Sage-senpai/Nimbus

a parametric drought insurance platform for African smallholder farmers. When satellite data confirms a drought, USDC automatically releases from a Stellar smart contract to the affected farmer's wallet. No claim forms. No adjusters. No delays. # Nimbus > **When rain fails, Nimbus pays.** Parametric drought insurance for Africa's smallholder farmers, built on Stellar, Trustless Work, and Open-Meteo. Submitted to the **Boundless × Trustless Work** hackathon, 13–16 May 2026. --- ## The idea A smallholder farmer in Kano enrols her sorghum field with a phone number and a GPS pin. Every morning at 06:00 UTC, an oracle pulls cumulative seasonal rainfall for her exact coordinates from Open-Meteo. If that figure stays below her contracted threshold, a Trustless Work escrow on Stellar approves and releases USDC to her custodial wallet — in seconds, with no claim form, no adjuster, and no paperwork. Sponsors and NGOs deposit USDC into coverage pools and watch every payout settle on-chain. Lemonade did this on Avalanche. Etherisc did it on Ethereum. Nimbus is the first on Stellar — and ships it with a free weather API and around a hundred lines of oracle code. --- ## Architecture ``` ┌──────────────────────────────────────────┐ │ Vercel Cron · 06:00 UTC daily │ └────────────────────┬─────────────────────┘ │ ▼ ┌──────────────┐ ┌───────────────────────────┐ ┌──────────────┐ │ Open-Meteo │ ─────▶ │ /api/oracle/check │ ─────▶ │ Supabase │ │ (free API) │ │ │ │ oracle_checks│ └──────────────┘ │ if rainfall ` — her dashboard now shows `TRIGGER` and a payout card. --- ## How the oracle works (the 11 lines that matter) ```ts const { totalMm } = await fetchSeasonRainfall(lat, lon, seasonStart); if (totalMm < farmer.drought_threshold_mm) { const approveXdr = await approveMilestone(farmer.contract_id); await submitToStellar(signXDR(approveXdr, PLATFORM_SECRET)); const releaseXdr = await releaseFunds(farmer.contract_id); const tx = await submitToStellar(signXDR(releaseXdr, PLATFORM_SECRET)); await markPayout(farmer.id, totalMm, tx.hash); await sendSMS(farmer.phone, payoutMessage(farmer, totalMm, tx.hash)); } ``` That is the e …