# YAS (full index) > Extended machine-readable site map with per-route blurbs, press archive, industry insights, open roles, and comparison detail. Curated index: /llms.txt We operate the AI layer that reads, monitors, and supports risk decisions across the machine economy — from electric and commercial fleets to autonomous vehicles, robotics, and industrial assets. Electric fleets are scaling today; robotaxis, robots, and AI agents are arriving fast. But none of it scales — no machine gets insured, financed, or deployed at scale — until the people carrying the risk can trust what it actually did. We exist to make machine behaviour verifiable, so capital and accountability can finally follow the machine. YAS operates the AURA scoring engine: machine behaviour is read into a verified, governed record of its risk. **The licensed insurer retains pricing and underwriting authority — YAS supports the decision; it does not make it.** AURA is decision support, not autonomous underwriting. Licensed as a Hong Kong insurance broker (FA2648). Carrier capacity and programme terms: Zurich, Generali, etiqa, and others across APAC. Bilingual site (English + Traditional Chinese). Replace `/en/` with `/zh/` in any URL below for the Chinese edition. ## YAS Protocol - [YAS Protocol](https://www.yas.io/en/platform): YAS Protocol — how live telemetry becomes governed machine-risk signals: ingest, ODD context, AURA scoring, cryptographic provenance, and insurer-facing governance. - [Events API & SDK](https://www.yas.io/en/developers/events-api): Events API — HTTP ingestion for trips and telemetry; OAuth 2.0 client credentials, idempotent event keys, sandbox for qualified pilots. - [Machine telemetry](https://www.yas.io/en/products/streaming-data): ODD Engine — operational design domain tags on every machine event (road, weather, speed, density) so risk is scored in context, not in the abstract. - [AURA Score](https://www.yas.io/en/platform#aura-score): Explainable factor-level risk scoring (~100 factors, six themes); score moves show which behaviours drove the change. - [ODD Engine](https://www.yas.io/en/platform#odd-engine): Operational context on every machine event — road grade, weather band, speed zone, traffic density. - [Governance](https://www.yas.io/en/platform#governance): Insurer authority preserved; audit trails, model oversight, and attestation records for carrier review. - [iOS / Android SDK](https://www.yas.io/en/developers/sdk): iOS / Android SDK — lightweight telemetry collectors for operator apps and edge devices; private beta with selected fleet partners. - [Trust & Safety](https://www.yas.io/en/legal/trust-and-safety): Trust & Safety — security controls, responsible AI, model governance; licensed insurer retains underwriting authority. ## Who YAS serves - **Fleet operators** — coach risk down with live AURA scores; behaviour-based programmes with carrier partners. - **Robotics & AV operators** — embed insurable risk signals at deployment; scenario-based cover workflows. - **Licensed insurers & reinsurers** — factor-level, explainable machine risk in context; verifiable attestation records. - **Telematics & OEM integrators** — certified connectors, Events API, and sandbox access for qualified pilots. ## Deployment status - **Live today:** 800+ JOIE EV taxis; 17.3M+ km scored; AURA scores every journey — licensed insurer prices off the signal. - **In progress:** TiN TiN RoboTaxi with YAS × JOIE — AV licence application submitted; 17M+ km of Hong Kong road data already scored. - **June 2026:** Commercial robots with Zurich × Axonex — embedded micro-insurance at point of deployment on the same AURA rail. - **Next:** Malaysia and Vietnam active; early Europe conversations. - [Roadmap](https://www.yas.io/en/company/roadmap): Deployment timeline — JOIE EV live today, TiN TiN RoboTaxi in progress, Zurich × Axonex robots June 2026, Malaysia/Vietnam active, early Europe. ## Platform - [YAS Protocol](https://www.yas.io/en/platform): YAS Protocol — how live telemetry becomes governed machine-risk signals: ingest, ODD context, AURA scoring, cryptographic provenance, and insurer-facing governance. - [AURA Score](https://www.yas.io/en/platform): YAS Protocol — how live telemetry becomes governed machine-risk signals: ingest, ODD context, AURA scoring, cryptographic provenance, and insurer-facing governance. - [Events API & SDK](https://www.yas.io/en/developers/events-api): Events API — HTTP ingestion for trips and telemetry; OAuth 2.0 client credentials, idempotent event keys, sandbox for qualified pilots. - [ODD Engine](https://www.yas.io/en/platform): YAS Protocol — how live telemetry becomes governed machine-risk signals: ingest, ODD context, AURA scoring, cryptographic provenance, and insurer-facing governance. - [Governance](https://www.yas.io/en/platform): YAS Protocol — how live telemetry becomes governed machine-risk signals: ingest, ODD context, AURA scoring, cryptographic provenance, and insurer-facing governance. ## Solutions - [EV & Commercial Fleets](https://www.yas.io/en/solutions/ev-fleets): EV & commercial fleets — behaviour-based risk from live driving telemetry; 800+ JOIE EV taxis and 17M+ km scored in production. - [Robotics & Humanoids](https://www.yas.io/en/solutions/robotics): Robotics & humanoids — coverage workflows and embedded micro-insurance for robot deployments (Zurich × Axonex programme). - [Autonomous Vehicles](https://www.yas.io/en/autonomous): Autonomous vehicles — risk intelligence for AV fleets and robotaxi operators; TiN TiN RoboTaxi pilot in progress (coming soon on site). ## Company - [About Us](https://www.yas.io/en/company/about): About YAS — who we are, the machine-economy thesis, and how the risk-intelligence layer fits between operators and licensed insurers. - [Roadmap](https://www.yas.io/en/company/roadmap): Deployment timeline — JOIE EV live today, TiN TiN RoboTaxi in progress, Zurich × Axonex robots June 2026, Malaysia/Vietnam active, early Europe. - [Partners](https://www.yas.io/en/company/partners): Partner programme — telematics integrators (Geotab, Samsara, Motive), robotics OEMs (Axonex, Rice Robotics), capacity carriers (Zurich, Generali, etiqa). - [Careers](https://www.yas.io/en/company/careers): Careers — open roles across product, growth, and deployments in Hong Kong and APAC. - [Press](https://www.yas.io/en/company/press): Press centre — company announcements, partnerships, and product launches with RSS feed at /press/feed.xml. - [Contact Us](https://www.yas.io/en/company/contact-us): Contact — enterprise enquiries; aim to reply within 48 hours on business days. - [FAQs](https://www.yas.io/en/company/faq): Enterprise FAQs — AURA decision-support role, integration paths, markets, data protection, and llms indexes. ## Compare (summary) YAS is the risk-intelligence layer for machines: it reads live telemetry, scores risk in context, and produces a verifiable record a licensed insurer can price off. Here is how that differs from adjacent categories — described fairly, on the facts. ### YAS vs Palantir Palantir builds general-purpose data integration and analytics platforms (Foundry, Gotham, AIP) across many industries. YAS is a vertical risk-intelligence layer purpose-built for machine risk, with an insurance licence and carrier capacity behind it. - **Focus** — YAS: Machine risk — EVs, AVs, robots, humanoids — scored on one scale | General analytics platform: Horizontal data integration and analytics across sectors - **Output** — YAS: An AURA score (0–100) plus a verifiable risk record an insurer can price off | General analytics platform: Dashboards, models and operational tooling built per deployment - **Regulatory standing** — YAS: HK-licensed MGA (FA2648); carrier co-sign on attestation | General analytics platform: Software vendor; no insurance licence or capacity - **Domain context** — YAS: ODD Engine tags every event with road, weather, speed and density | General analytics platform: Context modelled bespoke per customer engagement - **Business model** — YAS: Risk rail behind operators and insurers; behaviour-based cover | General analytics platform: Enterprise software licensing and deployment services - [Full comparison: YAS vs Palantir](https://www.yas.io/en/compare#palantir): Competitive positioning — YAS vs Palantir, Lemonade, and traditional telematics MGAs with dimension-by-dimension comparison tables. ### YAS vs Lemonade Lemonade is a consumer insurance carrier with an AI-driven direct-to-consumer experience. YAS is infrastructure: the risk-intelligence layer operators and insurers build on to make machines insurable. We do not sell consumer policies; we power the risk decision behind them. - **Customer** — YAS: Fleet operators, robotics OEMs, insurers and reinsurers | D2C AI insurer: Individual consumers buying personal lines - **Risk signal** — YAS: Live machine telemetry — ~100 factors, 17 safety parameters, in context | D2C AI insurer: Application data, behavioural signals, claims history - **Where it sits** — YAS: The rail beneath operators and carriers (B2B2B) | D2C AI insurer: The carrier and brand facing the end customer - **Asset class** — YAS: Machines: vehicles, robots, humanoids, industrial assets | D2C AI insurer: Homes, renters, pets, life and motor for people - **Provenance** — YAS: Cryptographic, tamper-evident record; structural neutrality | D2C AI insurer: Internal claims and pricing systems - [Full comparison: YAS vs Lemonade](https://www.yas.io/en/compare#lemonade): Competitive positioning — YAS vs Palantir, Lemonade, and traditional telematics MGAs with dimension-by-dimension comparison tables. ### YAS vs Traditional telematics & MGAs Traditional telematics scores drivers; legacy MGAs price off static proxies. YAS reads behaviour in its true operating context, explains every score, and attests the record so an outside party can trust it — across any machine category, not just cars. - **Pricing basis** — YAS: Live behaviour, scored every trip, sub-200ms — insurer prices off it | Traditional telematics / MGA: Demographics and annual proxies; periodic telematics summaries - **Context** — YAS: ODD Engine: road, surface, weather, density tagged per event | Traditional telematics / MGA: Raw event counts, limited contextual weighting - **Explainability** — YAS: Every score shows which behaviours moved it | Traditional telematics / MGA: Often a black-box score or a simple event tally - **Coverage scope** — YAS: Cars, AVs, robots, humanoids, industrial — one scale | Traditional telematics / MGA: Primarily personal or fleet motor - **Trust model** — YAS: Tamper-evident provenance; operator cannot edit its own record | Traditional telematics / MGA: Operator-reported data; weaker third-party assurance - [Full comparison: YAS vs Traditional telematics & MGAs](https://www.yas.io/en/compare#traditional-mga): Competitive positioning — YAS vs Palantir, Lemonade, and traditional telematics MGAs with dimension-by-dimension comparison tables. ## Developers - [Integrations](https://www.yas.io/en/developers/integrations): Integrations — certified telematics and OEM data feeds; Geotab and Samsara pilots, Motive planned, custom ingest via Events API. - [Events API](https://www.yas.io/en/developers/events-api): Events API — HTTP ingestion for trips and telemetry; OAuth 2.0 client credentials, idempotent event keys, sandbox for qualified pilots. - [iOS / Android SDK](https://www.yas.io/en/developers/sdk): iOS / Android SDK — lightweight telemetry collectors for operator apps and edge devices; private beta with selected fleet partners. - [Read llms.txt](https://www.yas.io/llms.txt) - [Read llms-full.txt](https://www.yas.io/llms-full.txt) ## Security & Legal - [Privacy Policy](https://www.yas.io/en/legal/privacy): Privacy Policy — how YAS handles personal data across the platform and enterprise integrations. - [Cookie Policy](https://www.yas.io/en/legal/cookies): Cookie Policy — cookies and similar technologies on the corporate site. - [Terms of Service](https://www.yas.io/en/legal/terms): Terms of Service — contractual terms for use of YAS products and services. - [Data Protection Addendum](https://www.yas.io/en/legal/dpa): Data Protection Addendum — supplementary GDPR-aligned terms for enterprise customers and integration partners. - [Trust & Safety](https://www.yas.io/en/legal/trust-and-safety): Trust & Safety — security controls, responsible AI, model governance; licensed insurer retains underwriting authority. ## Press releases - [Zurich Insurance (Hong Kong) and YAS announce embedded insurance for robots](https://www.yas.io/en/company/press/yas-zurich-axonex-robot-embedded-insurance): Partnership · 2026-06-15 — Driving AI and robotics adoption in Hong Kong with innovative InsurTech - [Zurich Insurance and YAS unveil AI-powered rewards scheme for HK taxis](https://www.yas.io/en/company/press/zurich-yas-ai-powered-rewards-scheme-hk-taxis): Partnership · 2025-09-29 — Zurich Insurance (Hong Kong) has partnered with YAS Insurance to launch an innovative, rewards-based motor insurance programme for eligible EV and… - [Joie and YAS Insurance Announce Strategic Partnership to Electrify and Elevate Hong Kong’s Taxi Experience](https://www.yas.io/en/company/press/joie-yas-smart-taxi-industry): Partnership · 2025-06-24 — Joie and YAS Insurance Announce Strategic Partnership to Electrify and Elevate Hong Kong’s Taxi Experience - [YAS Presents TimeCare - Hong Kong's First Blockchain-Powered Luxury Watch Insurance](https://www.yas.io/en/company/press/timecare-blockchain-luxury-watch-insurance-launch): Product · 2023-07-14 — (Hong Kong – 14 July 2023) Oriental Watch Group (398.HK), YAS Hong Kong, and QBE Hong Kong are thrilled to announce the launch of TimeCare, Hong Kong's… - [YAS MicroInsurance and Amodo Join Forces to Enable Autonomous Insurance On-Chain](https://www.yas.io/en/company/press/yas-amodo-autonomous-blockchain-insurance): Partnership · 2022-06-09 — Hong Kong, 9 June 2022 - YAS MicroInsurance (YAS), an insurance on blockchain frontier, is joining forces with Amodo, a telematics insurtech company, to… - [YAS Microinsurance named a 2021 Deloitte Hong Kong Technology Rising Star Awardee!](https://www.yas.io/en/company/press/yas-deloitte-2021-hong-kong-rising-star): Company · 2021-12-15 — YAS Microinsurance named a 2021 Deloitte Hong Kong Technology Rising Star Awardee! ## Industry insights - [Insurance follows the machine — and right now it can't keep up](https://www.yas.io/en/company/industry-insights/insurance-follows-the-machine): Analysis · 2026-06-11 — When people list what unlocks autonomous machines, insurance rarely appears — and that read is correct. Insurance follows the technology. The open question is whether it can price the risk fast enough to keep capital flowing, and the bottleneck is data. - [Machine risk is becoming an operating layer](https://www.yas.io/en/company/industry-insights/machine-risk-operating-layer): Analysis · 2026-06-04 — As machines move from pilots into daily work, risk teams need a live operating layer that reads context, not a static file after the fact. - [Autonomous fleets need shared operating evidence](https://www.yas.io/en/company/industry-insights/autonomous-fleets-shared-evidence): Autonomous · 2026-05-27 — Robotaxi and AV programs are moving from technical milestones to repeatable operations. The missing layer is often a trusted evidence loop. - [Humanoids move the risk conversation indoors](https://www.yas.io/en/company/industry-insights/humanoids-in-shared-spaces): Humanoids · 2026-05-16 — Humanoids will operate around staff, visitors, inventory, and changing floor plans. That makes context the core design problem. - [Delivery robots make the curb a data problem](https://www.yas.io/en/company/industry-insights/delivery-robots-curbside-data): Delivery · 2026-05-03 — The curb is becoming a contested operating zone for robots, riders, pedestrians, loading bays, and city rules. Better data makes it legible. ## Open roles - [Senior Product Manager, YAS](https://www.yas.io/en/company/careers/senior-product-manager-yas): Product · Hong Kong / Hybrid — Own the product loop that turns telemetry, scoring, and partner workflows into a clear operating system for machine risk. - [Growth Lead, APAC Partnerships](https://www.yas.io/en/company/careers/growth-lead-apac): Growth · Hong Kong or Singapore / Hybrid — Build the partner motion for fleets, robotics operators, and insurance capacity partners across APAC. - [Operations Manager, Deployments](https://www.yas.io/en/company/careers/operations-manager-deployments): Operations · Hong Kong / Hybrid — Coordinate the practical work that gets partner launches live: data readiness, process design, training, and incident rhythms. ## All routes - [Home](https://www.yas.io/en): Home — risk intelligence for the machine economy; live deployments across EV fleets with robotics and AV expansion on the same AURA rail. - [Autonomous Vehicles](https://www.yas.io/en/autonomous): Autonomous vehicles — risk intelligence for AV fleets and robotaxi operators; TiN TiN RoboTaxi pilot in progress (coming soon on site). - [About Us](https://www.yas.io/en/company/about): About YAS — who we are, the machine-economy thesis, and how the risk-intelligence layer fits between operators and licensed insurers. - [Careers](https://www.yas.io/en/company/careers): Careers — open roles across product, growth, and deployments in Hong Kong and APAC. - [growth-lead-apac](https://www.yas.io/en/company/careers/growth-lead-apac) - [operations-manager-deployments](https://www.yas.io/en/company/careers/operations-manager-deployments) - [senior-product-manager-yas](https://www.yas.io/en/company/careers/senior-product-manager-yas) - [Contact Us](https://www.yas.io/en/company/contact-us): Contact — enterprise enquiries; aim to reply within 48 hours on business days. - [FAQs](https://www.yas.io/en/company/faq): Enterprise FAQs — AURA decision-support role, integration paths, markets, data protection, and llms indexes. - [Industry Insights](https://www.yas.io/en/company/industry-insights): Industry insights — long-form analysis on machine risk, autonomy, and insurance; RSS at /company/industry-insights/feed.xml. - [autonomous-fleets-shared-evidence](https://www.yas.io/en/company/industry-insights/autonomous-fleets-shared-evidence) - [delivery-robots-curbside-data](https://www.yas.io/en/company/industry-insights/delivery-robots-curbside-data) - [humanoids-in-shared-spaces](https://www.yas.io/en/company/industry-insights/humanoids-in-shared-spaces) - [insurance-follows-the-machine](https://www.yas.io/en/company/industry-insights/insurance-follows-the-machine) - [machine-risk-operating-layer](https://www.yas.io/en/company/industry-insights/machine-risk-operating-layer) - [Investors](https://www.yas.io/en/company/investors): Investors — company narrative for capital partners evaluating the machine-risk platform. - [Partners](https://www.yas.io/en/company/partners): Partner programme — telematics integrators (Geotab, Samsara, Motive), robotics OEMs (Axonex, Rice Robotics), capacity carriers (Zurich, Generali, etiqa). - [Press](https://www.yas.io/en/company/press): Press centre — company announcements, partnerships, and product launches with RSS feed at /press/feed.xml. - [joie-yas-smart-taxi-industry](https://www.yas.io/en/company/press/joie-yas-smart-taxi-industry) - [timecare-blockchain-luxury-watch-insurance-launch](https://www.yas.io/en/company/press/timecare-blockchain-luxury-watch-insurance-launch) - [yas-amodo-autonomous-blockchain-insurance](https://www.yas.io/en/company/press/yas-amodo-autonomous-blockchain-insurance) - [yas-deloitte-2021-hong-kong-rising-star](https://www.yas.io/en/company/press/yas-deloitte-2021-hong-kong-rising-star) - [yas-zurich-axonex-robot-embedded-insurance](https://www.yas.io/en/company/press/yas-zurich-axonex-robot-embedded-insurance) - [zurich-yas-ai-powered-rewards-scheme-hk-taxis](https://www.yas.io/en/company/press/zurich-yas-ai-powered-rewards-scheme-hk-taxis) - [Roadmap](https://www.yas.io/en/company/roadmap): Deployment timeline — JOIE EV live today, TiN TiN RoboTaxi in progress, Zurich × Axonex robots June 2026, Malaysia/Vietnam active, early Europe. - [Vision](https://www.yas.io/en/company/vision): Vision — trust as the bottleneck to the machine economy; making machine behaviour verifiable so capital and accountability can follow. - [YAS vs Palantir](https://www.yas.io/en/compare): Competitive positioning — YAS vs Palantir, Lemonade, and traditional telematics MGAs with dimension-by-dimension comparison tables. - [Customers](https://www.yas.io/en/customers): Customer case studies — JOIE, Axonex, and other operators running live YAS deployments. - [Developers](https://www.yas.io/en/developers): Developers hub — start here for Events API, mobile SDK, and certified telematics integrations. - [Events API & SDK](https://www.yas.io/en/developers/events-api): Events API — HTTP ingestion for trips and telemetry; OAuth 2.0 client credentials, idempotent event keys, sandbox for qualified pilots. - [Integrations](https://www.yas.io/en/developers/integrations): Integrations — certified telematics and OEM data feeds; Geotab and Samsara pilots, Motive planned, custom ingest via Events API. - [iOS / Android SDK](https://www.yas.io/en/developers/sdk): iOS / Android SDK — lightweight telemetry collectors for operator apps and edge devices; private beta with selected fleet partners. - [Cookie Policy](https://www.yas.io/en/legal/cookies): Cookie Policy — cookies and similar technologies on the corporate site. - [Data Protection Addendum](https://www.yas.io/en/legal/dpa): Data Protection Addendum — supplementary GDPR-aligned terms for enterprise customers and integration partners. - [Privacy Policy](https://www.yas.io/en/legal/privacy): Privacy Policy — how YAS handles personal data across the platform and enterprise integrations. - [Terms of Service](https://www.yas.io/en/legal/terms): Terms of Service — contractual terms for use of YAS products and services. - [Trust & Safety](https://www.yas.io/en/legal/trust-and-safety): Trust & Safety — security controls, responsible AI, model governance; licensed insurer retains underwriting authority. - [YAS Protocol](https://www.yas.io/en/platform): YAS Protocol — how live telemetry becomes governed machine-risk signals: ingest, ODD context, AURA scoring, cryptographic provenance, and insurer-facing governance. - [Machine telemetry](https://www.yas.io/en/products/streaming-data): ODD Engine — operational design domain tags on every machine event (road, weather, speed, density) so risk is scored in context, not in the abstract. - [Trust & regulation](https://www.yas.io/en/products/trust): Trust & regulation narrative for the platform — how YAS aligns with licensed insurer authority and regulatory expectations. - [EV & Commercial Fleets](https://www.yas.io/en/solutions/ev-fleets): EV & commercial fleets — behaviour-based risk from live driving telemetry; 800+ JOIE EV taxis and 17M+ km scored in production. - [Robotics & Humanoids](https://www.yas.io/en/solutions/robotics): Robotics & humanoids — coverage workflows and embedded micro-insurance for robot deployments (Zurich × Axonex programme). ## Frequently asked questions ### About YAS **Q: What does YAS actually do?** A: YAS turns how a machine behaves into one live, explainable risk score — AURA. Operators see where to coach risk down; licensed insurers get a factor-level view that informs pricing. We are the risk-intelligence layer; we are not the insurer. **Q: How quickly do you reply to enquiries?** A: We aim to reply within 48 hours on enterprise enquiries, and most messages get a same-day response on business days. **Q: Which markets are supported?** A: YAS works with licensed insurer partners across APAC. Specific market availability depends on the carrier programme — tell us your deployment geography and we'll confirm. ### AURA & scoring **Q: Does AURA make underwriting decisions?** A: No. AURA supports, informs, and scores machine risk. The licensed insurer retains authority over pricing and underwriting — AURA never binds coverage on its own. **Q: Is the score explainable?** A: Yes. When a score moves, YAS shows which behaviours moved it, broken down across roughly 100 risk factors grouped into six themes. Nothing enters the model as a black box. **Q: What machines can you score?** A: Today: commercial EV fleets and robotics deployments, with autonomous-vehicle pilots expanding as markets open. The same scale applies across machine types — see the roadmap for what's next. ### Integrating **Q: Can we try the API before committing?** A: Yes. Qualified pilots get sandbox credentials and reference docs to build against without touching production. Start at the developer hub or talk to our technical team. **Q: How does data get into YAS?** A: Through certified telematics connectors, our edge-capture SDKs, or a custom feed for non-standard schemas. Trip and telemetry data is normalized into the ODD Engine before scoring. **Q: Where are the llms.txt files?** A: Machine-readable site indexes live at /llms.txt (curated) and /llms-full.txt (extended). Both are linked from the footer. ### Trust & data **Q: How is our data protected?** A: Encryption in transit and at rest for production systems, role-scoped access, and audit trails on scoring outputs. See Trust & Safety for the full programme, and request our DPA for contractual terms. **Q: Who holds underwriting authority?** A: Always the licensed insurer. YAS provides decision support — scores, explanations, and attestation records. A qualified person makes the final call. ## Contact - [Contact Us](https://www.yas.io/en/company/contact-us): Contact — enterprise enquiries; aim to reply within 48 hours on business days. - WhatsApp: [+852 8402 8937](https://wa.me/85284028937) - Enterprise enquiries: aim to reply within 48 hours; most messages get a same-day response on business days. ## Reference - [Curated llms.txt](https://www.yas.io/llms.txt) - [Sitemap](https://www.yas.io/sitemap.xml) - [Press RSS](https://www.yas.io/press/feed.xml) - [Industry insights RSS](https://www.yas.io/company/industry-insights/feed.xml)