Wemates — Coverage that actually matches your reality

Start with a 3-month upfront contribution, then pay monthly. Funds go into a platform-secured pool — never to an insurer's pocket. At the end of the term, members decide whether unused funds are returned or carried over to the next period.

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Submit a claim & get paid

File a claim with photo evidence. Low-risk claims are auto-approved. Payouts go straight to your bank via Stripe within 24 hours.

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Entrepreneurs Pool

Pool type Entrepreneurs

Mates in the pool 36

Claim history 2

Pool's budget €3,500

Joined on September 24

Equipment Damage

Alex

Entrepreneurs Pool claim

Claim details

Covered item MacBook Pro

Claim amount €320

Date Oct 24, 2026

Claim status

Filed (document check)

24/10 · 10:55 PM

Payout confirmed

Your claim will be paid within 24 hours.

Trust Score

The pool knows who's trustworthy.
So do we.

What is Trust Score: a safety check that protects the whole pool, determined by you — not a demographic. It's never a barrier to joining, it updates with everything you do, and a lower score simply means we check a little more carefully. Not punishment. Just fairness.

Signal groups · updated in real time Identity & documents, public records, and how you use the pool — three real-time signals. No credit history, no employment history, no social media.

Identity & documents

Verified ID, proof of address, and document authenticity checks.

Public & open-source records

Publicly available information relevant to risk, cross-checked against your application.

Ongoing pool activity

How you use the pool over time — payments, claims, and account behaviour.

What changes for you · by Trust Score

High Trust

Auto-approved

Claims are approved instantly — no extra steps needed.

Standard

Assisted review

Most members land here. Claims get a quick human check within 24–48h.

Extended Verification

Additional documents

We simply ask for a bit more documentation before your claim is approved.

Manual Review

Reviewed personally

We review your claim carefully to agree on the right terms.

🔒 Verified sources only. Identity providers, payment data, device signals, and your own activity inside Wemates. No employment history. No social media.

Protection Model

Your coverage grows with your community

The larger the pool, the stronger the protection. A transparent formula — no hidden margins.

Community Protection PowerEntrepreneurs Pool · 250 members

Total contributions€37,500

Platform fee (10%)−€3,750

After fee€33,750

Safety factor applied×0.80

Community Protection Power€27,000

Paid claims−€10,000

Your available coverage€17,000

€6,750 is reserved for community stability and future months.

Pool capacity: 50%250 / 500 members

Increase your protection — invite more members →

🛡️

No conflict of interest

Unused funds stay in the pool — not as corporate profit. Members vote on how to use any surplus.

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Automated claim verification

AI-powered risk scoring approves low-risk claims instantly. Human review only when needed.

🔄

Rewards for responsible members

Stay claim-free and unlock lower contribution rates over time.

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Member Agent — your AI underwriter

Personalised risk assessment, onboarding guidance, and fraud prevention — working for you, not against you.

Why Wemates

Four reasons it's structurally different

Most insurers are built to protect their profits. Wemates is built to protect you — here's what that changes in practice.

No conflict of interest

An insurer's profit is what it doesn't pay out. Ours isn't: Wemates' fee doesn't depend on your claim, and the pool's money stays in the pool. Payout rules are fixed upfront, and what's left at the end stays with members.

Refund of unused funds Transparent pool balance Real-time balance reporting

Community-driven, not boardroom-driven

Coverage limits and claim decisions are set by the people in the pool — not a committee optimising for margin.

Custom coverage rules Community claim voting Surplus fund voting

Technology that protects

AI catches fraud in seconds instead of months of manual review — and the same fairness works in your favour: no credit checks or barriers keep you out.

AI anti-fraud check, instant No pre-existing barriers Stripe-secured payments

Built to include, not exclude

From communities traditional insurers overlook to the paperwork they demand — Wemates removes both.

Serving underserved communities Fully paperless Available in the Netherlands, expanding across the EU

FAQ

Common questions

Everything you need to know about how Wemates works.

Is Wemates a real insurance company, and who regulates it?+

Wemates is not a traditional insurer. We operate as a P2P protection platform — a community infrastructure where members pool funds and collectively cover each other's risks. This removes the structural conflict of interest inherent in classic insurance models. We are approved by De Nederlandsche Bank (DNB) in the Netherlands and by the Czech National Bank (CNB) in Czechia, and we have started the compliance process with the Bank of Lithuania in Lithuania.

What happens to my money if no claim is made?+

You pay for protection — not a deposit. If the pool ends a cycle with surplus funds, members vote on what to do with them: return them to members as cashback, carry them over to strengthen the next cycle, apply them as contribution credits, or donate to a shared social cause. Unused funds never become insurer profit.

How are claims verified and paid out?+

Claims go through a three-level verification pipeline. Low-risk claims are auto-approved instantly. Medium-risk claims go to a human reviewer. High-risk or disputed cases are escalated for thorough review. Once approved, payouts are sent directly to your bank IBAN via Stripe — typically within 24 hours.

How much does it cost and can I cancel?+

You start with a 3-month upfront contribution, then pay monthly after that. You can cancel at any time — per EU regulations, your access continues until the end of your billing period. A 14-day cooling-off period applies from signup.

Who can join Wemates?+

Anyone can join Wemates after completing a quick KYC identity verification. All members must verify their identity before joining any pool. Now we're available to residents of the Netherlands. Soon we'll add more countries.

Can I join with a poor credit history or a foreign nationality?+

Yes. Wemates has no credit history checks, nationality exclusions, or device-age restrictions that block you from joining — you're in if you're verified. Your Trust Score only affects how closely we check your claims, never your eligibility to join.

Are my payments secure?+

Yes. All contributions are processed securely via Stripe, a licensed payment provider. Funds are only released from the pool after a claim has been verified and approved — never before.

What information goes into my Trust Score?+

Three signal groups, updated in real time: Identity & documents (verified ID, proof of address, document authenticity checks), Public & open-source records (publicly available information cross-checked against your application), and Ongoing pool activity (how you use the pool over time — payments, claims, account behaviour). No credit history, no employment history, no social media.

What is the Member Agent?+

The Member Agent is your personal AI assistant on Wemates. It guides you through onboarding, helps you understand your coverage, assists with claim submissions, and acts as an AI underwriter — assessing your risk profile and dynamically adjusting your contribution rate based on your claims history.