siqah/kilimoKinga

KilimoKinga: Automated Parametric Crop Insurance KilimoKinga protects Kenyan and African smallholder farmers against climate disasters. By replacing traditional claims with AI-driven weather agents, we guarantee instant, transparent payouts during severe droughts or floods—delivering frictionless financial support when it matters most. 🌾 KilimoKinga Decentralized Parametric Crop Insurance for African Smallholder Farmers --- ## Overview **KilimoKinga** (Swahili for *"Farming Protector"*) is a blockchain-powered parametric crop insurance platform purpose-built for Kenyan and African smallholder farmers. It replaces the slow, opaque traditional claims process with **AI-driven weather agents** that trigger instant, transparent payouts the moment climate thresholds are breached—drought, flooding, or extreme heat. > *Over 80% of African farming is rain-fed. A single bad season can wipe out a family's livelihood. KilimoKinga ensures that when disaster strikes, financial support arrives automatically—no paperwork, no delays.* ### Why KilimoKinga? | Problem | KilimoKinga Solution | |---|---| | Traditional insurance requires lengthy claims & proof of loss | **Parametric triggers** — payouts fire automatically when weather data crosses thresholds | | Farmers lack access to banks or digital wallets | **M-Pesa integration** — pay premiums & receive payouts via mobile money | | Opacity in how payouts are calculated | **On-chain transparency** — every policy, premium, and payout is verifiable on the blockchain | | No coverage for smallholder farmers | **Micro-premiums** with region-specific policies and loyalty discounts | --- ## 🏗️ Architecture ``` ┌─────────────────────────────────────────────────────────┐ │ FRONTEND (React + Vite) │ │ Dashboard │ Register │ Stake │ Admin │ Insights │ └────────────────────────┬────────────────────────────────┘ │ ethers.js / REST API ┌────────────────────────┴────────────────────────────────┐ │ BACKEND (Express + MongoDB) │ │ Routes │ Services │ Blockchain Listeners │ M-Pesa │ └────────────────────────┬────────────────────────────────┘ │ ethers.js ┌────────────────────────┴────────────────────────────────┐ │ SMART CONTRACTS (Solidity ^0.8.24) │ │ …