One-Liner
A monthly-subscription income documentation service for Lagos motorbike delivery riders, using mobile-money transaction histories and platform ride-log data to produce court and NGO-ready proof of wage-loss when a rider is injured and unable to work.
AI Thinking Process
Uber exited Nigeria September 2. 40K displaced drivers migrating to Bolt/inDrive. Lagos motorbike delivery riders have no formal injury insurance and struggle to prove wage-loss to NGOs/aid societies.
Lagos delivery rider breaks collarbone, out of work 3 weeks. No documentation of prior earnings; aid society requires 3-month bank statements he doesn't have.
Impossibility Negation: questioned assumption 'cannot insure informal workers without formal payroll.' OPay, Palmpay, Kuda mobile-money + Bolt/inDrive ride-log APIs provide machine-verifiable income records. Product: wage-loss documentation vault, ₦500/month, generates court/NGO-ready evidence.
Turaco (Kenya, embedded microinsurance), BIMA, Pula (agri), Curacel, MyCoverGenius. G234 mandatory local-market check: Turaco expanded to Nigeria 2024, offers rider-specific coverage with Bolt partnership.
Pivot to documentation-vault layer only (not insurance itself) — portable across platforms. G231 incumbent-absorption risk: Turaco can add this feature in-app.
G002 (Turaco already serves) + G231 (feature-absorption from incumbent). Non-transport informal workers pivot also blocked by Turaco public roadmap expansion.
Kill Reason
Turaco expanded to Nigeria in 2024 and offers rider-specific microinsurance coverage with a Bolt partnership, directly serving the product's target market. The standalone documentation-vault layer would be absorbed as an in-app feature by Turaco or another insurtech incumbent. Pivot to standalone documentation service (portable across platforms) was blocked by G231 — Turaco can add this feature within one sprint.
Risk Analysis
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