next. Every decision sharpens the model.
- 1 · KnowOn the way inZarv ID
Verifies the identity and the network behind it, and scores the risk before the contract.
DeliversScore, risk band and flagsExplore Zarv ID - 2 · MonitorDuring the contractZarv Signal
Follows behavior, location and exposure, and flags when the risk changes.
DeliversAlerts with contextExplore Zarv Signal - 3 · InvestigateAt the claimZarv Lens
Analyzes the whole claim — photos, damage, police report, routes and people — and builds the evidence.
DeliversCase file with chain of custodyExplore Zarv Lens
Every decision makes the next one sharper.
Risk is not the same in every operation.
The data layer is the same. What changes is the decision it supports.
Less loss. More margin.
“In one year of partnership, Zarv transformed our efficiency in vehicle location and recovery — with or without a tracker.”
Auditable by construction.
What a risk, legal or security team asks before signing — answered before you ask.
Encrypted end to end
In transit and at rest, with per-customer isolation.
An audit trail per query
Every decision keeps the evidence behind it.
99.9% uptime SLA
Live status, with average latency under 150ms.
See risk before it costs you.
GDPR & CCPA Compliant · No commitment · Live in minutes