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What It Is

MotiSure is a financial infrastructure provider focused on mobility scenarios, aiming to “invisibly embed” microinsurance, savings, and credit into everyday commuting. Its core idea is to “make insurance disappear into the journey”: coverage is automatically activated through payment behavior, with no need for users to download an additional app or fill out claim forms.

Key Dimensions

• Service Type: Primarily embedded finance and parametric insurance. In emerging markets, it offers accident insurance, credit, and savings; in developed markets, it provides transit-delay payouts and micro-pensions.
• Supported Payment Methods: Deeply adapted to local payment ecosystems. In Kenya, it supports M-Pesa, USSD, NFC/QR, and offline agent networks; in London, it connects with Contactless/Oyster and Mastercard payment rails.
• Covered Countries/Regions: Uses a “two-world” strategy. It is already commercially live in Kenya, covering 15 counties; London is planned for launch in April 2026, with global markets such as New York also in its sights.
• Rates and Fees: In Kenya, the entry price is as low as KSh 10/day, creating an extremely low barrier to access. Pricing in London and specific fee rates have not been disclosed.
• Settlement and Payout Speed: Powered by a parametric engine and Mastercard settlement, payouts are extremely fast. London delay compensation is promised to arrive in under 30 seconds, with same-day settlement supported overall.
• Compliance and Licensing: The company is registered as a Delaware C-Corp. Its London operations are regulated by the FCA, policies are underwritten by Britam Insurance, and it has signed an MOU with Mastercard.
• Risk Control Capabilities: The core is its Proof of Journey engine, which cross-verifies payment signals with real-time disruption data, such as the TfL API, to enable fraud prevention and automation. The Kenya pilot achieved zero fraud, with the loss ratio controlled at 30%.
• API and Integration: Highly dependent on seamless integration with transport data APIs, such as the TfL Open Data API, and payment rails including M-Pesa rails and Mastercard rails.

Pros, Cons, and Pricing

Its strengths include an extremely low customer acquisition threshold at KSh 10/day, a claims-free instant experience with payouts in under 30 seconds, and coverage for unbanked populations through M-Pesa embedding. The drawbacks are that the London market has not yet launched, and the business is highly dependent on the openness and stability of local transport data APIs.

Who It’s For

Best suited for public transport operators in emerging markets, unbanked commuters, and gig economy workers in developed markets.

Access from China

Network accessibility is unknown. Since the business is highly focused on local transport and payment ecosystems in Kenya and London, there are currently no practical payment or usage scenarios for users in mainland China, nor any direct need for a replacement service.