# YAS

> Risk intelligence for the machine economy. YAS turns live telemetry from autonomous machines — EV fleets, robotaxis, robots, and humanoids — into legible, accountable risk signals that support licensed insurers' underwriting decisions across APAC.

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
- [YAS vs Palantir](https://yas.io/en/compare): Competitive positioning — YAS vs Palantir, Lemonade, and traditional telematics MGAs with dimension-by-dimension comparison tables.
- [YAS vs Lemonade](https://yas.io/en/compare): Competitive positioning — YAS vs Palantir, Lemonade, and traditional telematics MGAs with dimension-by-dimension comparison tables.
- [vs Traditional MGA](https://yas.io/en/compare): 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.

## Also on this site
- [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.
- [Customers](https://yas.io/en/customers): Customer case studies — JOIE, Axonex, and other operators running live YAS deployments.
- [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.
- [aimo](https://yas.io/en/customers/aimo): 100 patrol robots, covered for the eight failure modes a normal policy won't touch.
- [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).
- [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.
- [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.

## 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
- [Extended llms-full.txt](https://yas.io/llms-full.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)