LIVE ON HEDERA TESTNET
Hedera Hello Future Apex 2026

Climate insurance
for farmers who can't
afford to wait.

RainSafe is a parametric insurance protocol on Hedera. When drought strikes, farmers get paid automatically — no adjusters, no paperwork, no banks. Just real weather data and instant HBAR payouts.

📊 Live Dashboard 🌱 Register your farm View on GitHub →
$700B
Annual biodiversity finance gap
500M+
Smallholder farmers uninsured
$0.09
HBAR today · payouts in seconds
The Problem

Traditional insurance
fails farmers.

A smallholder farmer in Colombia loses their harvest to drought. They file an insurance claim. Months later, after an adjuster visits, documents are reviewed and bureaucracy navigated, they might receive a partial payout — long after they needed it.

Most farmers don't even try. Insurance is expensive, complex, and designed for large agribusinesses. 500 million smallholder farmers worldwide have zero climate protection.

RainSafe changes this. If rainfall drops below 5mm in 7 days, the payout happens automatically. No humans in the loop.
72%
of climate disasters affect agriculture — the most exposed sector with the least protection
4–6mo
average time for traditional insurance to pay out after a climate event
<5s
time for RainSafe to detect drought and initiate automatic payout on Hedera
Stakeholders

Built for everyone
in the value chain.

🌱
Farmer
Register & get covered
  • 01 Open Telegram, find @RainSafeHedera_bot
  • 02 Register your farm — name + Google Maps link
  • 03 Take a photo from your farm (GPS verification)
  • 04 Connect your HashPack wallet
  • 05 Coverage activates in 72h — automatic from here
🤝
ONG / Grant Provider
Fund with verified impact
  • 01 Deposit HBAR into the RainSafePool contract
  • 02 Your capital forms Tier 1 (first loss protection)
  • 03 Every payout is recorded on Hedera Consensus Service
  • 04 Export immutable impact reports — farmers covered, events detected, payouts executed
  • 05 No intermediaries. Every dollar tracked on-chain.
📈
ESG Investor
Earn yield with purpose
  • 01 Deposit capital as Tier 2 (mezzanine layer)
  • 02 Earn ~8% annual yield from unclaimed premiums
  • 03 Capital earns additional DeFi yield while waiting
  • 04 Withdraw at any time with on-chain proof of impact
  • 05 Risk mitigated by geographic pool diversification
How it works

From rain data
to wallet payout.

01
Farmer registers via Telegram
No wallet required to start. Name + Google Maps link + photo from the farm. The bot extracts GPS coordinates automatically.
@RainSafeHedera_bot · No blockchain knowledge needed
02
Anti-fraud verification runs
4 layers: parcel hash on HCS (no duplicates), 72h cooldown (no timing fraud), GPS photo verification (physical presence), area limit (no mass claims).
Hedera Consensus Service · C1+C2+C3+C4
03
Agent monitors climate 24/7
Open-Meteo API provides real rainfall data every 6 hours. No API key needed. Global coverage. If rainfall drops below 5mm in 7 days → drought alert.
Open-Meteo · Node.js agent · Real data
04
Event recorded on HCS
The climate event is submitted to Hedera Consensus Service before any payout. Creates an immutable, tamper-proof record that anyone can verify.
Hedera Consensus Service · Immutable proof
05
Automatic payout to farmer's wallet
Smart contract executes instantly. HBAR goes directly to the farmer's HashPack wallet. No adjuster. No claim form. No waiting.
Hedera Smart Contract Service · <5 seconds
Insurance Pool

A multi-source
pool that never sleeps.

Tier 1 — First Loss
ONGs & Grants
CGIAR, GIZ, HBAR Foundation, impact funds. Capital deployed as first protection layer. Absorbs initial claims, enabling lower premiums for farmers.
Impact reports on-chain · No financial return expected
Tier 2 — Mezzanine
ESG Investors
Capital enters after Tier 1 protection. Earns yield from unclaimed premiums + DeFi yield while capital waits. Risk mitigated by geographic diversification.
~12% annual yield · Measurable impact
Tier 3 — Continuous
Farmer Premiums
10% of coverage amount paid as premium. 100 farmers × 10 HBAR/month = 1,000 HBAR/month flowing into the pool. Self-sustaining at scale.
Actuarially viable at 15–20% drought frequency
0.0.8329792
RainSafePool Contract · Hedera Testnet
0.0.8329786
RainSafe Core Contract · Hedera Testnet
3
HCS Topics · Climate event registry
Business Model

How RainSafe
sustains itself.

⚙️
Management Fee
RainSafe charges 3% of premiums as an operational fee. At 1,000 farmers paying 10 HBAR/month, this generates 300 HBAR/month to cover infrastructure and development.
3% of premiums · Scales with network
📊
Yield Spread
Investors receive 8% annual yield. RainSafe negotiates 12% from the DeFi protocols where pool capital earns yield, capturing the 4% spread as protocol revenue.
4% spread · Passive revenue
🌍
Climate Data API
Verified climate events recorded on-chain are valuable. Governments, NGOs, and traditional insurers pay for access to RainSafe's tamper-proof climate intelligence layer.
Data-as-a-service · B2B revenue
🏗️
White Label Infrastructure
Cooperatives, microfinance institutions, and insurers in emerging markets can deploy their own parametric insurance pools using RainSafe's infrastructure for a licensing fee.
SaaS licensing · High margin
Anti-Fraud System

Four layers of
protection.

C1
Parcel Deduplication on HCS
Each farm location is hashed to a ~111m grid cell and recorded on Hedera Consensus Service. No two policies can cover the same land. Permanently on-chain.
C2
72-Hour Cooldown Period
Coverage activates 72 hours after registration. Prevents farmers from signing up during an active drought event to immediately claim. Eliminates timing fraud entirely.
C3
GPS Photo Verification
Farmers must submit a photo from within 1km of the registered farm location. GPS metadata in the photo is cross-referenced against registered coordinates. Physical presence required.
C4
Coverage Area Limit
Maximum 500 HBAR coverage per registration. Prevents actors from insuring vast territories with a single smartphone, maintaining actuarial integrity of the pool.
Technology

Built on proven
infrastructure.

⬡
Hedera Hashgraph
Smart contracts, Consensus Service, Token Service. Carbon-negative. 10,000+ TPS. $0.0001 tx fee.
🌧️
Open-Meteo API
Free, no API key. Global historical and forecast rainfall data. Updated hourly. Used for drought detection.
✈️
Telegram Bot API
Farmer onboarding in Spanish. No app required. GPS location sharing. Photo verification. Multilingual roadmap.
💳
HashPack Wallet
Native Hedera wallet. iOS + Android. Farmers receive HBAR directly. No crypto knowledge required to receive payouts.
📋
Solidity Contracts
RainSafe core + RainSafePool. EVM-compatible. Deployed on Hedera Smart Contract Service. Verified on HashScan.
⚛️
React Dashboard
Real-time farm monitoring. Live API sync every 10 seconds. Insurance Pool analytics. Multi-stakeholder views.
🔗
Express API
Bridge between bot registrations and dashboard. farms.json persistence. Real-time sync between all system components.
🔍
HashScan Explorer
Every climate event, payout, and farm registration is publicly verifiable. Full transparency for all stakeholders.

Ready to protect
your harvest?

Register your farm in 5 minutes via Telegram. No wallet needed to start. Coverage activates automatically.

📊 Live Dashboard 🌱 Start on Telegram View on HashScan → GitHub →
Core Contract: 0.0.8329786 Pool Contract: 0.0.8329792 Bot: @RainSafeHedera_bot