Earn Yield on Claim Reserves. Keep Full Control.
US carriers hold billions in claim reserves that sit idle between loss events. Vitesse gives insurance finance teams real-time visibility across every fund and currency — and the option to earn yield on capital that used to do nothing.
- ✓ Yield on segregated claim reserves — NYDFS Trust safeguards, Tier-1 bank partners
- ✓ Real-time visibility across every fund and currency on one ledger
- ✓ Built for insurance — not retrofitted corporate treasury
See the Treasury Platform
15-minute walkthrough. See how carriers put idle reserves to work without sacrificing liquidity or safeguarding.
Trusted by 550+ insurance participants
.svg){kind=small}
.svg){kind=small}
.svg){kind=small}
.svg){kind=small}
.svg){kind=small}
$32B+ processed across 200+ countries and 100+ currencies
Source: Vitesse Claims Finance Research Report 2025
Idle Reserves Are Lost Yield. Spreadsheets Are Operational Risk.
Only 32% of insurance finance leaders have visibility into delegated claims funds. 66% struggle to access capital when they need it — 74% in the US. Finance teams spend 40+ hours a week on batch reporting and spreadsheet reconciliation. Meanwhile, billions in claim reserves sit in low-yield operating accounts between loss events, doing nothing.
Generic corporate treasury tools weren't built for this. Kyriba, GTreasury, Coupa — they don't understand segregated claim funds, the regulatory shape of a Limited Purpose Trust, or why a carrier needs to pay a claim in 60 seconds from the same balance that's earning yield. They treat insurance like a mid-market manufacturer.
Vitesse is insurance-native treasury — built by a team that raised $93M from KKR specifically to solve this problem for US carriers.
How Vitesse Works
Segregate and Safeguard
Claim reserves held in a NYDFS Limited Purpose Trust account. Ring-fenced from Vitesse's operating capital. Tier-1 bank partners. SOC 2 Type II.
Earn Yield on Idle Capital
Reserves earn competitive yield paid quarterly. Full liquidity preserved — pay a claim in 60 seconds from the same balance that's earning.
See Every Dollar in Real Time
One dashboard across every fund and currency. Reconcile daily without spreadsheets. Audit-ready ledger.
The Data Behind the Visibility Gap
Vitesse surveyed insurance finance leaders for the 2025 Claims Finance Research Report. The findings quantify what most CFOs already feel: fund visibility is broken, reconciliation is manual, and capital sits idle because nobody trusts the numbers.
74% of US finance leaders struggle to access claim funds when needed. Only 1% rate claims-finance collaboration as "highly effective." 79% cite internal complexity as the primary cause of disbursement delays — not regulation, not banking partners.
Read the full report →of US finance leaders struggle to access claim funds when they need them
Treasury teams operate with information that may be hours or days old — undermining confidence in fund positions and forcing conservative reserve estimates that tie up excess capital.
Vitesse Claims Finance Research Report 2025
Palisades Wildfire: $8.9M Disbursed in 72 Hours
Reserves that were earning yield one day were paying claims the next. No cash calls. No bank portal juggling. Full visibility into every dollar from fund to claimant — on one platform.
Read the case study →Trusted Across the Insurance Market
"This was a huge win for the insureds. We were able to pay them quickly without any of the friction we've faced in prior years. This model just works."
"Vitesse has transformed the way our business partners manage loss funds and settle international claims."
Built to the Highest Standards
Vitesse Trust Company, LLC is chartered as a limited purpose trust company by the New York State Department of Financial Services. Client funds are held in segregated accounts with Tier-1 banking partners — ring-fenced from Vitesse's operating capital. Backed by $93M in Series C funding led by KKR. FCA-regulated in the UK (Ref. 900646), DNB-regulated in Europe (R140513). HIPAA compliant. Hosted on Microsoft Azure with ISO 27001-certified infrastructure.
Common Questions
Ready to Put Claim Reserves to Work?
Insurance CFOs use Vitesse to manage and optimize claim funds on one insurance-native platform.
Book My Walkthrough →