Settled

Settled's argument starts from an asymmetry it states plainly: disputes are getting more frequent and more complex while the mechanisms for resolving them have not kept pace, so for many issues the effort and cost of seeking resolution outweigh the value of the outcome — and the claim simply goes unmade. Its answer is what it calls agentic operating systems for dispute resolution: AI agents doing the work that makes small claims uneconomic, with human judgment kept in the loop where judgment is what is actually required. TripFix, the first product, applies that to air-passenger compensation, a domain with real statutory entitlements, an adversarial counterparty and a claims process most travellers abandon. Chris Houston is a co-founder. He started SurfEasy in Toronto in 2011 and was its chief executive, growing the consumer VPN through QVC television shopping rather than paid search — a story he told on the TechTO Travel Toronto stage in December 2025, in the talk carried on this page.