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gateVAG — Insurance Supervision Execution Gate
// IMMO.QUICK · GATEVAG · VAG · SOLVENCY II · SCR/MCR

No portfolio transfer, without a verified reserve.

gateVAG forensically seals that an insurance transaction passes six clusters, BaFin licence, capital adequacy, technical reserves, run-off transfer, Solvency II ratios, and executive liability forensics, before approval. Support for insurance undertakings, never a replacement for BaFin's own recognition.

Request Access → See the architecture
In one sentence: gateVAG checks every material insurance transaction against Solvency II capital ratios before approval, rather than leaving it to the next supervisory review.
✓ RELEVANT IF...
  • You operate as an insurance undertaking under BaFin supervision
  • You need to prove portfolio transfers or reserve changes before approval
✕ NOT RELEVANT IF...
  • You expect BaFin to automatically recognise the result as regulatory approval
  • No insurance undertaking or Solvency II-relevant metric is involved
// The problem

A capital ratio that only surfaces at the quarterly report is too late.

Solvency II requires SCR and MCR ratios well above 100 percent. gateVAG checks these ratios before every material transaction, not only at the next supervisory reporting cycle.

Executive liability forensics as the sixth cluster
Every board approval decision is sealed with a timestamp and decision basis, kept separate from the supervisory capital check itself.
// Architecture

6 clusters, checked sequentially.

Every cluster is dispositive (material_block_mode: true), a hit blocks bindingly, not merely for documentation.

CLUSTER 1
BaFin Licence
Checks the validity of the licence under §8 VAG for the specific insurance line of business.
bafin_license_valid · line_of_business_covered
CLUSTER 2
Capital Adequacy
Checks eligible own funds against the minimum capital requirement before the transaction.
eligible_own_funds · capital_requirement
CLUSTER 3
Technical Reserves
Checks the adequacy of reserves under the best-estimate principle plus risk margin.
best_estimate_calculated · risk_margin_included
CLUSTER 4
Run-Off Transfer
Checks BaFin consent and policyholder protection under §13 VAG for portfolio transfers.
bafin_consent_transfer · policyholder_protection_confirmed
CLUSTER 5
Solvency II Ratios (SCR/MCR)
Checks the SCR and MCR ratios after the transaction against the regulatory minimum ratios.
scr_ratio_pct · mcr_ratio_pct
CLUSTER 6
Executive Liability Forensics
Seals the board decision with a timestamp and information basis, kept separate from the capital check.
board_decision_sealed · decision_basis_documented
No case, no doubt
Every cluster returns its own sealed result. A single hit in an active cluster is enough to block the overall action.
// Test results

Two tested scenarios.

All values on this page are fictional test data and serve only to illustrate the gate logic.

Scenario C1C2C3C4C5C6 Verdict Latency
Life insurer, SCR 212%, MCR 498%, reserves verified, board decision sealedPASSPASSPASSPASSPASSPASSVAG_SEALED603ms
Portfolio transfer without BaFin consentPASSPASSPASSFAILnot evaluatednot evaluatedBLOCK_VG4_BAFIN_CONSENT_MISSING455ms
Cryptographic chain continuation
Every test produces a deterministic receipt_id, an input_snapshot_hash, an HMAC-SHA256 signature, and a merkle_link to the previous receipt. Persistence occurs in the gateVAGReceipt entity with a 10-year retention period.
// Clarification

What gateVAG is not.

  • Not automatic recognition by BaFin. The gate delivers a cryptographic proof, not regulatory approval.
  • Not a replacement for regulatory reporting. The gate seals the pre-check, it does not replace existing Solvency II reporting.

For insurance undertakings that want to make capital adequacy provable before approval.

Request Access → access@immoquick.eu
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