# Firefly Software

> Banking and insurance operations, run by AI agents and software.

Firefly runs defined operations within the limits you approve. Your team retains regulated authority and decides what falls outside those limits. Service scope and service levels are agreed for each engagement.

Service Blueprint and operating-model advisory are separate from operated services. Firefly OpenPlatform supplies business modules; the Firefly Framework family supplies the technology foundation.

## Services and operating model

- [Banking and insurance operations](https://fireflysoftware.io/index.md): Firefly runs lending and insurance operations end to end in software, with AI agents where they fit and your team on every decision that’s yours.
- [Operating-model advisory](https://fireflysoftware.io/advisory/index.md): Firefly advisory helps banks and insurers decide which operations to run in-house, delegate, or rebuild. Each decision becomes a service to contract, a deployment to accept, or a platform your teams own.
- [How Firefly operates your service](https://fireflysoftware.io/how-we-operate/index.md): How Firefly runs your operation: the method behind each step, the four paths a case can take, exceptions, decisions, and capacity.
- [Service pricing](https://fireflysoftware.io/pricing/index.md): How Firefly prices a service: the deployment scope, a recurring operating commitment, and accepted units of completed work.
- [Service levels and institutional control](https://fireflysoftware.io/service-levels-and-control/index.md): How a Firefly service agreement sets completion, quality, authority, exception handling, data responsibilities, and transition provisions.
- [Financial operations services](https://fireflysoftware.io/services/index.md): CreditOS, UnderwritingOS, ClaimsOS, PolicyOS, RiskOS, and the other Firefly services for banking, insurance, and financial operations.
- [Claims Operations](https://fireflysoftware.io/services/claimsos/index.md): ClaimsOS: Firefly runs the claims stages you choose, from FNOL and evidence to settlement administration. Coverage, reserves, and denials stay with your insurer.
- [Arrears and Collections Operations](https://fireflysoftware.io/services/collectionsos/index.md): CollectionsOS: Firefly works early arrears within your contact and treatment rules. Your team handles vulnerable customers and keeps settlement authority.
- [Credit Operations](https://fireflysoftware.io/services/creditos/index.md): CreditOS: Firefly turns loan applications into complete credit files, with KYB, spreading, and the credit memo. Your credit officer decides.
- [Financial Crime Operations](https://fireflysoftware.io/services/financialcrimeos/index.md): FinancialCrimeOS: Firefly triages alerts, investigates cases, and drafts the SAR or STR where a case needs one. Your MLRO or BSA officer decides what to file.
- [Customer and Business Onboarding](https://fireflysoftware.io/services/onboardingos/index.md): OnboardingOS: Firefly collects the evidence, runs KYC and KYB checks through your providers, and prepares each case for your reviewer’s decision.
- [Policy Operations](https://fireflysoftware.io/services/policyos/index.md): PolicyOS: Firefly processes issuance, endorsements, renewals, and cancellations in your policy system, with documents, return premium, and bordereaux reconciled.
- [Reconciliation Operations](https://fireflysoftware.io/services/reconcileos/index.md): ReconcileOS: Firefly matches transactions to records, investigates breaks, and prepares journals for your approval, cycle by cycle.
- [Risk and Actuarial Operations](https://fireflysoftware.io/services/riskos/index.md): RiskOS: Firefly prepares data, coordinates IFRS 9, CECL, and reserving runs on your models, and assembles evidence your experts sign off.
- [Loan Servicing Operations](https://fireflysoftware.io/services/servicingos/index.md): ServicingOS: Firefly runs loan servicing after funding, from boarding and payment allocation to payoff quotes and covenant monitoring. Priced per active account.
- [Insurance Underwriting Operations](https://fireflysoftware.io/services/underwritingos/index.md): UnderwritingOS: Firefly clears, completes, and prepares every submission, with the SOV and loss runs analyzed. Your underwriter decides on the risk.

## Industries

- [Banking and lending operations](https://fireflysoftware.io/industries/banking-lending/index.md): Managed credit preparation, loan servicing, arrears, and reconciliation services for banks, credit unions, and nonbank lenders.
- [Fintech and payments operations](https://fireflysoftware.io/industries/fintech-payments/index.md): Onboarding, investigation preparation, credit administration, and reconciliation services for fintech and payment businesses.
- [Insurance operations](https://fireflysoftware.io/industries/insurance/index.md): Insurance submission, policy, claims, reconciliation, and actuarial operations for carriers, MGAs, and service partners.

## Technology

- [The Firefly ecosystem](https://fireflysoftware.io/ecosystem/index.md): What Firefly services, OS applications, OpenPlatform, the framework ecosystem, and the Firefly Software Foundation each do.
- [Open technology for financial operations](https://fireflysoftware.io/openplatform/index.md): The open business capabilities and engineering foundations behind Firefly operations, connected to existing financial systems.
- [Architecture for operated financial services](https://fireflysoftware.io/openplatform/architecture/index.md): How Firefly connects channels, workflow, AI agents, systems of record, and evidence in a financial operation.
- [Deploy a Firefly operation](https://fireflysoftware.io/openplatform/get-started/index.md): Plan a Firefly deployment around a defined process, integrations, acceptance criteria, and controlled transition into operation.
- [OpenPlatform business capabilities](https://fireflysoftware.io/openplatform/modules/index.md): OpenPlatform capabilities for customers, agreements, payments, lending, and operational records, as Firefly services use them.
- [Firefly engineering frameworks](https://fireflysoftware.io/technology/frameworks/index.md): The Firefly frameworks behind our services: service engineering, integration, AI tasks, and workflow coordination.

## Perspectives

- [Build for the change you can’t yet see](https://fireflysoftware.io/perspectives/architecture-for-change/index.md): The Firefly perspective on modular architecture, business boundaries, and engineering for change.
- [Whitepaper: Delegate the work. Keep the decisions.](https://fireflysoftware.io/perspectives/delegate-the-work/index.md): Which banking and insurance operations to hand over, and how to keep the decisions. Firefly’s whitepaper, edition 3.0, in 30 pages.
- [Openness is an engineering decision](https://fireflysoftware.io/perspectives/open-by-design/index.md): Why Firefly contributes to open-source foundations and how openness informs enterprise software decisions.
- [What to agree before you delegate an operation](https://fireflysoftware.io/perspectives/operations-as-a-service/index.md): How Service as a Software changes the purchase of banking and insurance operations, with explicit authority, AI agents, and measurable outputs.

## Company and contact

- [About Firefly](https://fireflysoftware.io/company/index.md): Firefly, born in Spain, runs banking and insurance operations fully digitally, with AI agents and open technology.
- [Scope your first operation](https://fireflysoftware.io/contact/index.md): Discuss a defined banking or insurance operation with Firefly and scope the delivery requirements, service measures, and commercial model.
- [Privacy](https://fireflysoftware.io/privacy/index.md): How information is handled on the Firefly Software website.

## Optional

- [Full text](https://fireflysoftware.io/llms-full.txt): Public page content in one file.