A decentralized parametric insurance engine providing instant, math-enforced payouts on the Stellar network.
Join the Build: We are creating public-good DeFi infrastructure for the Stellar ecosystem. Whether you write Rust, TypeScript, or documentation, there is a place for you here. Check our open issues.
HorizonCover brings trustless, data-driven insurance to the blockchain. By connecting real-world API oracles to Soroban smart contracts, we eliminate the need for claims adjusters, turning months of bureaucratic waiting into a 3-second USDC settlement.
Traditional micro-insurance is fundamentally broken:
- Prohibitive Overhead: The administrative cost of assessing a $500 crop loss makes the policy unviable for insurers.
- Subjective Delays: Claims sit on human desks for 30–90 days, leaving vulnerable businesses without critical liquidity when disaster strikes.
- Geographic Gatekeeping: Millions in developing regions are excluded from risk-hedging due to lack of local insurance infrastructure.
We replace trust with code:
- Soroban Core Vaults: Secure pools holding USDC, utilizing Protocol 26's
U256checked arithmetic to guarantee absolute precision on every payout calculation. - Modular Oracles: Lightweight adapters that ping external APIs (like OpenWeather) and push deterministic data on-chain.
- Monorepo Ecosystem: A unified workspace featuring a Next.js 14+ interface, shared TypeScript types, and a robust developer SDK.
- ⚡ Zero-Claim Execution: Payouts are triggered automatically the moment an oracle condition (e.g., rainfall < 50mm) is met.
- 🔒 Mathematical Guarantees: Soroban's native Yardstick math prevents any floating-point or rounding errors during financial distribution.
- 💸 Micro-Fee Settlements: Leverage Stellar's low transaction costs to make $50 or $100 policies economically feasible.
- 🛠️ Plug-and-Play Adapters: Developers can easily write new triggers for flight delays, earthquake magnitudes, or shipping logistics.
graph LR
subgraph "Real World Data"
Weather[Weather APIs]
Transit[Flight/Shipping APIs]
end
subgraph "HorizonCover Infrastructure"
Adapters[Oracle Adapters<br/>Node.js / Rust]
Vault((Soroban Vault<br/>Smart Contract))
end
subgraph "Settlement Layer"
User[Policyholder Wallet]
USDC[Circle USDC]
end
Weather --> Adapters
Transit --> Adapters
Adapters -- "Trigger condition met" --> Vault
Vault -- "Calculates U256 Math" --> USDC
USDC -- "Instant Payout" --> User
style Vault fill:#0ea5e9,color:#fff
style Adapters fill:#8b5cf6,color:#fff
style USDC fill:#22c55e,color:#fff
We have successfully scaffolded the foundational monorepo and are now moving into the active Oracle Integration phase.
Completed Foundations:
- ✅ Monorepo architecture (pnpm) established.
- ✅ Core Vault contract written with P26
U256math. - ✅ TypeScript SDK built for smart contract interactions.
- ✅ Next.js Frontend with dynamic payout sandboxes and Stellar Wallets Kit.
We are actively building our first real-world Oracle adapters. Jump in and help us cross the finish line:
-
OpenWeather Node.js Adapter ☁️
- Task: Build a backend cron-job that polls OpenWeather, formats millimeter data to
U256, and invokes the Soroban contract. - Difficulty: Intermediate
- Task: Build a backend cron-job that polls OpenWeather, formats millimeter data to
-
Logistics Oracle Concept
✈️ - Task: Draft the architecture for a FlightAware API integration to trigger policies based on cargo delay hours.
- Difficulty: Advanced
-
Dashboard Enhancements 🖥️
- Task: Expand the Next.js UI to read the Soroban RPC
getEventsand display a user's historical payouts. - Difficulty: Easy
- Task: Expand the Next.js UI to read the Soroban RPC
Prerequisites:
- Rust 1.74+ | Soroban CLI (
stellar-cli@26) - Node.js 20+ | pnpm 9+
1. Clone & Install
git clone https://github.com/AtlasCrypt/HorizonCover.git
cd HorizonCover
pnpm install2. Run the UI locally
cp frontend/.env.example frontend/.env.local
pnpm dev3. Compile Contracts
cd contracts/core
cargo build --target wasm32-unknown-unknown --release
stellar contract optimize --wasm ../../target/wasm32-unknown-unknown/release/horizon_cover_core.wasmHorizonCover/
├── contracts/ # Soroban Smart Contracts
│ ├── core/ # The main insurance vault & payout logic
│ └── adapters/ # Data-trigger modules
├── frontend/ # Next.js Web Application
├── packages/ # Shared Libraries
│ ├── sdk/ # TypeScript interaction SDK
│ └── types/ # Cross-repo TS definitions
└── docs/ # Architecture and contributing guides
HorizonCover is built for the community, by the community.
To start contributing, browse the Issues tab for tasks tagged with good-first-issue or wave-task. We maintain a collaborative, open environment—simply comment on an issue to claim it, fork the repository, and submit a PR.
For detailed guidelines, see our Contributing Guide.
To ensure contributors have everything they need to build on HorizonCover, here is our curated resource directory:
Core Smart Contracts (Soroban)
- Soroban Official Documentation: The master guide for writing, testing, and deploying Rust-based smart contracts.
- Protocol 26 ("Yardstick") Guide: Essential details on the 256-bit checked integer arithmetic (
U256) used in our vault.
Data & Oracle Integration
- Stellar Oracle Documentation: Tutorials on feeding signed data into Soroban contracts.
- OpenWeather API: The official API for our primary weather triggers.
- Mercury Indexer: A high-speed data indexing service for tracking historical contract events.
Connectivity & Off-Ramps (Public Good Focus)
- SEP-24: Hosted Deposit and Withdrawal: The standard for connecting DApps to Stellar Anchors (like MoneyGram) for local currency cash-outs.
- Stellar Anchor Directory: Global map of institutional partners that handle the conversion of USDC payouts to fiat.
This project is licensed under the MIT License - see the LICENSE file for details.
This protocol is a proud participant in the Stellar Drips Wave and the broader open-source Soroban ecosystem. By combining decentralized Oracles with the raw speed of Stellar, we are proving that blockchain utility extends far beyond trading.