Introduction to Malcolm

Malcolm is the foundational Agent-to-Agent (A2A) infrastructure powering the next generation of digital insurance distribution. We provide the compliant translation layer that connects generative AI interfaces with legacy carrier pricing engines.

The problem: probability vs. regulation

Generative AI and Large Language Models (LLMs) are rapidly becoming the primary interface for consumer platforms. They are brilliant at natural language, but they are inherently probabilistic.

Regulated financial products, however, are strictly deterministic. If an AI assistant hallucinates a coverage limit, assumes a building material, or skips a mandatory Statement of Fact, it is not just a software bug - it's a compliance breach (e.g., FCA PROD 4 / Consumer Duty).

Because of this, legacy insurance mainframes cannot safely accept raw, unstructured context from third-party AI agents.

The solution: Malcolm's Protocol

Malcolm sits exactly in this gap. We operate a strict, robust validation gateway.

When a user chats with an AI assistant about their insurance needs, the AI interacts with Malcolm’s Model Context Protocol (MCP). We force the LLM to map its extracted context into our versioned, Canonical A2A Schemas.

Our routing engine validates every parameter, strips PII, and blocks hallucinations before translating that data into the proprietary XML/JSON formats required by Tier-1 insurers.

Who is Malcolm for?

Malcolm is built to serve both sides of the agentic economy:

• For agentic partners: consumer apps, PropTechs, and AI assistants use Malcolm as a single, unified API to fetch whole-of-market insurance pricing. You own the beautiful conversational UX; we handle the messy legacy integrations and regulatory guardrails.
• For insurers: tier-1 Insurers and MGAs use Malcolm to safely distribute their products into the booming AI ecosystem. You maintain your existing pricing API; we handle the translation layer, ensuring every inbound request is 100% structured, validated, and within your exact underwriting appetite.

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Next steps:

• If you are an App Developer or AI Builder, head to our Quickstart Guide to fetch your first quote.
• If you are a Carrier or MGA, learn how our Mapping Layer connects your capacity to the protocol in days.

Protocol status

🟢 Live on Protocol

🟡 In Development (coming soon)