Deploy verified commission calculation for insurance agents based on policy sales and persistency, with automatic checks against regulatory commission caps. The DID and VC Ledger, Royalty Standard, and Royalty Clearing modules compute each agent's entitlement from trusted policy data and flag any structure that would breach permitted limits across a large network.
Turn a manual compliance headache into a verified, cap-aware commission calculation.
01.
The Royalty Standard reads commission events from verified policy records, so an agent's entitlement is computed from real, signed sales rather than a reconciled spreadsheet.
02.
Commission accrues and adjusts as policies stay in force, so the calculation reflects persistency directly instead of a one-time payout that ignores lapses.
03.
Every calculation is tested against the regulatory commission cap for that product, and any structure exceeding the permitted limit is flagged before payout.
04.
The DID and VC Ledger binds each commission to a licensed agent credential, removing payments to unverified or lapsed intermediaries.
05.
When a policy lapses within the clawback window, Royalty Clearing reverses the proportionate commission automatically, keeping the ledger accurate without manual recovery.
06.
Two further Cerulea Studio modules give the regulator and the insurer one queryable record of every commission and its cap check across the whole agent network.
Follow a single policy sale from an agent credential to a cap-checked, cleared commission.
12:10:08
[SYS] Attributing sale POL_90211 to agent AG_3391...
12:10:08
[CMD] attributeSale { policy: "POL_90211", agent: "AG_3391" }
12:10:09
[AUTH] Verifying agent license credential...
12:10:09
[OK] Sale attributed. Commission CM_44120 opened.
Cerulea decomposes commission compliance into modular contracts. Each layer verifies the agent, computes commission, checks the cap, and clears payment with clawback armed.
Cap-aware commission tracking is a horizontal capability. Here is how different actors in distribution put the shared ledger to work.
Compute and clear agent commissions from verified policy data with cap checks built in, removing the compliance risk of manual calculation across a large intermediary network.
Key Asset Types
See commissions calculated transparently from real sales and persistency, with clawback rules applied consistently, so payouts are predictable and disputes fall away.
Key Asset Types
Query one record of every commission and its cap check across the network, replacing sampled audits with a live view of whether structures stay within permitted limits.
Key Asset Types
Whether you are bridging an insurer's commission system or capturing agent activity from a distribution app, Cerulea routes both into one shared commission ledger.
For insurers on legacy commission platforms. Existing sales and payout records are translated into signed on-chain commission events through the API gateway automatically.
Legacy Commission System
Insurer Platform
Cerulea API Gateway
Event Hashing & Signing
Cerulea Private Chain
Shared Commission Ledger
For agents recording sales from a distribution app. A connector signs each attributed sale from an agent wallet and routes it directly to the commission ledger.
Distribution App
Agent Devices
Consortium Validators
Commission Consensus
Cerulea Ledger
Shared Commission Record
Building a commission network with verified sales attribution, persistency weighting, and automatic cap checks from scratch requires specialised engineers and long compliance integration cycles. Calculate your exact deployment speed using Cerulea.
Traditional Deployment
Solidity Coding & Audits
~ 12 Months
Visual Compilation
WASM Logical Artifacts
~ 4 Weeks
The legacy timeline reflects distribution-compliance integration benchmarks. Wiring a commission system to verified policy data, coding persistency and clawback logic, and shipping automatic cap checks for an average network takes a baseline of 7 months. Building the same architecture on Cerulea takes a baseline of 2 weeks, because Cerulea Studio visually translates your commission and cap rules into pre-audited WebAssembly binaries and provisions the shared commission ledger instantly.