Flexible Solutions for Modern Insurers.
Deploy MOAT under your own brand with our fully customizable white-label platform, or launch in weeks using our ready-to-use hosted app. Power user engagement, process wearable biometrics, and quantify portfolio risk.
The Platform Engine
How the technology fits together
MOAT delivers a complete wellness-to-risk infrastructure bridging member daily habits with B2B actuarial insights.
Member Health App (B2C)
An intuitive mobile-responsive portal where policyholders connect their wearables (Fitbit, Garmin, Apple Health, Oura, Whoop), calculate their WHO-endorsed Health Score, and complete Article 9 consented lifestyle questionnaires.
Actuarial Risk Engine (B2B)
Powered by validated mortality and morbidity models. Processes wearable streams and questionnaire data into dynamic risk profiles. Gives underwriters cohort-level predictive insights, statistical lift tables, and risk reclassification maps.
Dual-Currency Wallet & Ledger
An audit-ready points transaction ledger. Maintains strict currency isolation between 'verified_points' (from Rook wearable data, redeemable for premium discounts) and 'activity_credits' (from self-reported tasks, redeemable for engagement perks).
Choose how you deploy
We offer two integration structures designed to balance branding control with speed to market.
Pure White-Label Integration
Total brand alignment & customization
Designed for established carriers requiring complete control over the policyholder relationship. Customize every visual asset, color palette, custom domain, and email system to deliver a native brand experience.
Best for: Full corporate launches & custom ecosystems
- 100% carrier branded (your logo, colors, fonts, and domains)
- Standalone deployment to App Store & Google Play
- Custom sponsor reward networks & specialized catalogues
- Bespoke milestone rules mapping to internal pricing strategies
- Dedicated, isolated database instance & customized RLS policies
Ready-to-Use App (Sponsor Branded)
Zero-code, hosted speed to market
Designed for rapid pilot programs and agile innovation groups looking to launch a wearable-incentive initiative in weeks rather than months, with no internal IT resources required.
Best for: Rapid pilots & agile market testing
- Official MOAT application under sponsored branding
- No internal developer or design resources required
- Fully hosted, maintained, and secured by MOAT engineers
- Standard pre-integrated rewards (gyms, wellness, vouchers)
- GDPR Article 9 consent flows fully configured out-of-the-box
Feature Matrix
Comparing implementation models
| Capability | Pure White-Label Platform | Ready-to-Use App |
|---|---|---|
| Branding | Full Carrier Branding (Logo/Colors/Fonts) | Sponsored ('Powered by MOAT') |
| Launch Timeline | 4 to 8 Weeks | Under 2 Weeks |
| Developer Resources | Low (SDK/API integration or template configs) | Zero |
| Custom Domains & Email | Supported | MOAT Subdomains |
| Custom Reward Catalogue | Fully Supported | Standard Network Only |
| Cloud Hosting & Security | Dedicated / Region-specific DB option | Shared Multi-tenant SaaS |
| GDPR Consent Handling | Fully customized legal templates | Standard Pre-configured Gate |
Ready to evaluate your integration strategy?
Contact our solutions engineering team to review system architecture, API specifications, and database setup options.