Portable benefits & fair pricing
Insurance, credit, and benefits that follow the worker across platforms — portable, verifiable, fairly priced, on Fabric.
A delivery rider works across three apps in a year. Each holds a slice of their earnings history, their ratings, and their reliability — and none of it travels. So an insurer in Bogotá can't price a policy for them without treating them as a thin-file stranger, a lender can't extend fair credit, and the worker loses every benefit each time they switch platforms. The data that would establish their trustworthiness exists; it just isn't portable or verifiable.
Fabric lets a worker carry a verifiable, portable record of their own activity across platforms — so insurers and lenders can price risk accurately, and benefits stop resetting at every employer boundary.
What changes
An underwriter prices policies accurately for gig workers using verified, portable history — improving the claims ratio and lowering acquisition cost.
Benefits and reputation follow the worker across platforms instead of resetting each time they switch.
A microfinance officer lends to thin-file customers against a verifiable transaction history, reducing default risk.
The worker discloses only what's needed (e.g. "12 months, 98% on-time") via selective disclosure — not their entire raw record.
Where to start
Issue a portable earnings-and-reliability credential from a sandbox platform to a test worker. Publish one insurance product, have the worker present a selectively-disclosed proof, and run a quote-and-settle loop. Confirm the insurer never receives raw platform data — only the verified claim.