A real-time exchange for insurance shoppers — priced per appetite, not per click.
A programmatic marketplace where carriers and agencies bid in real time on qualified, consented insurance shoppers. Eligibility, geography, product, and capacity resolve before the auction — so every cleared price reflects bind probability, not impression scarcity.
HRX/MAP · SVC/08 · PROGRAMMATIC CONSUMER MARKETPLACE↳ live Insurance substrate
DECISION WINDOW · < 14MS
§01 — OUTCOMESFIELD-MEASURED
What this service moves.
+44%
Cleared price accuracy
−71%
Duplicate shoppers
+29%
Carrier fill
§02 — CAPABILITIES04 · COMPOSABLE
What's inside.
CAP/01
Real-time auction
First-price and waterfall auctions with eligibility and capacity constraints enforced at decision time.
CAP/02
Verified consented supply
Every shopper carries identity, consent, and provenance attestations — verifiable, not assumed.
CAP/03
Carrier appetite buyer
Buy by state, product, risk tier, and capacity envelope — pause and resume in seconds.
CAP/04
Fraud + duplication shield
Cross-publisher dedup, device intelligence, and adversarial signal scoring on every applicant.
§03 — SPECIFICATIONSYSTEM PROFILE
Specification.
▤ DEPLOYMENT NOTE
Programmatic Consumer Marketplace is independently deployable but composes natively with every other Horaclus service. It speaks the APIs your stack already speaks.