AI-powered parametric insurance that automatically pays Q-Commerce delivery partners when weather, outages, or disruptions halt their work. No claims. No forms. Under 5 minutes.
A live simulation of how Ravi, a Blinkit rider in Bangalore, gets paid automatically during a monsoon.
Ravi's Dashboard
Every trigger is objectively measurable via public APIs, correlated with income loss, and independently verifiable.
IMD "Heavy Rain" threshold. Dual-source: OpenWeatherMap + IMD API. Causes 40-90% income loss.
IMD "Extremely Heavy" or NDMA Red Alert. SACHET + GDACS dual-source. 70-100% earnings loss.
IMD heatwave criteria. OpenWeatherMap + IMD Bulletins. 20-40% weekly loss. Delhi: 10-25 days/year.
WAQI + CPCB dual-source. "Severe" classification. 15-30% weekly loss. Delhi: 30-50 days/winter.
Synthetic monitoring + Downdetector. ~100% income loss. Cloudflare Dec 2025 outage precedent.
GDELT + NewsAPI + gazette feeds. Section 144/curfew. 60-80% daily income loss.
GPS is only 10% of our authenticity score. We have 6 other signals spoofers can't fake.
Isolation Forest cross-references GPS × Wi-Fi BSSID × Cell Tower × IP. Sub-second detection.
Autoencoder + LSTM analyzes accelerometer/gyroscope. Home flatline ≠ stranded-in-rain motion.
GNN + Louvain detects syndicate clusters via shared IPs, device IDs, bank accounts.
XGBoost validates claim against IMD + CPCB + GDACS + TomTom. Multi-source consensus.
Target loss ratio 60-65%. Break-even at ~5,000 riders. Built to scale.
Production-grade architecture with free/freemium APIs.