Picture this

Who it is for

Bola rides for a delivery app in Lagos. She taps on and is covered up to $250 at $1.44 an hour, paid by the second from her own jar, and taps off when the shift ends.

Two ways to own it

What you get

Base$299

$75 deposit to reserve

The full app from Terry's Arc portfolio: live surface, contracts on Arc, about page, handover of code and deployment.

You choose: brand name
You choose: accent color
You choose: domain

Customfrom $2,500

Built around you

Reshape it entirely: new features, your flows, your brand end to end, integrations you need. We scope it with you.

Everything in Base
Custom features and design
Priority build

Why it is new

What exists today, and what this does differently

What is new

Per second microinsurance for gig shifts was not found.

Closest things out there

Pay per use insurance pilots off chain.

Checked with web searches in October 2026. A search is not proof that nothing similar exists, and the market moves fast, so we recheck before every build.

What it unlocks

The human in it

Built for Arc's sub second, USDC native settlement.

The Regatta Board

Races it can enter

hackathon · Circle · upcoming

Arc / Circle developer programs and hackathons

unknown

Official page ↗

Answers Arc's Request for Builders; check current terms.

Their rule on existing code: unknown

What you own

The whole app, not a starter kit.

The complete Skim app: gig workers tap on cover when a shift starts, pay for exactly the seconds they ride from their own USDC jar on Arc, and get small claims paid the same night, with plans and a USDC checkout built in.

Base price · $299

The user app, complete

Every buyer gets the same finished app. Basic branding and copy changes come through a quick form.

Three step onboardingHome

Shown once: cover only while you work, paid by the second from your jar, pick your limit.

Cover status and next actionHome

Cover on or off, jar balance, hourly price, recent receipts and one next step.

Tap on meter by the secondShift

A live gauge of covered seconds and premium paid, with the route filling as she rides.

Quiet shift or pothole fallShift

Ride a full shift with idle auto off, or the fall at 9:14 PM that pauses the premium.

Cover settingsShift

Limit per shift, bike and phone add-ons and the idle switch off, priced live per hour, second and in naira.

Pothole alerts on your routeShift

Reported potholes ahead on her route. Gated behind Rider Plus.

Two step claim flowClaims

What happened, then evidence; an unreadable photo is replaced by the clinic's WhatsApp invoice.

Auto pay or human reviewClaims

Under the limit pays at once; above it goes to a reviewer. Paid claims show an onchain receipt and share card.

Family alert on a claimClaims

One SMS that she is safe, no medical details. Gated behind Rider Plus.

USDC jar with top up and cash outJar

Jar balance, top ups through the shared USDC checkout, low jar warnings and agent cash out.

Receipts, onchain and offchainJar

Every premium, top up and payout with tx hash, and what is never published.

Month view and Friday cardMonth

Weekly cost against a flat policy, where her hours went, pothole report with a free hour.

12 week history and cover statementMonth

Covered hours over 12 weeks and a statement for a lender or fleet. Gated behind Rider Plus.

Plans and USDC checkoutMe

Rider, Rider Plus and Fleet through the shared checkout, plus profile, permissions and vision.

Open the full app demo

Add-on

Owner console

Your admin side: revenue, paywall editor, users, rules and the agent log.

Revenue and paywall editorRevenue

Premium volume, disclosed margin, plan MRR, incoming USDC payments, payment methods, payouts and live plan editing.

Claims review queueClaims

Approve or ask for more, pool health against target; no claim is ever declined by a bot.

Pricing and claim rulesRules

Hourly price per limit, add-on prices, auto pay line, margin, idle default and locked never rules.

Shift agent logAgent

Every decision including failures and adaptations, a Friday run and running costs.

Roadmap build requestsRoadmap

v2 and v3 scopes with add-on prices and a quote request.

Top-up

Growth and referrals

Referral and growth mechanics, switched on when you are ready to grow.

Pickup spot loop, fleets and referralsRiders

Run a pickup spot evening, cohorts, sign a fleet, top referrers.

The money path, built in

How it earns for you

Riders pay a per second premium; the owner earns a disclosed margin inside it, agreed with a licensed underwriter partner. Riders can add Rider Plus, and fleets pay per rider seat. Claims are never behind a plan.

RiderFree, premium onlyTap on and off, claims, jar, receipts and the Friday card

Rider Plus$1 a monthPothole alerts on your route, 12 week history and cover statement, family alert on a claim

Fleet$2 per rider a monthEvery rider on Plus, jar top ups for riders and a fleet view

Owner margin set in Rules (8 to 15 percent of the premium), disclosed to riders. Network fees on Arc are paid in USDC and are cents or less per shift.

Prices are yours to set. Illustrative, not a promise of income.

Growth loops, built in

How it spreads

Pickup spot evenings: riders show the same night payout share card to riders waiting at the same restaurant
Invite codes that give both riders a free hour of cover
Pothole reports that earn a free hour and warn other riders
Fleets and rider associations that bring all their riders at once

Roadmap · build the next phase with us

Where it goes next

v1 included

Cover that rides with you

Tap on, tap off, by the second premium from a USDC jar
Idle auto off from motion and order status
Claims with invoice checks, auto pay and human review
Friday card, pothole reports and share card
Plans, paywall editor, claims queue, rules and agent log

Included

Fleets and platforms

Fleet dashboard to top up riders' jars
Platform embed where a delivery app funds part of the premium
Bike and phone add-ons priced by area
Mobile money top up and cash out partners

Add-on from $600

Every kind of shift

Cover for cleaners, drivers and market porters
Multi country with a partner per market
Opt-in safety score from smooth riding and reports
Reinsurance reporting for the pool

Add-on from $1,200

For investors and grant reviewers

The pitch, ready

Cover that switches on with you, priced and paid by the second while you work.

Problem: Delivery riders face injury and bike risk every shift, but monthly policies cost too much for irregular income, charge for hours they are asleep, and claims take weeks.

Solution: A worker owned on and off switch that streams the premium from her own USDC jar on Arc, auto pauses when idle, and pays small claims the same night with a human reviewing the rest.

Why now: Arc settles USDC in under a second with fees paid in USDC, phones already know motion and open orders, and small models can read clinic invoices for fractions of a cent.

Market: Delivery and ride riders in fast growing gig cities, starting with Lagos riders and their associations, then other shift work.

The ask: Pilot with one rider association in Lagos and a licensed underwriter partner for twelve weeks.

Funding is never guaranteed. Check each program's rules.

For hackathons and demo days

Your 2 minute demo

Home: Bola at 7:52 PM, cover off and paying nothing; tap on for tonight.
Shift: pick the pothole, ride fast and watch the meter pause at the fall.
Claims: the photo is unreadable, send the WhatsApp invoice, the claim goes to a person.
Owner Claims: approve Bola's claim and it lands in her jar.
User Claims: the paid receipt, the share card and the family alert behind Rider Plus.
Owner Rules: raise the auto pay line and change the hourly price.
Owner Revenue: edit Rider Plus and preview the plans in the rider app.
Owner Riders: run a pickup spot evening.

Many hackathons require code written at the event. See the Regatta Boardfor each race's rule.

Make it entirely yours

Custom cover products, underwriter integrations, new countries, platform embeds and branded rider apps, scoped on a call from $2,500.

Custom from $2,500

BLUEPRINT

Why it matters and how it really works

The need

Delivery riders and other gig workers face real injury and equipment risk every shift, but most have no cover: monthly policies cost too much relative to irregular income, charge for hours they are not working, and claims take weeks.

What exists and what is new

Usage based and on-demand insurance exists offchain: pay per use and pay per mile pilots, per trip cover bundled by some ride and delivery platforms, and microinsurance sold through mobile money. We did not find per second microinsurance for gig shifts that the worker switches on and off herself, paid as a stream from her own USDC jar, with claim payouts settled onchain. The streaming premium and worker owned switch are new; the underlying insurance still needs a licensed underwriter.

The data it runs on

Policy terms (limit, add-ons, idle rule), premium stream start and stop times, jar balance, claim amount and payout, and a hash of claim evidence. Route, GPS, photos, invoices and medical details stay offchain with the worker and the claim reviewer.

1.The mission

Make protection as flexible as gig work itself, so a rider pays for exactly the hours she is on the road and gets paid the same night when something goes wrong.

2.Why people can't resist it

The ON switch Tapping on is a small ritual before every shift, and the ticking meter makes cover feel real.

Never pay for sleep Auto off when idle means riders see the money they did not spend.

Same night claims Small claims paid within hours become the story riders tell each other.

3.How it works for real

Wallets: Privy embedded wallets with phone login; local onramp partners or mobile money agents to top up a USDC jar.

Policy contract on Arc: A contract on Arc, where USDC pays the fees, holds the pool, the worker's policy terms and a premium stream that starts and stops on her signed tap on and tap off.

Lazy streaming: Premium owed is rate times covered seconds, settled when she taps off or tops up, so no transaction is needed per second.

Shift agent: On device rules combine motion and open order status to auto pause when idle. A small model (Claude Haiku class via OpenRouter) reads invoices and drafts claim summaries; it cannot approve payouts alone.

Claims: Evidence stays offchain; its hash goes onchain. Claims under a set amount auto pay after checks; larger ones need a human reviewer's signature.

Underwriting: The pool is backed by a licensed insurer or reinsurer partner who sets prices and limits. The app is the distribution and settlement layer.

Indexer and notifications: Convex indexes streams and claims for the Friday card; WhatsApp or SMS for claim updates.

4.Cost per use and pricing

Arc is young and fees can change; check before launch. Per shift: a tap on and a tap off settlement, expected to be cents or less in USDC. Claim review by a small model costs well under one cent per invoice; human review is the real cost, about $1 to $3 per claim over the threshold. Example: 1,000 riders, 25 shifts a month each, roughly $250 to $500 a month in gas and messaging before claims and underwriting.

Rider Premium only

Riders pay the per second premium; the owner earns a disclosed margin within it, agreed with the underwriter.

Fleet $2 per rider a month

Fleet owners and rider associations pay a seat fee for dashboards and to top up riders' jars.

Platform Custom

Delivery platforms embed Skim and fund part of the premium for their riders.

5.Growth loop

Riders wait together at the same restaurants. A same night payout, the share card and pothole reports that help other riders spread it at the pickup spot.

6.Risks and guardrails

Insurance regulation: Selling insurance requires a licensed insurer or agent in each country. Do not launch as an unlicensed pool; partner with an underwriter and follow local rules.

Fraud: Tapping on after an accident or staged claims. Require tap on before the event with motion data, invoice checks with clinics, and human review above a threshold.

Pool solvency: A cluster of claims can drain a pool. Reinsurance, limits per shift and conservative pricing are required.

Privacy: Location and medical data are sensitive. Keep them on device or with the reviewer, put only hashes onchain, and delete on schedule.

Stablecoin and chain risk: USDC issuer risk and a young chain. Keep pool reserves diversified and small at launch.

Coverage gaps: Riders may assume they are covered when the jar is empty. Warn loudly and auto pause cleanly.

7.Build order

Underwriter partnership and one product: injury cover with a fixed limit
Policy contract and premium stream on Arc testnet
Tap on and tap off app with jar top up
Idle auto pause from motion and order status
Claim flow with invoice upload, hash onchain and human review
Friday card and share card

8.Where this is going

Now
One rider in Lagos pays for cover only while she rides.
Next
Rider associations and fleets cover thousands of riders, with bike and phone add-ons.
Later
Other shift work: cleaners, drivers, market porters, each with cover shaped to the job.
The big one
Every gig worker in the world has protection that switches on with their work and pays out the same day.

Costs and tools are estimates at the time of writing. General information only, not legal or financial advice.

OWNER PLAYBOOK

Own it, then chart your voyage

Nine routes from one vessel. Tap a port to open its chart.

Why own Skim

Skim: Cover that switches on with you, priced and paid by the second while you work. Using someone else's version means their rules, their brand and their revenue. Owning Skim means it is deployed under your wallet, carries your name, and every customer, partner and result builds your track record instead of theirs.