Insurance that pays the claim before it is proven, because on Arc taking it back is certain.

Insurance verifies first because clawback was unenforceable. Once the money left, it could not come back, so payout speed was capped by investigation speed, and the person with the cracked screen or the washed-out field waited weeks for a decision they had already paid for. Parametric products sped up the check; nobody could change the order.

Pay first, prove after. You file with a bond of one tenth. The claim lands in your account in the same transaction. The checks run afterwards, on screen, with the money already yours. Proven: the bond comes back. Reversed: the bond is forfeited, the payout is owed, and you cannot file again until it is settled, all in the verdict's block.

Underwriters fund a pool that pays claims first and earns premiums, bond forfeits and the float. Verification is a pipeline of checks that can be automated per claim type: carrier data, weather stations, police report numbers, device photos.

Paying before proving only works if the payment lands at once and taking it back is certain. On Arc the payout is final in under a second and cannot be front-run or left pending, and the bond, the debt and the block on the claimant are enforced by the same contract in the same block as the verdict.

• Premiums. Policies bought per event or per period, priced per claim type; the platform keeps a share and the pool the rest.
• Bond forfeits. A fifth of every forfeited bond to the platform. Already in the contract.
• Verification as a service. The check pipeline, sold to other insurers who want to pay first.

Global insurance premiums are around seven trillion dollars a year. The slice that is small, frequent and verifiable by data (travel, devices, parcels, crops, gig income) is where pay-first wins outright: the customer feels the difference on the first claim, and the cost of the check falls to nearly nothing once it runs after payment instead of before.

• Upfront, live on Arc mainnet
• Upfront.sol: six tests, paid in the filing transaction
• Deploy it from your wallet

1. Live nowFile and get paid in one transaction, bonded claims, on-chain verdicts, pool funding, revenue share.
2. 90 daysPolicies: buy cover per event type with premiums on chain. Automated checks for flights and parcels from carrier data.
3. 6 monthsUnderwriter portal with pool returns and loss ratios; claimant history and pricing by record; ten thousand claims.
4. 12 monthsWhite-label pay-first for existing insurers; verification pipeline as a service; regulated pilot in one market.

A developer grant of USD 75,000 over six months funds policies, two automated check integrations, and an underwriter pilot, with milestones at the first thousand paid claims and a loss ratio report. Draft figure.

Built by one person, in the open, on a foundation that puts a new product on Arc in under an hour. Name your price, or free.

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