How it works
From your ledger to a payout, without a claims adjuster.
Four automated stages. No derivative jargon, no margin account, no paperwork after a storm.
01
Ingest & map
Connect QuickBooks or Xero. We map daily cash flow against hyper-local weather history.
READ-ONLY OAUTH · 24 MO LOOKBACK · DAILY SYNC AT 06:00 LOCAL
02
Quantify sensitivity
The AI risk engine calculates exact impact — the dollar cost of each weather condition at your site.
“EVERY WEEKEND RAIN EVENT COSTS YOUR WASH $3,800 IN NET MARGIN.”
03
Recommend & deploy
When forecasts cross your loss threshold, we generate a priced parametric proposal. One click deploys it.
TRIGGER, PREMIUM AND MAX PAYOUT SHOWN BEFORE PURCHASE · NOTHING AUTO-BUYS
04
Programmatic payout
Settles automatically against verified IoT weather sensors. No adjusters, no claim forms, no negotiation.
FUNDS LAND IN THE LINKED OPERATING ACCOUNT WITHIN 48H OF TRIGGER
BASIS RISK, SOLVED
Exchange contracts settle at the regional airport. A storm 15 miles away drenches your wash while the airport stays dry — total revenue loss, zero payout. F.O.G. settles on verified IoT sensors at your site.
SETTLEMENT WINDOW
48h
Programmatic payout after the trigger reads. No adjusters, no claim forms.
WHERE THE CAPITAL COMES FROM
Our liquidity router places capital into Kalshi & Polymarket weather pools and institutional reinsurance micro-policies — you never touch an exchange.