Picture this

Who it is for

Amara's bike is stolen. She files and the money lands in half a second. Then the checks run. If one fails, the money is taken back and her deposit is kept; honest claimants pay less to be believed next time.

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

Pay first, verify after insurance with enforced clawback was not found.

Closest things out there

Nexus Mutual; Etherisc.

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 Upfront app: member cover that pays the claim the second it is filed and runs the checks after, with a paywall, owner console and check agent 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: money first, checks after, a deposit that is never spent.

Cover status and next actionHome

Cover, premium and locked deposit with one clear next step.

Choose cover and depositCover

Pick cover and deposit size, see the premium, join through USDC checkout.

Phone cover and deposit ladderCover

Work phone cover and a deposit that falls each clean year. Gated behind Rider Plus.

Pay first claimsClaim

File and the cover lands in half a second; try an honest claim, a sold bike and a slow police number.

Checks after the moneyChecks

Police number, serial watch, bike tag and photo, with waiting never treated as failing.

Receipts, onchain and offchainWallet

Premiums, payouts and deposit locks, with what is and is never on chain.

Plans and settingsMe

Pricing from the owner paywall, USDC checkout, SMS alerts, 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

MRR, pool fee, incoming USDC, accepted methods, live tier and gate editing.

Human review queueReview

Keep or release a deposit after a contradiction; delays can never be kept.

Pool rulesRules

Check window, grace for slow offices, owner fee, human review, serial photo reading, gas.

Check agent log and roadmapAgent

What the checks got wrong and how they adapted, running costs, plus the priced Roadmap screen.

Top-up

Growth and referrals

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

Stage meetups and referralsGrowth

Run a riders' stage meetup, add associations as fleets, track referrals.

The money path, built in

How it earns for you

Members pay a monthly premium into the pool; the owner takes a small set fee on premiums. Rider Plus adds items and a falling deposit, and courier companies pay fleet plans.

RiderPremium only, about $10 a monthBike cover paid in half a second, four checks, a deposit that is never spent

Rider Plus$4 a month on topWork phone covered, clean year deposit ladder, 24 hour check window

Fleet$49 a month per companyCover every courier in a company, one bill, fleet dashboard

Owner fee of 0 to 20% of premiums, set in Rules. Payouts and deposit locks on Arc cost well under a cent each.

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

Growth loops, built in

How it spreads

Riders' group chats: one payout in a second is the story everyone shares
Stage meetups where riders tag bikes and join on the spot
Courier associations and companies joining as fleets
Share card after a payout
Rider to rider referrals worth a month of Plus

Roadmap · build the next phase with us

Where it goes next

v1 included

The full upfront cover app

Pay first, check after, on Arc
Four automatic checks with grace
Deposits that are never spent
Receipts and clawback with review
Paywall, owner console, check agent

Included

Fleet desk and phone cover

Courier company accounts
Phone and helmet cover
M-Pesa premiums
Police station partner feed

Add-on from $600

Mutual pools for any trade

Tools cover for artisans
Stock cover for market stalls
Member votes on pool rules
Reinsurance link for big losses

Add-on from $1,400

For investors and grant reviewers

The pitch, ready

Insurance that pays the claim the second you file it, then runs the checks.

Problem: For a courier, a stolen bike means no income until a claim is paid weeks later, and honest claimants are often treated like suspects because an office is slow.

Solution: A member pool on Arc that pays the cover instantly, locks a small deposit, and runs automated checks afterwards. Only a contradiction plus human review can keep the deposit; delays never can.

Why now: Sub second USDC settlement on Arc and cheap marketplace and vision checks make pay first, check after affordable for small premiums.

Market: Couriers, boda riders and gig workers whose tools are their income, plus the companies and associations they ride for.

The ask: Pilot partners: one courier company and one riders' association in Nairobi, plus Arc and Circle developer programs.

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

For hackathons and demo days

Your 2 minute demo

Home: meet Amara, 29, whose bike is stolen at 7:52 in the rain.
Cover: pick $650 cover and a 20% deposit, join through checkout.
Claim: file and watch $650 land in half a second.
Checks: four checks pass after the money; then try Kevin and Zawadi.
Owner Review: keep Kevin's deposit, see why Zawadi's cannot be kept.
Owner Agent: the missing OB number mistake and the grace fix.
Owner Revenue: change the Plus price and preview the Plans sheet.
Owner Growth and Roadmap: run a stage meetup, then request the fleet desk.

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

Make it entirely yours

Custom work from $2,500: your own item types and checks, a mobile money premium partner, a police or registry feed, or a fleet branded deployment. Scoped on a call.

Custom from $2,500

BLUEPRINT

Why it matters and how it really works

The need

For people whose income depends on one tool, like a courier's bike, the weeks between a loss and a claim payout are the real damage. Traditional insurance verifies first and pays weeks later.

What exists and what is new

Onchain cover exists: Nexus Mutual pools member capital and votes on claims, and Etherisc runs parametric products such as crop and flight cover that pay automatically on a trigger. We did not find cover that pays an ordinary, non parametric claim immediately and verifies afterwards, with a claim deposit that is kept and a recorded debt if a check fails, and deposits that shrink with a clean history. That pay first, verify after design is the new part; the clawback is limited to the deposit plus future premiums, which is an honest limit, not a guarantee.

The data it runs on

Member records, cover amounts and deposit levels, payouts, hashed check results and clawback records on Arc. Police reports, photos, tag location trails and identity stay encrypted offchain with the pool.

1.The mission

Make honest people whole the moment something goes wrong, and make dishonesty the costly path instead of honesty.

2.Why people can't resist it

Money in half a second The payout lands before the rider has finished calling dispatch.

Cheaper to be believed Every clean year lowers the deposit, a number members watch go down.

Waiting is not failing Slow offices never cost an honest member their deposit.

3.How it works for real

Wallets: Privy embedded wallets with passkeys; members pay premiums and deposits in USDC.

Pool contract on Arc: A pool contract holds premiums and deposits, pays claims instantly up to cover, locks the claimant's deposit for the check window and records clawback debts.

Checks service: After payout, a worker runs checks: police reference verification, serial search across marketplace listings, bike tag location history and photo metadata. Results are written as hashes with pass, fail or waiting.

Vision model: A small vision capable model (for example Claude Haiku tier) reads serial numbers from listing photos; costs are a fraction of a cent per image.

Human review: Any failed check goes to a named reviewer from the pool before a deposit is kept; members can appeal with new evidence.

Attestations: Clean claim history is recorded as an attestation (EAS style) the member can carry to another pool.

Notifications: Push or SMS for payout, check results and the Sunday score.

4.Cost per use and pricing

One payout and one deposit lock on Arc cost well under one cent in USDC gas (check current fees). Checks per claim: marketplace search and a few vision calls, about $0.02 to $0.05. Example month for a 1,400 rider pool with 150 claims: under $10 in gas and model costs, plus about $60 for hosting and SMS.

Rider Premium set by the pool

Cover, instant payout and the Sunday score.

Pool operator $149 a month

Run a pool for a riders' association or SACCO: terms, reviewer queue, reserve dashboard.

Checks API $0.10 per claim

Other insurers can use the after payout checks with their own payouts.

5.Growth loop

Riders talk. One stolen bike paid in a second is the story shared in every riders' group, and associations bring whole fleets.

6.Risks and guardrails

Insurance law: Selling insurance is regulated almost everywhere, including Kenya. Pools must operate through a licensed insurer, a mutual or a regulatory sandbox; the app is software.

Clawback limits: Beyond the deposit, recovery depends on the member paying premiums again. Fraud that walks away costs the pool; pricing must include it.

Wrongful failure: A bad check can punish an honest member. Human review, appeals and the waiting state exist for this.

Privacy: Police reports and location trails are sensitive. They stay encrypted offchain, only hashes and outcomes go onchain.

Pool solvency: A theft wave can drain reserves. The reserve is published weekly and payouts pause, visibly, below a floor.

7.Build order

Pool contract on Arc testnet with instant payout and deposit lock
Member onboarding with bike serial, tag and photos
Two checks first: marketplace serial search and photo metadata
Reviewer queue and appeal flow
Clawback record and premium first repayment
Sunday score and deposit step down
Pilot with one riders' association under a licensed partner

8.Where this is going

Now
Bike theft cover for one city's couriers, paid in half a second.
Next
Phones, tools and sewing machines: any small asset someone earns with.
Later
Clean history attestations let honest people carry cheaper cover between pools and countries.
The change
Insurance that trusts first, so a loss never costs someone their week of income.

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 Upfront

Upfront: Insurance that pays the claim the second you file it, then runs the checks. Using someone else's version means their rules, their brand and their revenue. Owning Upfront means it is deployed under your wallet, carries your name, and every customer, partner and result builds your track record instead of theirs.