Ensura

Ensura is a DeFi blockchain-based insurance platform that eliminates traditional 'middle-men' by connecting insurance seekers directly with peer-to-peer underwriters. Built on Flare Ecosystem, the platform leverages 0G's powerful and secure AI compute layers to make insurance transparent, affordable, and instantly accessible.

How it works: AI-Powered Quotes: Users submit insurance applications (health, auto, life, home, travel, etc) and receive personalized quotes generated by AI running on 0G Network's decentralized compute infrastructure. The AI analyzes age, nationality, risk profile and coverage needs to provide accurate pricing in seconds.

Fair Underwriter Matching: Using Pyth Entropy's verifiable randomness, the platform fairly orders peer-to-peer underwriters, preventing manipulation and ensuring equal visibility for all providers. No preferential treatment based on coverage amount or rankings true decentralization.

FDC Data Verification: Flare Data Connector (FDC) cryptographically verifies all off-chain data (medical records, driving history, identity documents) before bringing it on-chain, ensuring authenticity and preventing fraud.

Smart Contract Binding: Policies are bound as smart contracts on Flare's Coston2 testnet. Premiums, coverage funding and claim payouts are automated through code with no intermediaries, no delays, no disputes.

World ID Integration: Worldcoin's World ID provides Sybil-resistant proof of personhood, ensuring one person equals one policy and preventing fake accounts from gaming the system.

Instant Claims Processing: When claims are filed, evidence is verified through FDC and payouts are automatically executed via smart contract.

The Innovation: Traditional insurance has 40-60% overhead costs from intermediaries, underwriters and administrative bloat with a lot of PERSONAL BIAS. Ensura eliminates this by using blockchain automation, AI-driven risk assessment and peer-to-peer capital provision. The result: 30-50% lower premiums, instant payouts and complete transparency.

We stitched the whole system together using a mix of on-chain logic, AI scoring, and decentralized data layers. The insurance quotes are generated by our underwriting agent, and all the quote inputs + outputs are stored on 0G so they stay tamper-proof and easy to fetch across sessions.

For the on-chain logic itself, we used Flare’s Data Connector (FDC) to securely feed external data into our smart contracts—this keeps policy creation and verification transparent without relying on custom or centralized APIs.

We use Pyth Entropy during the matching phase to shuffle underwriters in a fair, unbiased way so no single provider can game placement. The policy contracts live on World Chain and plug directly into World App so users can hold their coverage NFT and manage payments in one place.