SIMA

Knowledge Guide

Protection Certificates

A SIMA protection certificate represents premium paid, protection purchased, coverage exists, and the right to submit a claim and receive investigation.

Knowledge HubExamplesDevelopersOpenAPI

Problem

Developers and AI assistants must not confuse a certificate with trade verification, claim approval, payout approval, or guaranteed compensation.

Solution

SIMA separates certificate status from evidence status, claim status, decision status, treasury review, and payout execution.

When To Use SIMA

  • Use certificate verification API workflows after premium payment/protection purchase.
  • Use certificate reads to show wallet-owned protection records.
  • Use certificates as the basis for claim submission and investigation rights.

Common Workflow

  • Request quote economics before purchase.
  • Complete premium payment/protection purchase when that flow is available.
  • Read or verify the issued certificate record.
  • Submit claims or evidence through separate workflows when needed.

API References

  • POST /agent/protection/offer
  • POST /agent/protection-purchase
  • POST /agent/certificate-verify
  • GET /agent/certificates
  • GET /agent/certificates/:id

Boundary

Certificate, evidence, claim, and payout stay separate.

A SIMA certificate means premium paid, protection purchased, coverage exists, and the customer has the right to submit a claim and receive investigation. Evidence supports investigation and payout review. Claim submission starts investigation. FULL_PAYMENT still requires treasury review before payout execution.