Who this is for
Insurers, banks and comparison platforms. And everyone whose sale depends on data held by another firm.
Why this matters here
Income protection is a typical case. Anyone who wants their income protection policy reviewed or compared needs the data of the existing contract, and that sits with the current insurer. For some cases the industry has its own routes, for many it does not. Then a sale depends on data held by another firm.
The route does not depend on regulation. EU rules on access to financial data set the framework. Within it, two firms can agree that a single record goes out with the customer’s consent, for a price if they wish. NemosGo supplies the route: consent, record and payment in one documented transaction.
What changes with NemosGo
Consent is a transaction, not a tick box. The customer permits exactly this data, for exactly this purpose, for exactly this period, to exactly one recipient. Both firms hold the same record, and withdrawal is itself a transaction that arrives at the other side.
The record can carry a price. Where two firms agree on it, it is paid for and documented per lookup, in the same transaction. It needs no account at the other firm and no monthly invoicing.
The assistant asks only within what was approved. A customer who has an assistant review their policy approves purpose, amount and period for it. Every lookup refers back to that approval.
Which products fit
- Delegated: the customer approves beforehand what for and for how long, for their assistant as for the firm that looks up the data. The receipt records what was permitted and belongs to the same transaction as the payment.
- Single purchase: the individual record. You set the price; payment and receipt happen in one step.
- Usage-based: paid data and information services per call. Every call carries its receipt, and that receipt names the customer, the department or the project.
Where our part ends
You transfer the data; NemosGo does not. What NemosGo supplies is the consent as a record, the payment for the lookup, and the proof that the two belong together. Duties to advise and inform in distribution stay with you.
In practice
- The approval with purpose, amount and period, and the purchase made under it. Built and demonstrable in a test application.
- A receipt for zero euros: a permission with no money moving is the same recorded transaction as a purchase. The case exists, a freelance writer has confirmed that her reviews may also be sold to AI agents, and that consent is recorded this way.
- Billing per call, with a receipt that names the customer, the department or the project. Recorded in the field test.
Nothing has run in financial services itself yet. What is described here was built and demonstrated in other settings.
Let’s talk
Tell us which record is holding up a sale at your end today. We will look at what could become a transaction.
What you bring, what the path to your first sale looks like and what it costs are set out under For sellers.