Solutions · Delegated authority

You delegate the work. You keep the liability. Your audit is a sample.

Raise the delegate's limit and drop the supervision. The principal signs, the delegate acts, and the receipts verify without the delegate's logs.

For Insurers with TPAs, lenders with servicers and agencies, brands with BPOs, banks with fintech partners, and the capital behind them.

What the agent does
Claims paid by a TPA Settlements by a collections agency Refunds by a BPO Account actions by a partner's agent
Why it stalls

An insurer hands claims to a TPA, a lender hands arrears to an agency and a brand hands refunds to a BPO. The work moves out and the liability stays. The control that is left is an annual audit reading a sample of files and a monthly report the delegate writes about itself.

So the principal keeps the limits low and the supervision high, and every case above a small amount comes back for approval, which costs exactly what delegation was supposed to save. Every dispute turns into a search through someone else's records.

Stategram moves the limits to where the work happens. The principal signs the policy, the delegate's people and agents act inside it and the totals hold across every delegate at once. A dispute starts with a receipt. The audit becomes a check of receipts, not a sample of files.

What the trust loop adds

Enforce your limits before money moves.

Limits the principal signs

Per case, per customer and per delegate, enforced before the payment, not reviewed after it.

One total across delegates

Two agencies working the same book draw down one total.

Referrals back to the principal

Above the line, the case comes back to the person the principal names, and nothing is paid.

A dispute that starts with a receipt

Every action the delegate took carries proof the principal checks itself.

policy: delegated claims version: 1
events: claim payment: delegate: id policyholder: id amount: money
counters: delegate this month: {unit: EUR, per: delegate, resets: monthly} policyholder this month: {unit: EUR, per: policyholder, resets: monthly}
rules: delegated authority: on: claim payment require: amount <= 5 000 EUR otherwise: ask claims manager delegate total: on: claim payment count: amount into delegate this month limit: 250 000 EUR policyholder total: on: claim payment count: amount into policyholder this month limit: 10 000 EUR
An example policy

See the policy your risk owner signs.

An example written for this page, with round numbers. It uses only what the policy format has today, and it is not a customer's policy.

Inside the rules the agent acts alone. Above a line, the named person decides. Every change to the numbers is a new signed version.

How it connects
  • The delegate integrates once, and its people and agents ask for a permit before they pay.
  • The principal signs the policy and checks the receipts itself, offline.
  • Several delegates share the principal's totals.

How the trust loop works

What we can show today
  • DORA keeps a financial entity fully responsible for every ICT provider it uses, and has applied since January 2025.
  • The hosted release gives a permit in 95 ms at p99, and every permit traces back to the principal's own signature.
  • The engine underneath has run money workflows in production since 2022.

Switch on your first agent.

Two weeks, a fixed fee, your limits and a named approver, and the method to do the next workflow yourself.

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