# 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 turn live driving and machine data into a risk score in real time. Fleet teams use it to improve driver safety, while insurers use it to underwrite risk more fairly. Fleets and robots are scaling — but capital won't follow without it. No machine gets insured or deployed at scale until risk-holders can see what it actually did. 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-hk/` in any URL below for the Chinese edition. ## YAS Protocol - [YAS Protocol](https://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://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://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://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://yas.io/en/platform#odd-engine): Operational context on every machine event — road grade, weather band, speed zone, traffic density. - [Governance](https://yas.io/en/platform#governance): Insurer authority preserved; audit trails, model oversight, and attestation records for carrier review. - [iOS / Android SDK](https://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://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://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://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://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. - [ODD Engine](https://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://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://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://yas.io/en/solutions/robotics): Robotics & humanoids — coverage workflows and embedded micro-insurance for robot deployments (Zurich × Axonex programme). - [Autonomous Vehicles](https://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://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. - [Vision](https://yas.io/en/company/vision): Vision — trust as the bottleneck to the machine economy; making machine behaviour verifiable so capital and accountability can follow. - [Roadmap](https://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://yas.io/en/company/partners): Partner programme — telematics integrators (Geotab, Samsara, Motive), robotics OEMs (Axonex, Rice Robotics), capacity carriers (Zurich, Generali, etiqa). - [Industry Insights](https://yas.io/en/company/industry-insights): Industry insights — long-form analysis on machine risk, autonomy, and insurance; RSS at /company/industry-insights/feed.xml. - [Press](https://yas.io/en/company/press): Press centre — company announcements, partnerships, and product launches with RSS feed at /press/feed.xml. - [Careers](https://yas.io/en/company/careers): Careers — open roles across product, growth, and deployments in Hong Kong and APAC. - [Contact Us](https://yas.io/en/company/contact-us): Contact — enterprise enquiries; aim to reply within 48 hours on business days. - [FAQs](https://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://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://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://yas.io/en/compare#traditional-mga): Competitive positioning — YAS vs Palantir, Lemonade, and traditional telematics MGAs with dimension-by-dimension comparison tables. ## Developers - [Developers](https://yas.io/en/developers): Developers hub — start here for Events API, mobile SDK, and certified telematics integrations. - [Integrations](https://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 & SDK](https://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://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://yas.io/llms.txt) - [Read llms-full.txt](https://yas.io/llms-full.txt) ## Security & Legal - [Privacy Policy](https://yas.io/en/legal/privacy): Privacy Policy — how YAS handles personal data across the platform and enterprise integrations. - [Cookie Policy](https://yas.io/en/legal/cookies): Cookie Policy — cookies and similar technologies on the corporate site. - [Terms of Service](https://yas.io/en/legal/terms): Terms of Service — contractual terms for use of YAS products and services. - [Data Protection Addendum](https://yas.io/en/legal/dpa): Data Protection Addendum — supplementary GDPR-aligned terms for enterprise customers and integration partners. - [Trust & Safety](https://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://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://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://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://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://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://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://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://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://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://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://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://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://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://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://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://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://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://yas.io/en/company/careers): Careers — open roles across product, growth, and deployments in Hong Kong and APAC. - [growth-lead-apac](https://yas.io/en/company/careers/growth-lead-apac) - [operations-manager-deployments](https://yas.io/en/company/careers/operations-manager-deployments) - [senior-product-manager-yas](https://yas.io/en/company/careers/senior-product-manager-yas) - [Contact Us](https://yas.io/en/company/contact-us): Contact — enterprise enquiries; aim to reply within 48 hours on business days. - [FAQs](https://yas.io/en/company/faq): Enterprise FAQs — AURA decision-support role, integration paths, markets, data protection, and llms indexes. - [Industry Insights](https://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://yas.io/en/company/industry-insights/autonomous-fleets-shared-evidence) - [delivery-robots-curbside-data](https://yas.io/en/company/industry-insights/delivery-robots-curbside-data) - [humanoids-in-shared-spaces](https://yas.io/en/company/industry-insights/humanoids-in-shared-spaces) - [insurance-follows-the-machine](https://yas.io/en/company/industry-insights/insurance-follows-the-machine) - [machine-risk-operating-layer](https://yas.io/en/company/industry-insights/machine-risk-operating-layer) - [Partners](https://yas.io/en/company/partners): Partner programme — telematics integrators (Geotab, Samsara, Motive), robotics OEMs (Axonex, Rice Robotics), capacity carriers (Zurich, Generali, etiqa). - [Press](https://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://yas.io/en/company/press/joie-yas-smart-taxi-industry) - [timecare-blockchain-luxury-watch-insurance-launch](https://yas.io/en/company/press/timecare-blockchain-luxury-watch-insurance-launch) - [yas-amodo-autonomous-blockchain-insurance](https://yas.io/en/company/press/yas-amodo-autonomous-blockchain-insurance) - [yas-deloitte-2021-hong-kong-rising-star](https://yas.io/en/company/press/yas-deloitte-2021-hong-kong-rising-star) - [yas-zurich-axonex-robot-embedded-insurance](https://yas.io/en/company/press/yas-zurich-axonex-robot-embedded-insurance) - [zurich-yas-ai-powered-rewards-scheme-hk-taxis](https://yas.io/en/company/press/zurich-yas-ai-powered-rewards-scheme-hk-taxis) - [Roadmap](https://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://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://yas.io/en/compare): Competitive positioning — YAS vs Palantir, Lemonade, and traditional telematics MGAs with dimension-by-dimension comparison tables. - [Customers](https://yas.io/en/customers): Customer case studies — JOIE, Axonex, and other operators running live YAS deployments. - [aimo](https://yas.io/en/customers/aimo): 100 patrol robots, covered for the eight failure modes a normal policy won't touch. - [joie](https://yas.io/en/customers/joie): Hong Kong's first behaviour-based taxi fleet — 1,000 EV cabs scored live by YAS, priced on how each driver actually drives. - [Developers](https://yas.io/en/developers): Developers hub — start here for Events API, mobile SDK, and certified telematics integrations. - [Events API & SDK](https://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://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://yas.io/en/developers/sdk): iOS / Android SDK — lightweight telemetry collectors for operator apps and edge devices; private beta with selected fleet partners. - [Data Protection Addendum](https://yas.io/en/legal/dpa): Data Protection Addendum — supplementary GDPR-aligned terms for enterprise customers and integration partners. - [Privacy Policy](https://yas.io/en/legal/privacy): Privacy Policy — how YAS handles personal data across the platform and enterprise integrations. - [Terms of Service](https://yas.io/en/legal/terms): Terms of Service — contractual terms for use of YAS products and services. - [Trust & Safety](https://yas.io/en/legal/trust-and-safety): Trust & Safety — security controls, responsible AI, model governance; licensed insurer retains underwriting authority. - [Read llms-full.txt](https://yas.io/en/llms-full.txt) - [Read llms.txt](https://yas.io/en/llms.txt) - [YAS Protocol](https://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://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. - [EV & Commercial Fleets](https://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://yas.io/en/solutions/robotics): Robotics & humanoids — coverage workflows and embedded micro-insurance for robot deployments (Zurich × Axonex programme). - [Hong Kong](https://micro-insurance.yas.com.hk/) - [Malaysia](https://my.yas.io/) ## 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: Do we need to be technical to work with YAS?** A: No. Many customers start with a conversation — we handle integration scoping and connect you to the right path. Technical teams can use sandbox APIs and developer docs; operators and insurers can work through our partner programme. **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://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://yas.io/llms.txt) - [Sitemap](https://yas.io/sitemap.xml) - [Press RSS](https://yas.io/press/feed.xml) - [Industry insights RSS](https://yas.io/company/industry-insights/feed.xml)