Pauta enables you to define products, evaluate business rules, and calculate complex pricing from a governed platform. Insurance, lending, investments, retail, or telecom: product, pricing, and risk operating on the same foundation.
How much revenue is being delayed because a pricing rule, business rule, or product is still waiting for development?
A Hábil product · 20 years building mission-critical software for insurance, banking, retail, and enterprise
Every new product, rate, coverage, add-on, business rule, or discount depends on multiple teams. When that logic lives in Excel and code, the business loses speed, traceability, and margin control.
“Premiums change based on coverage, territory, deductible, insured amount, age, effective date, and distribution channel. This is not a simple change.”
Insurance logic combines actuarial tables, eligibility rules, coverages, surcharges, exclusions, and regulatory requirements. If everything lives in code or Excel, every adjustment becomes a project.
“Monthly payments change based on down payment, term, credit score, vehicle, embedded insurance, and campaign.”
A financial simulator does more than calculate an interest rate. It must integrate financed capital, interest, insurance, commissions, APR (CAT), credit life insurance, and approval rules.
“A promotion impacts price, VAT, shipping, commissions, inventory, and margins.”
Pricing depends on SKU, volume, sales channel, membership, region, coupons, and availability rules. Updating a promotion should not require changes to the transactional core.
“Customers don't buy just a plan; they buy a plan, device, add-ons, contract term, roaming, and discounts.”
The actual offering is a combination of components that varies by channel, region, portability, and campaign. Pauta lets you model these combinations without rebuilding your sales channels.
“We don't lose because we lack ideas; we lose because our systems can't keep up with the market.”
When product, pricing, and risk depend on long technical cycles, strategy arrives too late and margins are managed with limited visibility.
The problem is always the same: complex products managed with rigid tools. The scale changes: from an affinity insurance product to a multi-line portfolio, an auto loan, or a telecom offering with hundreds of possible combinations.
Define components, coverages, bundles, add-ons, attributes, limits, effective periods, and variations by channel or customer segment.
Import tables, define factors, effective dates, formulas, eligibility rules, validations, discounts, surcharges, and review thresholds.
Pauta evaluates the request, calculates pricing, returns a detailed breakdown, identifies exceptions, and keeps a fully auditable record of every decision.
Configurable Product
Components, coverages, bundles, and add-ons
Versioned Rates
Tables, factors, effective dates, and controlled surcharges
Auditable Rules
Eligibility, restrictions, enrichments, and referrals
Complete Breakdown
Pricing explained by component and factor
Pauta combines Hábil's three core engines so complex products can be defined, evaluated, priced, and audited without rebuilding systems for every business line.
Which rate, factor, and effective date were used for this quote?
Why was this coverage excluded or referred for underwriting?
What is the premium breakdown by coverage, surcharge, and discount?
How does the monthly payment change if I adjust the term, down payment, or credit score?
Which combination of plan, device, add-on, and contract term did the customer receive?
Organize products, catalogs, tables, and reference data. What used to be a critical spreadsheet or an isolated table becomes a governed source of information that can be consumed across all your channels.
Evaluate eligibility, restrictions, enrichments, blocks, discounts, surcharges, referrals, and approvals. Every rule can be versioned, traced, and audited.
Calculate premiums, monthly payments, costs, returns, add-ons, taxes, and commissions using strategies tailored to each industry: multiplicative, actuarial, amortization, compound interest, or manual referral.
Auto, life, home, property, GMMI, dental, vision, personal accident, affinity, fleet, and middle-market insurance. Pauta models coverages, insured amounts, deductibles, territories, surcharges, actuarial tables, underwriting referrals, and eligibility rules.
Auto loans, personal loans, payroll loans, and financial simulators. Calculate monthly payments, interest, embedded insurance, commissions, APR (CAT), and rules based on term, down payment, customer profile, and credit score.
Investment funds, return scenarios, investor profiles, scoring, digital onboarding, and compliance rules. Simulate, validate, and explain financial decisions.
Pricing by SKU, volume, sales channel, season, membership, coupon, inventory, shipping, taxes, and commissions. Pauta returns both the total amount and a detailed cart breakdown.
Plans, devices, add-ons, roaming, portability discounts, contract terms, and taxes. Pauta models product combinations without rebuilding your sales channels.
You need to launch and update products, coverages, bundles, promotions, or plans without waiting months for every change.
You need tables, factors, business rules, and methodologies to reach production with accuracy, version control, governance, and full traceability.
You need to adjust pricing by channel, segment, campaign, or customer profile without losing visibility into margins or pricing breakdowns.
You need every channel to execute the same process consistently, with clear evidence of what decision was made and why.
You need to turn your business logic into a competitive advantage—not an endless development backlog.
Pauta is Retícula's product and pricing module: you start with it and, when you need to, add the rest of the platform on the same foundation. Tell us which product, pricing rule, business rule, or simulator is slowing you down, and we'll show you how to turn it into a configurable and fully traceable operation.
Prefer to talk first?
Pauta by Hábil · hola@habil.mx
