Parametric Insurance
Built for AI Agents
Your agent buys coverage, oracles verify triggers, payouts arrive in seconds.
No claims process · No human judges · No disputes · Just math.
Set Up Your Agent
Create an API key, approve a spending limit, and give your agent the SKILL file. Your agent then buys insurance and manages yield autonomously via API — no wallet needed.
Monitor via Dashboard
Connect your wallet to view your agent's activity — active policies, vault deposits, yields, and claims. This is read-only monitoring, your agent operates independently.
Deploy Protection in 3 Simple Steps
Give your agent the instructions. It handles everything else.
Connect & Instruct
Copy our Skill link and paste it into your agent platform. It's like giving a manual to your new financial employee — your agent instantly knows how to protect your portfolio.
It's a manual, not code.
Autonomous Protection
Your agent scans markets 24/7. It activates insurance shields only when risk warrants it — crashes, depegs, exploits. Everything happens autonomously on-chain. You don't lift a finger.
24/7 vigilance without moving a finger.
Instant Claims
If a trigger is met, your agent collects the payout instantly — same block, same transaction. If markets are calm, your capital stays protected and ready. You just monitor from the dashboard.
Your balance is always protected.
Lumina turns your AI agent into a professional risk manager. You provide the capital, your agent provides the execution.
Insurance Products
Four parametric products. Each with its own trigger, payout, and oracle verification.
🌊BTC Catastrophe Shield
Insurance against catastrophic BTC crashes
Like hurricane insurance — covers the worst-case BTC scenario
$50K coverage, 14 days → Premium $527 → If triggered: receive $38,800 → Return: 73x
Premium Calculator
See exactly what your agent will pay and what you'll receive.
Calculated at 20% vault utilization (live). Premiums adjust via the Kink Model.
How Pricing Works
Dynamic premiums — when demand rises, prices rise automatically. When it drops, they drop too.
| Utilization | Multiplier | What it means |
|---|---|---|
| 0–20% | 1.0–1.13x | Cheapest premiums. Few policies sold. |
| 20–40% | 1.13–1.25x | Normal operation. |
| 40–60% | 1.25–1.38x | Healthy demand. Good LP yields. |
| 60–80% | 1.38–1.50x | High demand. LPs earning well. |
| 80–90% | 1.50–2.25x | Stress zone. Premiums spike. Attracts new LPs. |
| 90–95% | 2.25–3.75x | Near capacity. Very expensive premiums. |
| >95% | REJECTED | No new policies. Safety mechanism to protect LP capital. |
When vault utilization is low, your agent gets cheap premiums. When it's high, premiums increase — but so does the probability that your coverage is backed by real capital. The Kink Model ensures the protocol is always solvent.
⚠️ The 95% cap is NOT a system failure — it's a SAFETY MECHANISM. It ensures there is ALWAYS enough capital in the vault to pay existing claims. As policies expire and capacity frees up, new policies are accepted again.
Connect Your Agent
Lumina publishes a machine-readable Skill file. Give it to your agent and it knows what to do.
Set up insurance in 3 steps
Get your API Key
Connect your wallet and generate an API key in the tutorial. This is your agent's authorization.
Give the SKILL file
Download the SKILL file and paste it into your AI agent (ChatGPT, Claude, or custom).
Your agent buys coverage
Tell your agent: "Buy BTC Catastrophe Shield for $10K, 14 days." Your portfolio is protected.
Compatible with:
HTTP / REST API
Any agent that can make HTTP calls can use Lumina.
AvailableElizaOS
Install the Lumina plugin for ElizaOS agents.
Coming SoonLangChain
Use Lumina tools in your LangChain agent.
Coming SoonVirtuals Protocol
Discover Lumina on the Virtuals ACP marketplace.
Coming SoonThe Skill file contains everything your agent needs:
Your agent reads the Skill once and can autonomously manage insurance and yield for your entire portfolio.
How Lumina Compares
The first insurance protocol built exclusively for AI agents.
| Feature | M2M Insurance — Lumina | Traditional Web3 Insurance |
|---|---|---|
| Operator | AI Agent (M2M) | Human |
| Resolution | Automatic (1 transaction) | Jury vote or committee (up to 35 days) |
| Trigger | Parametric (trustless math) | Subjective (human judgment) |
| Settlement | Same-block | Days/weeks |
| Chain | Base L2 (low fees) | Ethereum L1 / Multi-chain |
| Settlement Token | USDC (earns Aave V3 yield while idle) | ETH/DAI/Various |
| Agent-native | ✅ Built for M2M | ❌ Human UI only |
| Skill file | ✅ 736 lines | ❌ |
| Oracle | Chainlink + Phala TEE | Proprietary or Chainlink |
| LP Yield | 11-40% + Aave V3 base | ~4-8% |
M2M Insurance — Lumina
Traditional Web3 Insurance
Security
24 contracts. 4,825 lines. 3 phases audited.
Phase 1: Core
CoverRouter + PolicyManager + Vaults
12+ audit rounds
0C / 0H / 0MPhase 2: Shields
4 insurance products + BaseShield
3 dual audit rounds
0C / 0H / 0M / 0LPhase 3: Oracles
LuminaOracle + PhalaVerifier
2 dual audit rounds
0C / 0H / 0M / 0L🔒 Open Wallet Standard (OWS)
Defense-in-depth for every AI agent
🔐 Encrypted Keys
Private keys encrypted with AES-256-GCM. Never in plaintext. Decrypted only inside the signing path.
🛡️ Policy Engine
Every transaction validated before signing. Chain restrictions, contract allowlists, spending limits.
⚡ Instant Revocation
Revoke agent access with one command. No on-chain transaction needed. Funds always safe.
🔐 Multisig Oracle (N-of-M)
No single point of failure for claim resolution
🛡️ N-of-M Verification
Oracle reports require 3-of-5 independent cryptographic signatures before any claim is resolved on-chain.
🔄 Signer Rotation
Add or remove signers without redeploying contracts. Quorum adjustable from 1-of-1 to any N-of-M configuration.
✅ Backwards Compatible
Existing integrations keep working. Single-signer mode supported. Upgrade to multisig with zero downtime.
Dual audit methodology: Claude Code Security + Gemini Pro — independent findings cross-verified across both AI auditors.
Roadmap
Q2 2026
Launch
Protocol live on Base L2. Real USDC settlement. Four insurance products. Aave V3 yield. Multisig oracle. API-first for AI agents.
Q3 2026
Growth
Agent framework integrations. New coverage products. Automated claim resolution. Tier 1 security audit. Expanded distribution channels.
Q4 2026
Scale
Institutional-grade infrastructure. Multi-chain deployment. Strategic DeFi partnerships. 24/7 monitoring and operations.
Q1 2027
New Economy
Policy and vault position NFT marketplace. Native token with real protocol yield. Transition to community-driven DAO governance.
Frequently Asked Questions
Need Help?
A human will respond. We'll explain the products, give you the Skill file, and help you get started.
Sales & Onboarding
labs@lumina-org.comWant to integrate Lumina? Need the Skill file? Talk to our team.