A very limited release

CHAAC

The future, with reason.

An exclusive, closed, private AI, built by daryxlabs in conjunction with InsurEco and other leaders in the insurance industry.

Engraving of Chaac, the Maya rain god, in a feathered headdress atop the Pyramid of the Magician at Uxmal, raising a lightning axe as storm clouds and lightning gather overhead.
TransparentIt shows its reasoning and its plan before it acts. You can change the plan, approve it, and read every step afterwards.
FencedEach organization's data stays inside its own fence. Anything that binds, pays or signs stops and waits for a person.
Three platforms of one temple, after the Pyramid of the Magician at Uxmal: Chaac, the AI, at the top, entered through a Chaac-mask doorway; Jefferson, the context engine, in the middle; the models at the base. The temple stands on PolicyBlockchain: market, submission, policy, insured and agency data. MARKET SUBMISSIONS POLICIES INSUREDS AGENCIES GROUNDED IN POLICYBLOCKCHAIN III · THE BASE THE MODELS What runs beneath Chaac. FRONTIER · LOCAL · INTERCHANGEABLE II · THE CONTEXT JEFFERSON What it knows about you. THE CONTEXT ENGINE · JCI CONTEXT · ONLY WHAT IT NEEDS I · THE AI CHAAC What reasons and acts.

Tap a tier to read about it, or replay the question.

I

Chaac — the AI

What reasons and acts. It plans a piece of work, shows you the plan, and carries it out inside the fence you set.

II

Jefferson — context

What it knows about you. JCI holds your organization's knowledge graph and hands Chaac only what a question needs.

III

The models — the base

What runs beneath. Frontier and local models, routed by difficulty: small questions to small models, hard ones to large.

Engraved Puuc stone frieze: a repeating row of Chaac rain-god masks with long hooked noses, square eyes and round earflares, separated by X-lattice panels.
The ground it stands on · PolicyBlockchain

Better by design.

Chaac draws on PolicyBlockchain, a decentralized insurance data chain that brings loss, weather, form, referral and market data together in one secure chain. The data is already there. The insurance smarts are already dialed in.

Engraving of carved Maya stone stelae and blocks, each bearing stepped-fret and lattice relief, joined by heavy stone chain links and receding across a night plain.
MARKET SUBMISSIONS POLICIES INSUREDS AGENCIES ONE SECURE CHAIN
The road, not the manual

Millions of miles, not a handbook.

Picture a car that drives better because it has learned from millions of miles on real roads, rather than from reading the owner's manual.

A general-purpose AI has read the manual. Chaac is grounded in the road: the losses, the storms, the forms, the referrals and the market, all in one secure chain, with the insurance smarts to read them.

Built to be more accurate and more efficient on insurance work than a general-purpose AI. That is the design intent. The chain below is what it stands on.
Chain activity As of .
Carved medallion: three stone blocks joined by chain links. Events on chain 175,079 hash-linked events since April 2026
Carved medallion: a balance scale with goods in both pans, in a small market plaza. Market 595,528 quote indications
Carved medallion: one hand passing a small carved glyph stone to another. Submissions 121,202 risks submitted
Carved medallion: a folded Maya screen-fold codex, partly opened. Policies 100,748 policy records
Carved medallion: a ring of thatched Maya houses around a central plaza. Insureds 62,520 insured entities
Carved medallion: an agent seated before the doorway of a thatched Maya house, holding a folded document. Agencies 7,596 agencies in the registry
Carved medallion: a stela bearing a round seal, standing before a colonnaded hall, a house of issue. Carriers 1,618 carriers and companies · 245 programs
How it behaves

Transparent. And fenced.

An AI you can see into, working inside walls you drew. Those two things together are what make it fit for insurance.

Engraving of a tall carved Maya stela whose face is a column of linked boxed registers, each holding an abstract carved glyph, like the steps of a plan, inside a stepped-fret border.

Transparent

Before Chaac acts, it shows you the plan: the steps it intends to take, the questions it has for you, and what the work will cost.

  • You can change the plan before anything runs.
  • Nothing runs until you approve it.
  • Every step is recorded: what was asked, what was decided, what was done.
Engraving of a tall carved Maya stela showing a walled courtyard with a closed lattice gate and a small temple safely enclosed inside, within a lattice border.

Fenced

Chaac works within boundaries your organization sets: which data it may read, which actions it may take, and whose records it may touch.

  • Your data is scoped to your organization.
  • Anything that binds, pays or signs waits for a person.
  • Logins are used from a locker, never seen by the AI.
What it knows

He commands the weather.
So he knows what it costs.

Chaac is the Maya god of rain and lightning. Ours is an AI, and more modest: it cannot call off a storm. But it speaks the language of the people who price, place and carry the risk.

He is the rain god. Of course he knows the perils.

Engraving of a hurricane's spiral bands and a tornado funnel over a flat plain, palms bending beside a small Maya temple with a lattice frieze.

Wind

Hurricane · tornado · convective storm

Hurricane is weighed by its PML at the 1-in-100 and 1-in-250 return periods. Tornado and convective storm are secondary perils that build up in the aggregate.

Engraving of heavy rain and a storm-surge wave rolling in over flooded lowland toward a stepped Maya platform with a stepped-fret frieze.

Rain & flood

Storm surge · inland flood

Surge travels with a named storm, but most property forms treat it as flood: excluded, sublimited, or written on its own.

Engraving of hailstones falling from a towering anvil cloud onto a Maya Puuc building with lattice panels, stones littering the ground.

Hail

Secondary peril

Rarely the 1-in-100 headline, often the steady drain on the annual aggregate. Roof age and the wind and hail deductible decide much of the loss.

Engraving of a lightning bolt over a forest where a wildfire front spreads, smoke rising beyond a stepped Maya temple.

Fire

Wildfire · lightning

He carries the lightning axe, so this one is personal. Wildfire accumulations are managed zone by zone, and parametric triggers are one way to place them.

Engraving of snow and icicles coating the stepped-fret frieze and colonnettes of a Maya Puuc facade.

Freeze

Winter storm · freeze

Frozen pipes and roof collapse arrive together across a region, which is why occurrence definitions and hours clauses matter.

Beyond the storm

Catastrophe. Captives. Capacity.

Etched icon: a stone tablet carved with a loss curve that falls steeply and trails off in a long tail.

Catastrophe loss

Modelled and actual. The curve, the tail, and how the tail gets paid for.

Etched icon: a honeycomb of seven hexagonal stone cells, each walled off from the others.

Captives

Who owns the risk, and how it is fronted, ceded, cell by cell, and reported.

Etched icon: a stepped stone platform under construction, its top tier unfinished, with cut blocks and a wooden hoist beside it.

Capacity

Where the limit comes from, what it costs, and when the market turns.

A lexicon, not a feature list: the terms Chaac reasons in, carved for the people who already use them.

Three layers of value

The industry's data. Insurance smarts. Your business.

Each one alone is useful. Together they make something no general-purpose AI has.

The industry's dataPolicyBlockchainLoss, weather, forms, referrals and market, in one secure chain.
Insurance smartsChaacAn AI with the business of risk dialed in.
Your businessJeffersonYour organization's own context, assembled for each question.
Something no general-purpose AI has.
The context engine · JCI

Jefferson knows you. The model doesn't have to.

A model is what reasons. A context layer is what it reasons about. They are different things, and keeping them apart is the point.

Jefferson holds your organization's knowledge as a graph: insureds, policies, carriers, programs, claims, and how they connect. When a question arrives, it assembles only the context that question needs and hands Chaac that, rather than the whole file room.

The model reads less, so it costs less, and simpler questions can be answered by smaller, cheaper models. And your organization's knowledge stays in its own context layer, not inside anyone's model.

Model aloneHanded the documents, and reads them all, every time.
With JeffersonHanded what the question needs, from your own graph.
Your organization's knowledge graph, a constellation of many carved nodes. When a question arrives at Chaac, a few nodes light up; only those pass through a carved gate and flow to Chaac and the model. Your knowledge graph CLIENTS · CARRIERS · MEETINGS · MAIL · POLICIES Only what it needs Chaac + the model
Forthcoming

Not yet. But soon.

Two capabilities are being carved now. Neither is available in this release.

Engraving of a carved stone socket on a pedestal, surrounded on low shelves by interchangeable carved stone heads and masks shaped to fit it. Coming · not yet available The base, made yours

Model switching

Choose which models run beneath Chaac, frontier or local, for your organization or for a single kind of work. Jefferson's context stays the same whichever model reads it.

Engraving of a small Puuc temple on its own raised ground, enclosed by a low stone wall with a single gate, alone in a night landscape. Coming · not yet available The temple, on your ground

Self-hosting

Run Chaac, its context layer and its models inside your own environment, so the whole temple stands within your walls.

Your own way in

Build your own MCP.

We build your organization a custom MCP on your own data. Then you reach Chaac and Jefferson through whichever door suits the work.

Engraving of a Puuc corbel-arch doorway between lattice panels under a stepped-fret frieze, opening onto a quiet room with a stone writing desk and an open ledger. Door I

PolicyOS

The workspace. Chaac and Jefferson built into the place your team already works.

Engraving of the same Puuc doorway with a carved channel of interlinked glyph-links running through it, carrying a thin line of light from the far side. Door II

MCP

From Claude, Cursor or any MCP client. Your data and your context, in the tools you already use.

Engraving of the same Puuc doorway framing a seated Maya figure who speaks, curling speech-scroll glyphs rising from the figure's mouth. Door III

Chat

A chatbot, for the people who simply want to ask.

Start with an AI assessment Contact sales
Engraving of a Puuc temple at night, its doorway glowing from within, where a robed figure extends a hand to welcome a single visitor climbing the last steps.
Access

By invitation.

Chaac is being opened to a small number of organizations at a time. Begin with an assessment of where AI fits your work, or write to us directly.

Start with an AI assessment Contact sales Request an invitation