CodeWithEugene/BimaOS

BimaOS is an open-architecture, Insurance-as-a-Service (IaaS) infrastructure platform designed for emerging African markets. It bridges the informal economy with formal insurance providers by utilizing offline-first mobile channels, artificial intelligence for claim evaluation, and a low-cost blockchain ledger for trustless, immediate payouts. # BimaOS — Insurance for Every African Open insurance infrastructure for Africa. Get covered via USSD by dialing **`*384*11400#`** on any phone (no internet required). File active claims or query status via SMS short code **`21565`**. AI-powered underwriting and claims, blockchain trust ledger, M-Pesa / Paystack payouts. Built for the Africa's Talking Insurtech Hackathon 2025. ## Core Features - **USSD & SMS** — Buy insurance and file claims via USSD (no smartphone required) - **AI Claims Processing** — Image analysis with confidence scoring, fraud detection - **Blockchain Ledger** — Immutable claim/policy records on Ethereum Sepolia Smart Contract - **M-Pesa Payouts** — Instant claim settlements via mobile money - **Insurer Dashboard** — Claims management, analytics, USSD simulator ## Tech Stack | Layer | Technology | |-------|-----------| | Framework | Next.js 16 (Turbopack) | | Language | TypeScript | | Styling | Tailwind CSS v4, shadcn/ui | | Database | Supabase (PostgreSQL) | | Blockchain | Ethereum Sepolia (ethers.js, Solidity contract) | | AI | Computer vision analysis (simulated) | | USSD/SMS | Africa's Talking API | | Mobile Money | M-Pesa API | | PWA | Service worker + manifest | ## Getting Started ```bash npm install cp .env.example .env.local # add your API keys npm run dev ``` Open localhost. ## Environment Variables ```env # Supabase NEXT_PUBLIC_SUPABASE_URL= NEXT_PUBLIC_SUPABASE_ANON_KEY= # Africa's Talking AT_API_KEY= AT_USERNAME= AT_USSD_CODE=*384*11400# AT_SMS_SHORTCODE=21565 # Paystack Configuration PAYSTACK_PUBLIC_KEY= PAYSTACK_SECRET_KEY= # Ethereum Sepolia Testnet BLOCKCHAIN_RPC_URL=ethereum-sepolia-rpc.public… METAMASK_WALLET_ADDRESS= BIMA_OS_REGISTRY_ADDRESS= OPERATOR_PRIVATE_KEY= # M-Pesa (optional — simulated fallback) MPESA_CONSUMER_KEY= MPESA_CONSUMER_SECRET= MPESA_PASSKEY= ``` All services include simulated fallbacks so the app runs without external APIs. ## Project Structure ``` src/ ├── ap …