SafetyWing Affiliate Program

10% recurring commission. Zero integration. 365-day cookie. Sign up at safetywing.com/ambassador. Targets digital nomads. Generates immediate revenue while deeper partnerships are negotiated. Use the affiliate link on the VoyaChat landing page and social channels.

Before any partner says yes, prepare these assets:

• Cambialeón case study one-pager — Monthly active users, conversion rates, customer satisfaction. This is your proof of execution.
• Company profile — Seldon Solutions S.L., CIF B26921650, Barcelona, team background, registration details.
• Volume projections — Conservative month 1/3/6/12 estimates. Year 1: 3,000 policies. Year 2: 18,000.
• Technical capability deck — API integration experience, WhatsApp Business API infrastructure, payment processing, data security (GDPR).
• Sample bot flow — Mockup of the 10-message conversation from "Hola" to policy PDF delivery.
• Regulatory status — Training enrollment proof, agente registration timeline, or confirmation that the carrier handles compliance.
• Data security — GDPR compliance plan, data processing agreement template, where data is stored (Hetzner, Germany).

WhatsApp User
     |
     | WhatsApp Business API (Meta Cloud API)
     v
VoyaChat Bot (Python/FastAPI) — Hetzner VPS :8003
  |-- Conversation Manager (Claude AI)
  |-- Quote Engine -------> Underwriter API (quote/bind)
  |-- Payment Handler ----> Stripe API (Payment Links + Bizum)
  |-- Policy Issuer ------> Underwriter API (issue/PDF)
  |-- Claims Handler -----> Underwriter API (claims)
     |
     v
PostgreSQL (voyachat schema) — sessions, policies, events
    

Build an abstraction layer (UnderwriterAdapter) so the bot is partner-agnostic. Each partner gets a concrete adapter implementing the same interface:

class UnderwriterAdapter(ABC):
    async def get_quote(trip: TripData) -> Quote
    async def bind_policy(quote_id: str, customer: Customer) -> Policy
    async def issue_policy(policy_id: str) -> PolicyDocument
    async def cancel_policy(policy_id: str, reason: str) -> Cancellation
    async def submit_claim(policy_id: str, claim: ClaimData) -> ClaimRef

class WakamAdapter(UnderwriterAdapter): ...
class AXAAdapter(UnderwriterAdapter): ...
    

This lets us launch with Wakam and add AXA/Allianz later without touching the bot logic.

Commission-based, not markup. VoyaChat earns 22-30% commission on the insurer's retail price. The customer pays the same price they would on the insurer's website — but buys in 3 minutes via WhatsApp instead of 15 minutes on a web form.

Blended average: EUR 12 commission per policy. Unit economics: CAC EUR 5, Stripe fees EUR 1.35, WhatsApp EUR 0.15, Claude EUR 0.08. Gross margin EUR 5.42 (45.2%). LTV:CAC ratio 3.8x.

• Sign up SafetyWing affiliate — safetywing.com/ambassador. 10% recurring, zero integration. Revenue from day 1.
• Register at developer.wakam.com — Self-service signup. Explore Play&Plug sandbox. Begin Fast Track application.
• Send Wakam partnership email — Use template above. Reference Fast Track programme.
• Send Allianz Partners Madrid email — Use template above. Also do LinkedIn outreach to Commercial Director.
• Send AXA Partners email — contactanos@partners.axa + axapartners.es/es/contacto ("Colaboracion profesional").
• Request AXA sandbox access — developers.axapartners.com/travel. Immediate access with dummy credentials.
• Register voyachat.com domain — If not already done.
• Enroll in 200h agente de seguros training — CECAS, INESE, or Escuela de Seguros. Online. EUR 300-800. Start immediately as a fallback even if Wakam handles compliance.

• Contact Qover — qover.com/get-in-touch. Pitch WhatsApp distribution.
• Contact MAPFRE/MAWDY — Call +34 91 581 18 23 + mawdy.com/en/contact form.
• Prepare Cambialeón case study one-pager — MAUs, conversion rates, satisfaction scores. Essential for all partner conversations.
• Prepare sample bot flow mockup — 10-message conversation from "Hola" to policy PDF. Screenshots or video.
• LinkedIn outreach — Find and connect with partnership/commercial directors at all 5 Tier 1 targets.
• Follow up on Wakam Fast Track — If no response in 5 business days, follow up.
• Begin Wakam sandbox integration — If Fast Track accepted, start API integration immediately.
• Set up VoyaChat Stripe account — Separate account or sub-account under Seldon Solutions.
• Apply for WhatsApp Business API number — Separate from Cambialeón, or request additional number on same BSP.

• Complete first partner commercial agreement — Target: Wakam (3-week Fast Track) or whichever responds fastest.
• Build underwriter API adapter — Abstract layer + first concrete implementation (Wakam or AXA).
• Build IPID delivery flow — Pre-contractual information document via WhatsApp (IDD requirement).
• Build needs assessment flow — IDD-compliant demands & needs questions in the bot conversation.
• Build policy PDF generation — Branded PDF from underwriter data using WeasyPrint + Jinja2.
• Build claims submission flow — Photo upload, document collection via WhatsApp.
• End-to-end testing with partner sandbox — Full flow: WhatsApp message to policy PDF delivery.
• Complete 200h training — If taking the agente exclusivo path (continue even if Wakam handles compliance).
• Set up affiliate program infrastructure — Tracking links, commission payouts for travel influencers.

• Soft launch (week 11) — 50-100 beta users. Friends, family, Cambialeón users. Real policies.
• Monitor and fix — Conversion funnel, error rates, payment completion, policy delivery.
• Collect testimonials — First satisfied customers for marketing.
• Public launch (week 12+) — Open to all. Google Ads live. Social media campaign begins.
• Begin influencer outreach — Spanish travel bloggers/YouTubers. 15-20% commission share.
• SEO content publishing — Destination guides, travel insurance tips, comparisons.
• Target: 50-100 policies in launch month