Tinubu’s 2026 roadmap marks an important step forward in the modernization of Surety technology for the industry.
As carriers face increasing pressure to improve turnaround times, reduce operational friction, and unlock greater productivity, the industry’s digital priorities are becoming clearer. Automation, real-time data access, API-driven connectivity, and embedded AI are no longer emerging concepts. They are foundational to how leading firms are improving efficiency, consistency, and scalability.
Tinubu’s roadmap is built around these realities.
The platform’s evolution through 2026 centers on modernizing core capabilities, digitizing manual processes, and delivering smarter tools that help carriers move faster while strengthening control, visibility, and decision quality.
Here is what’s coming next from Tinubu .
Q1: Real-Time Data Access and Status Inquiry Automation
Real-Time Data Modernization
Carriers will gain real-time access to their critical data via API and events, a major upgrade from the previous once-daily refresh cycle. This means transaction data — new bonds, renewals, account information, and user profiles — can flow instantly and reliably into downstream agency management, billing, and policy systems. This eliminates delays and supports faster, better-informed business operations and decisions.
Status Inquiry
Status inquiries currently involve a manual, paper-heavy process that yields uneven results. Instead of printing, mailing, and then manually re-keying contractor performance reports, carriers will manage the entire status inquiry workflow within Tinubu. This will automate an inefficient administrative task, saving time and reducing errors.
“The Status Inquiry feature is the stepping stone towards digitizing a carrier's experience around Contract Bonds. This will drive efficiency and transparency in their operations,” says Rahul Guha, Tinubu Surety Chief Technology Officer.
Q2: A Modernized Bond Rating Engine, a new UI/UX and AI-Powered Bond Ingestion Engine
Modernized Rating Engine
This foundational upgrade delivers direct, impactful value. Carriers, especially in contract bonds, will gain nuanced control over premium calculations. Tinubu will support tier-level overrides both in percentage and absolute numbers, as well as total. This will not only allow carriers to achieve granular control over premiums but also drive transparency in their billing system.
The system will also display detailed tier data, which is crucial for accurate downstream commission calculations and billing.
New UI
Tinubu Surety is getting a new, modern look and feel. It includes a chat interface and virtual agent that is trained on customer-specific information to answer questions. If enabled, it will also have the ability to take actions in an agentic manner.
Bond Import & Ingestion Engine - AI Native Product
Roughly 30% of bonds in the U.S. are executed outside of carrier systems. Today, bringing those bonds into a carrier’s platform typically requires manual data entry, creating inefficiency, delays, and data quality issues.
The Bond Import & Ingestion Engine addresses this major operational gap in the Surety industry.
A significant share of bonds arrive as externally generated PDFs or email attachments, requiring staff to re-enter information into core systems manually. Tinubu’s AI-native converter transforms bond data from PDFs, emails, and other documents into structured data objects. These can then be imported directly into carrier platforms through APIs and event-driven workflows.
“By eliminating repetitive data entry, this AI converter reduces processing time, improves accuracy, and unlocks meaningful operational efficiency across Surety workflows,” says Jason Callison, Customer Solution Architect at Tinubu Surety.
The Bond Import & Ingestion Engine will be available both as a standalone product and as a native capability within the Tinubu Surety Carrier platform. This allows carriers to automatically ingest externally generated bonds while maintaining Tinubu as the central system of record for all Surety business.
Q3 and Beyond: Transforming the Underwriter Experience
Underwriter Workbench
Later this year, it will be easy to use Tinubu in either a bond-centric or account-centric manner, serving both sides of the user base more effectively. Agents and brokers interact with the system via bond transactions, making a bond-centric approach the natural fit — something the platform already supports well. Underwriters and carrier ops teams, who interact with the system through account management, will benefit from additional support being added to make that workflow easier.
To that end, the new Underwriter Workbench equips contract bond underwriters with integrated tools for risk analysis, financial assessment, and portfolio review — all directly within the system.
The goal is to enable underwriters to work entirely inside Tinubu, reducing reliance on external spreadsheets, eliminating duplicate data entry, streamlining complex decision-making and saving time. This shift improves efficiency and visibility across accounts.
“This is an era of AI. We can unleash the power of machine learning and AI to build the underwriter workbench natively inside Tinubu so that underwriters can get a holistic view of their portfolio and risk signal without going outside of the application,” says Guha.
Bond Importer
Bond Importer will enable carriers to import bonds written outside of Tinubu into their platform, allowing them to use Tinubu as their one system of record for all Surety Business. “It solves a serious pain point for our customers and will save them much grief and manual work,” says Guha.
Bond Importer solves a significant data entry backlog, ensures complete record-keeping, and captures premium value that was previously missed.
A Foundation for the Future
Beneath these customer-facing features lies a comprehensive technological modernization. “We are overhauling Tinubu's underlying tech stack into an AI native, API-first modern software platform,” says Guha.. “By doing this, we position ourselves to solve many other industry problems, meet customer needs much more quickly, and innovate in areas that AI and Machine learning finally allow us to,”
