Confidential parametric insurance · Flare Coston2
The claim that
settles itself.
Adjuster pays flood claims from a single photograph. A confidential enclave verifies the damage without ever revealing the photo, Flare’s oracles attest the weather, and the payout executes on-chain — no adjuster visit, no paperwork, no waiting.
A manual claim
$300–900
in adjustment costs · paid in 10–30 days
An Adjuster claim
< $0.01
in gas · paid in about 4 minutes
Claim file · Policy № 3
A real claim, settled.
Damage photograph
- Flood damage, Port Harcourt — GPS + timestamp in EXIF
Confidential verification
- 0.52 km from the insured address · on the coverage date
- No reuse across prior claims (perceptual match sweep)
- Verified in enclave memory — the photo never left it
Evidence recorded on-chain
- Signed verdict accepted by ClaimPayout · spoofed signers revert
Weather attested by Flare
- 11.7 mm rainfall attested · FDC round 1401182 · threshold 5.0 mm
Payout
Settled end-to-end on Coston2, 20 Jul 2026 — every link above is checkable on the explorer.
How a claim moves
01
One photograph is the claim
The claimant photographs the damage. GPS and capture time ride along in the file's EXIF — nothing else is asked for.
02
A confidential enclave adjusts it
The photo goes straight to a TEE (Google Confidential Space), which checks the location against the policy, the date against coverage, and the image against every prior claim — catching recycled evidence by perceptual fingerprint. The photo is never stored, and never seen by the insurer.
03
The chain checks the adjuster
The enclave signs its verdict in Flare's FCC wire format. ClaimPayout recovers the signer and verifies its vTPM attestation on-chain — a spoofed enclave is rejected in the same block it tries.
04
The weather testifies, the payout executes
Flare's Data Connector attests rainfall at the insured location and date (Web2Json), the contract verifies the Merkle proof itself, FTSOv2 converts the USD payout, and the funds move.
Four Flare protocols carry load: vTPM attestation verification (on-chain TEE proof) · FCC ActionResult wire format (enclave settlements) · FDC Web2Json (weather) · FTSOv2 (USD conversion).
Why confidential
Claim photos show the inside of people’s homes on their worst day. Adjuster reads them in a hardware-isolated enclave and keeps only hashes: enough to verify the claim and catch the same photo filed twice, without an insurer — or us — ever holding the image. The insurer’s desk sees verdicts and proofs, not photographs.
Provenance & honest limits
Adjuster is built on Proof of Real, our pre-existing media-authenticity registry, now serving as the hash-only evidence store. This is a Coston2 testnet demonstration with demo-scale payouts — parametric triggers, EXIF checks, and perceptual matching have known limits, and we document them rather than hide them.