Instant Crop Insurance for Smallholder Farmers
Powered by Circle stablecoin micropayments and Arc network. Transparent, index-based climate protection with automated biometric accounts and mobile money payouts.
Why Traditional Crop Insurance Is Broken
❌ The Legacy Way
- Claims take weeks or months to process physically, causing financial ruin during droughts.
- Heavy administrative paperwork and verification costs inflate farmer premiums.
- Lack of transparency creates disputes over actual regional crop damage rates.
- No direct banking integration for remote smallholders without standard bank accounts.
🛡️ The InsureStream Way
- Index-based triggers pay out instantly when sensor data indicates a drought or flood.
- On-chain smart contracts eliminate middlemen, lowering premium costs by up to 40%.
- Oracles secure weather logs on Arc Network, ensuring fair, auditable data records.
- Circle CPN triggers mobile money (M-Pesa/Wire) immediately upon parametric execution.
Engineered for Climate Resilience
WebAuthn Passkey SCA
Skip complex crypto setups. Farmers sign in and execute transactions instantly with a swipe of biometric authentication sponsored gas-free via Circle paymasters.
Allora AI Actuarial Models
Dynamic on-chain risk calculations adapt automatically to regional coordinates. Machine learning agents calculate actuarial pricing variables fairly.
CCTP Bridging & Gas abstraction
Allows investors to onboard capital directly from Ethereum Sepolia or Base to Arc Testnet using Circle Crosschain Transfer Protocol without manually handling gas.
ZK-Privacy Settlements
Protects farmer coordinates and crop metadata using ZK proofs. Consolidates multiple claim events on-chain into single execution batches to reduce gas fees.
Automated CPN Mobile Payouts
Triggers localized bank wire off-ramps and mobile money transfers through Circle Payout APIs, routing funds safely within minutes of parametric event verification.
Multi-Agent CoPilot System
Features Masaki-01 (Coordinator) overseeing a swarm of dedicated AI agents that query live sensor feeds, verify telemetry, and sweep reserves automatically.
Ready to Protect Crop Capital?
Create a modular smart account, check localized weather predictions, and underwrite climate risks on the blockchain today.