InsureStream

InsureStream is a multi-hazard, privacy-preserving parametric crop insurance protocol built on Arc Testnet, where USDC is the native gas token. Eighteen Solidity contracts under contracts/ implement the full stack. MultiHazardInsurance.sol settles drought, flood, and storm cover automatically when signed telemetry breaches configured thresholds, priced by an ECDSA-signed actuarial engine in AIUnderwrittenInsurance.sol and services/ai-pricing.js. Farm GPS coordinates stay private: a Groth16 circuit in circuits/weather_proof.circom, verified on-chain by Verifier.sol, proves coordinates fall inside a regional bounding box and settles hundreds of claims in one batched transaction (test/zk-settlement.test.js). Liquidity is tranched. TranchePool.sol splits senior and junior LP exposure, ReinsurancePool.sol sweeps a share of premiums as a catastrophe backstop, and MicroCreditVault.sol lets farmers borrow USDC against active policies without selling coverage. Each policy mints as a dynamic ERC-721 in CropProtectionDeedNFT.sol with on-chain SVG metadata and trades on SecondaryMarketplace.sol. Onboarding is gasless: ERC-4337 smart accounts (SimpleSmartAccount.sol) with Circle Modular Wallets and Paymaster sponsor farmer transactions, and cross-chain LP capital arrives over Circle CCTP (src/utils/cctp.js, test/cctp-onboarding.test.js). MultiOracleParametric.sol aggregates IoT sensor and oracle inputs, StableFX swaps EURC to USDC for settlement, and DAO parameters run through an OpenZeppelin Governor and Timelock governed by the STRM token. Twelve integration suites under test/ cover the pricing, oracle, ZK settlement, CCTP, micro-credit, governance, and smart-wallet paths.