⚡ HyperInsure

The first on-chain insurance protocol protecting blockchain users from transaction latency, mempool congestion, and finality delays, powered by Stacks + Bitcoin security.

Overview

HyperInsure provides non-intrusive, verifiable insurance coverage for risks associated with transaction delays. Instead of paying high "tips" on top of base fees, users can purchase affordable insurance policies that provide protection against various types of transaction delays.

Key Features

Transaction Delay Protection: Coverage for transactions stuck in mempools
Mempool Congestion Insurance: Protection during high network activity periods
Finality Risk Coverage: Insurance against finality delays across congested networks
Non-Intrusive Implementation: No additional parameters or code modifications needed
Verifiable Claims Process: Transparent, on-chain verification of delays

How It Works

Purchase Coverage: Users purchase coverage by paying STX tokens and selecting a policy
Bitcoin Transaction Verification: Users provide Bitcoin transaction details (TX ID, broadcast height, inclusion height)
Delay Calculation: The system calculates delay using Bitcoin burn block heights (inclusion height - broadcast height)
Smart Contract Verification: Clarity smart contracts verify Bitcoin transaction proofs and calculate delays
Automatic Payouts: If delay ≥ policy threshold, payouts are automatically released from the STX treasury

Smart Contract Architecture

Note: The diagrams below show the conceptual architecture. The current implementation uses direct Bitcoin transaction verification via Clarity Bitcoin Library, without requiring an RPC Proxy.

Interaction Diagrams

1. Policy Creation and Purchase Flow

sequenceDiagram
    participant Admin
    participant User
    participant UI
    participant Insurance Contract

    Note over Admin, Insurance Contract: Policy Creation (Admin Only)
    Admin->>Insurance Contract: create-policy(policy-id, name, description, premium-rate, delay-threshold, protocol-fee)
    Insurance Contract->>Insurance Contract: Store policy configuration
    Insurance Contract-->>Admin: Policy created

    Note over User, Insurance Contract: User Purchases Policy
    User->>UI: View available policies
    UI->>Insurance Contract: get-policy(policy-id)
    Insurance Contract-->>UI: Policy details (premium rate, delay threshold, etc.)
    UI-->>User: Display policy options
    User->>UI: Select policy and STX amount
    UI->>Insurance Contract: purchase-policy(policy-id, stx-amount, purchase-id)
    Insurance Contract->>Insurance Contract: Calculate premium and store purchase
    Insurance Contract->>Insurance Contract: Transfer STX to treasury
    Insurance Contract-->>UI: Purchase confirmation
    UI-->>User: Coverage active with purchase ID

2. Bitcoin Transaction Delay Verification

sequenceDiagram
    participant User
    participant UI
    participant Bitcoin API
    participant Insurance Contract
    participant Clarity Bitcoin Lib

    User->>UI: Enter Bitcoin TX ID
    UI->>Bitcoin API: Fetch transaction data
    Bitcoin API-->>UI: Transaction details (broadcast height, inclusion height, fee rate)
    UI->>UI: Calculate delay (inclusion - broadcast blocks)
    UI-->>User: Display delay analysis
    
    alt Delay exceeds policy threshold
        User->>UI: Submit claim with TX ID and proof
        UI->>Insurance Contract: submit-claim-with-proof(purchase-id, tx-id, broadcast-height, inclusion-height, merkle-proof)
        Insurance Contract->>Clarity Bitcoin Lib: Verify Bitcoin transaction
        Clarity Bitcoin Lib->>Clarity Bitcoin Lib: Validate merkle proof
        Clarity Bitcoin Lib-->>Insurance Contract: Transaction verified
        Insurance Contract->>Insurance Contract: Calculate delay using burn block heights
        Insurance Contract->>Insurance Contract: Verify delay >= policy threshold
        Insurance Contract->>Insurance Contract: Calculate payout amount
        Insurance Contract->>User: Transfer STX payout
        Insurance Contract-->>UI: Claim approved
    else Delay below threshold
        UI-->>User: Not eligible for claim
    end

3. Complete Claim Processing Flow

sequenceDiagram
    participant User
    participant UI
    participant Bitcoin API
    participant Insurance Contract
    participant Clarity Bitcoin Lib
    participant Treasury

    User->>UI: Select purchase and enter Bitcoin TX ID
    UI->>Bitcoin API: Fetch transaction from mempool.space/blockstream
    Bitcoin API-->>UI: Transaction data (heights, confirmations, fee)
    UI->>UI: Estimate broadcast height if not provided
    UI->>UI: Calculate delay (inclusion height - broadcast height)
    UI-->>User: Display delay analysis and eligibility
    
    User->>UI: Submit claim
    UI->>Insurance Contract: submit-claim-with-proof(purchase-id, claim-id, tx-id, broadcast-height, inclusion-height, merkle-proof)
    Insurance Contract->>Insurance Contract: Verify purchase exists and active
    Insurance Contract->>Clarity Bitcoin Lib: Verify Bitcoin transaction
    Clarity Bitcoin Lib->>Clarity Bitcoin Lib: Validate merkle proof and block headers
    Clarity Bitcoin Lib-->>Insurance Contract: Transaction verified
    Insurance Contract->>Insurance Contract: Calculate delay using burn block heights
    Insurance Contract->>Insurance Contract: Verify delay >= policy threshold
    
    alt Valid claim and delay >= threshold
        Insurance Contract->>Insurance Contract: Calculate payout based on premium
        Insurance Contract->>Treasury: Check STX balance
        Treasury-->>Insurance Contract: Balance sufficient
        Insurance Contract->>User: Transfer STX payout
        Insurance Contract->>Insurance Contract: Mark purchase as claimed
        Insurance Contract-->>UI: Claim approved and payout sent
    else Invalid claim
        Insurance Contract-->>UI: Claim rejected (delay too short, invalid proof, etc.)
    end
    
    UI-->>User: Claim result with transaction details

4. Complete User Journey

graph TD
    A[User wants Bitcoin transaction protection] --> B[Purchase insurance policy with STX]
    B --> C[Policy active - coverage purchased]
    C --> D[User sends Bitcoin transaction]
    D --> E{Transaction delayed?}
    E -->|No delay| F[Transaction confirmed on time - no claim needed]
    E -->|Delayed| G[User verifies delay on Verify page]
    G --> H{Delay >= policy threshold?}
    H -->|No| I[Not eligible - delay too short]
    H -->|Yes| J[User submits claim with TX ID and proof]
    J --> K[Contract verifies Bitcoin transaction]
    K --> L[Contract calculates delay using burn blocks]
    L --> M{Valid claim?}
    M -->|Yes| N[Automatic STX payout from treasury]
    M -->|No| O[Claim rejected - see reason]

HyperInsure is built on a streamlined contract architecture with core components:

HYPERINSURE_CORE_V2: Main contract managing policies, purchases, claims, and treasury functions
- create-policy: Admin function to create new insurance policies
- purchase-policy: User function to purchase coverage
- submit-claim-with-proof: User function to submit claims with Bitcoin transaction proofs
- set-admin: Admin function to change contract administrator
Clarity Bitcoin Library: Provides Bitcoin transaction verification on-chain
- Verifies Bitcoin transaction existence
- Validates merkle proofs
- Calculates block heights and delays
Insurance Treasury: Manages STX reserves for instant payouts
Governance Contract (optional): Controls protocol parameters and upgrades

Technology Stack

Frontend

Next.js 15.2.4 - React framework with App Router
React 19 - UI library
TypeScript - Type safety
Tailwind CSS - Utility-first CSS framework
shadcn/ui - Accessible component library
@stacks/connect-react - Stacks wallet integration
@stacks/transactions - Stacks transaction building
sonner - Toast notifications
lucide-react - Icon library
framer-motion - Animations

Blockchain

Stacks blockchain - Layer 1 blockchain
Clarity smart contracts - Decidable smart contract language
Bitcoin security - Burn block heights for objective time measurement
Clarity Bitcoin Library - Bitcoin transaction verification on-chain
HYPERINSURE_CORE_V2 - Main insurance contract managing policies, purchases, and claims

Getting Started

Prerequisites

Node.js 18+
pnpm (recommended) or npm/yarn

Installation

# Clone the repository
git clone https://github.com/AmaanSayyad/HyperInsure.git

# Navigate to the project directory
cd HyperInsure

# Install dependencies
pnpm install
# or
npm install

# Create environment file
cp .env.example .env.local
# Edit .env.local with your contract addresses and configuration

# Start the development server
pnpm dev
# or
npm run dev

Visit http://localhost:3000 to view the application.

Environment Variables

Create a .env.local file in the root directory with the following variables:

# Network Configuration
NEXT_PUBLIC_NETWORK=testnet
NEXT_PUBLIC_STACKS_API_URL=https://api.testnet.hiro.so
NEXT_PUBLIC_DEPLOYER_ADDRESS=ST19EWTQXJHNE6QTTSJYET2079J91CM9BRQ8XAH1V

# Core Insurance Contracts
NEXT_PUBLIC_HYPERINSURE_CORE_V2_CONTRACT=ST19EWTQXJHNE6QTTSJYET2079J91CM9BRQ8XAH1V.hyperinsure-core-v2
NEXT_PUBLIC_CLARITY_BITCOIN_CONTRACT=ST19EWTQXJHNE6QTTSJYET2079J91CM9BRQ8XAH1V.clarity-bitcoin
NEXT_PUBLIC_INSURANCE_TREASURY_CONTRACT=ST19EWTQXJHNE6QTTSJYET2079J91CM9BRQ8XAH1V.insurance-treasury-v2
NEXT_PUBLIC_POLICY_MANAGER_CONTRACT=ST19EWTQXJHNE6QTTSJYET2079J91CM9BRQ8XAH1V.policy-manager
NEXT_PUBLIC_CLAIM_PROCESSOR_CONTRACT=ST19EWTQXJHNE6QTTSJYET2079J91CM9BRQ8XAH1V.claim-processor

# Enhanced Contracts
NEXT_PUBLIC_FRONTEND_API_CONTRACT=ST19EWTQXJHNE6QTTSJYET2079J91CM9BRQ8XAH1V.frontend-api

# Governance and Oracle
NEXT_PUBLIC_GOVERNANCE_CONTRACT=ST19EWTQXJHNE6QTTSJYET2079J91CM9BRQ8XAH1V.governance
NEXT_PUBLIC_ORACLE_CONTRACT=ST19EWTQXJHNE6QTTSJYET2079J91CM9BRQ8XAH1V.oracle

# Legacy (if using older contracts)
NEXT_PUBLIC_HYPERINSURE_CORE_CONTRACT=ST19EWTQXJHNE6QTTSJYET2079J91CM9BRQ8XAH1V.hyperinsure-core

# Bitcoin API Configuration
NEXT_PUBLIC_BITCOIN_API_URL=https://mempool.space/testnet/api
NEXT_PUBLIC_BITCOIN_NETWORK=testnet
NEXT_PUBLIC_MEMPOOL_API_URL=https://mempool.space/testnet/api
NEXT_PUBLIC_CLARITY_BITCOIN_MAINNET=SP2PABAF9FTAJYNFZH93XENAJ8FVY99RRM50D2JG9.clarity-bitcoin-lib-v5

# Explorer
NEXT_PUBLIC_EXPLORER_URL=https://explorer.hiro.so

# Policy Defaults (optional)
NEXT_PUBLIC_DEFAULT_DELAY_THRESHOLD=35
NEXT_PUBLIC_DEFAULT_POLICY_DURATION=1000
NEXT_PUBLIC_MIN_PREMIUM_AMOUNT=100000
NEXT_PUBLIC_MAX_COVERAGE_AMOUNT=100000000000

# Debug Settings (optional)
NEXT_PUBLIC_DEBUG_MODE=false
NEXT_PUBLIC_ENABLE_CONSOLE_LOGS=false

Note: Replace the contract addresses above with your actual deployed contract addresses. The deployer address ST19EWTQXJHNE6QTTSJYET2079J91CM9BRQ8XAH1V is an example - use your own deployer address.

See lib/stacks-config.ts for all available configuration options and their default values.

Contract Explorer Links

All deployed contracts can be viewed on the Stacks Explorer:

Contract Name	Contract ID	Explorer Link
HyperInsure Core V2	`ST19EWTQXJHNE6QTTSJYET2079J91CM9BRQ8XAH1V.hyperinsure-core-v2`	View on Explorer
Clarity Bitcoin	`ST19EWTQXJHNE6QTTSJYET2079J91CM9BRQ8XAH1V.clarity-bitcoin`	View on Explorer
Insurance Treasury V2	`ST19EWTQXJHNE6QTTSJYET2079J91CM9BRQ8XAH1V.insurance-treasury-v2`	View on Explorer
Policy Manager	`ST19EWTQXJHNE6QTTSJYET2079J91CM9BRQ8XAH1V.policy-manager`	View on Explorer
Claim Processor	`ST19EWTQXJHNE6QTTSJYET2079J91CM9BRQ8XAH1V.claim-processor`	View on Explorer
Frontend API	`ST19EWTQXJHNE6QTTSJYET2079J91CM9BRQ8XAH1V.frontend-api`	View on Explorer
Governance	`ST19EWTQXJHNE6QTTSJYET2079J91CM9BRQ8XAH1V.governance`	View on Explorer
Oracle	`ST19EWTQXJHNE6QTTSJYET2079J91CM9BRQ8XAH1V.oracle`	View on Explorer
HyperInsure Core (Legacy)	`ST19EWTQXJHNE6QTTSJYET2079J91CM9BRQ8XAH1V.hyperinsure-core`	View on Explorer

Note: Replace ST19EWTQXJHNE6QTTSJYET2079J91CM9BRQ8XAH1V with your actual deployer address in the links above. The contract names should match your deployed contracts.

Usage

Complete User Workflow

1. Purchase Insurance Policy

Navigate to the Purchase page (/purchase)
Connect your Stacks wallet
Select an insurance policy (Starter, Professional, or Enterprise)
Enter the amount of STX to deposit as premium
Review premium rate, delay threshold, and protocol fee
Complete the purchase transaction
Your purchase ID will be stored and displayed

2. View Your Policies

Navigate to the Policies page (/policies)
View available policies created by admins
See your purchased policies with details:
- Policy name and ID
- Delay threshold
- Premium paid
- Coverage amount
- Expiration status
Use search and filters to find specific policies
Get alerts for policies expiring soon

3. Verify Transaction Delay (Optional)

Navigate to the Verify page (/verify)
Enter your Bitcoin transaction ID (TX ID)
Optionally provide broadcast block height
Click "Analyze Delay" to check:
- Estimated broadcast height
- Confirmation height
- Delay in blocks and minutes
- Fee rate analysis
- Eligibility for claim

4. Submit a Claim

Navigate to the Claim page (/claim)
Connect your Stacks wallet (must match purchase wallet)
Select the policy purchase you want to claim for
Enter your Bitcoin transaction ID
Optionally provide broadcast block height (or let system estimate)
Click "Verify & Analyze Delay"
Review the delay analysis:
- If eligible: Transaction delay exceeds policy threshold
- If not eligible: See why (delay too short, transaction not confirmed, etc.)
If eligible, click "Submit Claim"
Receive instant verification and automatic payout if approved

Admin Features

Create Policies

Navigate to the Admin page (/admin)
Connect with admin wallet
Go to "Policies" tab
Fill in policy details:
- Policy ID (e.g., POL-001)
- Policy name
- Description
- Premium rate (percentage)
- Delay threshold (blocks)
- Protocol fee (percentage)
Submit transaction to create policy

Manage Admin Access

Navigate to the Admin page (/admin)
Go to "Admin Settings" tab
View current admin address
Update admin address (requires current admin wallet)
Submit transaction to change admin

View System Statistics

Navigate to the Admin page (/admin)
View "Overview" tab for:
- Total policies and purchases
- Total deposits and payouts
- Contract balance and revenue
- System health metrics

Application Pages

Home (/): Landing page with features, coverage plans, testimonials, FAQ, and CTA
Policies (/policies): Dashboard to view available policies and your purchased policies
Purchase (/purchase): Purchase insurance coverage with STX tokens
Verify (/verify): Verify Bitcoin transaction delays before submitting claims
Claim (/claim): Submit insurance claims for delayed Bitcoin transactions
Admin (/admin): Admin panel for creating policies, managing admin access, and viewing statistics

Key Features Implemented

✅ Policy Management: Admins can create customizable insurance policies
✅ Policy Purchase: Users can purchase coverage with STX tokens
✅ Bitcoin Transaction Verification: Automatic verification of Bitcoin transaction delays
✅ Claim Submission: Submit claims with Bitcoin transaction proofs
✅ Automatic Payouts: Instant payouts when delay exceeds threshold
✅ Real-time Statistics: Admin dashboard with system metrics
✅ Wallet Integration: Seamless Stacks wallet connection
✅ Transaction Tracking: View all purchases and claims on-chain
✅ Policy Expiration Alerts: Notifications for expiring policies
✅ Modern UI/UX: Beautiful, responsive design with glassmorphism effects

Future Roadmap

We plan to extend HyperInsure to cover additional blockchain risks:

Wallet theft protection via Arkham
Transaction failure coverage
Gas-spike hedging
Validator risk coverage
Cross-chain finality protection
Mobile app for iOS and Android
Multi-signature wallet support
Insurance pool sharing

Contact

For questions or support, please reach out to us at:

Email: [email protected]
PitchDeck: https://docs.google.com/presentation/d/1EkrUS-6aj6qx1YxMwxP_RauebVnhXj5RC8IYZp5XFBw/edit?usp=sharing
Twitter: @HyperInsure

Name		Name	Last commit message	Last commit date
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.vscode		.vscode
app		app
components		components
hyperinsure		hyperinsure
lib		lib
public		public
styles		styles
tests		tests
.DS_Store		.DS_Store
.gitignore		.gitignore
README.md		README.md
components.json		components.json
next.config.mjs		next.config.mjs
package-lock.json		package-lock.json
package.json		package.json
pnpm-lock.yaml		pnpm-lock.yaml
postcss.config.mjs		postcss.config.mjs
tailwind.config.ts		tailwind.config.ts
test-policy-check.js		test-policy-check.js
test.md		test.md
tsconfig.json		tsconfig.json

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⚡ HyperInsure

Overview

Key Features

How It Works

Smart Contract Architecture

Interaction Diagrams

1. Policy Creation and Purchase Flow

2. Bitcoin Transaction Delay Verification

3. Complete Claim Processing Flow

4. Complete User Journey

Technology Stack

Frontend

Blockchain

Getting Started

Prerequisites

Installation

Environment Variables

Contract Explorer Links

Usage

Complete User Workflow

1. Purchase Insurance Policy

2. View Your Policies

3. Verify Transaction Delay (Optional)

4. Submit a Claim

Admin Features

Create Policies

Manage Admin Access

View System Statistics

Application Pages

Key Features Implemented

Future Roadmap

Contact

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