A MaveriQ Insurtech product Built in Nairobi for East Africa

Claims payment infrastructure · East Africa

Claims settled in minutes, not months

QwikSettle connects insurers and TPAs to M-Pesa and Pesalink — with a rule engine that auto-settles eligible claims without any human intervention.

Book a demo Get API access

IRA-compliant No float held Live in days 7-year audit trail

94% STP rate

Claims settling without human intervention

QwikSettle clients 94%

East Africa industry avg ~45%

<5 min

Avg settlement time

9 rules

Checked per claim

KES 150K

Max per payment

7 years

Audit trail kept

MaveriQ Insurtech

Nairobi, Kenya · Since 2022

QwikSettle is a product of MaveriQ Insurtech — a Nairobi-based team building the technology infrastructure layer for East African insurance. Every product we build solves a specific, painful problem we have watched insurers struggle with firsthand.

QwikSettle — claims payments

Qweli — claims verification AI

DistributionQ — digital distribution

Why MaveriQ built QwikSettle

Most Kenyan insurers still initiate M-Pesa payments manually — a claims officer copying phone numbers into a portal, one by one, 40 times a day. We built QwikSettle to eliminate that entirely.

The rule engine, the audit trail, the escalation queue — every feature exists because a real insurer told us they needed it.

Read our story

How it works

From claim decision to claimant's wallet

QwikSettle sits between your claims system and East African payment rails. One integration. Automatic settlement. Full audit.

Claim verified by your system

Your claims system or Qweli calls our REST API with the claim details — amount, recipient, claim type, risk score. One POST request is all it takes.

9 rules evaluated in <1ms

KYC threshold, fraud risk score, M-Pesa limits, recipient velocity, claim type eligibility — all checked instantly. Result: auto-settle, escalate, or block.

Payment executed via the right rail

Eligible claims go straight to M-Pesa Daraja B2C or Pesalink. The worker handles retries, timeouts, and reconciliation automatically.

Every event logged immutably

Rule results, transitions, actor IDs, and timestamps written to an append-only ledger. IRA export in one click. Court-admissible. 7-year retention.

Features

Everything insurance compliance demands

Not a generic payments API. Every feature exists because a licensed insurer told us they needed it.

Full product details

Straight-through processing

Configurable rule engine evaluates every claim. Low-risk claims settle without a single human touch — average 94% STP rate.

IRA-compliant audit trail

Immutable event log per payment. CSV export for any date range. Court-admissible records kept for 7+ years per CBK requirements.

Multi-rail support

M-Pesa Daraja B2C live now. Pesalink, Bank EFT, and RTGS coming. The right rail chosen automatically by recipient type.

Smart escalation queue

High-risk claims route to your review queue with full context — risk score, rule results, policy details. One-click approve or reject.

Real-time webhooks

Instant notification when a payment confirms, fails, or escalates. HMAC-SHA256 signed. Automatic retry with exponential backoff.

Insurer dashboard

Live STP rate, settlement volume, escalation queue, analytics, and IRA export. Available at dashboard.qwiksettle.maveriqinsure.com.

Payment rails

East Africa's payment infrastructure, connected

QwikSettle integrates directly with Safaricom's Daraja B2C API — the same infrastructure that powers Kenya's digital economy. Your claimant gets paid to their M-Pesa wallet within seconds of confirmation.

Pesalink, Bank EFT, and RTGS are in active development, making QwikSettle the only claims settlement platform you'll ever need as your business grows.

M-Pesa Daraja B2C

Live now

Pesalink

Coming soon

Bank EFT / RTGS

Coming soon

Cheque instruction

Coming soon

Who it's for

One platform, every claims payer

Whether you're a licensed insurer, TPA, broker, or developer — QwikSettle has a path for you.

Insurers

Cut claims operations costs. Delight policyholders with same-day settlement.

Reduce manual claims processing
IRA audit export in one click
STP rate dashboard for board reporting
REST API or Qweli integration

TPAs & Brokers

Offer faster settlement as a competitive advantage across all your insurer clients.

Multi-tenant — one key per insurer
Per-tenant STP rule configuration
Separate audit trails per client
Volume pricing available

Developers

A clean REST API with idempotency, webhooks, and full audit trail built in.

Idempotent payments API
HMAC-signed webhooks
Sandbox environment
SDKs coming soon

About MaveriQ Insurtech

Built in Nairobi, for East Africa

MaveriQ Insurtech is a Nairobi-based insurtech building infrastructure for East African insurance. We are not a generic payments company that pivoted into insurance — we started here, and every product we build is designed around the specific compliance, cultural, and operational realities of this market.

QwikSettle is our claims settlement infrastructure. But it's part of a broader suite of tools we're building to modernise every layer of the insurance value chain.

QwikSettle

Straight-through claims payment infrastructure

Qweli

AI-powered claims verification and risk scoring

DistributionQ

Digital insurance distribution platform

GrowthOS

Insurance analytics and reporting platform

More about MaveriQ

A policyholder who files a claim has already had a bad day. Making them wait weeks for payment is unacceptable when the technology to settle in minutes exists.

MaveriQ Insurtech — Nairobi, Kenya

Get started

Ready to settle claims in minutes?

Book a 30-minute demo and watch a live payment go from claim instruction to M-Pesa confirmation — in real time.

Book a demo Get API access

sales@maveriqinsure.com · +254 701 393 737