Use Cases / Insurance
🏥 Insurance

Eliminate Claims Fraud.
Certify Every Photo.

Insurance fraud costs the industry billions annually. Kura creates tamper-proof, timestamped photo evidence that eliminates disputes and accelerates claims processing.

The Problem

Insurance Evidence Is Broken

Standard phone photos can be edited, backdated, or fabricated entirely. Insurers have no way to verify authenticity.

Fraudulent Claims

Edited photos, staged damage, and recycled images cost insurers billions each year. Traditional EXIF data is trivially spoofable.

📅

Disputed Timelines

Without a trusted timestamp, claimants and adjusters argue over when damage actually occurred — dragging out resolution.

Slow Processing

Manual evidence review, back-and-forth requests, and expert analysis turn simple claims into month-long investigations.

The Solution

How Kura Solves This

Four steps from camera to court-ready evidence — no special hardware, no workflow changes.

1

Capture

Adjuster photographs damage using Kura's web app. The photo is hashed instantly at the point of capture.

2

Certify

The SHA-256 hash, claimed GPS, and identity are anchored to the Internet Computer blockchain via consensus.

3

Encrypt & Store

The original media is encrypted with vetKeys and stored on-chain. Only authorised parties can decrypt.

4

Verify

Anyone can independently verify the record — hash match, timestamp, and identity — with a single link.

Features

Built for Insurance Workflows

📷

Point-of-Capture Hashing

SHA-256 hash is generated the instant the photo is taken — before it can be modified or transferred.

Consensus Timestamp

Blockchain consensus provides a trusted, immutable timestamp — not device clock, not EXIF data.

👤

Identity Verification

Every capture is linked to a verified identity. Know exactly who took the photo and when.

🔒

End-to-End Encryption

vetKeys encryption ensures sensitive claims photos are only visible to authorised adjusters and claimants.

📄

PDF Evidence Pack

Generate court-admissible evidence documents with full cryptographic proof, chain of custody, and audit trail.

🔗

Shareable Verification

Share a single verification link with any stakeholder. No account needed to confirm authenticity.

Real-World Scenario

Water Damage Claim — Resolved in Hours

Case Study

A homeowner discovers a burst pipe causing significant water damage to their kitchen. They immediately open Kura and photograph the damage from multiple angles.

Each photo is instantly hashed, timestamped by blockchain consensus, and linked to the homeowner's verified identity. The claimed GPS confirms they're at the insured property.

Result: The insurer's adjuster receives a verification link, confirms all 12 photos are authentic and timestamped within the reported time window, and approves the claim — all within 4 hours of submission. No site visit required for initial assessment.

Without Kura, this claim would have required an in-person inspection scheduled days later, during which further damage could occur and evidence could deteriorate.

£3.2B
Annual UK Insurance Fraud
67%
Claims With Photo Disputes
14 days
Avg. Disputed Claim Resolution
<4 hrs
With Kura Verification
Evidence Pack

Court-Admissible Documentation

PDF Evidence Pack

Every Kura Record Generates a Full Evidence Pack

A downloadable PDF containing everything needed for legal proceedings, regulatory compliance, or internal audit.

  • Original photo with SHA-256 hash
  • Blockchain consensus timestamp
  • Verified identity of the capturer
  • Claimed GPS coordinates
  • Full cryptographic audit trail
  • Independent verification link

Ready to Eliminate Claims Fraud?

Start creating tamper-proof evidence today. No hardware required — just open Kura and capture.

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