Bill small premiums without the fee drag

Each period your broker system issues a renewal invoice and the policyholder pays it from their wallet — for 24-month expat cover, that's 24 monthly renewal invoices. There's no card number to expire, no BIN to rotate, and no stored card or standing allowance: the policyholder pays each invoice when it's due. Cancelling is just not paying the next one — there's nothing to revoke. Settlement confirms on the networks your policyholders hold, typically in seconds on Base or Polygon.

Then the renewal invoice goes unpaid until the policyholder tops up and pays it. Your broker management system sees the invoice still open, emits a pay-reminder email, and keeps it payable for whatever grace window your policy terms allow. Cover terms decide whether the policy lapses on day 1 or day N of non-payment — your call, written in the policy. The failed-payment reminder is also concrete — pay this invoice — rather than the abstract update-your-payment-method.

Denied-claim disputes on travel insurance never come from the payment processor on wallet rails — confirmed on-chain transfers don't reverse. The policyholder's path against a denied claim runs through your appeals process and any applicable insurance regulator (a state insurance commissioner in the US, the FCA in the UK, the equivalent elsewhere). The "service not received" chargeback path that retroactively pulls premium months after the term ended is structurally unavailable. Internally, you treat denial appeals as a service workflow tied to the original policy ID — your case-management system tracks the appeal, your underwriting team makes the call, and any goodwill refund is an outbound wallet transfer from the dashboard. Paymos only charges its percentage on a settled premium; if you do issue a goodwill refund, there's no extra platform fee layered onto it.

No — Paymos is the payment rail, not the insurance broker. State-by-state broker licensing, surplus-line authority, and per-jurisdiction carrier appointments are still your responsibility (or your carrier's, depending on the structure). Paymos handles the premium-collection rail; the insurance regulatory leg is a separate workstream that stays with you.

Yes — that's the most common broker setup. Premium settles into a treasury wallet in USDC, USDT, USD1, or DAI; your treasury converts to local fiat on its own schedule via an OTC desk or exchange relationship, then pays carrier premium float per the carrier-payable terms. The wallet leg handles the customer-payment surface; the fiat conversion happens on your treasury's preferred exchange rate, not the processor's.

For small monthly premiums, Base and Polygon dominate — fees under a cent make recurring economics work. For single-trip and cruise add-ons, USDT is the most-held stablecoin among traveller cohorts in the Middle East, North Africa, and parts of Southeast Asia where nomad cover is most popular; USDC is more common among Western digital-nomad cohorts. For a large annual expat prepay, Ethereum picks up trust share — the network fee is irrelevant on a big ticket. Let policyholders pick at checkout; they know which wallet holds their balance.