Tinubu, the leading provider of surety and trade credit software, today announced it is developing the first AI-native surety management system — a platform designed from the ground up to integrate and automate the full surety workflow across brokers and carriers.

Unlike legacy systems that bolt AI onto existing architectures, Tinubu’s AI-native approach embeds intelligence at every layer of the surety lifecycle — from submission and underwriting to bond issuance, renewal, and claims. The result is a unified system that eliminates the fragmented, manual processes that have long defined surety operations.

“Surety has been underserved by technology for decades,” said Olivier Placca, CEO of Tinubu. “Brokers are still emailing PDFs. Carriers are manually rekeying data. The entire workflow is held together by spreadsheets and institutional knowledge. We’re building the system that finally fixes that — not by digitizing the old process, but by reimagining it with AI at the core.”

The platform is being built to serve both sides of the surety market simultaneously:

For brokers: Automated submission intake, real-time status tracking, AI-assisted document preparation, and direct connectivity to carrier systems — eliminating the back-and-forth that slows bond issuance.

For carriers: Intelligent triage of incoming submissions, automated underwriting support for standard risks, integrated exposure monitoring, and streamlined renewal workflows — enabling underwriters to focus on complex risks that require human judgment.

By connecting brokers and carriers on a shared platform, Tinubu eliminates the redundant data entry, miscommunication, and processing delays that currently cost the industry significant time and money.

Tinubu’s AI-native system is being developed with direct input from surety professionals across the market. The company is currently working with select broker and carrier partners to validate workflows and refine the AI models ahead of broader availability.

“This isn’t a feature announcement — it’s a platform strategy,” said Placca. “We’re building the operating system for surety, and we’re doing it the right way: with the people who actually do this work every day.”