🤖
AI Policy Agent ✦ AI Powered
2 steps: Run AI analysis → Buy Policy instantly
📍 Select City
📅 Coverage Duration
⚡ Risk Type
💳 This action costs 0.01 USDC — paid on-chain
AI generates your policy · You confirm · Deploy instantly
Arc Network · Parametric Weather Insurance

Arc Network
Weather Insurance

Parametric weather coverage, settled on-chain. Set your trigger, fund in USDC — when the oracle confirms, the payout hits your wallet. No claims process. No waiting.

Fully on-chain
Automatic settlement
No claims process
Smart contract secured
Live Protocol Stats
Total Policies
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Active Policies
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Premium Volume
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Total Paid Out
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Live data · Arc Network · Open-Meteo Oracle
Live Oracle Data

Real-time weather monitoring

Open-Meteo · Updates every 10 minutes

IST
Istanbul
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NYC
New York
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LON
London
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TKY
Tokyo
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SAO
São Paulo
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SEO
Seoul
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PAR
Paris
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BER
Berlin
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DXB
Dubai
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SYD
Sydney
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MUM
Mumbai
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Policy Configuration

Configure your coverage

Choose your location, risk type, and threshold. Once confirmed on-chain, policy terms are permanent and cannot be modified.

Coverage Location
Risk Type
Trigger Threshold (°C)
Coverage Duration
Premium Amount (USDC) Min 5 · Max 20
Coverage Summary
Premium 5.00 USDC
Platform fee (7%) 0.35 USDC
Net premium 4.65 USDC
Payout if triggered 8.84 USDC
⚡ Instant on-chain deployment · Auto payout if triggered
Why parametric?
No adjusters. No paperwork. No waiting.
Traditional insurance can take weeks — file a claim, wait for an adjuster, negotiate the payout. Parametric insurance skips all of that. A smart contract monitors conditions on-chain; when your threshold is crossed, the payout executes automatically. The terms you agreed to are the terms that run. No exceptions.
🤖
Agent
Smart Weather Assistant AI
The agent analyzes live weather at your location, assesses your risk level, and recommends the optimal insurance threshold — then you set your own value and create the policy.
⚡ Real-time weather data analysis
🎯 AI-powered threshold recommendation
🔒 You control the final threshold
How triggers are validated
❄️ Frost / 🌡️ Heat ±3°C from current
🌧️ Rain / 🏜️ Drought ±2mm from current
💨 High Wind +5 km/h from current
Before you buy
• Trigger monitoring begins 2 hours after purchase
• Your claim button appears only after the policy period ends
• Payout = net premium × 1.9× multiplier
Portfolio

My Policies

Connect wallet to view
Location
Coverage Type
Threshold
Premium → Payout
Expires
Status / Action
🔒
Connect your wallet
Your active and historical policies appear here once connected.
Payout Calculator

Estimate your payout

Drag the sliders to see how premium, duration, and multiplier affect your potential payout.

Parameters
Premium (USDC) 10
Coverage duration (days) 7 days
Risk multiplier 1.9×
Potential Payout
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Payout Scenarios
Coverage Products

What do you need to hedge against?

Five coverage types built for different exposures — from crop protection to construction delays. Each triggers independently based on live oracle data.

❄️
Frost Protection

Pays out when temperature drops below your defined threshold. Well-suited for agriculture, outdoor operations, and cold-sensitive infrastructure.

Temperature ↓
🌡️
Heatwave Coverage

Triggered when temperatures push past your threshold. Useful for energy-intensive operations, livestock management, and outdoor events.

Temperature ↑
🌧️
Rainfall Insurance

Pays out when rainfall exceeds your threshold. A practical hedge for outdoor events, construction sites, and logistics exposure.

Precipitation ↑
🏜️
Drought Protection

Triggered when precipitation drops below your threshold. Particularly relevant for agriculture, irrigation-dependent operations, and water utilities.

Precipitation ↓
💨
Wind Risk Coverage

Pays out when wind exceeds your defined speed threshold. Relevant for renewable energy assets, construction projects, and open infrastructure.

Windspeed ↑
Infrastructure

Built on verifiable infrastructure

Every policy, every oracle update, every payout is logged on-chain. Anyone can verify the record — including you.

🔗
On-chain policy records

Every policy lives in a smart contract on Arc Network. The terms you agree to at purchase are locked permanently — nothing can be altered after the fact, not even by us.

📡
Verified weather oracles

Weather readings come from Open-Meteo and are written on-chain by the Arc Oracle contract every 10 minutes. Every data point is timestamped and publicly verifiable on the Arc Network explorer.

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Deterministic payouts

Payout logic is encoded directly in the contract. When your conditions are met, the math runs exactly as written — no human judgment, no processing delays, no appeals process.

Risk Disclosure
Arc Climate Pay is currently in beta on Arc Network (testnet). Policies are smart contract instruments settled in USDC — they are not regulated insurance products under any jurisdiction. Payouts depend on oracle data accuracy and contract execution. Please review your parameters carefully before purchasing. Past oracle performance does not guarantee future accuracy. Only use what you're comfortable risking.
FAQ

Questions & answers

How is my payout calculated? ›
It's straightforward: your payout equals (premium minus the 7% platform fee) multiplied by 1.9×. For a 10 USDC premium, that's 9.30 USDC net × 1.9 = 17.67 USDC. This formula is fixed in the smart contract — it applies to every policy, without exception.
When can I claim? ›
Claims are available only after your policy period ends — 7, 10, or 30 days from purchase. If a trigger was recorded during that window, the Claim button appears in your dashboard automatically. Note that trigger monitoring starts 2 hours after you buy, not immediately.
Where does weather data come from? ›
Weather readings are pulled from Open-Meteo and submitted on-chain every 10 minutes via the Arc Oracle contract. Every data point is timestamped and publicly verifiable on the Arc Network explorer.
Why does my threshold need to differ from current conditions? ›
To prevent policies from triggering immediately at purchase, your threshold must be meaningfully different from current conditions: temperature triggers require ±3°C separation; rain/drought need ±2mm; wind needs at least +5 km/h above current speed. The form will flag it if you're too close.
Are there payout limits? ›
Yes. Each wallet is capped at 60 USDC in payouts per rolling 7-day period, and there's a 48-hour cooldown between policy purchases. Individual premium amounts range from 5 to 20 USDC per policy.
Which wallets are supported? ›
MetaMask, OKX Wallet, Rainbow, and Coinbase Wallet are all supported. You'll need testnet USDC on Arc Network — the network config is added to your wallet automatically the first time you connect.
What network does this run on? ›
Arc Network Testnet — Chain ID 5042002. All transactions are publicly visible at testnet.arcscan.app. This is a testnet environment; no real funds are at risk.