About CedeOS
We will be the operating standard for reinsurance in Africa and Asia.
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
Thirty years of the same quarter-end.
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
Every platform that came before was built for London.
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
The principles that do not bend.
Sovereign by design
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.
Precision, not speed
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.
These markets first
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.
Team
The people building it.
Alvin Nyota
Founder, CEO & CTO
Software engineer. Built CedeOS from first principles after studying treaty-level reconciliation failures across African and Asian reinsurance operations. Sole technical architect of the platform.
LinkedInKelvin Mulama
Chief Commercial Officer & House Actuary
Kelvin bridges commercial strategy and actuarial precision — a combination that is rare in a market where most back-offices treat cession accuracy and revenue growth as separate problems. He manages cedant relationships, pricing architecture, and CedeOS's internal actuarial function. His work ensures every reconciliation output holds against both treaty language and regulatory scrutiny.
Ephraim Achiengo
Chief Operating Officer
Ephraim runs the operational infrastructure behind CedeOS client delivery — from onboarding through to ongoing process compliance. He has direct experience with the manual back-office workflows CedeOS replaces, which means implementation is designed around the real friction, not the theoretical kind. His oversight of the pilot programme ensures every engagement produces documented, auditable outcomes.
Jeff Kamau
Lead Developer & Data Scientist
Jeff architects the data pipeline that makes CedeAI's outputs deterministic — every extraction decision traceable, every validation rule explainable. His computer science foundation is applied daily to the normalisation logic that reconciles bordereaux across dozens of format variants. He leads the technical build alongside Alvin and owns the integrity of every data transformation in the platform.
Gloria
Chief Financial Officer
Gloria manages CedeOS's financial architecture and investor reporting — ensuring every capital decision is grounded in the same precision standards the platform holds its clients to. Her oversight spans treasury, financial controls, and the commercial modelling that underpins the CedeOS pricing and pilot programme.
The standard we are building
The market does not need better software. It needs infrastructure it can rely on.
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.