Builder: @wentyom · © 2026 All rights reserved
Arc Climate Pay is a parametric weather insurance protocol on Arc Network. Users buy on-chain USDC policies against real weather conditions (frost, heat, heavy rain, drought, high wind). When the oracle confirms a trigger, the smart contract pays out automatically.
The key innovation: an AI agent that accepts a 0.01 USDC nano-payment on-chain, analyzes live weather data via Groq LLM, and generates a complete ready-to-deploy insurance policy in seconds. The user pays → AI analyzes → policy deploys. Two clicks. No manual parameter tuning.
This is where Arc + nano-payments unlock something previously impossible:
User clicks "Run AI"
↓
0.01 USDC transferred on-chain to ArcTreasury contract
↓ (sub-second, predictable USDC fee, no gas overhead)
Payment confirmed → AI analysis unlocked
↓
Groq LLM (llama-3.3-70b-versatile) analyzes live oracle weather data
↓
Structured policy parameters returned (threshold, risk, payout estimate)
↓
User clicks "Buy Policy" → ClimateInsurance contract deployed
↓
Oracle monitors 24/7 → auto-payout if condition triggered
The 0.01 USDC fee is per-action pricing — the AI agent earns revenue every time it runs. This is the core of the agentic economy model: AI agents as economic actors that charge for their services at a usage-based, micro level that was previously impossible with traditional gas cost models.
| Component | Detail |
|---|---|
| Model | llama-3.3-70b-versatile via Groq |
| Input | Live weather data from on-chain oracle (temp, precip, wind) |
| Output | Threshold · Risk level · Analysis reason · Expected trigger scenario |
| Fee | 0.01 USDC per analysis (on-chain, to ArcTreasury) |
| Proxy | Server-side PHP — API key never in browser |
| Fallback | None — real AI or hard error. No fake local output. |
Why per-action pricing matters here: Traditional gas fees would make 0.01 USDC transactions economically unviable. Arc's predictable USDC-denominated fees and sub-second finality make this micro-payment model work at scale.
Each user interaction produces multiple on-chain transactions:
| Action | Transactions |
|---|---|
| AI Agent run | 1 (USDC transfer → ArcTreasury) |
| Policy purchase | 2 (USDC approve + buyPolicy) |
| Claim | 1 (claim + auto-payout) |
A single insurance lifecycle = 4 on-chain transactions, all settled in USDC on Arc.
| Contract | Address |
|---|---|
| WeatherOracle | 0x91ead468f0f6eD9a6FD95CBd9D32905bbfe51Eb7 |
| ClimateInsurance | 0xe1C64B2Db76499c0A82336Cc0eBdC10c79656555 |
| ArcTreasury | 0x1bcEce52fA6AC49A4cd1622C2B0f68326E651a7E |
| USDC | 0x3600000000000000000000000000000000000000 |
Explorer: testnet.arcscan.app
11 cities: Istanbul · New York · London · Tokyo · São Paulo · Seoul · Paris · Berlin · Dubai · Sydney · Mumbai
5 risk types: ❄ Frost · 🔥 Heat · 🌧 Heavy Rain · 🏜 Drought · 🌬 High Wind
Policy parameters:
- Premium: 5–20 USDC
- Duration: 7 / 10 / 30 days
- Payout: up to ×ばつ net premium
- Platform fee: 7%
- Per-wallet cooldown: 48 hours
| Layer | Technology |
|---|---|
| Blockchain | Arc Network Testnet |
| Settlement | Circle USDC |
| Smart Contracts | Solidity 0.8.20 |
| AI Model | Groq llama-3.3-70b-versatile |
| Weather Oracle | Open-Meteo API → on-chain every 10 min |
| Frontend | HTML + ethers.js v6 |
| Wallet | MetaMask / OKX / Rainbow / Coinbase |
ReentrancyGuardon all state-changing functions- 48-hour cooldown per wallet
- 60 USDC weekly payout cap per wallet
- Emergency
pause()mechanism - Pool solvency check before every policy creation
- AI API key server-side only (never in browser)
RPC: https://rpc.testnet.arc.network
Chain ID: 5042002
Explorer: https://testnet.arcscan.app
USDC: 0x3600000000000000000000000000000000000000
MIT · © 2026 wentyom
Original concept, architecture, and implementation by @wentyom. If you build on this, give proper credit.
Built on Arc Network · Circle USDC · Groq