# Insly AI: Dynamic Pricing Engine

Ando Kivilaid built Insly's dynamic pricing engine — a sub-100ms microservice layer that combines machine-learning loss predictions with classical actuarial rating grids. The system increased auto-binding rates from 22% to 68% while keeping loss ratios bounded, and let insurers deploy new risk-adjusted algorithms in days instead of months.

Auto-binding 22% → 68% · sub-100ms pricing