When rain fails,
Nimbus pays.
Drought insurance for Africa's smallholders. Satellite-verified rainfall. On-chain escrow. USDC payouts in seconds — no claims, no adjusters, no paperwork.
Four steps. No claim forms.
Register
Farmer enrols with phone + GPS pin. A custodial Stellar wallet is generated.
Oracle monitors
Daily Open-Meteo rainfall pull at 06:00 UTC. Cumulative totals tracked per farm.
Drought confirmed
Cumulative rainfall below threshold triggers an automatic escrow release.
USDC arrives
Stellar Soroban contract pays the farmer wallet. SMS confirmation in seconds.
An insurance department made of code.
- Satellite-grade rainfallOpen-Meteo historical archive — global coverage, no API key, deterministic outputs.
- Daily cron at 06:00 UTCVercel Cron triggers the oracle endpoint every morning. Every active policy is checked.
- Server-side XDR signingStellar SDK signs Trustless Work approvals on the server. No wallet popups for farmers.
- On-chain audit trailEvery check, threshold breach, and payout transaction is recorded on Stellar Expert.
Four answers every escrow product owes you.
What trust problem are we solving?
Smallholder farmers can't afford traditional crop insurance — premiums are too high, claims take months, and adjusters never visit their villages. Climate funds want to send relief faster than NGO operations allow.
Who are the parties?
The farmer (Receiver), the sponsor pool funding the coverage, Nimbus as the platform operator that runs the oracle, and Open-Meteo as the off-chain weather source.
What condition unlocks the funds?
Cumulative rainfall at the farmer's GPS coordinates falling below their season threshold (default 50mm). The oracle reads from Open-Meteo's historical archive — deterministic, auditable, no human judgement.
Who resolves disputes?
The platform wallet is the Dispute Resolver of last resort. In practice the oracle is parametric — there is nothing to dispute: rainfall either crossed the threshold or it did not, and the on-chain record proves which.
One Single-Release escrow per farmer.
Trustless Work's primitive: a milestone-based escrow that only releases when its condition is met. Every role is the platform wallet so the oracle can fire the payout autonomously — except Receiver, locked to the farmer's custodial wallet so funds can only ever land with them.
Fund the coverage. Watch the impact.
Fund a pool
Deposit USDC into a season-bounded coverage pool for a region. Every payout is on-chain — full transparency for your donors and grant reports.
Sponsor a region →Earn yield
Capital-efficient parametric coverage. Premiums collected; payouts triggered only by real climate events. Composable with existing Stellar liquidity pools.
See pool mechanics →From cloud to crop.
Africa's farmers deserve better than paperwork.
Help us put parametric coverage in every village. Enrol a farm or fund a pool today.