Building hand-in-hand with Australian brokerages

more done – folded into your business.

AI agents you approve.
Intelligence that compounds.

It does your brokerage's busywork, gets to know how your business runs, and helps you do more without doing more.

Request access See how it works

proposed

Issue certificate of currency

for Coastline Plumbing Pty Ltd · public liability

Confirms cover to 14 Jun 2027.
Insured: Coastline Plumbing Pty Ltd
Limit: $20,000,000 any one occurrence

policy active limit matches request broker AR# present

Approve & issue Edit Decline

audit trail

09:24 captured request · email from ops@coastline…
09:24 matched policy PL-44192 in Sunrise
09:25 drafted certificate · 3 checks passed
09:25 → awaiting approval · Ryan, AR 001234

Sound familiar?

Most of your day isn't broking.

The advice is the easy part. It's everything around it that eats the day.

re-keying
The same details, three times.

You key a client into WinBEAT, then Sunrise, then INSIGHT. More time typing than advising.
before it goes out
Nothing checks the work first.

No one flags that a certificate or renewal is missing something before it goes out. In broking, a gap is not a typo. It is a breach.
proving it
Proving you did it right takes days.

When ASIC or AFCA asks you to show your work, you rebuild the file by hand, email by email.
key-person risk
It all lives in one head.

When the broker who knows the account is on leave, the work waits. The context is in their inbox, not your business.

None of it is the actual advice. It's just what sits between you and more of it.

How it works

AI proposes. A licensed broker approves. Every step is audited.

Morefold drafts the work and holds it for a person, like the certificate above. Around that loop, two things you'll lean on: answers you can trace to their source, and the time it hands back, measured.

which clients renew in July without updated sums insured?

Three clients renew in July with sums insured unconfirmed since last year:

Coastline Plumbing Pty Ltd · renews 14 Jul 1
Harbour View Strata SP 4471 · renews 22 Jul 2
Brightwater Café Pty Ltd · renews 28 Jul 1

Drafted an update request for each. None sent yet.

sources

1 Sunrise · renewals export21 Jun

2 INSIGHT · client note3 Apr

Ask, and get answers you can trace

Plain-English questions answered from your own systems (WinBEAT, Sunrise, INSIGHT, email), with a citation on every fact, and nothing sent on its own.

142

runs

~38 hrs

returned

~$2,470

labour value

hours returned by task

Certificates of currency 14 hrs

Renewal preparation 11 hrs

Client data entry 8 hrs

File notes & compliance 5 hrs

↗ +18% vs last month · figures illustrative

See the time it hands back

Every run is measured, so the hours and labour value returned sit in front of you each month, not a leap of faith.

What generic AI can't give you

Two things a chatbot can't do.

Plenty of tools can draft an email. In a regulated business, drafting was never the hard part. These two are.

01 · Approval

AI drafts. You approve. Nothing leaves unchecked.

A licensed broker approves or edits every action before it happens. Generic AI sends, then apologises. Morefold proposes, then waits for you. The accountable human stays in the loop by design, not as an afterthought.

Nothing clears the middle step on its own.

02 · Compliance

Every step leaves an audit trail.

Capture, draft, check, approval: each recorded as it happens. So when ASIC, AFCA, or a client asks you to show how something was handled, the answer is a click, not a week of digging.

renewal · Harbour View Strata SP 4471

09:02 captured renewal notice · insurer email
09:02 matched policy PL-88231 · INSIGHT
09:03 flagged sum insured unconfirmed · since 2024
09:03 drafted client update · held for approval
09:11 approved & sent Ryan, AR 001234

Export evidence pack ASIC · AFCA ready

This is the part generic AI can't give you. It's also the part that matters most in your world.

Compounding intelligence

It gets sharper every week.

Every action you approve teaches it how your brokerage actually works: your clients, your insurers, your tone, the checks you would run yourself. That knowledge stays in the business. When someone goes on leave or moves on, what they knew doesn't leave with them.

your brokerage's brain

capture It reads your systems and the work flowing through them.

memory It keeps what it learns as your brokerage's own context.

closed loop Every approval sharpens the next proposal.

The longer it runs, the more it gets right the first time.

This is the part that compounds, and the reason it's worth starting now rather than later.

Who it's for

Built for one kind of business.

We would rather be exactly right for a few brokerages than vaguely useful to everyone.

Built for

Australian insurance brokerages, on an AFSL or as an authorised representative.
Small, operationally-heavy teams who feel every hour of admin.
Brokers who want more capacity without more headcount.
Owners who want a licensed person in control of every action.

Not for

Enterprises wanting a twelve-month rollout and a procurement cycle.
Anyone after a self-serve toy to bolt on and forget.
Replacing your brokers. This is leverage for them, not instead of them.
Regulated advice. Morefold is software, and your licensed broker still advises.

Founder note

I'm Ryan. I'm a software engineer, and I'm building Morefold.

For the better part of a decade I've built the kind of software other professionals lean on every day: the dependable, unglamorous sort that has to be right.

I'm building it the slow way, hand-in-hand with a real brokerage rather than guessing from the outside. Cipher is run by two licensed brokers, Jack and Brady, and they tell me where the admin actually hurts. So Morefold is shaped around how broking really works, not how software people imagine it does.

Here is what I believe. In a regulated business, the interesting thing about AI isn't how much it can do on its own. It's how much it can do with a licensed person in control of every action, and a record of every step. That restraint is the whole design, not a limit on it.

We're pre-launch, and I would rather show you the approval gate and the audit trail than ask you to trust a demo. If that's how you would want this built, I'd like to talk.

Ryan Founder, Morefold

FAQ

Straight answers.

What is Morefold?

Morefold builds AI agents for regulated, document-heavy businesses, starting with Australian insurance brokerages. The agents take on the busywork, learn how your business runs, and propose the next action, which a licensed person approves before anything happens. Every step is audited.

Who is Morefold for?

Regulated, document-heavy small businesses that want to scale capacity while keeping a licensed human in control of every action. We are starting with Australian insurance brokerages.

Is Morefold available today?

Morefold is in active development. We are building hand-in-hand with a small number of Australian brokerages as design partners. Access starts with a conversation, not a signup.

Does a human stay in control?

Yes. Agents propose; a licensed person approves before anything happens, and every action is recorded in an audit trail.

Which systems does Morefold work with?

Morefold is built to work with the systems brokers already use, like WinBEAT, Sunrise, and INSIGHT, plus email. We shape each integration with our design partner so it fits how the work actually flows. We are early, so the list of connectors is still growing.

Is this just ChatGPT for brokers?

No. A general chatbot drafts text and sends it. Morefold proposes an action, holds it for a licensed broker to approve or edit, and records every step in an audit trail. It also learns your brokerage over time. The approval gate and the audit trail are the difference, and they are exactly what a regulated business needs.

What does Morefold cost, and how do I get access?

Access starts with a conversation, not a signup. We are onboarding a small number of Australian brokerages as design partners while we build. If that sounds like you, request access and we will talk about whether it is a fit.

Request access

Built hand-in-hand with a few brokerages at a time.

We're onboarding a small number of Australian brokerages as design partners. It starts with a conversation, not a signup.

Email Ryan

AI agents you approve.Intelligence that compounds.

The same details, three times.

Nothing checks the work first.

Proving you did it right takes days.

It all lives in one head.