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Smart Micro-Insurance for the Unbanked on Blockchain

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The Uninsured in Asia Needs help

There are more than 4 billion people in Asia and 60% of them do not have a bank account. Many more do not have basic insurance protection in life, property, accident and health.

With almost two-thirds of the vast population of Asia now using smartphones, SURETY is able to offer Micro-Insurance products on the blockchain to the unbanked and uninsured.

We are in talks with strategic partners such as Banks, Telecos, Convenience Stores etc. in Asia to offer top-up and credit facilities to allow the unbanked and uninsured to purchase Micro-Insurances with SURETY (SURE) Tokens.


SURETY.AI connects the uninsured population with insures, payment providers and banks to provide a frictionless experience for insurance purchase and claims management using Artificial Intelligence (A.I.) bots. With SURE Tokens, insurance policies and claim transactions can be stored on our chain, benefiting the unbanked and other participants of the ecosystem.

Get Rewards

Consumers get tokens as rewards for purchasing insurance products. These reward tokens can be spent at other ecosystem partners such departmental stores.

No Claim Discount

Consumers get tokens for no-claims-discount (NCD) on their insurance purchases from our insurance partners.

Policy Purchase

Insurance policies are stored on tokens and it is proof of insurance during claim. As these are immutable contracts, it fosters trust and security among insurer, re-insurer and the insured.

Claim Management

Unbanked consumers can use tokens to access their data for policy payment and claim information. This information form their credit history to gain access to financial services like loans from banks.

Fraud Prevention

Insurers use tokens to store claims data to avoid duplicate claims and insurance fraud. Blockchain’s immutable recording system can help insurers avoid claims leakage and lower loss ratio. In this way, premiums for micro insurances can be even lower for the unbanked population.

Data Access

Insurance actuaries use tokens to access aggregated data for policy payment and claim information for pricing and pricing analysis. Insurers can even offer tokens to purchase data to train their A.I. bots.

The Opportunity

SURETY.AI has been used by many leading insurers in Asia and was the first A.I. insurance chatbot in Singapore. With a committed subscription of more than USD5 million to date, SURETY.AI has been experiencing fast month-on-month growth since its launch in mid-2017.


With our network throughout Asia, SURETY.AI is able to roll out micro-insurance products and services to the huge market of uninsured and unbanked population.


With a young and mobile population in Asia, SURETY is positioned to bring enormous benefits to the tech savvy consumers.


The SURETY.AI platform also benefit from our proprietary technology and patent-pending method of “PROVIDING AN INDICATION OF THE WELL-BEING OF AN INDIVIDUAL”. This patent was filed in October 2014 and has received approval under Patent Cooperation Treaty (PCT) system (PCT APPLICATION NO. PCT/SG2015/050391). National patents have also been filed and awaiting approvals in the United States of America, Republic of China, Hong Kong and Singapore. It is expected that the official approval of our patent will protect our intellectual property and allow SURETY.AI to scale our technology throughout major global markets.

SURETY Wallet & SURE Token

Store, spend and receive tokens easily and securely

  • 01

    Top-up with cash and credit cards with our payment partners and store SURE Tokens in the wallets

  • 02

    Use SURE Tokens to purchase micro-insurance products and services

  • 03

    Consumers receive rewards and insurance pay-outs, while insurers receive proceeds of insurance sales in the form of SURE Tokens

  • 01

    When unused, SURE Token can be stored in their SURETY wallets.

  • 02

    Customers can use SURE Token to purchase personal insurances while companies can purchase group insurances and distribute insurance payouts using SURE Token.

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    Customers may receive insurance payouts and insurers receive proceeds of insurance sales in form of SURE Token

Token Details

SURE Token is a utility token. The token is an integral part of the SURETY.AI ecosystem and can be used as a means of internal payment or to get access to insurance's services for the unbanked and uninsured. SURE token holds the smart contract of the transactions and activities between the insurers and the insurees.

Total Private Sale
Total Public Sale
Adjustable 100% Pre-mined
Any unsold tokens during the
Token distribution will be burned
Token type
Total Supply
(Token Distribution)

  • 20%
    Private Sale
  • 20%
    Public Sale
  • 30%
    Reserve Fund
  • 10%
    Founding Team
  • 20%
    Early Supporters
Use of Funds

We're committed to taking ethics and transparency very seriously

Read the Whitepaper
  • 33%
    Product Development
  • 10%
    Liquidity Pool
  • 15%
    Operating Expenses
  • 20%
  • 5%
    Legal & Finance
  • 17%
    Research & Development Roadmap Team

The team is diverse, passionate and driven for success. SURETY.AI is revenue generating and we have established offices in Thailand, Indonesia and Vietnam. The team is growing!

Keith Lim
Keith Lim

Chief Executive Officer

Keith Lim is the founder and CEO of two private companies, and a MNC corporate leader with more than 15 years of management experiences.

In 2012, Keith co-founded Mezzofy, which was a fast growing mobile payment platform in Asia with strategic partnerships with Alipay China and Bank Mandiri Indonesia. Mezzofy was subsequently acquired by a global leader in coupon management.

Following Thoughts Igniter, Keith founded Hearti Lab. Hearti is an Artificial Intelligent and Blockchain platform for insurance companies. With Hearti, insurance companies are able to offer innovative products, 24/7 customer service chatbots, efficient claims management, smart fraud detection and seamless payments.

Previously, Keith was the Managing Director with Moody’s Analytics, a subsidiary of Moody’s Inc which employs approximately 9,500 people worldwide. Keith was responsible for the company’s behaviour modelling and analytics software business in Asia Pacific region. Keith also authors articles for major technology news channels in Asia.

Pimchaya (DA)
Pimchaya (DA)

Country Manager, Thailand

Pimchaya was the COO & EVP of Atos Origin and associate partner in IBM. With over 25 years of experiences in business development and client management in banking, finance and insurance. Pimchaya has successfully built large project in payment industry and expand Thailand team to more than 250 people.

Kenneth Tan
Kenneth Tan

Chief Operating Officer

Kenneth co-founded Hearti in 2015 and is currently the Chief Operating Officer, leading business development and marketing for the business. Hearti's two integrated platforms, BENEFIT.X & SURETY.AI, are designed to appeal to benefits providers and insurers/financial advisors. Hearti partners with major insurers and wellness merchants to offer insurances and rewards to employees through blockchain technology.

Prior to co-founding Hearti, Kenneth was an accomplished sales and digital strategist. With a strong understanding of the online media, his expertise lies in driving successful digital marketing campaigns for his clients using growth hacking tactics. Kenneth also adds to his belt extensive internship experiences in sales, operation and research where he led key initiatives for companies such as Moody's Analytics.

Kenneth holds a Bachelors in Information Systems with a second major in Marketing from Singapore Management University(SMU).

Jinson Xu
Jinson Xu

Chief Technology Officer

Jinson is the Chief Technology Officer at Hearti where he leads the technology and data science initiatives. Jinson is a full stack developer, and has six years of experience in machine learning and distributed computing, with a focus on anomaly detection in procurement and cyber security domains.

Before joining Hearti, Jinson worked as the lead/senior data scientist at consulting firms such as Accenture and KPMG where he specialised in AI and analytics asset development. He began his career as a data analyst at Defence Science & Technology Agency (DSTA) where he participated and led various data mining projects in the procurement, training, HR, and education domains.

Jinson holds a Masters in Knowledge Engineering from NUS with a specialisation in Analytics and Artificial Intelligence. He also graduated with a Bachelors in Information Systems with a second major in Business Intelligence & Analytics.

Ethan Brown
Ethan Brown

Community Manager

Ethan is soon to graduate from the University of Melbourne with a Bachelor of Arts. He has maintained a standard of excellence through his degree, and will graduate with a major in psychology and a minor in history.

The degree has equipped him with skills in data analysis, critical thinking, written/verbal communication and a strong work ethic. He hopes to apply his skills and knowledge as well as continue to learn in an industry setting.

Ethan has held a range of part-time positions including bartending in the fast-paced environment of Melbourne Cricket Ground events and umpiring senior indoor cricket competitions. Furthermore, he worked in a small team of scrutineers during the 2016 Australian General Election.

In his spare time, he enjoys making Electronic Dance Music and has independently released music since 2012, growing his skills and sound throughout these years. This has given him long experience and comfort with the creative process, and he hopes to continue to grow and develop his creative skills.

While he was born in Australia and has resided there since 2012, Ethan spent most of his childhood in Singapore. Furthermore, he is well travelled in Asia and Europe. These combined have provided him extensive multi-cultural experience and a global worldview.

Giap Tran
Giap Tran

Country Manager, Vietnam

Giap Tran is an experienced technical lead with a demonstrated history of working in the human resources industry. Skilled in Mobile Application Development, Object-Oriented Programming (OOP), SQL, Java, and Artificial Intelligence. Strong engineering professional with an Engineer's degree focused in Computer Software Engineering from Danang University of Technology.

Giap can be counted on to lead and execute the strategy for partner management, developer relations, developer marketing, technical presentations/training, and developer community building.

Benny Jioe
Benny Jioe

Country Manager, Indonesia

Benny was the co-founder of PT. Okapito Teknologi Indonesia, an IT Solution & Consultancy firm specialising in Human Resource Information System, System Automation and Application Services.

Previously, Benny was the Project Manager with BNP Paribas Wealth Management Asia. Benny was responsible for managing regional Front to Back strategic, change management, process re-engineering and business development projects across Asia.

Claire Chen
Claire Chen

Business Analyst

Advisory Team

Our advisors are industry leaders and experts in blockchain, crypto tokens, insurance, artificial intelligence, tech-entrepreneurship, cybersecurity and financial markets

Phang Yew Kiat
Phang Yew Kiat

Chairman of United Nations ESCAP
Business Advisory Council Task Force on Digital Economy
Founding Executive Director of Global Blockchain Business Council (GBBC).

International Digital Economy Advisor
Chia Hock Lai
Chia Hock Lai

President, Singapore FinTech Association

InsurTech Advisor
Chia Hock Lai
Anson Zeall

Chairman of ACCESS, Singapore’s Cryptocurrency and Blockchain Industry Association
Co-founder, CEO/CTO of CoinPip
Fellow, Singapore University of Social Sciences

Cryptocurrency Advisor
Peter Brown
Andras Kristof

CTO at Yojee, Blockchain and smart contract specialist. Lecturer

Blockchain/Smart Contract Advisor
Nizam Ismail
Nizam Ismail

Co-Founder at RHT Compliance Solutions
Partner and Head of Financial Services at RHTLaw Taylor Wessing

Legal Advisor
Peter Brown
Peter Brown

Principle of Karios Management Consulting

Finance Advisor
Kevin Pang
Kevin Pang

FinTech Startups Mentor, Technologist, Lecturer, Entrepreneur in Residence

FinTech Advisor
Karen New
Karen New

Entrepreneur, Author, Speaker, ICO Advisor and Influencer

FinTech Advisor
Our Media Coverage
SURE Tokens

SURETY just grew from strength to strength with the addition of two blockchain heavy-weights as the latest key investors and expert advisors to our board.

SURE Tokens

Mr Keith Lim, Founder and CEO of Hearti with Ms Josephine Teo, Minister, Prime Minister's Office & Second Minister for Manpower & Second Minister for Home Affairs

SURE Tokens

Hearti is excited to have Singapore’s Deputy Prime Minister, Mr. Tharman Shanmugaratnam to visit our booth at the SG FinTech Festival 2017. We look forward to bring our Artificial Intelligence chatbot to insurers globally!

SURE Tokens

Keith Lim had just sold off his first start-up, a mobile payments platform, following a five-year stint with Moody’s Analytics’ Singapore, and was left with a lot of free time. He was thinking of what to do next when tragedy struck his family.