With the rapid growth of the global data economy, secure and efficient data exchange has become a key driver of digital transformation. Yet, challenges such as fragmented cross-domain collaboration, privacy and security concerns, lack of standards, and limited data monetization still hinder industry progress. Addressing these issues requires a secure, scalable, and efficient infrastructure for data sharing and utilization.
A few months ago, Hyperchain signed a cooperation agreement with the Wenzhou Municipal Data Group to participate in the national data infrastructure pilot program. Among several initiatives under this program, one notable breakthrough was achieved in the cross-domain scenario of “insurance + healthcare”: the launch of the Auto Insurance Medical Claims Fast-Track Platform.
In China, auto insurance includes a specific coverage for bodily injuries caused by traffic accidents. Traditionally, claimants were required to provide extensive paper-based documents such as medical records and treatment details—a time-consuming process that often led to disputes. The Auto Insurance Medical Claims Fast-Track Platform addresses these inefficiencies by leveraging blockchain and privacy-preserving computation technologies to connect data flows among the Wenzhou Municipal Health Commission, Wenzhou Data Group, public security authorities, and multiple insurers including China Life and PICC Property & Casualty.
Through a secure, user-consent-based authorization mechanism, claimants can grant insurers one-click access to their verified medical records. This allows insurers to automatically review and process claims, replacing repeated manual submissions with a single digital authorization. The result is significantly faster claim settlement, improved customer experience, and even value-added services such as upfront medical expense coverage to ease short-term financial burdens for policyholders.
The platform also enhances fraud detection by enabling end-to-end data transparency. With access to encrypted and authorized data, insurers can identify common fraudulent patterns such as duplicate claims, inflated treatment costs, or fabricated injury reports. This supports the development of intelligent claims management systems, helping insurers reduce losses and improve risk control.
At the same time, blockchain-based smart contracts ensure full traceability and auditability of data authorization, transfer, and usage, while privacy-preserving computation enables encrypted multi-party analysis without exposing raw data-addressing key regulatory requirements for secure cross-agency data sharing.
For a city like Wenzhou, with a population of over 9 million and tens of thousands of traffic injury cases annually, the model delivers both social and economic impact. Insurers benefit from reduced investigation costs and lower fraud rates, while millions of vehicle owners enjoy a streamlined claims experience, from initial filing to final settlement.
This pilot demonstrates how next-generation data infrastructure can unlock new value in highly regulated industries, setting a benchmark for the broader application of cross-domain trusted data exchange.