Insurance Protocol

This project is a decentralized travel insurance protocol built on Celo using the Self Onchain SDK and Chainlink oracles. It allows travelers to buy insurance policies that automatically trigger payouts in case of delays, cancellations, or missed flights—without relying on third-party claims.

Identity Verification: Users prove eligibility with Self SDK (passport, Aadhaar, or ID) while preserving privacy (zero-knowledge proofs, no private info revealed).

Policy Tokenization: Each insurance policy is issued as a soulbound token (SBT), ensuring it cannot be transferred or misused.

Smart Contracts: Travel insurance logic is fully onchain, handling policy creation, premium collection, and payout conditions.

Oracles: Chainlink provides trusted flight status and weather data to automatically determine if payouts should occur.

Automation: If a flight is delayed or cancelled, the contract executes instant payouts in cUSD directly to the insured traveler’s wallet.

Cross-chain Ready: Using LayerZero + Self cross-chain examples, the protocol can extend beyond Celo to other EVM chains.

This creates a permissionless, privacy-first, and automated travel insurance platform, combining the best of Self (identity proofs) and Chainlink (data feeds + automation) to deliver fair and instant coverage.

We built this project by combining Self SDK for privacy-preserving identity proofs with Chainlink oracles and automation to create a fully onchain travel insurance protocol on Celo.

Identity Verification with Self SDK:

Integrated Self onchain SDK into our contracts to verify users’ nationality, age range, and Aadhaar/ID proofs.

This ensures policies are only issued to eligible travelers while never exposing private data.

The merkle tree of identity commitments maintained by Self gives us a tamper-proof eligibility layer.

Policy Tokenization:

Insurance policies are minted as soulbound tokens (SBTs) that cannot be transferred, ensuring fairness and preventing secondary market abuse.

Used the Self SBT example repo as a starting point, extended with custom policy metadata.

Smart Contracts on Celo:

Deployed main InsuranceManager.sol contract to handle:

Premium collection in cUSD

Policy issuance

Automated payout execution

Used OpenZeppelin libraries for ERC-721 SBT handling and upgradeable contracts.

Chainlink Oracle + Automation:

Integrated Chainlink Flight Status API (via external adapter) and Chainlink Automation to monitor flights.

When a flight delay or cancellation is detected, the smart contract triggers an instant payout to the insured wallet.

Chainlink made this possible in a trust-minimized, censorship-resistant way without centralized adjudication.

Cross-Chain Design:

Experimented with LayerZero + Self cross-chain demo to allow the insurance proof to be portable to other EVM chains.

While Celo is the primary chain, this architecture keeps the project extensible.

Frontend + Wallet Integration:

Built a Next.js + Tailwind dApp with RainbowKit + WalletConnect for seamless traveler onboarding.

Travelers can connect wallets, prove identity via Self SDK, pay premiums in cUSD, and track active policies.

Hacky but Notable:

We extended the Self Happy Birthday example to check “age range eligibility” for specific travel plans.

Also built a mock Chainlink external adapter to simulate flight delay data during testing, so we could test payouts without waiting for real delays.

Partner Tech Benefits:

Self SDK: enabled secure identity proofs without KYC servers. Chainlink: gave us flight/weather APIs + automation to execute payouts instantly. Celo: low fees, mobile-first ecosystem made it ideal for travel insurance targeting global users.