The First AI-Native Embedded Protection Platform
Gangkhar transforms how the world delivers insurance. Through a single AI-native infrastructure layer, capacity providers and digital platforms can instantly configure, deploy, and optimize embedded protection across regions, in real time, at full scale.
Climb Higher. Insure Smarter.
Climb Higher. Insure Smarter.
Mission
Vision
Who we are
At Gangkhar, we believe everyone deserves to be protected. That's why we're more than technology: we're your Sherpa, opening the path and walking by your side at every step towards excellence in insurance.
"Just as climbers rely on Sherpas to conquer peaks, businesses rely on Gangkhar to navigate the terrain of embedded insurance."
Federico Spagnoli - CEO
Gangkhar is on a mission to democratize access to protection, enabling any platform or insurer to embed, optimize, and scale insurance and resilience tools seamlessly, intelligently, and at scale.
12
Carriers
4
Digital platforms being activated in Sherpa+ located in US, Latin America and Middle East.
18
Team with physical presence in the Americas, LATAM, SEA and EMEA
20+
Average years of insurance & tech expertise per team member
12
Carriers
4
Digital platforms being activated in Sherpa+ located in US, Latin America and Middle East.
Digital platforms being activated in Sherpa+ located in US, Latin America and Middle East.
20+
18
Average years of insurance & tech expertise per team member
Who we are
Mission
Gangkhar is on a mission to democratize access to protection, enabling any platform or insurer to embed, optimize, and scale insurance and resilience tools seamlessly, intelligently, and at scale.
Vision
At Gangkhar, we believe everyone deserves to be protected. That's why we're more than technology: we're your Sherpa, opening the path and walking by your side at every step towards excellence in insurance.
"Just as climbers rely on Sherpas to conquer peaks, businesses rely on Gangkhar to navigate the terrain of embedded insurance."
Federico Spagnoli - CEO
Climb Higher. Insure Smarter.
Design & Configuration
1
Key Activities:
Product definition (coverages, parameters, business rules), pricing structure, geographic scope.
Critical Factors:
Level of customization vs. initial regulatory complexity
Solution:
Sherpa+
Configurator API
Integration & Launch
2
Key Activities:
Technical connection to client stack (API, SDK or plugin), sandbox testing, production rollout.
Critical Factors:
Platform type (mobile app, web, wallet), legacy systems, UI/UX requirements.
Solution:
Integrator Kit
SDKs
Sandbox
Real-Time Optimization
3
Key Activities:
Dynamic personalization of pricing, messaging and upsell offers based on behavior and business metrics.
Critical Factors:
Priority goal (max attachment rate, LTV, churn, cross-sell), transaction volumes
Solution:
AI Optimization Engine
Sherpa+ Lens
Dashboard
Settlement & Payments
4
Key Activities:
Premium collection, reconciliation and fund transfers to insurer or captive fund.
Critical Factors:
Supported currencies, settlement timing, checkout friction.
Solution:
Crypto Payment Rails
Traditional Payment Rails
Settlement API
Claims Management & Compliance
5
Key Activities:
Claim intake and processing, indemnity calculation, regulatory validations and reporting.
Critical Factors:
Jurisdiction, SLA targets, degree of fraud-automation.
Solution:
Claims & Compliance Platform
KYC/AML
Global Scaling & Reporting
6
Key Activities:
Expansion into new markets, reinsurer onboarding, multi-region performance analysis.
Critical Factors:
Local licensing requirements, partner network, language support.
Solution:
Global Infrastructure Stack
Reporting
A Complete Protection Infrastructure
From early stage launch to global expansion, Gangkhar’s embedded protection evolves with your business. Coverage activates precisely when it’s needed, adapting intelligently to the challenges and momentum of each growth phase.
A Complete Protection Infrastructure
From early stage launch to global expansion, Gangkhar’s embedded protection evolves with your business. Coverage activates precisely when it’s needed, adapting intelligently to the challenges and momentum of each growth phase.
Design & Configuration
1
Key Activities:
Product definition (coverages, parameters, business rules), pricing structure, geographic scope.
Critical Factors:
Level of customization vs. initial regulatory complexity
Solution:
-
Configurator API
-
Expert Advisory
Integration & Launch
2
Key Activities:
Technical connection to client stack (API, SDK or plugin), sandbox testing, production rollout.
Critical Factors:
Platform type (mobile app, web, wallet), legacy systems, UI/UX requirements.
Solution:
-
Integrator Kit
-
SDKs
-
Sandbox
Real-Time Optimization
3
Key Activities:
Dynamic personalization of pricing, messaging and upsell offers based on behavior and business metrics.
Critical Factors:
Priority goal (max attachment rate, LTV, churn, cross-sell), transaction volumes
Solution:
-
AI Optimization Engine
-
Dashboard
Settlement & Payments
4
Key Activities:
Premium collection, reconciliation and fund transfers to insurer or captive fund.
Critical Factors:
Supported currencies, settlement timing, checkout friction.
Solution:
-
Crypto Payment Rails
-
Traditional Payment Rails
-
Settlement API
Claims Management & Compliance
5
Key Activities:
Claim intake and processing, indemnity calculation, regulatory validations and reporting.
Critical Factors:
Jurisdiction, SLA targets, degree of fraud-automation.
Solution:
-
Claims & Compliance Platform
-
KYC/AML
Global Scaling & Reporting
6
Key Activities:
Expansion into new markets, reinsurer onboarding, multi-region performance analysis.
Critical Factors:
Local licensing requirements, partner network, language support.
Solution:
-
Global Infraestructure Stack
-
Reporting
Platforms Solutions: Global Protection Powered by AI
A comprehensive, AI-native platform designed to help partners take control of insurance economics, accelerate deployment, and expand across markets with confidence. Gangkhar’s intelligent infrastructure empowers you to configure, optimize, and grow embedded protection without the complexity.
No-code product configuration.
Real-time pricing & risk optimization with agentic AI.
Real-time pricing & risk optimization with agentic AI.
Design
1.
Use Al-powered insights to match the ideal insurance product to each customer segment-maximizing value and partner economics
Embed
2.
Drop our discreet, plug-and-play widget into your navigation - no heavy UX work required.
Identify
3.
Combine broker expertise and anony- mized data signals to uncover your customers' protection gaps.
Propose
4.
Deliver pre-filled applications, instant quotes, and timely coverage recommendations with one click.
Boost
5.
Earn on every policy through flexible revenue shares while driving NPS, retention, and lifetime value.
We simplify the journey so you can focus on scaling new heights.
How it works ?
Design & Configuration
1
Key Activities:
Product definition (coverages, parameters, business rules), pricing structure, geographic scope.
Critical Factors:
Level of customization vs. initial regulatory complexity
Solution:
-
Sherpa+
-
Configurator API
Integration & Launch
2
Key Activities:
Technical connection to client stack (API, SDK or plugin), sandbox testing, production rollout.
Critical Factors:
Platform type (mobile app, web, wallet), legacy systems, UI/UX requirements.
Solution:
-
Integrator Kit
-
SDKs
-
Sandbox
Real-Time Optimization
3
Key Activities:
Dynamic personalization of pricing, messaging and upsell offers based on behavior and business metrics.
Critical Factors:
Priority goal (max attachment rate, LTV, churn, cross-sell), transaction volumes
Solution:
-
AI Optimization Engine
-
Sherpa+ Lens
-
Dashboard
Settlement & Payments
4
Key Activities:
Premium collection, reconciliation and fund transfers to insurer or captive fund.
Critical Factors:
Supported currencies, settlement timing, checkout friction.
Solution:
-
Crypto Payment Rails
-
Traditional Payment Rails
-
Settlement API
Claims Management & Compliance
5
Key Activities:
Claim intake and processing, indemnity calculation, regulatory validations and reporting.
Critical Factors:
Jurisdiction, SLA targets, degree of fraud-automation.
Solution:
-
Claims & Compliance Platform
-
KYC/AML
Global Scaling & Reporting
6
Key Activities:
Expansion into new markets, reinsurer onboarding, multi-region performance analysis.
Critical Factors:
Local licensing requirements, partner network, language support.
Solution:
-
Global Infraestructure Stack
-
Reporting
From early stage launch to global expansion, Gangkhar’s embedded protection evolves with your business. Coverage activates precisely when it’s needed, adapting intelligently to the challenges and momentum of each growth phase.
A Complete Protection Infrastructure
Platforms Solutions: Global Protection Powered by AI
RETAIL & HOSPITALITY CHAINS - CONSUMER BRANDS -FINANCIAL SERVICES
A comprehensive, AI-native platform designed to help partners take control of insurance economics, accelerate deployment, and expand across markets with confidence. Gangkhar’s intelligent infrastructure empowers you to configure, optimize, and grow embedded protection without the complexity.
Sherpa+
No-code product configuration.
Sherpa+Lens
Real-time pricing & risk optimization with agentic AI.
Sherpa+Engage
Automated customer journeys, upsells, and retention loops.
No-code product configuration.
No-code product configuration.
Real-time pricing & risk optimization with agentic AI.
Automated customer journeys, upsells, and retention loops.
Platforms Solutions: Global Protection Powered by AI
RETAIL & HOSPITALITY CHAINS - CONSUMER BRANDS -FINANCIAL SERVICES
A comprehensive, AI-native platform designed to help partners take control of insurance economics, accelerate deployment, and expand across markets with confidence. Gangkhar’s intelligent infrastructure empowers you to configure, optimize, and grow embedded protection without the complexity.
Embed
2.
Drop our discreet, plug-and-play widget into your navigation, no heavy UX work required.
How it works ?
We simplify the journey so you can focus on scaling new heights.
Design
1.
Use AI-powered insights to match the ideal insurance product to each customer segment, maximizing value and partner economics
Identify
3.
Combine broker expertise and anonymized data signals to uncover your customers’ protection gaps.
Propose
4.
Deliver pre-filled applications, instant quotes, and timely coverage recommendations with one click.
Boost
5.
Earn on every policy through flexible revenue shares while driving NPS, retention, and lifetime value.
Design & Configuration
1
Key Activities:
Product definition (coverages, parameters, business rules), pricing structure, geographic scope.
Critical Factors:
Level of customization vs. initial regulatory complexity
Solution:
Sherpa+
Configurator API
Integration & Launch
2
Key Activities:
Technical connection to client stack (API, SDK or plugin), sandbox testing, production rollout.
Critical Factors:
Platform type (mobile app, web, wallet), legacy systems, UI/UX requirements.
Solution:
Integrator Kit
SDKs
Sandbox
Real-Time Optimization
3
Key Activities:
Dynamic personalization of pricing, messaging and upsell offers based on behavior and business metrics.
Critical Factors:
Priority goal (max attachment rate, LTV, churn, cross-sell), transaction volumes
Solution:
AI Optimization Engine
Sherpa+ Lens
Dashboard
Settlement & Payments
4
Key Activities:
Premium collection, reconciliation and fund transfers to insurer or captive fund.
Critical Factors:
Supported currencies, settlement timing, checkout friction.
Solution:
Crypto Payment Rails
Traditional Payment Rails
Settlement API
Claims Management & Compliance
5
Key Activities:
Claim intake and processing, indemnity calculation, regulatory validations and reporting.
Critical Factors:
Jurisdiction, SLA targets, degree of fraud-automation.
Solution:
Claims & Compliance Platform
KYC/AML
Global Scaling & Reporting
6
Key Activities:
Expansion into new markets, reinsurer onboarding, multi-region performance analysis.
Critical Factors:
Local licensing requirements, partner network, language support.
Solution:
Global Infrastructure Stack
Reporting
A Complete Protection Infrastructure
From early stage launch to global expansion, Gangkhar’s embedded protection evolves with your business. Coverage activates precisely when it’s needed, adapting intelligently to the challenges and momentum of each growth phase.
-
Scalable technology for large client bases.
-
Simple processes for issuance, claims, billing and endorsements.
-
Seamless integration to existing company technology (API’s).
-
Relevant timely product offerings.
-
Superior underwriting focused on flexibility.
Personalized
Protection Experience
User
Experience
Why Gangkhar
-
Real time response to any customer request or action.
-
Simple to execute (embedded) and in easy day to day language.
-
Human connection with timely, friendly assistance.
FAQ SECTION
Carrier clients currently working with Sherpa+
Blog, News & Articles
Explore expert perspectives, company milestones, and the latest trends shaping the future of embedded insurance. Stay informed, inspired, and ahead with Gangkhar’s curated content stream.
© 2025 Gangkhar. All rights reserved. Gangkhar does not provide services or products directly to consumers.