Zarv
Zarv Lens

Know exactly what happened.

From suspicion to evidence in minutes. AI checks the whole claim: photos, damage, police report, routes and the people involved.

The problem

The insured's story against the facts.

Without evidence, suspected fraud gets paid. Drag across the 72 hours before and after the event and see the declared version side by side with what the data shows.

Declared version Reconstructed route
-72h
Evidence

    ···

    Illustrative simulation.

    The whole claim

    Every piece of the claim, checked against the others.

    Photos, damage, police report, route and the people involved. Fraud usually lives in the gap between two of them.

    Zarv Lens · Claim analysis

    “Rear-ended at the crossing, at 7:30pm”

    • Claim photosanalyzing…
    • Damage × declared dynamics·
    • Police report·
    • Route over 72 hours·
    • People involved·
    ···

    Illustrative simulation.

    R$ 5.4B
    Addressable market
    34x
    Faster investigations
    85–93%
    Asset recovery rate
    80%
    Unprovable fraud

    From suspicion to proof.

    72-hour movement analysis.

    What happened, without a field adjuster

    What manual investigation takes weeks, Lens delivers in minutes. No field expert needed to prove the vehicle wasn't where the insured claimed.

    Analyzes vehicle movement 72h before and after the event. Route reconstructed with GPS, LPR cameras, cell towers, and behavioral data. Timeline: where it was, speed, stops, interactions. Detects inconsistencies between declared version and objective data.

    Reconstruction · 72h window
    −48hCam 04
    −06hCam 21
    EVENTdeclared
    Declared ≠ observed
    Thousands of cameras across Brazil.

    The “stolen” car the cameras saw

    If the insured says the car was stolen Monday night in Campinas, but cameras show it driving Tuesday in São Paulo — that's evidence. Not suspicion.

    Access to thousands of public and private license plate reader cameras. Historical query by plate and period. Correlation with theft and block records. Cloned vehicle identification. Photographic evidence with timestamp and location.

    LPR / OCR camera network
    CAM 01
    ABC1D23
    CAM 02
    ABC1D23
    CAM 03
    ABC1D23
    CAM 04
    ABC1D23
    Plate match · cloned?
    Patterns, not declarations.

    The fraud the official story hides

    Insurance fraud is sophisticated because fraudsters know the process. Lens uses behavioral patterns to detect what the official version hides.

    Cross-references historical behavior with the reported event. Suspicion score based on pre and post-event anomalies. Fraud patterns: arson, staged collision, simulated theft. Cross-check with claim history across insurers. Recidivism alerts.

    Behavioral fraud
    0.81
    arsonstaged crash
    recidivism cross-check
    Court-ready.

    Denials that hold up in court

    Denying a claim without evidence exposes the insurer to litigation. With Lens, the denial comes with a complete technical dossier.

    Technical report with chain of custody. Timestamped, traceable evidence by source. Documentation for judicial and administrative proceedings. Solid basis for claim denial.

    Legal-grade evidence
    sha256 · a1f2…
    sha256 · a1f2…
    sha256 · a1f2…
    Chain of custody
    Auto-trigger on suspicious claims.

    Suspicious claims investigated without a queue

    Manual process doesn't scale. Lens auto-triggers on suspicious claims so your team focuses on what matters.

    API integration with any claims management system. Auto-activation when suspicion score exceeds threshold. Claims dashboard with integrated investigation panel. Configurable SLA by claim type.

    Claims workflow
    claim
    suspicion> SLA
    Auto-trigger investigation

    In practice.

    Insurance

    Simulated theft — vehicle appears on cameras 3 days later

    Expert visits site 2 weeks later. Standard process. Claim likely paid.

    LPR cameras detect the vehicle 3 days after the alleged theft, near the insured's address. Reconstruction shows normal use. Fraud evidence in 48h. Claim denied with technical dossier.

    Insurance

    Staged collision — two vehicles with incompatible history

    Two vehicles report collision. Appear unrelated. Both claims paid.

    Historical movement shows both vehicles at the same location multiple times. Cross-check with Zarv ID: owners have indirect corporate link. Both denied.

    Credit & Lending

    Asset recovery — defaulted vehicle located via cameras

    Slow, expensive manual search. High non-recovery rate.

    LPR cameras locate the vehicle in a specific neighborhood with recurring pattern. Recovery team dispatched with precise location. Recovery rate: 85–93% vs. 45% market average.

    Proven results.

    1
    34x faster investigations

    Lens vs. manual investigation

    2
    85–93% asset recovery rate

    vs. 45% market average

    3
    Loss ratio permanently reduced

    Every denial with evidence reduces it forever

    4
    R$ 5.4B (~$1.1B) addressable market

    Only 20% of suspected claims are proven today

    Customer stories

    Proven at scale.

    TagProInsurer
    Auto Insurance (B2C)
    Zarv IDZarv SignalZarv Lens
    $6M
    in theft prevention saves in 2024
    85–93%
    vehicle recovery rate
    45%
    reduction in premiums lost to fraud
    How it worked
    1. 1New clients onboarded via Zarv ID (KYC + scoring)
    2. 2Portfolio monitored in real time via Zarv Signal
    3. 3Losses investigated via Zarv Lens with evidence generation
    Arval / BNP ParibasLeasing + Self-Insurance
    Corporate Fleet (B2B)
    Zarv SignalZarv Lens
    85%
    vehicle recovery rate
    18%
    reduction in fraud premiums
    Auto
    automated claims management
    How it worked
    1. 1Fleet monitored continuously via Zarv Signal
    2. 2Claims reconstructed automatically via Zarv Lens
    3. 3Zarv ID integration underway for new lessee onboarding
    Getting started

    Investigating on day 1. Integrated in minutes.

    Start from the investigation dashboard; automate when it makes sense.

    Day 1

    Investigation dashboard

    Your team opens the case and sees the reconstruction, with no integration to start.

    Minutes

    Automatic trigger

    Your claims system triggers Lens when the suspicion score crosses a threshold — in minutes with our ready-made prompts.

    Within 48h

    Case file ready

    A PDF report with time-stamped evidence and chain of custody, ready for court.

    72h
    reconstructed before and after
    Per claim
    no minimums
    Pilot
    on your historical claims
    Security and compliance
    See every control

    See risk before it costs you.

    GDPR & CCPA Compliant · No commitment · Live in minutes