🌧️ RainGuard

Decentralized Peer-to-Peer Weather Insurance Protocol

RainGuard is a decentralized insurance protocol that uses trusted weather data to trigger automatic payouts for climate-related risks. It enables anyone to build tailored protection against unpredictable weather events like droughts, heatwaves, or storms, without dealing with traditional insurers or slow, manual claims processes.

🚀 Features

• Weather-Based Insurance: Create custom insurance policies based on specific weather conditions, locations, and timeframes
• Expert-Driven Pricing: Risk experts compete to offer the best premium rates through transparent bidding
• Automated Payouts: Smart contracts automatically trigger payouts when weather conditions are met
• Gasless Transactions: Circle Paymaster integration enables gasless transactions paid in USDT
• Reputation System: Experts build reputation scores based on their risk assessment accuracy
• Real-Time Data: Chainlink Functions integration with AccuWeather for reliable weather data
• User-Friendly Interface: Clean, intuitive UI designed for users with no blockchain experience

🏗️ Architecture

Smart Contracts

The protocol consists of several smart contracts deployed on Mantle and Zircuit:

• InsuranceManager: Core contract handling the entire insurance lifecycle
• Reputation: Manages expert reputation scores and performance tracking
• EventsLib: Event definitions for contract interactions
• MockUSDC: Test USDC token for development
• OracleMock: Mock oracle for testing weather data integration

Frontend

Built with modern web technologies:

• Next.js 15 (App Router) with TypeScript
• Scaffold-ETH 2 hooks for seamless blockchain interactions
• RainbowKit for wallet connections
• Tailwind CSS with DaisyUI for styling
• Wagmi for Ethereum interactions

📋 Insurance Lifecycle

1. Request Creation: Users create insurance requests with coverage amount, location, timeframe, and weather conditions
2. Expert Bidding: Risk experts submit offers with premiums and risk assessments
3. Offer Selection: Users select the best offer based on premium and expert reputation
4. Pool Funding: Investors fund the payout pool with USDC
5. Premium Payment: Users pay premiums, automatically distributed to experts (5%) and investors (95%)
6. Policy Activation: Smart contract activates the policy for the specified timeframe
7. Automatic Settlement: Chainlink Functions fetch weather data and trigger payouts if conditions are met
8. Reputation Update: Expert reputation scores are updated based on payout accuracy

🛠️ Tech Stack

Backend

• Solidity ^0.8.0
• Hardhat for development and testing
• OpenZeppelin contracts for security
• Chainlink Functions for oracle integration
• Circle Paymaster for gasless transactions

Frontend

• Next.js 15 with App Router
• TypeScript for type safety
• Wagmi + RainbowKit for Web3 integration
• Tailwind CSS + DaisyUI for styling
• React Query for data fetching
• Zustand for state management

🚀 Quick Start

Prerequisites

• Node.js >= 20.18.3
• Yarn package manager
• Git

Installation

1. Clone the repository

   git clone <repository-url>
   cd RainGuard

2. Install dependencies

   yarn install

3. Set up environment variables

   cp packages/hardhat/.env.example packages/hardhat/.env
   cp packages/nextjs/.env.example packages/nextjs/.env

4. Start local development

   # Start local blockchain
   yarn chain
   
   # Deploy contracts (in a new terminal)
   yarn deploy
   
   # Start frontend (in a new terminal)
   yarn start

5. Access the application

   • Frontend: http://localhost:3000
   • Debug interface: http://localhost:3000/debug

📖 Usage

For Users

1. Create Insurance Request

   • Navigate to the "Create Request" page
   • Define weather conditions (rain, wind, temperature, etc.)
   • Set coverage amount, location, and timeframe
   • Submit your request

2. Review Expert Offers

   • Browse offers from risk experts
   • Compare premiums and reputation scores
   • Select the best offer for your needs

3. Pay Premium

   • Once the pool is funded, pay your premium
   • Premium is automatically distributed to experts and investors

4. Monitor Policy

   • Track your policy status in real-time
   • View countdown to policy expiry
   • Receive automatic payout if conditions are met

For Experts

1. Submit Offers

   • Review open insurance requests
   • Analyze weather risks and historical data
   • Submit competitive premium offers with detailed assessments

2. Build Reputation

   • Earn reputation points for accurate risk assessments
   • Avoid penalties for mispriced risks
   • Establish credibility in the ecosystem

For Investors

1. Fund Pools

   • Browse available insurance pools
   • Contribute USDC to fund payouts
   • Earn returns if no payout is triggered

2. Monitor Investments

   • Track funding progress in real-time
   • View potential returns and risks
   • Withdraw funds after policy settlement

🔧 Development

Available Scripts

# Blockchain
yarn chain          # Start local blockchain
yarn deploy         # Deploy contracts
yarn test           # Run tests
yarn compile        # Compile contracts

# Frontend
yarn start          # Start development server
yarn build          # Build for production
yarn lint           # Run linter
yarn format         # Format code

# Deployment
yarn vercel         # Deploy to Vercel
yarn ipfs           # Deploy to IPFS

Contract Functions

Core Functions

• createRequest(): Create new insurance request
• submitOffer(): Submit expert offer
• selectOffer(): Select winning offer
• fundPool(): Fund insurance pool
• payPremium(): Pay insurance premium
• settlePolicy(): Settle policy with weather data

Getter Functions

• getRequestBasic(): Get basic request information
• getOffers(): Get all offers for a request
• getOfferById(): Get specific offer details
• getInvestments(): Get pool investments
• getConditions(): Get weather conditions
• getAllRequestIds(): Get all request IDs

🔒 Security

• OpenZeppelin: Industry-standard security contracts
• Comprehensive Testing: Full test coverage for all contracts
• Access Control: Role-based permissions and ownership controls
• Oracle Security: Chainlink Functions for reliable data feeds
• Gas Optimization: Efficient contract design for cost-effective operations

🌐 Networks

Mainnet

• Mantle
• Zircuit

Testnet

• Mantle Testnet
• Local Hardhat

📋 Deployed Contracts

Zircuit Testnet

• InsuranceManager: 0x7C655115aC55C333Fa6B392C5984698AB60d020f
• Explorer: https://explorer.zircuit.com/address/0x7C655115aC55C333Fa6B392C5984698AB60d020f

Mantle Testnet

• InsuranceManager: 0x9847C817983D90faA45bC71bCa461AD8f246f2e9
• Explorer: https://explorer.mantle.xyz/address/0x9847C817983D90faA45bC71bCa461AD8f246f2e9

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RainGuard - Insurance without middlemen, powered by data and governed by its participants.