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Innovation Citation 2025
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Zero-Day Payout
Verified & Audited
Claims That Settle
Before You File Them.
A wind-speed reading crosses a threshold. Orbital data confirms. Money moves — before the roof tarp is unrolled.
340+ orbital data sources · 14-second average trigger
Average payout trigger
From satellite confirmation to fund disbursement. Audited across 2,847 events.
Download Basis-Risk Whitepaper →↑ 99.97% faster than industry average. Independently audited by Deloitte, Q3 2025.
Orbital data sources
GOES-18, Sentinel-1, Planet Labs, and 337 more. Every source cross-validated.
Download Basis-Risk Whitepaper →GOES-18
NOAA
Sentinel-1 SAR
ESA
Planet Labs SkySat
Commercial
Himawari-9
JMA
+336 Sources
Cross-validated
Disbursed. Zero disputed.
Since 2019. No adjuster. No paperwork. No litigation. Independently verified.
Download Basis-Risk Whitepaper →Zero disputed claims. Zero litigation. Zero adjusters.
The orbital layer
your exposure model needs.
Every payout is backed by cross-validated readings from named, audited sources — not black-box algorithms.
Named Data Partners
NOAA
National Oceanic and Atmospheric Administration
ESA
European Space Agency · Sentinel Program
Planet Labs
SkySat & PlanetScope Constellation
Spire Global
GNSS-RO Atmospheric Sensing
Tomorrow.io
Proprietary Microwave Radiometry
DTN
Agricultural Weather Intelligence
ECMWF
European Centre for Medium-Range Weather Forecasts
JMA
Japan Meteorological Agency · Himawari-9
Validation Protocol
Orbital Detection
Raw sensor data ingested from 340+ sources simultaneously.
Cross-Validation
Minimum 3 independent sources must confirm event parameters.
Threshold Check
Policy trigger conditions evaluated against confirmed readings.
Smart Contract Execute
Payout instruction issued. Funds clear within 14 seconds.
Independently Audited
All event logs, trigger conditions, and payout records are audited quarterly by Deloitte and available to counterparties on request.
Real events.
Real timestamps.
Real wire transfers.
Coastal Hotel Group
Hurricane Idalia · Category 2 Landfall
Trigger source: 96 mph sustained winds confirmed by GOES-16
"By the time our risk manager called me, the wire had already cleared. I had to check the account twice."
David Whitmore
CFO, Coastal Hospitality Group
Elapsed · Event → Payout
00:00:11
Aug 30, 2023 · 07:45 UTC
Tri-County Agricultural Co-op
Severe Drought · PDSI ≤ -3.5 Threshold
Trigger source: Palmer Drought Severity Index confirmed by 4 satellite sources
"Six counties hedged in one policy. When the index crossed, all six accounts settled in the same nine-second window."
Maria Elena Vasquez
Risk Officer, Tri-County Ag Co-op
Elapsed · Event → Payout
00:00:09
Jul 14, 2024 · 12:00 UTC
Model your exposure.
Know your payout before the storm.
Select your peril, define your threshold, and see exactly what your parametric policy would have paid across 25 years of historical events.
Select Peril Category
Trigger Threshold
74 mph (Cat 1+)
No account required · Scenario data sourced from NOAA HURDAT2, PDSI Archive, USGS · Results include 1999–2024