What happened: how the Fidelidade X-ray was made

The X-ray of Fidelidade · the deck · how every X-ray is made · X-ray another name

This page shows what the agents did to make the X-ray of Fidelidade, in the order it happened. Every number comes from two files: the raw record of the search (data/xray/fidelidade/search/20261107T211645Z.json) and the X-ray itself (data/xray/fidelidade/xray.json).

Step 1 of 6

1. The ask

On 7 November 2026 at 21:16 UTC, xray@web-summit.dinis typed one line into the search tool (admin/tools/xray-search.mjs): "Fidelidade, Portuguese insurer, its AI and agent pilots", as a company. It was not typed at the booth: that path is still being built (WS-194).

The search tool is the orchestrator. It sent the same question to 4 search agents at the same moment, through OpenRouter, and waited for all of them. Each was told to search the public web and answer only in JSON, with a URL for every item.

  1. Perplexity search perplexity/sonar
  2. OpenAI search openai/gpt-5.4-nano:online
  3. Gemini search google/gemini-3.1-flash-lite:online
  4. OpenRouter web search anthropic/claude-haiku-5.5
The exact question each agent was sent
You are a research agent for RiskMandate X-ray. Subject (a company): "Fidelidade, Portuguese insurer, its AI and agent pilots".
Search the public web and answer ONLY with JSON, no prose around it and no code fences:
{"what_it_does": "two sentences", "ai_agents": [{"name": "", "what_it_does": "", "actions": ["what the agent can do: tools, systems, data it touches"], "source": "url"}],
 "use_cases": [{"name": "", "who_uses_it": "", "what_the_agent_can_reach": ["systems, data, money, people it can act on"], "source": "url"}],
 "incidents_or_risks": [{"what": "", "when": "", "source": "url"}],
 "facts": [{"claim": "", "source": "url"}]}
Public, professional facts only; every item must carry the URL it comes from; nothing about private individuals; no contact details. If you find nothing for a field, give an empty list.

Rebuilt from admin/tools/xray-ask.mjs with this run's subject and kind. The question has not changed since the first run.

Step 2 of 6

2. Each search agent's call

Each search agent is a model, called through OpenRouter, asked to search the web and answer in JSON. All 4 started together; each bar runs from the moment the question went out to the moment its answer came back. The whole fan-out took 25.1 s, the time of the slowest.

Perplexity search8.5 s
OpenAI search15.8 s
Gemini search1.8 s
OpenRouter web search25.1 s

Perplexity search

perplexity/sonar

Time
8.5 s
Tokens in / out
216 / 1,148
Cost
$0.0063
Finished
stop: it finished its answer
URLs given
16 (15 returned as citations, 5 named in its answer)
Items in its answer
15
Leads checked
15: 15 confirmed, 0 not found, 0 unverified

Some of what it said, word for word:

  • Fidelidade describes its innovation strategy as driven by AI-powered analytics, omnichannel engagement, and automation.
  • Fidelidade says teams from IT, Marketing, Legal, Actuary, and Distribution collaborate on pilots to test and refine ideas.
  • KAI won recognition in the Excellence in Data & AI 2026 awards in the insurance category.

OpenAI search

openai/gpt-5.4-nano:online

Time
15.8 s
Tokens in / out
13,332 / 2,051
Cost
$0.0250
Finished
stop: it finished its answer
URLs given
4 (0 returned as citations, 4 named in its answer)
Items in its answer
15
Leads checked
8: 7 confirmed, 1 not found, 0 unverified

Some of what it said, word for word:

  • Fidelidade states that a “Contact AI Application Pilot” started in 2024 at the Fidelidade Group Contact Center and focuses on developing an IVR system for customer authentication and routing to appropriate operators by skills.
  • Fidelidade describes “Contact IA” as an advanced platform for customer interaction management using AI, including a conversational assistant, content creation, and integration with internal systems.
  • Fidelidade’s report describes KIA as using generative AI, semantic search, and RAG to centralize and activate institutional knowledge.

Gemini search

google/gemini-3.1-flash-lite:online

Time
1.8 s
Tokens in / out
234 / 354
Cost
$0.0006
Finished
stop: it finished its answer
URLs given
1 (0 returned as citations, 1 named in its answer)
Items in its answer
3
Leads checked
4: 3 confirmed, 1 not found, 0 unverified

Some of what it said, word for word:

  • Fidelidade has invested significantly in a digital transformation program to implement AI-driven solutions across its insurance value chain.
  • Fidelidade AI Customer Service / Virtual Assistant: Automates customer interactions to handle inquiries, policy management, and claims support.

OpenRouter web search

anthropic/claude-haiku-5.5, with OpenRouter's web search plugin

Time
25.1 s
Tokens in / out
99,643 / 4,792
Cost
$0.0419
Finished
stop: it finished its answer
URLs given
8 (0 returned as citations, 8 named in its answer)
Items in its answer
16
Leads checked
17: 17 confirmed, 0 not found, 0 unverified

Some of what it said, word for word:

  • Fidelidade is a group operating in 14 countries across 4 continents, leading the Portuguese market with a 28.1% share, and partnering with more than 6 million clients.
  • Gross written premiums reached 6,529 million euros in 2025, according to Fidelidade's corporate site.
  • Fidelidade's CEO-level group is controlled by the Chinese conglomerate Fosun, which holds about 85% of the capital.

"Citations" are the URLs OpenRouter returned beside the answer; only Perplexity returns them for a JSON answer. "Named in its answer" are the URLs inside the JSON. Both are leads: nothing is taken from them until a source is read. "Tokens in" is how much each model was given to read: thousands when web results were added to the question, a few hundred when it had little beyond the question itself (see the experiments on whether Gemini searched at all).

Step 3 of 6

3. From claims to facts

What a model says is a lead. Only what we read on its source reaches the page.

The reading agent turned the 4 answers into 44 leads, each tagged with the model that said it, and looked for each one on a source it read. 42 confirmed, 2 not found, 0 unverified.

confirmednot foundunverified

  • Confirmed: a source we read says it.
  • Not found: we read the source, or looked for one, and it does not say it.
  • Unverified: we could not read the source (for example, the site refused us), so it stays a lead.
AgentLeadsConfirmedNot foundUnverified
Perplexity search151500
OpenAI search8710
Gemini search4310
OpenRouter web search171700
All444220

What did not hold up, and why

ModelWhat the model saidStatusWhy
openaiContact IA includes a conversational assistant, content creation and integration with internal systems.not-foundThe 2025 report attributes the conversational assistant, content creation and integration with internal systems to KIA (Knowledge AI), not to Contact IA.
geminiThe virtual assistant accesses policy databases, processes claims information and interacts with CRM systems.not-foundThe home page names Trusty but says nothing of the systems it reaches; the claims page says only that roadside assistance can be requested through it.

Step 4 of 6

4. The reading agent

A reading agent: a Claude Code sub-agent of xray@web-summit.dinis, one per subject. It opened the sources the leads pointed to (and others it found), read them, and wrote the X-ray: every fact with its source and the date read. It finished at 7 November 2026 at 21:25 UTC.

19sources read
53tool calls
6 min 49 sreading time
174ktokens used

The sources, by kind

own-site4
docs0
press11
filing3
other1
All 19 sources, with the date each was read
IdSourceKindRead
s1Fidelidade | No1 em Seguros Automóvel, Saúde, Casa e Viagens (home page, Portuguese), Fidelidade (fidelidade.pt)own-site2026-11-07
s2A Fidelidade: quem somos (about the company, Portuguese), Fidelidade (fidelidade.pt)own-site2026-11-07
s3Seguro Automóvel: Participar Sinistro (motor claims and assistance, Portuguese), Fidelidade (fidelidade.pt)own-site2026-11-07
s4Knowledge AI da Fidelidade distinguido nos Excellence in Data & AI 2026 (press release, Lisbon, 30 September 2026, Portuguese), Fidelidade (fidelidade.pt)own-site2026-11-07
s5Fidelidade Integrated Management Report 2025 (English): AI strategy, innovation (p. 74) and sustainability statements (p. 183), Fidelidade (fidelidade.pt)filing2026-11-07
s6Fidelidade Integrated Management Report 2024 (English): innovation and non-financial statements (pp. 344 to 345), Fidelidade (fidelidade.pt)filing2026-11-07
s7Fidelidade Solvency and Financial Condition Report 2023 (English translation), Fidelidade (fidelidade.pt)filing2026-11-07
s8Fidelidade estuda vender solução interna de IA após receber "várias propostas de compra" (9 April 2025), ECO (eco.sapo.pt)press2026-11-07
s9Fidelidade recebe dois prémios por projeto de inteligência artificial (8 December 2024), ECO (eco.sapo.pt)press2026-11-07
s10Assistente virtual da Fidelidade vence Portugal IDC Digital Award (16 December 2021), ECO (eco.sapo.pt)press2026-11-07
s11Fidelidade distinguida nos Excellence in Data & AI 2026 com o projeto Knowledge AI (2 October 2026), Netthings (netthings.pt)press2026-11-07
s12Coalex.ai raises angel round from Angels Way to build its AI 'trust layer' (19 June 2026), Dealroom.copress2026-11-07
s13Fidelidade Fuels Innovation with the Launch of Protechting 7.0 (10 October 2024), Fosun (en.fosun.com)press2026-11-07
s14Portuguese Insurer Fidelidade Transforms Customer Experience with DXC Technology (3 April 2023), DXC Technology (dxc.com)press2026-11-07
s15Innovation at Fidelidade, Qorus (qorusglobal.com)other2026-11-07
s16Da Fundação em 2026 a agarrar as poupanças dos portugueses: Fidelidade junta 4.000 pessoas e anuncia objetivos, Executive Digest (executivedigest.sapo.pt)press2026-11-07
s17Fidelidade apresenta plataforma inovadora para longevidade (21 June 2026), Segurus (segurus.pt)press2026-11-07
s18Fidelidade: Two centuries protecting Portugal (19 October 2026), Essential Business (essential-business.pt)press2026-11-07
s19Fidelidade reforça aposta na "inovação aberta" e "longevidade" durante a Web Summit 2025 (18 November 2025), Executive Digest (executivedigest.sapo.pt)press2026-11-07

Step 5 of 6

5. The review

xray@web-summit.dinis reviewed the X-ray on 2026-11-07 before it was published. What the review changed or checked:

  1. Softened the tagline: the AI director's spoken remark is given as reported, not as a headline fact.
  2. Removed two documented limits from the incidents: not events.

Step 6 of 6

6. What it cost

The search cost $0.0738 in all, as OpenRouter reported it for each call.

Perplexity search: $0.0063 (9%)OpenAI search: $0.0250 (34%)Gemini search: $0.0006 (1%)OpenRouter web search: $0.0419 (57%)

The reading was done by a Claude Code sub-agent in the session: no OpenRouter spend. Its cost is not recorded in dollars, only as about 174 thousand tokens.

25.1 sthe search, four agents in parallel
7 minthe reading
8 minfrom the search starting to the reading finished
113,425 / 8,345search tokens in / out

The time between the search and the start of the reading, and the time the review took, are not recorded.

What RiskMandate is and is not in this

The X-ray is a demonstration, made by agents. RiskMandate measures what your agents can actually reach, evidences the controls that contain them, prices the exposure, and produces that record. It is never in the request path: read-only by design (riskmandate.ai/llms.txt). Nothing on this page claims more for it.

Built by xray@web-summit.dinis from data/xray/fidelidade/search/20261107T211645Z.json and data/xray/fidelidade/xray.json. How every X-ray is made.

For an agent: this page is https://web-summit.sgit.ai/xray/fidelidade/run/index.html (markdown: https://web-summit.sgit.ai/xray/fidelidade/run/index.md). Site index for agents: https://web-summit.sgit.ai/llms.txt. Source: https://github.com/SGit-AI/SGit-AI__Website__Web-Summit (release branch dev). Identity of the agent that runs this site: https://web-summit.sgit.ai/agent/index.html.