UClaim

UClaim is an AI-agent-driven insurance claims platform that demonstrates how trustless execution can be embedded into agentic commerce workflows. In traditional insurance systems, claims processing is slow, manual, and opaque. Even when AI is introduced, most workflows still rely on human verification and post-hoc audits, resulting in delays, higher operational costs, and limited scalability. The core challenge is not just making decisions with AI, but executing those decisions safely, predictably, and in compliance with defined rules. UClaim introduces an agentic claims workflow where AI agents, powered by Gemini, ingest claim documents, extract relevant information, and reason over policy conditions to determine eligibility. These decisions are not treated as final authority. Instead, they are validated against deterministic, auditable policy rules that exist outside the model, ensuring transparency and control. Once all conditions are satisfied, UClaim triggers a conditional payout using Circle’s programmable payment infrastructure. The AI agent never has direct access to funds. Payment execution is guarded by explicit constraints, limits, and rule checks, ensuring funds are released only when eligibility criteria are met. This clear separation between intelligence and execution prevents over-delegation of financial authority to AI. Arc Blockchain is used to anchor claim decisions and execution state, providing verifiable records and auditability across the workflow. This enables insurers, regulators, and auditors to trace how a decision was made and how a payout was executed without relying on opaque internal systems. The current implementation is a proof-of-concept that demonstrates end-to-end claim verification, eligibility determination, and guarded payout execution. UClaim serves as a practical example of how agentic AI systems can safely participate in real financial workflows when paired with programmable payments and verifiable execution layers.