About CedeOS
Not one of many options. The standard. The infrastructure layer every insurer, MGA, and broker on these two continents runs on. We are building it because it does not yet exist — and the cost of its absence is measured in billions of dollars that belong to the people it should reach.
The problem we are solving
Every quarter, at thousands of insurance companies across Africa and Asia, the same thing happens. An actuary opens a spreadsheet. They begin the reconciliation. They will not finish for six weeks. Somewhere in those six weeks, they will make an error they will not find for six months.
The money lost to this process — wrong cession rates, missed reinstatements, FX errors, aggregate limit breaches undiscovered until audit — is not a rounding error. It is 2 to 5 percent of gross written premium, every year, at every institution that has not solved this. Across two continents, that is a number that belongs in the billions.
The tragedy is that it is entirely solvable. The information exists. The treaties exist. The policies exist. What has been missing is the infrastructure to connect them, verify them, and produce a correct result — automatically — every time. That is what CedeOS builds.
The alternative is not complicated. It requires infrastructure that connects the bordereaux, the treaty, and the regulatory requirement — and produces a verified result automatically. That is CedeOS.
Why these markets, specifically
The reinsurance technology that exists was built for Lloyd's. It assumes English documentation, ACORD format standardisation, one regulatory framework, and institutional support infrastructure. None of those assumptions hold in Nairobi, Lagos, Karachi, or Riyadh.
These markets operate across a dozen currencies, four languages, and fifteen regulatory jurisdictions — each with different submission formats, different deadlines, and different audit requirements. IFRS 17 has been live since January 2023 and requires audit trails that manually-operated back-offices structurally cannot produce.
We did not build a London product and translate it. We started from the actual requirements of Africa and Asia and built forward. That is not a localisation. That is a different product. That difference is CedeOS.
Mission
To make every reinsurance transaction in Africa and Asia correct, compliant, and auditable — automatically. The first time. Every time.
Vision
A decade from now, every serious insurer, MGA, and broker across Africa and Asia runs on CedeOS. Not because they were required to. Because nothing else comes close.
The entire industry is structured around retrospective discovery. CedeOS is prospective prevention. That is not a feature. It is the founding purpose.
“The reinsurance industry in Africa and Asia will be transformed by the generation of infrastructure builders who decided these markets deserved the same precision, speed, and reliability as any market in the world. CedeOS is that infrastructure.”
What we stand for
Client data never leaves their jurisdiction. Not as a configuration option. As a technical guarantee. The architecture enforces it — because in markets where data residency is a regulatory requirement, a configuration option is not good enough.
The back-office does not need to be faster. It needs to be right. A wrong result in two seconds is worse than a correct result in two minutes. CedeAI verifies every number before any human sees it.
Africa and Asia are not a growth strategy. They are the founding purpose. We serve them first, we build for them specifically, and we will not compromise that for the sake of a market that already has enough options.
The standard we are building
Software is purchased and configured. Infrastructure is depended upon. The distinction is not semantic. An insurer does not purchase their payment processing as a feature — it is the layer their business runs on. Power grids are not products. Roads are not products. They are the foundation everything else assumes.
That is what we are building for reinsurance in Africa and Asia. The layer that reconciles bordereaux, validates treaties, generates regulatory submissions, and maintains the audit trail — not as an application someone uses, but as the infrastructure the back-office runs on. Invisibly. Correctly. At scale.
That standard does not exist yet. That is not a problem. It is the opportunity.
If this is the problem you want to solve, we want to talk.
Whether you are evaluating CedeOS for your operation, or want to be part of building it.