# Insured Travel Marketplace > The frozen Insured Travel Marketplace Product Build, version 1. - Composition id: `insured_travel_marketplace` - Version: 1 - Digest: `fa404abe65296fae1e135b2c5e95991aa3aa8b2fafc68e10ba5c03b5307d32f1` - Currencies: `SAR` - Webhook events: 26 ## Instruments | Instrument | Title | States | Actions | | --- | --- | --- | --- | | [`claim`](../instruments/claim.md) | Claim | 5 | create, pay | | [`flight_booking`](../instruments/flight_booking.md) | Flight booking | 9 | create | | [`hotel_stay`](../instruments/hotel_stay.md) | Hotel stay | 9 | create | | [`policy`](../instruments/policy.md) | Policy | 6 | bind, create | ## Journeys ### Withdraw a policy quote - Journey id: `withdraw_policy_quote` - Steps: 7 1. `sandbox_customer_onboard` - Actor: product - Action: platform write - Route: `POST /v1/sandbox/customer-onboarding`, scopes customer:write, idempotency required, receipt yes - Body: displayName, productId - Path: none - Query: none - Expect: none - Bindings: none 2. `sandbox_customer_access_activate` - Actor: product - Action: platform write - Route: `POST /v1/sandbox/customer-access/{customerAccessId}/activate`, scopes customer:write, idempotency required, receipt yes - Body: none - Path: customerAccessId - Query: none - Expect: none - Bindings: customerAccessId <- customer.customerAccessId 3. `account_create` - Actor: product - Action: platform write - Route: `POST /v1/accounts`, scopes account:write, idempotency required, receipt yes - Body: currency, owner, role - Path: none - Query: none - Expect: none - Bindings: owner.id <- customer.customerId 4. `account_create` - Actor: product - Action: platform write - Route: `POST /v1/accounts`, scopes account:write, idempotency required, receipt yes - Body: currency, owner, role - Path: none - Query: none - Expect: none - Bindings: owner.id <- customer.customerId 5. `subject_create` - Actor: product - Action: platform write - Route: `POST /v1/subjects`, scopes product:write, idempotency required, receipt yes - Body: attributes, declaredValue, kind, kindVersion, productId - Path: none - Query: none - Expect: subjectId, tenantId, productId, kind, kindVersion, attributes, declaredValue, createdAt, metadata - Bindings: none 6. `policy_create` - Actor: product - Action: `policy.create` - Route: `POST /v1/policies`, scopes policy:write, idempotency required, receipt yes - Body: coverageLimit, currency, expiresAt, insurerAccountId, perilSchedule, policyholderAccountId, premiumAmount, productId, startsAt, subject, termsSummary - Path: none - Query: none - Expect: none - Bindings: insurerAccountId <- insurer_account.accountId, policyholderAccountId <- holder_account.accountId, subject <- subject.subjectId 7. `policy_withdraw` - Actor: product - Action: platform write - Route: `POST /v1/policies/{policyId}/withdraw`, scopes policy:write, idempotency required, receipt yes - Body: none - Path: policyId - Query: none - Expect: none - Bindings: policyId <- policy.policyId ### Assess and deny a claim - Journey id: `claim_denied` - Steps: 14 1. `sandbox_customer_onboard` - Actor: product - Action: platform write - Route: `POST /v1/sandbox/customer-onboarding`, scopes customer:write, idempotency required, receipt yes - Body: displayName, productId - Path: none - Query: none - Expect: none - Bindings: none 2. `sandbox_customer_access_activate` - Actor: product - Action: platform write - Route: `POST /v1/sandbox/customer-access/{customerAccessId}/activate`, scopes customer:write, idempotency required, receipt yes - Body: none - Path: customerAccessId - Query: none - Expect: none - Bindings: customerAccessId <- holder_customer.customerAccessId 3. `account_create` - Actor: product - Action: platform write - Route: `POST /v1/accounts`, scopes account:write, idempotency required, receipt yes - Body: currency, owner, role - Path: none - Query: none - Expect: none - Bindings: owner.id <- holder_customer.customerId 4. `sandbox_account_fund` - Actor: product - Action: platform write - Route: `POST /v1/sandbox/account-funding`, scopes transfer:write, idempotency required, receipt yes - Body: amount, currency, destinationAccountId - Path: none - Query: none - Expect: none - Bindings: destinationAccountId <- holder.accountId 5. `sandbox_customer_onboard` - Actor: product - Action: platform write - Route: `POST /v1/sandbox/customer-onboarding`, scopes customer:write, idempotency required, receipt yes - Body: displayName, productId - Path: none - Query: none - Expect: none - Bindings: none 6. `sandbox_customer_access_activate` - Actor: product - Action: platform write - Route: `POST /v1/sandbox/customer-access/{customerAccessId}/activate`, scopes customer:write, idempotency required, receipt yes - Body: none - Path: customerAccessId - Query: none - Expect: none - Bindings: customerAccessId <- insurer_customer.customerAccessId 7. `account_create` - Actor: product - Action: platform write - Route: `POST /v1/accounts`, scopes account:write, idempotency required, receipt yes - Body: currency, owner, role - Path: none - Query: none - Expect: none - Bindings: owner.id <- insurer_customer.customerId 8. `subject_create` - Actor: product - Action: platform write - Route: `POST /v1/subjects`, scopes product:write, idempotency required, receipt yes - Body: attributes, declaredValue, kind, kindVersion, productId - Path: none - Query: none - Expect: none - Bindings: none 9. `policy_create` - Actor: product - Action: `policy.create` - Route: `POST /v1/policies`, scopes policy:write, idempotency required, receipt yes - Body: coverageLimit, currency, expiresAt, insurerAccountId, perilSchedule, policyholderAccountId, premiumAmount, productId, startsAt, subject, termsSummary - Path: none - Query: none - Expect: none - Bindings: insurerAccountId <- insurer.accountId, policyholderAccountId <- holder.accountId, subject <- subject.subjectId 10. `policy_bind` - Actor: product - Action: `policy.bind` - Route: `POST /v1/policies/{policyId}/bind`, scopes policy:write, transfer:write, idempotency required, receipt yes - Body: none - Path: policyId - Query: none - Expect: none - Bindings: policyId <- policy.policyId 11. `sandbox_platform_fire` - Actor: platform - Sandbox trigger: The platform fires `policy.activate` in normal lifecycle processing; sandbox fires it now. - Action: platform lifecycle trigger - Route: `POST /v1/sandbox/platform/fire`, scopes no scopes required, idempotency required, receipt yes - Body: input, operation - Path: none - Query: none - Expect: none - Bindings: input.policyId <- policy.policyId 12. `claim_create` - Actor: product - Action: `claim.create` - Route: `POST /v1/claims`, scopes claim:write, idempotency required, receipt yes - Body: claimAmount, claimantAccountId, currency, evidenceSummary, insurerAccountId, occurredAt, peril, policyId, productId, subject - Path: none - Query: none - Expect: none - Bindings: claimantAccountId <- holder.accountId, insurerAccountId <- insurer.accountId, policyId <- policy.policyId, subject <- subject.subjectId 13. `claim_assess` - Actor: product - Action: platform write - Route: `POST /v1/claims/{claimId}/assess`, scopes claim:write, idempotency required, receipt yes - Body: none - Path: claimId - Query: none - Expect: none - Bindings: claimId <- claim.claimId 14. `claim_deny` - Actor: product - Action: platform write - Route: `POST /v1/claims/{claimId}/deny`, scopes claim:write, idempotency required, receipt yes - Body: none - Path: claimId - Query: none - Expect: none - Bindings: claimId <- claim.claimId ### Release a flight hold - Journey id: `flight_hold_released` - Steps: 9 1. `sandbox_customer_onboard` - Actor: product - Action: platform write - Route: `POST /v1/sandbox/customer-onboarding`, scopes customer:write, idempotency required, receipt yes - Body: displayName, productId - Path: none - Query: none - Expect: none - Bindings: none 2. `sandbox_customer_access_activate` - Actor: product - Action: platform write - Route: `POST /v1/sandbox/customer-access/{customerAccessId}/activate`, scopes customer:write, idempotency required, receipt yes - Body: none - Path: customerAccessId - Query: none - Expect: none - Bindings: customerAccessId <- customer.customerAccessId 3. `account_create` - Actor: product - Action: platform write - Route: `POST /v1/accounts`, scopes account:write, idempotency required, receipt yes - Body: currency, owner, role - Path: none - Query: none - Expect: none - Bindings: owner.id <- customer.customerId 4. `sandbox_customer_onboard` - Actor: product - Action: platform write - Route: `POST /v1/sandbox/customer-onboarding`, scopes customer:write, idempotency required, receipt yes - Body: displayName, productId - Path: none - Query: none - Expect: none - Bindings: none 5. `sandbox_customer_access_activate` - Actor: product - Action: platform write - Route: `POST /v1/sandbox/customer-access/{customerAccessId}/activate`, scopes customer:write, idempotency required, receipt yes - Body: none - Path: customerAccessId - Query: none - Expect: none - Bindings: customerAccessId <- operator_customer.customerAccessId 6. `account_create` - Actor: product - Action: platform write - Route: `POST /v1/accounts`, scopes account:write, idempotency required, receipt yes - Body: currency, owner, role - Path: none - Query: none - Expect: none - Bindings: owner.id <- operator_customer.customerId 7. `subject_create` - Actor: product - Action: platform write - Route: `POST /v1/subjects`, scopes product:write, idempotency required, receipt yes - Body: attributes, declaredValue, kind, kindVersion, productId - Path: none - Query: none - Expect: none - Bindings: none 8. `flight_booking_create` - Actor: product - Action: `flight_booking.create` - Route: `POST /v1/flight-bookings`, scopes flight_booking:write, idempotency required, receipt yes - Body: bookingNote, currency, departsAt, fareAmount, holdExpiresAt, operatorAccountId, productId, subject, travelerAccountId - Path: none - Query: none - Expect: none - Bindings: operatorAccountId <- operator.accountId, subject <- subject.subjectId, travelerAccountId <- traveler.accountId 9. `flight_booking_release` - Actor: product - Action: platform write - Route: `POST /v1/flight-bookings/{flightBookingId}/release`, scopes flight_booking:write, idempotency required, receipt yes - Body: none - Path: flightBookingId - Query: none - Expect: none - Bindings: flightBookingId <- booking.flightBookingId ### Release a held stay - Journey id: `release_held_stay` - Steps: 7 1. `sandbox_customer_onboard` - Actor: product - Action: platform write - Route: `POST /v1/sandbox/customer-onboarding`, scopes customer:write, idempotency required, receipt yes - Body: displayName, productId - Path: none - Query: none - Expect: none - Bindings: none 2. `sandbox_customer_access_activate` - Actor: product - Action: platform write - Route: `POST /v1/sandbox/customer-access/{customerAccessId}/activate`, scopes customer:write, idempotency required, receipt yes - Body: none - Path: customerAccessId - Query: none - Expect: none - Bindings: customerAccessId <- customer.customerAccessId 3. `subject_create` - Actor: product - Action: platform write - Route: `POST /v1/subjects`, scopes product:write, idempotency required, receipt yes - Body: attributes, declaredValue, kind, kindVersion, productId - Path: none - Query: none - Expect: none - Bindings: none 4. `account_create` - Actor: product - Action: platform write - Route: `POST /v1/accounts`, scopes account:write, idempotency required, receipt yes - Body: currency, owner, role - Path: none - Query: none - Expect: none - Bindings: owner.id <- customer.customerId 5. `account_create` - Actor: product - Action: platform write - Route: `POST /v1/accounts`, scopes account:write, idempotency required, receipt yes - Body: currency, owner, role - Path: none - Query: none - Expect: none - Bindings: owner.id <- customer.customerId 6. `hotel_stay_create` - Actor: product - Action: `hotel_stay.create` - Route: `POST /v1/hotel-stays`, scopes hotel_stay:write, idempotency required, receipt yes - Body: checkInAt, checkOutAt, currency, guestAccountId, holdExpiresAt, productId, propertyAccountId, rateAmount, subject - Path: none - Query: none - Expect: none - Bindings: guestAccountId <- guest_account.accountId, propertyAccountId <- property_account.accountId, subject <- stay_subject.subjectId 7. `hotel_stay_release` - Actor: product - Action: platform write - Route: `POST /v1/hotel-stays/{hotelStayId}/release`, scopes hotel_stay:write, idempotency required, receipt yes - Body: none - Path: hotelStayId - Query: none - Expect: none - Bindings: hotelStayId <- stay.hotelStayId ### Complete a travel package - Journey id: `complete_travel_package` - Steps: 7 1. `sandbox_customer_onboard` - Actor: product - Action: platform write - Route: `POST /v1/sandbox/customer-onboarding`, scopes customer:write, idempotency required, receipt yes - Body: displayName, productId - Path: none - Query: none - Expect: none - Bindings: none 2. `sandbox_customer_access_activate` - Actor: product - Action: platform write - Route: `POST /v1/sandbox/customer-access/{customerAccessId}/activate`, scopes customer:write, idempotency required, receipt yes - Body: none - Path: customerAccessId - Query: none - Expect: none - Bindings: customerAccessId <- customer.customerAccessId 3. `subject_create` - Actor: product - Action: platform write - Route: `POST /v1/subjects`, scopes product:write, idempotency required, receipt yes - Body: attributes, declaredValue, kind, kindVersion, productId - Path: none - Query: none - Expect: none - Bindings: none 4. `account_create` - Actor: product - Action: platform write - Route: `POST /v1/accounts`, scopes account:write, idempotency required, receipt yes - Body: currency, owner, role - Path: none - Query: none - Expect: none - Bindings: owner.id <- customer.customerId 5. `travel_package_create` - Actor: product - Action: platform write - Route: `POST /v1/travel-packages`, scopes travel_package:write, idempotency required, receipt yes - Body: departAt, memo, payerAccountId, productId, subject - Path: none - Query: none - Expect: none - Bindings: payerAccountId <- payer_account.accountId, subject <- traveler_subject.subjectId 6. `travel_package_confirm` - Actor: product - Action: platform write - Route: `POST /v1/travel-packages/{travelPackageId}/confirm`, scopes travel_package:write, idempotency required, receipt yes - Body: none - Path: travelPackageId - Query: none - Expect: none - Bindings: travelPackageId <- package.travelPackageId 7. `travel_package_complete` - Actor: product - Action: platform write - Route: `POST /v1/travel-packages/{travelPackageId}/complete`, scopes travel_package:write, idempotency required, receipt yes - Body: none - Path: travelPackageId - Query: none - Expect: none - Bindings: travelPackageId <- package.travelPackageId ### Sell a flight - Journey id: `insured_travel_flight_settlement` - Steps: 12 1. `sandbox_customer_onboard` - Actor: product - Action: platform write - Route: `POST /v1/sandbox/customer-onboarding`, scopes customer:write, idempotency required, receipt yes - Body: displayName, productId - Path: none - Query: none - Expect: none - Bindings: none 2. `sandbox_customer_access_activate` - Actor: product - Action: platform write - Route: `POST /v1/sandbox/customer-access/{customerAccessId}/activate`, scopes customer:write, idempotency required, receipt yes - Body: none - Path: customerAccessId - Query: none - Expect: none - Bindings: customerAccessId <- holder.customerAccessId 3. `account_create` - Actor: product - Action: platform write - Route: `POST /v1/accounts`, scopes account:write, idempotency required, receipt yes - Body: currency, owner, role - Path: none - Query: none - Expect: none - Bindings: owner.id <- holder.customerId 4. `sandbox_account_fund` - Actor: product - Action: platform write - Route: `POST /v1/sandbox/account-funding`, scopes transfer:write, idempotency required, receipt yes - Body: amount, currency, destinationAccountId - Path: none - Query: none - Expect: none - Bindings: destinationAccountId <- holder_account.accountId 5. `sandbox_customer_onboard` - Actor: product - Action: platform write - Route: `POST /v1/sandbox/customer-onboarding`, scopes customer:write, idempotency required, receipt yes - Body: displayName, productId - Path: none - Query: none - Expect: none - Bindings: none 6. `sandbox_customer_access_activate` - Actor: product - Action: platform write - Route: `POST /v1/sandbox/customer-access/{customerAccessId}/activate`, scopes customer:write, idempotency required, receipt yes - Body: none - Path: customerAccessId - Query: none - Expect: none - Bindings: customerAccessId <- counterparty.customerAccessId 7. `account_create` - Actor: product - Action: platform write - Route: `POST /v1/accounts`, scopes account:write, idempotency required, receipt yes - Body: currency, owner, role - Path: none - Query: none - Expect: none - Bindings: owner.id <- counterparty.customerId 8. `subject_create` - Actor: product - Action: platform write - Route: `POST /v1/subjects`, scopes product:write, idempotency required, receipt yes - Body: attributes, declaredValue, kind, kindVersion, productId - Path: none - Query: none - Expect: none - Bindings: none 9. `flight_booking_create` - Actor: product - Action: `flight_booking.create` - Route: `POST /v1/flight-bookings`, scopes flight_booking:write, idempotency required, receipt yes - Body: bookingNote, currency, departsAt, fareAmount, holdExpiresAt, operatorAccountId, productId, subject, travelerAccountId - Path: none - Query: none - Expect: none - Bindings: travelerAccountId <- holder_account.accountId, operatorAccountId <- counterparty_account.accountId, subject <- subject.subjectId 10. `flight_booking_confirm` - Actor: product - Action: platform write - Route: `POST /v1/flight-bookings/{flightBookingId}/confirm`, scopes flight_booking:write, transfer:write, idempotency required, receipt yes - Body: none - Path: flightBookingId - Query: none - Expect: none - Bindings: flightBookingId <- booking.flightBookingId 11. `flight_booking_cancel_quote` - Actor: product - Action: platform write - Route: `POST /v1/flight-bookings/{flightBookingId}/cancel-quote`, scopes flight_booking:write, idempotency required, receipt yes - Body: none - Path: flightBookingId - Query: none - Expect: none - Bindings: flightBookingId <- booking.flightBookingId 12. `flight_booking_cancel_confirm` - Actor: product - Action: platform write - Route: `POST /v1/flight-bookings/{flightBookingId}/cancel-confirm`, scopes flight_booking:write, transfer:write, idempotency required, receipt yes - Body: none - Path: flightBookingId - Query: none - Expect: none - Bindings: flightBookingId <- booking.flightBookingId ### Sell a stay - Journey id: `insured_travel_stay_settlement` - Steps: 12 1. `sandbox_customer_onboard` - Actor: product - Action: platform write - Route: `POST /v1/sandbox/customer-onboarding`, scopes customer:write, idempotency required, receipt yes - Body: displayName, productId - Path: none - Query: none - Expect: none - Bindings: none 2. `sandbox_customer_access_activate` - Actor: product - Action: platform write - Route: `POST /v1/sandbox/customer-access/{customerAccessId}/activate`, scopes customer:write, idempotency required, receipt yes - Body: none - Path: customerAccessId - Query: none - Expect: none - Bindings: customerAccessId <- holder.customerAccessId 3. `account_create` - Actor: product - Action: platform write - Route: `POST /v1/accounts`, scopes account:write, idempotency required, receipt yes - Body: currency, owner, role - Path: none - Query: none - Expect: none - Bindings: owner.id <- holder.customerId 4. `sandbox_account_fund` - Actor: product - Action: platform write - Route: `POST /v1/sandbox/account-funding`, scopes transfer:write, idempotency required, receipt yes - Body: amount, currency, destinationAccountId - Path: none - Query: none - Expect: none - Bindings: destinationAccountId <- holder_account.accountId 5. `sandbox_customer_onboard` - Actor: product - Action: platform write - Route: `POST /v1/sandbox/customer-onboarding`, scopes customer:write, idempotency required, receipt yes - Body: displayName, productId - Path: none - Query: none - Expect: none - Bindings: none 6. `sandbox_customer_access_activate` - Actor: product - Action: platform write - Route: `POST /v1/sandbox/customer-access/{customerAccessId}/activate`, scopes customer:write, idempotency required, receipt yes - Body: none - Path: customerAccessId - Query: none - Expect: none - Bindings: customerAccessId <- counterparty.customerAccessId 7. `account_create` - Actor: product - Action: platform write - Route: `POST /v1/accounts`, scopes account:write, idempotency required, receipt yes - Body: currency, owner, role - Path: none - Query: none - Expect: none - Bindings: owner.id <- counterparty.customerId 8. `subject_create` - Actor: product - Action: platform write - Route: `POST /v1/subjects`, scopes product:write, idempotency required, receipt yes - Body: attributes, declaredValue, kind, kindVersion, productId - Path: none - Query: none - Expect: none - Bindings: none 9. `hotel_stay_create` - Actor: product - Action: `hotel_stay.create` - Route: `POST /v1/hotel-stays`, scopes hotel_stay:write, idempotency required, receipt yes - Body: checkInAt, checkOutAt, currency, guestAccountId, holdExpiresAt, productId, propertyAccountId, rateAmount, subject - Path: none - Query: none - Expect: none - Bindings: guestAccountId <- holder_account.accountId, propertyAccountId <- counterparty_account.accountId, subject <- subject.subjectId 10. `hotel_stay_confirm` - Actor: product - Action: platform write - Route: `POST /v1/hotel-stays/{hotelStayId}/confirm`, scopes hotel_stay:write, transfer:write, idempotency required, receipt yes - Body: none - Path: hotelStayId - Query: none - Expect: none - Bindings: hotelStayId <- stay.hotelStayId 11. `hotel_stay_cancel_quote` - Actor: product - Action: platform write - Route: `POST /v1/hotel-stays/{hotelStayId}/cancel-quote`, scopes hotel_stay:write, idempotency required, receipt yes - Body: none - Path: hotelStayId - Query: none - Expect: none - Bindings: hotelStayId <- stay.hotelStayId 12. `hotel_stay_cancel_confirm` - Actor: product - Action: platform write - Route: `POST /v1/hotel-stays/{hotelStayId}/cancel-confirm`, scopes hotel_stay:write, transfer:write, idempotency required, receipt yes - Body: none - Path: hotelStayId - Query: none - Expect: none - Bindings: hotelStayId <- stay.hotelStayId ### Settle a disruption claim - Journey id: `insured_travel_disruption_claim` - Steps: 16 1. `sandbox_customer_onboard` - Actor: product - Action: platform write - Route: `POST /v1/sandbox/customer-onboarding`, scopes customer:write, idempotency required, receipt yes - Body: displayName, productId - Path: none - Query: none - Expect: none - Bindings: none 2. `sandbox_customer_access_activate` - Actor: product - Action: platform write - Route: `POST /v1/sandbox/customer-access/{customerAccessId}/activate`, scopes customer:write, idempotency required, receipt yes - Body: none - Path: customerAccessId - Query: none - Expect: none - Bindings: customerAccessId <- holder.customerAccessId 3. `account_create` - Actor: product - Action: platform write - Route: `POST /v1/accounts`, scopes account:write, idempotency required, receipt yes - Body: currency, owner, role - Path: none - Query: none - Expect: none - Bindings: owner.id <- holder.customerId 4. `sandbox_account_fund` - Actor: product - Action: platform write - Route: `POST /v1/sandbox/account-funding`, scopes transfer:write, idempotency required, receipt yes - Body: amount, currency, destinationAccountId - Path: none - Query: none - Expect: none - Bindings: destinationAccountId <- holder_account.accountId 5. `sandbox_customer_onboard` - Actor: product - Action: platform write - Route: `POST /v1/sandbox/customer-onboarding`, scopes customer:write, idempotency required, receipt yes - Body: displayName, productId - Path: none - Query: none - Expect: none - Bindings: none 6. `sandbox_customer_access_activate` - Actor: product - Action: platform write - Route: `POST /v1/sandbox/customer-access/{customerAccessId}/activate`, scopes customer:write, idempotency required, receipt yes - Body: none - Path: customerAccessId - Query: none - Expect: none - Bindings: customerAccessId <- counterparty.customerAccessId 7. `account_create` - Actor: product - Action: platform write - Route: `POST /v1/accounts`, scopes account:write, idempotency required, receipt yes - Body: currency, owner, role - Path: none - Query: none - Expect: none - Bindings: owner.id <- counterparty.customerId 8. `subject_create` - Actor: product - Action: platform write - Route: `POST /v1/subjects`, scopes product:write, idempotency required, receipt yes - Body: attributes, declaredValue, kind, kindVersion, productId - Path: none - Query: none - Expect: none - Bindings: none 9. `sandbox_account_fund` - Actor: product - Action: platform write - Route: `POST /v1/sandbox/account-funding`, scopes transfer:write, idempotency required, receipt yes - Body: amount, currency, destinationAccountId - Path: none - Query: none - Expect: none - Bindings: destinationAccountId <- counterparty_account.accountId 10. `policy_create` - Actor: product - Action: `policy.create` - Route: `POST /v1/policies`, scopes policy:write, idempotency required, receipt yes - Body: coverageLimit, currency, expiresAt, insurerAccountId, perilSchedule, policyholderAccountId, premiumAmount, productId, startsAt, subject, termsSummary - Path: none - Query: none - Expect: none - Bindings: policyholderAccountId <- holder_account.accountId, insurerAccountId <- counterparty_account.accountId, subject <- subject.subjectId 11. `policy_bind` - Actor: product - Action: `policy.bind` - Route: `POST /v1/policies/{policyId}/bind`, scopes policy:write, transfer:write, idempotency required, receipt yes - Body: none - Path: policyId - Query: none - Expect: none - Bindings: policyId <- policy.policyId 12. `sandbox_platform_fire` - Actor: platform - Sandbox trigger: The platform fires `policy.activate` in normal lifecycle processing; sandbox fires it now. - Action: platform lifecycle trigger - Route: `POST /v1/sandbox/platform/fire`, scopes no scopes required, idempotency required, receipt yes - Body: input, operation - Path: none - Query: none - Expect: none - Bindings: input.policyId <- policy.policyId 13. `claim_create` - Actor: product - Action: `claim.create` - Route: `POST /v1/claims`, scopes claim:write, idempotency required, receipt yes - Body: claimAmount, claimantAccountId, currency, evidenceSummary, insurerAccountId, occurredAt, peril, policyId, productId, subject - Path: none - Query: none - Expect: none - Bindings: policyId <- policy.policyId, claimantAccountId <- holder_account.accountId, insurerAccountId <- counterparty_account.accountId, subject <- subject.subjectId 14. `claim_assess` - Actor: product - Action: platform write - Route: `POST /v1/claims/{claimId}/assess`, scopes claim:write, idempotency required, receipt yes - Body: none - Path: claimId - Query: none - Expect: none - Bindings: claimId <- claim.claimId 15. `claim_approve` - Actor: product - Action: platform write - Route: `POST /v1/claims/{claimId}/approve`, scopes claim:write, transfer:write, idempotency required, receipt yes - Body: none - Path: claimId - Query: none - Expect: none - Bindings: claimId <- claim.claimId 16. `claim_pay` - Actor: product - Action: `claim.pay` - Route: `POST /v1/claims/{claimId}/pay`, scopes claim:write, transfer:write, idempotency required, receipt yes - Body: none - Path: claimId - Query: none - Expect: none - Bindings: claimId <- claim.claimId ### Register a flight itinerary - Journey id: `insured_travel_trip_subject` - Steps: 1 1. `subject_create` - Actor: product - Action: platform write - Route: `POST /v1/subjects`, scopes product:write, idempotency required, receipt yes - Body: attributes, declaredValue, kind, kindVersion, productId - Path: none - Query: none - Expect: none - Bindings: none ### Onboard a traveler - Journey id: `insured_travel_traveler_onboarding` - Steps: 2 1. `sandbox_customer_onboard` - Actor: product - Action: platform write - Route: `POST /v1/sandbox/customer-onboarding`, scopes customer:write, idempotency required, receipt yes - Body: displayName, productId - Path: none - Query: none - Expect: none - Bindings: none 2. `sandbox_customer_access_activate` - Actor: product - Action: platform write - Route: `POST /v1/sandbox/customer-access/{customerAccessId}/activate`, scopes customer:write, idempotency required, receipt yes - Body: none - Path: customerAccessId - Query: none - Expect: none - Bindings: customerAccessId <- traveler.customerAccessId ### Move trip funds - Journey id: `insured_travel_fund_movement` - Steps: 9 1. `sandbox_customer_onboard` - Actor: product - Action: platform write - Route: `POST /v1/sandbox/customer-onboarding`, scopes customer:write, idempotency required, receipt yes - Body: displayName, productId - Path: none - Query: none - Expect: none - Bindings: none 2. `sandbox_customer_access_activate` - Actor: product - Action: platform write - Route: `POST /v1/sandbox/customer-access/{customerAccessId}/activate`, scopes customer:write, idempotency required, receipt yes - Body: none - Path: customerAccessId - Query: none - Expect: none - Bindings: customerAccessId <- payer.customerAccessId 3. `account_create` - Actor: product - Action: platform write - Route: `POST /v1/accounts`, scopes account:write, idempotency required, receipt yes - Body: currency, owner, role - Path: none - Query: none - Expect: none - Bindings: owner.id <- payer.customerId 4. `sandbox_account_fund` - Actor: product - Action: platform write - Route: `POST /v1/sandbox/account-funding`, scopes transfer:write, idempotency required, receipt yes - Body: amount, currency, destinationAccountId - Path: none - Query: none - Expect: none - Bindings: destinationAccountId <- source.accountId 5. `sandbox_customer_onboard` - Actor: product - Action: platform write - Route: `POST /v1/sandbox/customer-onboarding`, scopes customer:write, idempotency required, receipt yes - Body: displayName, productId - Path: none - Query: none - Expect: none - Bindings: none 6. `sandbox_customer_access_activate` - Actor: product - Action: platform write - Route: `POST /v1/sandbox/customer-access/{customerAccessId}/activate`, scopes customer:write, idempotency required, receipt yes - Body: none - Path: customerAccessId - Query: none - Expect: none - Bindings: customerAccessId <- payee.customerAccessId 7. `account_create` - Actor: product - Action: platform write - Route: `POST /v1/accounts`, scopes account:write, idempotency required, receipt yes - Body: currency, owner, role - Path: none - Query: none - Expect: none - Bindings: owner.id <- payee.customerId 8. `internal_transfer_reserve` - Actor: product - Action: platform write - Route: `POST /v1/internal-transfers/reserve`, scopes transfer:write, idempotency required, receipt yes - Body: amount, currency, destinationAccountId, memo, sourceAccountId - Path: none - Query: none - Expect: none - Bindings: sourceAccountId <- source.accountId, destinationAccountId <- destination.accountId 9. `internal_transfer_post` - Actor: product - Action: platform write - Route: `POST /v1/internal-transfers/{transferId}/post`, scopes transfer:write, idempotency required, receipt yes - Body: none - Path: transferId - Query: none - Expect: none - Bindings: transferId <- transfer.transferId ## Cost Cost table version 2026-09-02.1. Flat amounts are multiplied by the action count; basis points price the meter's moved amount, which an action count does not determine. | Instrument | Action | Effect | Meter | Flat per action | Rate on meter | 1,000 per month | 100,000 per month | 10,000,000 per month | | --- | --- | --- | --- | --- | --- | --- | --- | --- | | `claim` | `approve` | `decides.insurance_claims_adjuster` | `instrument.event.count` | 0.00 SAR | 0 bps | 0.00 SAR | 0.00 SAR | 0.00 SAR | | `claim` | `approve` | `holds.reserve` | `instrument.event.count` | 0.00 SAR | 0 bps | 0.00 SAR | 0.00 SAR | 0.00 SAR | | `claim` | `approve` | `moves.transfer.internal` | `transfer.internal.volume_sar` | 0.75 SAR | 11 bps | 750.00 SAR | 75,000.00 SAR | 7,500,000.00 SAR | | `claim` | `attest` | `decides.tenant_port` | `instrument.event.count` | 0.00 SAR | 0 bps | 0.00 SAR | 0.00 SAR | 0.00 SAR | | `claim` | `attest` | `holds.reserve` | `instrument.event.count` | 0.00 SAR | 0 bps | 0.00 SAR | 0.00 SAR | 0.00 SAR | | `claim` | `attest` | `moves.transfer.internal` | `transfer.internal.volume_sar` | 0.75 SAR | 11 bps | 750.00 SAR | 75,000.00 SAR | 7,500,000.00 SAR | | `claim` | `create` | `reads.requires_refs` | `instrument.event.count` | 0.00 SAR | 0 bps | 0.00 SAR | 0.00 SAR | 0.00 SAR | | `claim` | `pay` | `moves.transfer.internal` | `transfer.internal.volume_sar` | 0.75 SAR | 11 bps | 750.00 SAR | 75,000.00 SAR | 7,500,000.00 SAR | | `claim` | `reverse` | `moves.transfer.internal` | `transfer.internal.volume_sar` | 0.75 SAR | 11 bps | 750.00 SAR | 75,000.00 SAR | 7,500,000.00 SAR | | `flight_booking` | `amend_collect` | `moves.transfer.internal` | `transfer.internal.volume_sar` | 0.75 SAR | 11 bps | 750.00 SAR | 75,000.00 SAR | 7,500,000.00 SAR | | `flight_booking` | `amend_fee` | `moves.transfer.internal` | `transfer.internal.volume_sar` | 0.75 SAR | 11 bps | 750.00 SAR | 75,000.00 SAR | 7,500,000.00 SAR | | `flight_booking` | `amend_refund` | `moves.transfer.internal` | `transfer.internal.volume_sar` | 0.75 SAR | 11 bps | 750.00 SAR | 75,000.00 SAR | 7,500,000.00 SAR | | `flight_booking` | `cancel_confirm` | `moves.transfer.internal` | `transfer.internal.volume_sar` | 0.75 SAR | 11 bps | 750.00 SAR | 75,000.00 SAR | 7,500,000.00 SAR | | `flight_booking` | `cancel_quote` | `holds.quote` | `instrument.event.count` | 0.00 SAR | 0 bps | 0.00 SAR | 0.00 SAR | 0.00 SAR | | `flight_booking` | `cancel_quote` | `schedules.expiry` | `instrument.event.count` | 0.00 SAR | 0 bps | 0.00 SAR | 0.00 SAR | 0.00 SAR | | `flight_booking` | `collect_penalty` | `moves.transfer.internal` | `transfer.internal.volume_sar` | 0.75 SAR | 11 bps | 750.00 SAR | 75,000.00 SAR | 7,500,000.00 SAR | | `flight_booking` | `complete` | `moves.transfer.internal` | `transfer.internal.volume_sar` | 0.75 SAR | 11 bps | 750.00 SAR | 75,000.00 SAR | 7,500,000.00 SAR | | `flight_booking` | `complete` | `schedules.due` | `instrument.event.count` | 0.00 SAR | 0 bps | 0.00 SAR | 0.00 SAR | 0.00 SAR | | `flight_booking` | `confirm` | `decides.air_carrier` | `instrument.event.count` | 0.00 SAR | 0 bps | 0.00 SAR | 0.00 SAR | 0.00 SAR | | `flight_booking` | `confirm` | `moves.transfer.internal` | `transfer.internal.volume_sar` | 0.75 SAR | 11 bps | 750.00 SAR | 75,000.00 SAR | 7,500,000.00 SAR | | `flight_booking` | `confirm` | `schedules.deadline` | `instrument.event.count` | 0.00 SAR | 0 bps | 0.00 SAR | 0.00 SAR | 0.00 SAR | | `flight_booking` | `create` | `reads.requires_refs` | `instrument.event.count` | 0.00 SAR | 0 bps | 0.00 SAR | 0.00 SAR | 0.00 SAR | | `flight_booking` | `expire` | `schedules.due` | `instrument.event.count` | 0.00 SAR | 0 bps | 0.00 SAR | 0.00 SAR | 0.00 SAR | | `flight_booking` | `package_cancel` | `moves.transfer.internal` | `transfer.internal.volume_sar` | 0.75 SAR | 11 bps | 750.00 SAR | 75,000.00 SAR | 7,500,000.00 SAR | | `flight_booking` | `package_cancel` | `schedules.due` | `instrument.event.count` | 0.00 SAR | 0 bps | 0.00 SAR | 0.00 SAR | 0.00 SAR | | `hotel_stay` | `amend_collect` | `moves.transfer.internal` | `transfer.internal.volume_sar` | 0.75 SAR | 11 bps | 750.00 SAR | 75,000.00 SAR | 7,500,000.00 SAR | | `hotel_stay` | `amend_fee` | `moves.transfer.internal` | `transfer.internal.volume_sar` | 0.75 SAR | 11 bps | 750.00 SAR | 75,000.00 SAR | 7,500,000.00 SAR | | `hotel_stay` | `amend_refund` | `moves.transfer.internal` | `transfer.internal.volume_sar` | 0.75 SAR | 11 bps | 750.00 SAR | 75,000.00 SAR | 7,500,000.00 SAR | | `hotel_stay` | `cancel_confirm` | `moves.transfer.internal` | `transfer.internal.volume_sar` | 0.75 SAR | 11 bps | 750.00 SAR | 75,000.00 SAR | 7,500,000.00 SAR | | `hotel_stay` | `cancel_quote` | `holds.quote` | `instrument.event.count` | 0.00 SAR | 0 bps | 0.00 SAR | 0.00 SAR | 0.00 SAR | | `hotel_stay` | `cancel_quote` | `schedules.expiry` | `instrument.event.count` | 0.00 SAR | 0 bps | 0.00 SAR | 0.00 SAR | 0.00 SAR | | `hotel_stay` | `collect_penalty` | `moves.transfer.internal` | `transfer.internal.volume_sar` | 0.75 SAR | 11 bps | 750.00 SAR | 75,000.00 SAR | 7,500,000.00 SAR | | `hotel_stay` | `complete` | `moves.transfer.internal` | `transfer.internal.volume_sar` | 0.75 SAR | 11 bps | 750.00 SAR | 75,000.00 SAR | 7,500,000.00 SAR | | `hotel_stay` | `complete` | `schedules.due` | `instrument.event.count` | 0.00 SAR | 0 bps | 0.00 SAR | 0.00 SAR | 0.00 SAR | | `hotel_stay` | `confirm` | `decides.lodging_supplier` | `instrument.event.count` | 0.00 SAR | 0 bps | 0.00 SAR | 0.00 SAR | 0.00 SAR | | `hotel_stay` | `confirm` | `moves.transfer.internal` | `transfer.internal.volume_sar` | 0.75 SAR | 11 bps | 750.00 SAR | 75,000.00 SAR | 7,500,000.00 SAR | | `hotel_stay` | `confirm` | `schedules.deadline` | `instrument.event.count` | 0.00 SAR | 0 bps | 0.00 SAR | 0.00 SAR | 0.00 SAR | | `hotel_stay` | `create` | `reads.requires_refs` | `instrument.event.count` | 0.00 SAR | 0 bps | 0.00 SAR | 0.00 SAR | 0.00 SAR | | `hotel_stay` | `expire` | `schedules.due` | `instrument.event.count` | 0.00 SAR | 0 bps | 0.00 SAR | 0.00 SAR | 0.00 SAR | | `hotel_stay` | `package_cancel` | `moves.transfer.internal` | `transfer.internal.volume_sar` | 0.75 SAR | 11 bps | 750.00 SAR | 75,000.00 SAR | 7,500,000.00 SAR | | `hotel_stay` | `package_cancel` | `schedules.due` | `instrument.event.count` | 0.00 SAR | 0 bps | 0.00 SAR | 0.00 SAR | 0.00 SAR | | `policy` | `activate` | `moves.transfer.internal` | `transfer.internal.volume_sar` | 0.75 SAR | 11 bps | 750.00 SAR | 75,000.00 SAR | 7,500,000.00 SAR | | `policy` | `activate` | `schedules.due` | `instrument.event.count` | 0.00 SAR | 0 bps | 0.00 SAR | 0.00 SAR | 0.00 SAR | | `policy` | `bind` | `decides.insurance_carrier` | `instrument.event.count` | 0.00 SAR | 0 bps | 0.00 SAR | 0.00 SAR | 0.00 SAR | | `policy` | `bind` | `moves.transfer.internal` | `transfer.internal.volume_sar` | 0.75 SAR | 11 bps | 750.00 SAR | 75,000.00 SAR | 7,500,000.00 SAR | | `policy` | `cancel` | `moves.transfer.internal` | `transfer.internal.volume_sar` | 0.75 SAR | 11 bps | 750.00 SAR | 75,000.00 SAR | 7,500,000.00 SAR | | `policy` | `create` | `reads.requires_refs` | `instrument.event.count` | 0.00 SAR | 0 bps | 0.00 SAR | 0.00 SAR | 0.00 SAR | | `policy` | `endorse` | `decides.insurance_carrier` | `instrument.event.count` | 0.00 SAR | 0 bps | 0.00 SAR | 0.00 SAR | 0.00 SAR | | `policy` | `expire` | `schedules.due` | `instrument.event.count` | 0.00 SAR | 0 bps | 0.00 SAR | 0.00 SAR | 0.00 SAR | | `policy` | `preview` | `holds.quote` | `instrument.event.count` | 0.00 SAR | 0 bps | 0.00 SAR | 0.00 SAR | 0.00 SAR | | `policy` | `preview` | `schedules.expiry` | `instrument.event.count` | 0.00 SAR | 0 bps | 0.00 SAR | 0.00 SAR | 0.00 SAR | | **Total flat** | | | | | | **17,250.00 SAR** | **1,725,000.00 SAR** | **172,500,000.00 SAR** |