Oct 21, 2026 · All
RateIQ in every persona's navigation
RateIQ benchmark entry added to each persona's nav; dark-panel heading contrast fixed
Sidebar → RateIQ (all personas)Newest first. Filter by who it's for; every card shows where it lives in VIP.
RateIQ benchmark entry added to each persona's nav; dark-panel heading contrast fixed
Sidebar → RateIQ (all personas)CAT Readiness Center reachable from the sidebar, mobile More sheet and home tile; SP members without access see an in-app notice
Provider app → Operations → CAT Readiness; /provider/cat-readiness; Dashboard → RateIQ module tilePersona-aware sign-in and pages; vendor-managed staff, re-linking across carriers, shared credentials; Firm Pro / Provider Plus plans; tenant features vendor_network, vendor_staff, vendor_credentials
VIP NetworkSource-backed vendor invoices with findings, claim-field sources, manager decisions, payment receipts; BAP/local pricing rules; vendor invoicing persona and create-on-behalf; aging, scorecard and coverage reports
Claims Command → Invoice Operations → Vendor invoices; Carrier setup → Vendor invoicing settingsClaims Command theme tokens and VIP branding applied across VIP; navy hero, tinted panels and KPI tiles; inline Ask Benny with evidence footer and the role's benchmark tool tiles (Fee Analyzer, Market Intelligence, VIP Quoting, Pulse, Benchmark Coverage)
Dashboard → RateIQ module (carrier, provider, employee home)Partners browse resources by growth goal; the same record carries the rep's talk track; opens recorded per account with engagement timeline and report; employee Internal section
/resources; /blueprint; Dashboard → Resource CenterBuild and finalize a CSV/Excel handoff of released invoices; record or upload AP payments; Billed / Approved / Paid basis switch on spend, budgets and coverage; firm panel/compliance status, masked tax ID and AP vendor ID with required reason
Claims Command → Legal e-billing → Payment handoff; Vendors → Firm profile → Status and APDeadlines auto-created on acceptance (templates in Carrier setup), mark done / waive / add; one page of mediations, trials, depositions and deadlines by adjuster with Excel; legacy expenses tagged to matters
Claims Command → Matters → Intake → Deadlines; Matters → Supervisor viewOne vendor identity across carriers; carrier invites a named person; law firms ride the e-billing rail, other vendors the Invoice Operations rail
VIP Network vendor portalBudget requested on acceptance; firm submits fees/phases; manager approves or requests revision; consumption alerts; close-out accuracy
Claims Command → Matters → Budgets; Legal e-billing → Budgets; Reporting → Budget vs actualFirms appeal applied adjustments inside the window; Mailroom lists appeals and responses; Upheld / Partial / Restored decisions record outcome version 2
Claims Command → Legal e-billing → MailroomWork queue ordered by review signal; claim panel with source-linked findings decided Accept / Modify / Reject / Defer with recorded reasons; counsel shortlist → Claim Room with typed requests only
Carrier app → Claims & vendor work → Claims Command → VIP OperateCarrier profile and claims-system registry; modules Off / Trial / On with reasons and history; onboarding checklist; Carrier decisions tab with governed answers, history and tax-ID redaction
Claims Command → Carrier setupSelf-serve, Assisted or Full tiers; pooled auditors, SLA, QA sampling, monthly service ledger with CSV
Claims Command → Legal e-billing → Service tier / QA / Service ledgerSubmission queue (Must fix / Should fix / Ready), tracking numbers, automated-review routing, review queue, reviewer adjustments with reason codes, manager Release with outcome document; amounts shown in dollars; add by invoice number, Set matter and synthetic demo samples
Claims Command → Legal e-billingVersioned guideline profiles (billing cycle, limits, windows) with lexicons; attorney rate cards, matter rate locks and negotiation history; rules suggest full, re-rated or unit-capped reductions, never auto-applied
Claims Command → Policies & RatesWhat's new by date, per-section guides with click paths, glossary, search, "How this works" deep links
Claims Command → HelpOne claim's legal spend: totals, spend by type, every invoice, Excel export; LAE sample claim
Claims Command → Claim spendDrop a LEDES 1998B/2000 file on a claim; it opens in the queue line by line with findings
Claims Command → Invoice Queue → Upload LEDES invoiceImport legal billing exports, map columns once, see every line, firm and timekeeper, link to the directory by Tax ID; run findings on billing lines and compare auditor cuts with flagged and possible missed amounts with Excel report; read-only
Claims Command → Legal spend → Imports / Lines / Links / Findings / CoverageFindings decided one by one with kept history; vague-entry classifier; next invoice number suggested; governed invoice creation with server-enforced roles
Claims Command → Invoice Queue → Findings; Invoice Operations → Create invoiceThe same bill line cannot be submitted twice; rejection names every duplicate line; legal invoices held until the law firm is explicitly linked to the carrier
Claims Command → Invoice QueueNamed counsel invited by token and verified before entering a Claim Room; Claims Command governance
/legal-iq/counsel/invite/:tokenFirms propose attorneys, carrier approves on verified license; credential slots with expiry alerts; ambiguity zeroing, approval basis, license correction and alerts
Claims Command → Vendors → Firm profileFree workforce tier with upgrade path; organization team access; master password enforcement
Provider app → Workforce → Provision AdjustersSent/incoming requests, active deployments, open opportunities, available capacity, firm verification and VIP review desk
/network/work-sharing; /provider/work-sharingCarrier-only authority, typed operational chat and private documents in rooms; participant access bound to room membership
Claims Command → Claim Rooms / Matter roomsClaims and complaint facts become structured litigation matters with court events and damage buckets; create matter with claim picker, Assign/Reassign firm with reason, counsel Accept/Decline
Claims Command → MattersClaim matters with counsel policy; claim-to-counsel workflow expanded
Carrier app → Claims Command → Find CounselVersioned carrier referral evidence checklists, governed counsel performance reporting, automatic verification schedules, claim workload authority, evidence-linked Demand360 incoming/outgoing review with cited sources
Carrier app → Claims Command → Governance & Retention / Value LedgerEach carrier gets its own database, storage and identity app; verified session tokens, membership-bound routes, executive roster, audited named-user provisioning, S3-compatible evidence storage, carrier-specific frontend; CSP/Permissions-Policy and COEP headers
VIP Claims Command (standalone deployment)Contract benchmark data; privacy-safe CAT hourly and tiered contract cohort comparisons
Carrier app → SmartContracts; Provider app → SmartContractsEvidence-led intake review, accountable routing, claim mix and evidence completeness, source custody and revision history; entry module, matter budget and engagement invoice panels
Carrier app → Claims Command → Claim Intake & Triage / Claims Portfolio / Evidence ReviewClaims Command theme, dedicated login and internal legal dashboard; grouped sidebar; privacy-safe tracking of carrier feature adoption and outcomes
Carrier app sidebar (Overview / Rate intelligence / Claims & vendor work / Resource Center / Support / Administration); /admin/benny-adoptionGoverned external connectivity, scheduled health verification, admin re-verification, failure review and replay, intake provenance labels; vendor operations tied to confirmed claim outcomes
Carrier app → Claims Command → Connected SystemsDiscovery gated on verified partner-controlled firm profiles; interest-to-selection handoff; engagement rooms; counsel workspace with source evidence excerpts and claim-matter command center
/network/law-firms; /legal-iq/engagements/:id/roomCounsel pages, command center component, governed Stripe payments for engagements, auditable decision quality, signed pilot result substantiation; spend reporting and audited finding corrections
/legal-iq/counsel; /legal-spend-iqCarrier risk and capacity view for mitigation; private readiness assessment for restoration providers with verified readiness intelligence; public CAT readiness and Legal Spend campaign page
Carrier app → Mitigation Command Center; /network/cat-readiness (SP admins)Auditable coverage report, privacy-safe history and trends, secure expiring report invitations and contributor tokens; illustrative property/legal rates replaced with approved observed evidence
/benchmark-coverage; /benchmark-coverage/share/:tokenEvidence in verified private object storage; automated retention with legal holds; PDF inspection, request limits and hardened imports (09-03/04)
/claimscanFee schedule modeling with CSV export, tenant-scoped saved scenarios with comparison and provenance, private firm cost assumptions, imported fee tiers
Carrier app → RateIQ → Fee Analyzer; /fee-analyzerFirms see and improve the trust signals carriers see; read-only HMAC share link with mint/copy/revoke; week-over-week sparkline; score history on profiles, share-view tracking and printable PDF
/network → My Pulse; /pulse-share/:orgId/:tokenTrade picker on signup; claim a legacy network profile via verification-gated request with close-match suggestions
/wallet signupUnclaimed Invision vendor prospects as aggregate-only cards; AI-assisted company-type classification with admin review; prospect filtering by taxonomy
/network directoryOne free custom question per day, then work email required; carrier Success Summary starter chips
/embed/benny; public teaserSuccess summaries in Benny answers and search; PDF parse with AI extraction and admin review; sanitized public Proven Results API; workflow page
/admin/success-summaries; /workflows/success-summary; /results; Ask BennyUS map of licensed adjusters by state with role filters; manual/NIPR license verification, FL conflict flags, expiry reminders; adjusters self-report role and team-lead willingness
Provider app → Workforce → Roster MapEvery answer carries sample size, states, period, source, confidence; rate/fee questions get cost/operational/risk impact and a next action; "Explore in rateIQ" feature recommendation cards
Ask BennyInvited 1099s' CAT test status and scores, one-click reminders, CAT-invited adjusters deep-linked to the test; roster signal in the firm readiness summary shown to carriers
Provider app → Workforce → Workforce IntelligenceFirm readiness test, deployment exercise, AI-scored Mock Claim Exercise, opt-in publish of score to carriers; readiness badge and filters on the Capacity Marketplace surge board; service-provider test with SP modules; roster fill-check vs a capacity posting (08-03/04)
/network/cat-readiness; /network → CapacityDiagnoses a carrier account's health with a success summary report
/carrier-healthStaff launch survey rounds with optional notification; AI clusters open-ended answers; feature placement survey; survey gate with snooze
Header → Give feedback; /admin/survey-results; /feature-placementProcurement command center and dashboard for vendor buying; SLA benchmarks and procurement resources
/procurement-iqAdjuster submits with carrier dropdown; carrier marks ready for payment; multi-stage approval; early-pay pending state; /demo/invision walkthrough
IQ Wallet → Submit invoice; Carrier app → Invision ApprovalsWhat the firm's book is worth at market rates: current vs proposed revenue and margin by client and state, renewal dates
/profit-iq; Provider appFive persona views (group, large carrier, SMB carrier, IA firm, defense firm) of the legal spend dashboard
/legal-spend-iq → persona pickerParent-org roll-up across member carriers (Tokio Marine Group), expense-focused
/group-dashboard; profile menu → Group dashboardClick-to-login links for users behind corporate proxies; reusable team links for org access accounts
LoginRisk-based early settlement tiers on live Stripe payouts, rollout allowlist, consent recording, shareable workflow screen, firm legal-terms sign-off gate and lifecycle notifications
Provider app → IQ Exchange™; IQ Wallet; /workflow/early-payFee-schedule benchmarking with payer/biller toggle, sources and methodology; insights tied into Ask Benny and IME tools; Tier Structure benchmark vs market gross-loss tiers
Carrier app → Market Intelligence; /market-intelCarrier-contract renewal prep with market-grounded ask ranges
/renewal-iqContent library feeding Benny recommendations; opt-in aggregate data with cycle-time comparison; app-store catalog; agents with two-sided human approval; AI concierge partner matching
/network → Knowledge / Data / Apps / Agents / ConciergePrompt Pay offers wired to the real funding engine; "My offers" for funders; "Request this capital" on capital offers
/network → Prompt Pay / CapitalRegistry-driven layer hub; service requests with provider/ops notifications and header unread badge; live load board with ranked matching and match pushes; companies edit profile, upload logo, toggle Prompt Pay; reverse-auction bidding with one bid per org
/networkMarketplace visible in every persona's nav with natural-language Benny search; Benny Glass Search on dashboards
Marketplace; persona dashboardsSigned embed tokens let Invision iframe VIP widgets; connectivity check tools
/embed/pulse; /embed/bennyReview legal invoices and outside-counsel costs; added as carrier tool card + tab; fee schedule comparison and legal benchmarking
Carrier app → Claims Command; /legal-spend-iqDashboards driven by the partner's own invoices/compensation (Pacesetter 06-10, Allied and Pilot 06-25)
Provider app → VIP Pulse™Feed-integrity monitoring on per-org data
/data-health; /admin/data-healthSpeak-to-ask and spoken replies
Ask BennyFour earn-more features made actionable; finance resources; QuickBooks sync gated to premium
IQ Wallet → ResourcesCatastrophe billing/surge report with locked teaser for unauthorized users
Carrier app → CAT Billing ReportOnboarding videos, training and certifications
/academyFirms submit receivables, investors fund them ("My funded receivables" 06-14), cross-firm benchmark engine, branded M&A diligence PDF
/capital-markets → ExchangeCapital Readiness Score from real data, Institutional Profile Data Room, Investor Deal Screening, saved screens
/capital-markets; Provider app → Capital MarketsBank-style firm picker replaces the dropdown; tap a firm to drill into receivables
IQ Wallet → DashboardCohort self-serve checkout; wallet free/pro/premium/VIP and carrier/IA firm tiers
/rateiq/payment; /wallet/pricing"Prompt Pay" replaces "Factoring" product-wide; Prompt Pay button on receivables, locked AR for free tier, "$X available to Early Pay Discount" teasers on prospect firms, free-tier firm gating
IQ Wallet → Get Paid / UpgradeShop Pulse, quick quote, AR/Prompt Pay, WIP tracker, Ask Benny (Auto)
/shopCCC ONE live data feed, carrier admin connection UI, data-source provenance on widgets, labor-rate and cycle-time intelligence
/cccFinancial recovery narrative widget with $600K case study (tenant/persona restricted)
Dashboards; /case-studies/recovery-intelligenceValidated marketplace profiles for IA firms and service providers (Itel pilot); owner/public trust-standard views with VIP intelligence rating
Marketplace → company profile; /network/company/:orgIdStaffing gap view from imported claim data; incoming carrier pay vs outgoing adjuster pay
Provider app → Workforce → Workforce Intelligence; IQ Exchange™Projects next quarter's vendor/claim spend
Carrier app → Expense ForecastFirms invite and provision adjuster wallets under their brand; copyable invite links; tier ladder
Provider app → Workforce → Provision AdjustersPersona-specific agents propose actions (collections, firm matching, vendor scoring, funding review, sales, compliance) with human approval; Customer Health agent for upgrade/retention scoring
/admin/agents; persona appsIME/medical providers activated as a marketplace category with fee-split benchmarks
/vip-connectUrgent invoices first, recent activity feed, drag-to-reorder/hide widgets saved per user; Pulse-first first-visit landing and mobile pill nav
IQ Wallet → Dashboard; IQ Wallet → Pulse™Bank onboarding and secure payouts; full Stripe payment history with CSV export; audited export log with replay
IQ Wallet → Payout method; Capital Desk → Payment history; Admin → ComplianceLive quote as the adjuster chooses an advance amount; payout method selection (ACH, Zelle, other) per request
IQ Wallet → Prompt PayShows where the carrier's schedule sits across its state footprint and how fees moved year over year; market comparisons switched to real benchmark data with claim value breakdown
Carrier app → RateIQ → Fee AnalyzerAssistant knows the carrier's own data, role and persona; PII scrubbed from AI calls with redaction tags (05-23, 06-15); plots the carrier's own rate vs market low/avg/high
Carrier app → Ask BennyOperational KPIs from the carrier's real claims/invoice data (GUARD flagship)
Carrier app → Live PulsePublic white-label multi-step recruiting form feeding the firm's roster
/recruit/:slug; /apply/:slugContent filtered by persona (carrier / wallet / provider), IA firm growth playbook, roadmap in Help Center; Help Center in main header
/resources; dashboard → Resource CenterUsers submit categorized feedback; admins view, filter, import and respond (responses visible to users 04-22)
Carrier/Provider app → Advisory Feedback; /feedback; Admin feedback panelCarrier, provider/advisor and 1099 wallet users get different onboarding; app blocked until completed (simplified 06-21)
Login → onboardingReal-time catastrophe pricing intelligence and interactive fee-schedule comparison; All States filter; RateIQ tools consolidated into one tab with sub-tabs; CAT Surge "Your Position" deviation view
Carrier app → RateIQ sub-tabs; Provider app → RateIQOther firms' claims/invoices no longer leak across tenants; company-level data anonymized cross-tenant; AI-visible PII redacted; capital-controls authorization fix
Platform (all dashboards, AI)Premium/white-label adjusters can take instant payment on approved invoices
IQ WalletRole/org/user permission layers decide which modules and dashboards each tenant sees
Admin → Organizations → Add-onsEach client org gets its own logo, colors, tagline, admin user and HTML invite email; tenant branding on login screens and headers
Admin → Organizations; login and app headerFirms submit invoices for advance funding; funders review and approve requests; demo claims seeded in Advance Funds
Provider app → Capital Desk™