# PolicyPal

**Canonical:** https://apis.io/providers/policypal/  
**Website:** https://policypal.com  
**APIs profiled:** 0

PolicyPal is a Singapore-based InsurTech and digital insurance broker founded in 2016 by Val Yap that lets consumers buy, understand, and organize their insurance policies from a mobile app using OCR and rule-based policy digitization. Backed by 500 Global (500 Startups), PayPal Incubation, and Startupbootcamp FinTech, it was the first startup to graduate from the MAS FinTech Regulatory Sandbox and was acquired by Hong Kong's AMTD Digital in 2020. As of 2025 PolicyPal Pte. Ltd. and its entities (including PolicyPal Tech Pte. Ltd., Baoxianbaobao Pte. Ltd. and the ValueChampion brand) are no longer regulated by MAS, and the consumer website is undergoing a revamp. PolicyPal does not currently publish a public developer API, SDK, or documentation surface.

## Kin Score — 2.6 / 100 (minimal)

Scored 2026-08-21 under rubric 0.12.0. Trend: flat (+0.0 from 2.6).

| Facet | Score |
|---|---|
| Discoverability | 50.0 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 2.6 |
| Developer Ergonomics | 0.0 |
| Commercial Clarity | 0.0 |
| Access Clarity | 0.0 |

Regulatory layer — **Insurance**: 9.1 (matched via tags).

## Agent readiness — 0.0 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | no |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Unknown — onboarding: unknown, pricing: unknown, trial: no (confidence: low).

## Security (1)

- **Policypal Domain Security** — TLSv1.3

## Tags

Company, Insurtech, Fintech, Insurance, Insurance Broker, Personal Finance, Singapore

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/policypal/). Scores are computed from the provider's own public artifacts under a published rubric.