When customers buy something valuable, they need insurance. Large shops offer insurance on checkout. Small, specialised shops do not. They are too small to partner with insurers. Collectively, however, they account for ~50% of valuable items sales. Lyyna empowers banks to serve this large untapped market: Customers pay for large purchases digitally. A bank connects to Lyyna, which analyses the payment data. and enables the bank to offer their customer the insurance directly from her smartphone.