# 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.

Having the data is easy. Making risk legible and usable is the work.

Applied across EV fleets, robotaxi, patrol robots, drones, humanoids, delivery & logistics, and more.

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
- [How it works](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; 24.3M km+ scored; AURA scores every journey — licensed insurer prices off the signal.
- **In progress:** TiN TiN RoboTaxi with YAS × JOIE — AV licence application submitted; 24M 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
- [How it works](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/platform): YAS Protocol — how live telemetry becomes governed machine-risk signals: ingest, ODD context, AURA scoring, cryptographic provenance, and insurer-facing governance.
- [Data Context Annotation](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.
- [Scoring Model](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.
- [Product views](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.
- [Cryptographic provenance](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.
- [In production](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
- [Solutions overview](https://yas.io/en/solutions): Buyer paths and operating contexts
- [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 24M km+ scored in production.
- [Robotaxi & AV](https://yas.io/en/solutions/robotaxi): Risk scored for autonomous fleets
- [Security robots](https://yas.io/en/solutions/security-robots): Patrol robots with live risk evidence
- [Drones](https://yas.io/en/solutions/drones): Commercial drone flight risk
- [Humanoids](https://yas.io/en/solutions/humanoids): Indoor service humanoids
- [Delivery & logistics](https://yas.io/en/solutions/logistics): Docks, yards, and indoor delivery
- [Customers](https://yas.io/en/customers): Customer case studies — JOIE, Axonex, and other operators running live YAS deployments.

## 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.
- [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)