Excel Rater Conversion
Your Excel rater is your business logic.
Why is it still in Excel?
Oyyo compiles your rater into a live, auditable AI rater. No coding. No mapping. No 12-month project.
The scenario you know too well
3,000 rows of nested IF statements. One person understands it.
Your best rater has been built up over years. It started as a simple spreadsheet — base rate times a few factors. Then came the territory adjustments. Then the class code lookups. Then the loss ratio modifiers, the schedule credits, the minimum premiums per state, the surcharges, the package discounts.
Now it's 3,000 rows of nested IF statements across 14 tabs. It breaks every quarter when someone adds a new class code. Nobody on the team fully understands how the territory blending works. And the actuary who built it is thinking about retiring.
Every quote depends on this file. Every premium calculation runs through it. It's the single most important piece of intellectual property in your operation — and it lives in a spreadsheet that crashes when two people open it at the same time.
How Oyyo turns Excel into a live app
Send us the Excel file
Your rater — however complex it is. 3,000 rows, 14 tabs, nested lookups, VLOOKUP chains, circular references. We've seen them all. We'll take it exactly as-is.
We compile it into auditable, deterministic format
Our engineering team maps every formula, lookup table, conditional, and edge case into auditable format. This isn't AI-generated guesswork — it's a direct compilation of your exact business logic.
Your rater goes live as a web app
Your team uses it in the browser. AI uses it in the Journal. Both get the same deterministic result every time. Submission data flows in from AI extraction — no manual data entry. Premium calculates automatically.
Every calculation has an audit trail
Every input, every intermediate step, every output is logged in the Unified Journal. Your actuaries can trace any premium back to the exact factors that produced it. Your capacity providers can verify any calculation.
Before and after
Before
After
An important distinction
Deterministic means your exact math. Not AI-generated math.
When we say "deterministic," we mean it literally. The same inputs produce the same output every time — because the logic is compiled from your exact formulas, not generated by an AI model.
AI is powerful for reading documents, extracting fields, and enriching data. But your premium calculation is not a place for probabilistic guesswork. Your actuary defined the math. Your capacity provider approved the math. The math is the math.
Oyyo compiles your formulas into an auditable, proprietary format — a lightweight, auditable expression language. Every rule is traceable. Every factor is visible. Your actuaries can verify every calculation against the original Excel. If a number doesn't match, you'll know exactly which expression to check.
Bring your Excel rater to the call.
We'll walk through your formulas and show you exactly how the compiled version works — live, on the call.
We build your first app on the call
We build your clearance app — live
Tell us your product line. We build a working submission intake and clearance app in front of you. No coding. Takes about 2 minutes.
Process your real submission
Bring an ACORD, SOV, or loss run. We drop it in. Watch 190+ fields get extracted with confidence scores in seconds.
Your rater, live
Bring your Excel rater — we turn it into a live AI rater. Or we build a new one from your guidelines on the spot.
Walk out with a working app
Not a demo. Not a slideshow. You leave with a real workspace your team can start using. No technical knowledge needed.
Andriy, Founder
No slides. No pitch deck. Straight to your data.