One Inc Debuts Agentic Protocol to Link AI Assistants With Insurance Payments

Digital payments network One Inc launched a new protocol designed to accelerate the integration of its payment systems and improve data management through artificial intelligence.

The company’s new Model Context Protocol (MCP) is an open system that allows insurance carriers to use their existing corporate AI assistants to interact more efficiently with One Inc’s platform, according to a Tuesday (Feb. 3) press release.

The protocol is compatible with various AI assistants, including Microsoft Copilot, ChatGPT Enterprise and Anthropic’s Claude. MCP is intended to speed up integration timelines and elevate service standards for its insurance clients, the release said.

A key differentiator of MCP is its deployment model. Unlike traditional AI features that are often limited to vendor-hosted environments, One Inc’s protocol operates within a client’s own IT-approved AI environment. This allows carriers to securely combine One Inc’s payments data with their internal systems and proprietary models, providing greater operational flexibility and more comprehensive data analysis, according to the release.

The company expects the protocol to enhance its flagship solutions, PremiumPay and ClaimsPay, by reducing “go-live” times for insurers, the release said. These AI-driven capabilities are designed to help carriers modernize premium collections and claims disbursements, leading to higher digital adoption, lower exception rates and strengthened fraud controls.

For software developers at insurance firms, MCP facilitates integration through AI-assisted code generation, automated testing and validation. On the business side, the protocol provides users with secure, on-demand access to advanced reporting and AI-generated analyses tailored to the specific needs of the organization, according to the release.

Security remains a primary focus of the new architecture, as all data access is permissioned, authenticated and fully auditable, with security credentials managed under the customer’s existing framework. The system ensures that AI assistants interact with One Inc exclusively through governed APIs to maintain strict control over data flow, the release said.

In October, One Inc partnered with Guidewire to embed ClaimsPay into Guidewire’s property and casualty (P&C) insurance platform. The ClaimsPay integration allowed for fully embedded digital claims disbursements within Canadian P&C insurers’ core platforms.

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