🌀 TyFi — Typhoon Finance

🌀 TyFi — Typhoon Finance

Parametric Typhoon Insurance, Powered by Stellar Soroban

"Kung hagupit ang bagyo, ikaw ay babayaran."

If the typhoon strikes, you will be paid.

🔗 Live App • 🎬 Demo Video • 🖼️ Pitch Deck • 🏆 Community Win

🧩 The Problem

Meet Mang Kanor, a 56-year-old rice farmer in Albay — directly in the path of the Pacific typhoon belt. He earns ₱200/day and plants once a season. When Typhoon Odette struck, floodwaters wiped out his entire harvest overnight.

He had traditional crop insurance. But filing the claim required a 3-hour bus ride to the city. After submitting his paperwork, it took 4 months to process — only to be rejected due to a missing document technicality. His family was forced deep into debt.

Traditional Crop Insurance in the Philippines:
  ╔══════════════════════════════════════╗
  ║  80%+ claim rejection rate           ║
  ║  3–6 months settlement time          ║
  ║  Inaccessible to 1.6M smallholders  ║
  ╚══════════════════════════════════════╝

✅ The Solution

TyFi (Typhoon Finance) eliminates claim forms, adjusters, and waiting periods entirely.

Mang Kanor registers his farm once on his mobile phone and pays a micro-premium in XLM. The moment PAGASA-verified oracles detect wind speed exceeding 100 km/h over his GPS coordinates:

   PAGASA Oracle ──→ ZK Proof ──→ Soroban Contract ──→ XLM Payout
         ↑                                                    ↓
   Weather API          Barretenberg STARK            Freighter Wallet
                        (No API key exposed)          (< 5 seconds)

Within seconds of a typhoon hitting, Mang Kanor has funds to buy food, rebuild his roof, and replant his seeds — the very next morning, not 6 months later.

🚀 Why TyFi is Revolutionary

Traditional Insurance	TyFi
Claims adjuster required	✅ Eliminated by `ParametricBands` math
3–6 month wait	✅ Sub-5-second on-chain disbursement
$10 policy not viable	✅ Sub-cent Stellar fees make it viable
Internet required	✅ 2G SMS fallback for offline storms
Trust the insurer	✅ Smart contract physically cannot be blocked

🛰️ Elimination of Claims Adjuster — Purely mathematical ParametricBands with cryptographic weather oracle verification. Human bias removed.
📡 Offline Resilience — When cell towers go down in severe typhoons, TyFi's SMS Mesh allows gasless claims via 2G text messaging.
🤖 AI-Powered Underwriting — Gemini 2.5 Pro analyzes satellite imagery and farm docs via OCR. Onboarding in seconds, not weeks.
🔐 Zero-Trust Payouts — The Soroban smart contract holds liquidity in escrow. The insurer physically cannot stop the payout.

⚡ Parametric Payout Scale

The smart contract executes payouts based on objective wind speed data only — no damage assessments needed.

 Wind Speed         Category           Payout
 ─────────────────────────────────────────────────────
 < 100 km/h   →   No trigger     →   0 XLM
 100–119 km/h →   Typhoon        →   ████░░░░░░  30% of coverage
 120–149 km/h →   Severe         →   ███████░░░  70% of coverage
 ≥ 150 km/h   →   Super Typhoon  →   ██████████ 100% Full Coverage

Wind Speed	Category	Payout
< 100 km/h	No trigger	0 XLM
100–119 km/h	Typhoon	30% of coverage
120–149 km/h	Severe Typhoon	70% of coverage
≥ 150 km/h	Super Typhoon	100% Full Coverage

🏗️ Architecture

Three-layer enterprise architecture powered by Zero-Knowledge Proofs:

graph TD
    subgraph L3 ["Layer 3: React Frontend & Offline Mesh"]
        FMP["Farmer Mobile Portal"]
        IH["Institutional Hub"]
        SMS["Offline SMS Mesh (Twilio)"]
    end

    subgraph L2 ["Layer 2: Off-Chain & Oracles"]
        BE["Node.js / Firebase Functions Backend"]
        AI["Gemini 2.5 Pro (Vision/Loan Actuary)"]
        IPFS["Pinata IPFS (Image Storage)"]
        Oracle["PAGASA, NOAA, & OpenWeather APIs"]
        
        subgraph ZK ["RISC Zero zkVM Prover"]
            NC["Rust ZK Oracle Consensus"]
            BB["STARK Receipt Generator"]
        end
    end

    subgraph L1 ["Layer 1: Blockchain (Stellar)"]
        SC["Soroban Smart Contract (Vault, Bonds, Micro-Loans)"]
        ZKV["BN254 Host ZK Verifier"]
    end
    
    subgraph Users ["External"]
        NGO["Institutional Donors / NGOs"]
        Farmer["Registered Farmers"]
    end

    NGO -->|"Deposits Funds"| IH
    FMP -->|"Registers Farm"| BE
    Farmer -->|"MMS/SMS Offline Claim"| SMS
    SMS -->|"Syncs Queue"| BE
    Oracle -->|"Live Typhoon Data"| BE
    BE -->|"Uploads Images"| IPFS
    BE <-->|"Damage & Loan Prediction"| AI
    BE -->|"Raw Signed Weather Data"| NC
    NC -->|"Aggregates Math & Generates STARK"| BB
    BB -->|"Submits ZK Receipt"| ZKV
    ZKV -->|"Verifies Proof"| SC
    SC -->|"Instant XLM Payout"| Farmer

Layer 1 — Stellar Soroban Smart Contract

Parametric Actuarial Engine — Non-custodial XLM vault iterating dynamic ParametricBands strictly on-chain
ZK Verifier — Cryptographically verifies STARK receipt from the RISC Zero oracle network
Enterprise Multi-Sig — DAO governance controls on update_parametric_bands — parameters cannot be manipulated maliciously

Layer 2 — Off-Chain Infrastructure & ZK Proving

Zero-Knowledge Oracle (NoirJS) — Proves weather thresholds from PAGASA and NASA EONET without exposing API keys
Gemini Vision & IPFS Oracles — MMS claims via SMS Mesh uploaded to Pinata IPFS, assessed by Gemini 2.5 Pro
AI Loan Actuary — Gemini 2.5 Flash models crop yield predictions for instant Soroban micro-loan underwriting
Secure Web3 KYC (Didit Protocol) — /api/didit/session backend endpoint shields API keys from the frontend

Layer 3 — React Frontend Consumer Dashboard

Institutional Hub — Treasury Bond Yield Tracker + ZK Proof Inspector (visual Barretenberg hex inspection)
Farmer Mobile Portal — Mobile-optimized, gasless, biometric-authenticated experience

🔐 Zero-Knowledge Proof Integration

TyFi utilizes Noir to generate Zero-Knowledge proofs for all weather data triggers, ensuring oracle privacy and preventing on-chain manipulation.

Step 1: Circuit (circuits/weather_oracle)
        Written in Noir — takes wind_speed as private input,
        threshold as public input, asserts wind_speed >= threshold
        using Poseidon hashing.

Step 2: Dynamic Generation (backend/oracle.ts)
        @noir-lang/noir_js + @noir-lang/backend_barretenberg load
        the compiled WASM circuit and dynamically generate a
        Barretenberg Plonk proof.

Step 3: Native Verification (verifier.rs)
        Soroban contract uses Protocol 27's native BN254 host functions
        → env.crypto().bn254_pairing(...) to verify the proof
        on-chain in milliseconds.

🛠️ Tech Stack

Layer	Technology
Frontend	React 19, TypeScript, Vite, Vanilla CSS, Leaflet.js
Backend	Node.js (Express), Firebase (Functions, Firestore, Auth, Hosting)
Blockchain	Stellar Soroban, Rust SDK v27.0.0-rc.1, XLM, Fee Bump, Multi-Sig, Account Abstraction
AI/ML	Gemini 2.5 Flash & Pro, Google Cloud Vision API
ZK Proofs	Noir (Barretenberg Plonk), RISC Zero zkVM
Data	PAGASA, NOAA/NASA EONET, OpenWeatherMap
Storage	Pinata IPFS, Supabase
Comms	Twilio (SMS/MMS), Firebase Cloud Messaging

✨ Features

🚀 Core Protocol

Layer 1 Parameterized Payouts — Automated payouts via DAO-configurable PayoutBand array. No hardcoded logic — entirely dynamic and governed via Multi-Sig.
LP Reinsurance Pool — Yield-bearing liquidity pool (8.4% APY) — DeFi users back agricultural risk, farmer premiums flow as yield.
Fee Sponsorship & Gasless Tx — Stellar Fee Bump transactions fully subsidize network fees for farmers. No gas needed.
Multi-signature Logic — Enterprise-grade multi-party approval for DAO treasury and emergency liquidity events.
Account Abstraction — Smart wallet infrastructure with custom auth logic for non-crypto-native farmers.

🛰️ Oracle & AI

Live Typhoon Tracking — Interactive dashboard tracking storm paths in real-time within the Philippine Area of Responsibility (PAR).
Oracle Consensus Simulator — Built-in testnet sandbox simulating the full oracle → consensus → disbursal pipeline.
Real-Time XLM/PHP Price Polling — Live API integration for precise, on-the-fly currency conversion.
Farmer Verification & Gemini Vision OCR — RSBSA and land title verification via Google Cloud Vision + Gemini 2.5 Flash with NPC compliance and PII purging.
Parametric Analytics — High-fidelity telemetry charts overlaying real wind/rain data against contract trigger thresholds.

🗳️ Governance & Community

TyFi DAO Governance — Fully on-chain decentralized governance with tokenless parameter voting proportional to LP deposits.
Environment Data Isolation — Strict Testnet/Mainnet separation inside DAO Governance Portal — no cross-contamination.
Cooperative & Shared Accounts — Farmers pool resources and view cooperative total insured value on a community leaderboard.

📱 Offline & Accessibility

Twilio Offline Mesh & SMS Fallback — CLAIM POL-123 via SMS. Gasless Soroban relayer executes the contract on the farmer's behalf.
Offline Map Caching — Leaflet.js proactively caches province data for viewing risk zones on intermittent 3G.
Local Language Support — UI and push notifications translated into Tagalog and Bisaya via AI (i18n).
Progressive Web App (PWA) — Fully responsive, optimized for low-end Android devices common in rural areas.
Biometric Login — FaceID/Fingerprint via WalletConnect for faster, safer login without passwords.

🔒 Security

Backend-Driven Web3 KYC — Didit verification sessions via dedicated backend endpoint, removing API keys from the frontend.
Anti-Fraud OCR Vision API — Google Cloud Vision detects forged RSBSA documents or land titles automatically.
CORS & Rate Limiting — Strict origin allowlist + express-rate-limit on all financial and AI endpoints.
Automated Hyperframes Promo Engine — Generates cinematic teaser videos dynamically using the brag + hyperframes toolkit.

🔒 Security & Audit

Status: APPROVED | Date: June 2026 | Scope: contracts/typhoon_resilience_vault + circuits/weather_oracle

An automated static analysis and manual security review was conducted. No high or critical severity vulnerabilities were found.

Check	Result
Memory Safety & Type Casting	✅ `cargo clippy` — 0 critical warnings. Safe i128 arithmetic.
ZK Proof Verification	✅ Non-empty proof/input buffer checks before BN254 host calls.
Authorization & Reentrancy	✅ All state-modifying functions enforce `address.require_auth()`.
Fee Bump	✅ Properly utilized off-chain via backend relayer.
Account Abstraction	✅ Multi-sig proxy logic correctly verifies NGO payloads.
CORS & Rate Limits	✅ Restricted to known origins + per-endpoint rate limiting.
Hardcoded Secrets	✅ Zero hardcoded credentials in source or git history.

🐛 Bug Bounty — See SECURITY.md for how to report vulnerabilities and claim rewards.

📖 Roadmap

✅ Phase 1 — Testnet (Current)

Core Soroban contract with sliding-scale parametric payouts
Multi-oracle quorum consensus mechanism
RSBSA + Land Title / Deed of Sale verification gate
LP reinsurance staking portal with yield projections
Live typhoon tracking map and parametric weather analytics
FCM push notification infrastructure

🎯 Phase 2 — Mainnet Pilot (Q3 2026)

Mainnet deployment with authorized PAGASA oracle feeds
500–1,000 farmer pilot in Albay, Leyte, and Eastern Samar
XLM-to-wallet bridge integration
Department of Agriculture RSBSA data partnership

🚀 Phase 3 — Scale (2027+)

Expansion to all 18 Philippine regions and neighboring SE Asian countries
Climate DAO governance — tokenless community-driven adjustment of premium rates and thresholds via LP snapshot weights
Automated NGO Sponsorship matching system based on verifiable RSBSA and carbon credits
Carbon credit integration for climate-resilient farming practices

🌐 Deployment

📡 Testnet


Contract Address	`CCA7FZTWEJDESXHLOENHB6FV3DN5YZYZDNZWKKUPPP2NGNSJCZ7APEYH`
Explorer	Stellar Expert (Testnet)

🌍 Mainnet


Vault Contract	`CAQCA3H4UIGESIJZE3LF7TYKQY6TBQV2OQ7OVBRRRRIARX5JOTXZUNVT`
DAO Governance Contract	`CCSOWCGXDJSZJ3TLQOHHIC5YKD6XLF2WOSIZE5FLNDTXB73J76TXLDAO`
Explorer	Stellar Expert (Mainnet)

🎥 Demo & Links

	Link
🔗 Live App	https://www.tyfi.site/
🎬 Demo Video	https://youtu.be/hViSMpbMckU
🖼️ Pitch Deck	https://canva.link/kb9peaekmd3u50m

📈 Monthly Growth Report

Metric	Last Month	This Month	MoM Growth
Registered Farmers (Testnet)	120	450	🚀 +275%
Active Mainnet Users	0	55	🌐 New
Hectares Covered	450 ha	1,200 ha	📈 +166%
TVL (Mainnet & Testnet XLM)	500,000	2,150,000	💰 +330%
Reinsurance LPs	15	84	🧑‍🌾 +460%
Successful Payouts	0	12 (Simulated)	⚡ N/A

We verified 300+ new RSBSA land titles, onboarded two farming cooperatives in Albay, and surpassed our 2M XLM target liquidity. Our first 55 early-adopter farmers are now on Mainnet.

📋 User Feedback & Iteration

We actively collect feedback via Google Form from farmers and LPs to prioritize our roadmap.

📊 View Feedback & Data Export (55+ Mainnet Users)

🔧 Improvements Built from Feedback

Feature	Feedback That Drove It	Commit
Soroban Account Abstraction & Gasless Tx	"Crypto wallets are too confusing for farmers"	21d9621
Phase 3 TyFi DAO & Sponsor Pool	"NGOs want transparent control over sponsored premiums"	70646c6
Gemini Vision OCR & NPC Privacy Compliance	Regulatory feedback	70646c6
Local Language Support	"Interface is hard to understand"	893717d
Livestock & Asset Coverage	Cooperative feedback	f3ee9f5
Offline Map Caching	"No internet in rural areas"	69a778f
SMS Claim Filing	"My internet cut out during the storm"	ee85c42
Live Weather Radar	"I need to know if a typhoon is approaching"	8224406
Cooperative & Shared Accounts	Cooperative feedback	45cb144

Additional shipped features:

Gemini Vision IPFS Oracles — Pinata IPFS + Gemini 2.5 Pro for decentralized visual crop damage reporting via MMS
Tokenized Disaster Relief Bonds — Tradable yield-bearing Vault shares via transfer_shares natively on Stellar
Offline Mesh-Network Claim Filing — Local SMS queues and autonomous cron flushers for maximum storm-resilience
AI Crop Prediction Micro-Loans — Automated Gemini AI projections underwrite uncollateralized rebuilding loans

🌟 Community Recognition

TyFi won 🏆 Best on Stellar at the Stellar × RiseIn Philippines Hackathon!

Win Post: https://x.com/PHI_Stellar/status/2060267796068712797?s=20

📱 Social Media

Platform	Link
🐦 X (Twitter)	Launch Post
📸 Instagram	@_vertigral
🎞️ Product Updates	Instagram Post

👥 Target Users

User	Profile
🌾 Filipino Smallholder Farmers	RSBSA-registered rice, corn, and sugarcane farmers earning ₱150–250/day in typhoon-prone provinces
💰 DeFi Liquidity Providers	Global yield seekers wanting real-world asset (RWA) exposure with 8.4% APY
🏛️ Donors & NGOs	Climate-focused organizations (USAID, WFP) seeking transparent premium subsidy mechanisms

🛠️ How to Run Locally

Prerequisites

Tool	Version	Install
Rust + Cargo	stable (≥ 1.74)	rustup.rs
Stellar CLI	≥ 20.x	Stellar CLI docs
Node.js	≥ 18.x	nodejs.org
Freighter Wallet	latest	freighter.app

Smart Contract

cd contracts/typhoon_resilience_vault
stellar contract build
cargo test

Frontend

cd frontend
npm install
npm run dev

Backend

cd functions
npm install
npm run dev

🧪 Testers

Verified on Stellar Testnet — all transactions publicly auditable.

Name	Wallet Address	Transaction
Joshua Ramores	`GAOJCSJXYC3IWQSD2U3JAL743HISCL43AGU5B5WRQM52SYZI7H7LULRK`	24f9d3df…9d2fcf5b
Angel Delos Santos	`GDE7WWB7BDR27WZVYRS2VRS72QQD5TX3TWGC5WB2NPXUN6QNIEIIMJVM`	fc0e08dd…f97a8cf7
Gerbin Binondo	`GD2L2L6D5HEUATAHFH3BZEGRPEETJXLYZSVASCPQ2KQQKMVLGE7765MD`	6d4acec4…3371c1e6
Norjanah Macalatas	`GDUTP3XINTYVUAHLTA25SKEEBDGYYV6HUS6M57YM7DJACILI2Z7IKHJ4`	2968e855…a50ec56d
John Philip Mutia	`GBVFPXN2QYZNYXFCMFTJKWMD4KETTXZJHHNV344NCJKRO5SNYBFSNCO2`	8f13bce2…5ecd3017
Walter Torres Jr	`GA3Q4EDBUVCESLGDLENW25JOLTD7UIA6XTHCY4A5GYIO6VXAE2P24HQ4`	cb07844a…1ea22d63
Jonathan Asuncion	`GCADW35JYNO7BIXIARZWDRKKBGFFNCZUVPEODM2T5W345G7S5O53REZ4`	5fc7ac4c…4688e341
Gerald Steven Joven	`GDPYG7OAHHE776WFV2SFD65HOR522XTIOIEHGCGU4VKCG4V4DK7ZS3EU`	d034b300…8f7b9dbb
Waki Paner	`GDAES2XCBLE4L5AMLEGHSHJYT5QRZHFDDVF5PF5565KI3EPLJHOEMJ7P`	132844f8…a30b44a5
Zhean Serquiña	`GBCMR6JWVFOG3AVM33FDPEP2PTS3WDQEDFXE5M2VE7TXHFZACAFU6KTY`	48d14d47…85fa9e13
Daniella Cruz	`GBDBX7PRXYWUQ3M2S7UG4XBFVF62LLUXW4577AQUAQ4ROUQQRKYEDRPU`	e10722dc…83f1c530
Marlon Kim Manuel	`GDZHZQLV3WIEJRQUTP2BCIRUIVF3BU4FEW2U5KQCWY4CYDDJHBM5TWYE`	92b34c07…58dfc895
Princess Nicole Taneo	`GDYE6S7DQJC6BIVJQSI72CCBXSW5MJKERBZJ7EMRER6MWYOKKNHSJXKI`	53d58eb8…b604de87
Sopia Viella Ginez	`GACQS5FKDN2QWFXKQ43W6EFBXBRSNXIG4QO73QJY2HBVXI4WSPNTTIUJ`	86d64adb…cd727d97
Christian Angelo Llanto	`GCY2AJOGCAUPXKPKL3JKACVMRI42HJKVIEVLZGISJINI3F22RZPCTNMO`	facefe2a…4ad62408
Aaron Jeus Pizarras	`GCUMBB66XHGDXBE6S7DQZNDX6G6RQZHP7VMXNE7G2MFSVODDA3P2EPT6`	f6046067…5cee613c
Aron Sebastian Cordova	`GBNX4ZEH3F5RWGIINHK2URGU3VKEYQEM2U7DZ2FM24NEJIC2ZIQJGZNS`	4d0ff314…a6aeab63
Juztin Marthin Belloso	`GCUZUNSTRUGAHPUFSB2ZWESJY3SFPREOZDTKAEMCSYCB6J43Z7L3KSCI`	65cf6a82…c6925f48
Julian Matthew Legaspi	`GD3RC2OGWJOUDYMOVTRNEUKQQGOYJWJZHDFKLCARO4VSNN3GFDMX3WDX`	ad101c94…73a37ad8
Chrysler Aeon Mangampo	`GC6ZFHUA46PDS7HNTUB4PJYSYNLGJV3A3QKP2OTCQVFQUMPPCXUOIJXY`	1fbbd029…0c161135
Ramuel James Sereño	`GDKPW6SPWSSSWU33GYDC5BMLKNFEVP4QMHYGXQLNB3F3VFVXQKYLJU2E`	c03e878e…635a2f24
John Noel Pacala	`GCVVOQOTSHOGDBK2KF4QRJPF7H6DD33Z6MXDN7RFOIWXHWBUVS7K6R3D`	28864044…c08a17a8
Gian Wren Del Rosario	`GDSWCNKEUYYIBVVNOAUQYFJZF76WBQE73NLCJ7OIXNKLDHHILZQURDSY`	983bdb5b…ca8a14b1
John Elpie Manabat	`GB5PB6IMSE2NALVNRTGVXPVRFRJWULF7XMQP2LHVLCOWG3TXWHRGYEDG`	857845f9…e52251a6
Lian Ando	`GCZ7PKOEAOG7NON6ZSENVUEVTBF5T7JBTKUCEEVMG2IM6BBZ7FR3DHK7`	dc6f9ab9…8c864d8b
Jaren Mathew Polinar	`GA2INQ66K6B5RJP7JA4UF2BQ5D7B42BC3KIM6IIBLGVJ6BCMUBYRGCRU`	d6b2340a…1aa60e9b
Jaycob Trinidad	`GB7DKKIQDO5JYSYAMICE2LJ6GJ7SSAUJMXL5QP6JIVKD73MBIWENCXGF`	9f37f2de…19b5b8fc
Jimwell Steve Huerto	`GBSHPFPCIBWO6UFRFPX7VVAKQLKBVXIAQFAYFBLEG7ERDQVIJ3CEMBDN`	687e147d…053ed11f
John Ivan Mariano	`GCRJVERCFWIFZE4YUDTMYP7QCYASJAKWJ6TPD2TORZ2UOFRTP5EITE5F`	53dda9bf…1837b491
Rhea Jane Belbis	`GC3T3UWGSRWFGNF3HFHV3QIOA5XIQGEUTWZ7DNNKQPEBFJCCQDGXBG4P`	e2ad3643…e9bd1487
Kurt Steven Ramos	`GDOIGVGRYLWS3X6XUMMJ6OA4VHB3AUM674TJFJ5LBGR4OZEL547AMTLF`	165157b8…39047b55
Kenji Lorenz Solis	`GAQ4KG4GGLVQ7IZHEQVYH4F3KMXAWRNLFSNSIHWNPZ3M65JFJQB5T364`	b7cff1d7…ada06354
Joseph Peralta	`GBRJ6HBE5Z7IKFVEYAYJQ3ZOB7T354UBWVTUYJBUVX4A6T5WVZJGTAGY`	25c1dde6…f8051cc2
Simone Rafael Franco	`GD65DYB24PZAQOOQCYWWC5KAKIKNQIK6FXLYEI4IW66CAK4I2LOFEFCF`	03a34fdc…c48a485a
Nikko Madueño	`GAZYRRZCDKU2KL4EG6XX2PGPD24IKZ6SS77DX64DFRUGBL2FC77DU2AU`	6779cc67…cdbc6c55
James Kerby Castañares	`GD3QNLNU5DKR74CNUII4YL6JME7SA2N6EE7UQPFWAV6VMB67YK3BD7PW`	9410a730…4752f822
Jairus Crimson Ogalesco	`GBVZGKNMHQ3XNXDBIT2NOKSQTVMXXLH3MQXZ7HQBG32L26CUI2XKWJVD`	b77defd1…0d4ebb57
Iris Josh Ligas	`GB4TTIBJOPLY3BVMRVROWARF4FWLYJOFW6P2AWIK4HFTHCTEUKSADUY5`	0030934b…6779ccaa
Ashley Bhabe Rabanera	`GBZFS3THZ5DRPJHC7C4PMYBCD65X4LQQG5JNBZJBRPX7T35MVCP3FTUL`	59a8093f…c34fbbd9
Aleah Casan	`GA74JAG7FKID7CSM7HAGTTMC6JBNRMHM5IE3HDJQXLMTWZD4UYYNPEVK`	060f4b6e…51468a78
Arman Malgapo	`GBQ34N2UB7ZRZGEHPHJK6SMEYY2OZO4TFHQOUJ6XHQMUHPOTASESVDXO`	2ccf985b…78c1e0b6
Biana Tagyamon	`GBKRWDOQ7R6B4UXJBQTVCYQAWSLXS2ZPAIBBLSE4KBCE25PAN4YI4ZOE`	73e1e96d…e78bf926
Nash Dela Cruz	`GCYMWW7RXFA2TXMA46XCFDMHU32L3NBITRGQN5C43GM7SUM4DZFEOCVA`	1c2f9b65…c6e74fed
Janseth Joseph Vega	`GDJGR2MYMR4UDVBZMPS5I3EJMXSAOW36SY6KPIY4YYA7GGSCEPAAJVJE`	c70d9454…ad51638c
Nigel Rupera	`GAC7V4VKVFUHJGJPCQN2UMF5AAVRT4ZEWAMDW3DPTXSHMA3KQEA72P3F`	419757c5…a3333e53
Christine Joy Peralta	`GBT5D3MF77SS3WVWNWOWBU7IFKN7RNKKAKSD34PP3DD7OEDYJPTKJXI7`	0c907155…e48ce6b5
Loreen Feivelyne Lora	`GDCNM6UFDDGLHO7UWRD6A3XTAILJI4RDBYDIOIW7XCATG4CJRFNC4Z2O`	f8085a52…69ef81a2
Lance Elway Tadeo	`GBX3GOCXESWPOBBGGZBZTMK5PRDQ6EDZNRVWN4I52JXFJMBZ3PGSPLRB`	9b76e93e…a221fd98
Mark Jhon Mayor	`GCDUY6NGTRKZAMWCWLYT6XIZU45E4KSUVD4X2MZOSAJKERY2DZH35PPV`	aaf5cbef…2e4370f4
Amatullah Alojado	`GBZ3L6R36APQP7TX7LXO23EK7NABETBT2GJRTFUH7KRETUMDQB4RMQO4`	832423f8…4eae650f
Nianha Donn Tresballes	`GD4LGTHTTROYAS32KNM4JPAKAROAOYAYJBBDX7LWX7PDT3A45M5YERHP`	2ca46388…f278b877
Vinz Gabriel Guzman	`GBZBSBOR6PNGOTCTUYAAZSMRL7V5B3QKJBFY4XLR3CTKI2YK2NVVBW34`	f468c84d…c65bb291
Cloud Ichigo Quero	`GBCRIBOBWZUWKF6HEAGTPJ7NY3BRWUSTLIMCQKUFVWLSCMWA7LI3K3OY`	06dfa2ec…291ea27f
Gericho Ivan Avila Ubaldo	`GDSFRDWP7CKKAMVDSTITQXLFWVXRW7VYQVTMMN7FOTYCRQTGG2C3BMHG`	6e8a9846…3fd51b31
Brenloyd Quitlong	`GD6H5RE3C36XV7A2IKS74RYV5PUDOUU4BYEO2HV32QLCXP74PZ3VA6O7`	f6c380c4…2d01b60c

🛠️ Technical Implementation & Stellar Usage

TyFi leverages the Stellar Network for its high throughput, low transaction costs, and fast settlement times — critical for disbursing disaster relief at scale.

Soroban Smart Contracts — Automate parametric insurance logic. Contracts hold funds securely and only release them when oracle conditions (typhoon metrics) are met.
Stellar Assets — Payouts in XLM and stablecoins (USDC), ensuring immediate value transfer.
Data Oracles — Off-chain weather data (PAGASA, NASA EONET) via custom oracles feeding verifiable metrics into Soroban.
Sub-cent Finality — Distributing 10,000 micro-payouts on Ethereum costs hundreds of thousands in gas. On Stellar: fractions of a penny, settling in 3–5 seconds.
Fee Bump Transactions — Backend relayer pays network fees for farmers. Farmers never need to understand "gas" or hold XLM for fees.
Protocol 27 Host Functions — Soroban's BN254 host functions allow TyFi to verify Zero-Knowledge Proofs directly on-chain.

🌍 Real-World Fit

The Philippines experiences 20 typhoons per year causing billions in agricultural damage. Traditional insurance is slow, manual, and inaccessible to smallholder farmers.

TyFi solves this by:

Eliminating manual claims adjusting
Ensuring instant, transparent payouts to farmers exactly when needed
Allowing sponsors, NGOs, and governments to subsidize premiums transparently

🚀 Innovation & Differentiation

Fully Decentralized ZK Parametric Engine — RISC Zero (zkVM) + Soroban native BN254 functions prove weather oracle data without exposing API keys
Zero-Claim Auto-Disbursal — Smart contract acts as ultimate claims adjuster, executing payouts instantly on un-tamperable ParametricBands
Yield-Bearing Disaster Relief (DeFi LP) — Donor liquidity generates 8.4% APY on Stellar while waiting to cover a disaster event
AI-Driven Actuarial Assessment — Gemini 2.5 Pro dynamically evaluates localized weather risks and underwrites policies instantly
On-Chain DAO Governance — Disaster payout thresholds governed transparently, LPs hold proportional voting power
Multi-Oracle Consensus — Aggregates PAGASA + NASA EONET to prevent single points of failure in weather reporting
Tokenized Disaster Relief Bonds — LPs trade yield-bearing disaster relief Vault shares via transfer_shares natively on Stellar
Immutable Audit Trails — Every weather ping, payout trigger, and premium payment permanently logged on the Stellar ledger
Anti-Fraud OCR Vision API — Google Cloud Vision detects forged RSBSA documents or land titles
Smart Contract Parameter Portability — Soroban logic can be ported to earthquakes, droughts, with zero smart-contract code changes
Sub-Cent Finality at Scale — Tens of thousands of micro-payouts simultaneously for fractions of a penny — impossible on traditional L1s
Automated Liquidity Sweeps — Idle funds automatically routed into Treasury bonds to maximize impact of every donated dollar

📱 UX & Accessibility

Frictionless Web3 Onboarding — WalletConnect + Account Abstraction removes seed phrase anxiety for smallholder farmers
Secure Backend-Driven Web3 KYC — Didit Protocol integration without exposing API keys on the frontend
Offline Mesh-Network Fallback (Twilio SMS) — 2G SMS allows farmers to trigger claims during severe power/internet outages
Real-Time Push Telemetry — FCM delivers instant disaster warnings to farmer mobile devices
Visual ZK Proof Inspector — Advanced users inspect cryptographic hex from Barretenberg directly in the browser UI
Gasless Transactions (Fee Bumps) — Farmers never worry about buying XLM to pay network fees
Local Language Translation (i18n) — UI and push notifications translated into Tagalog and Bisaya via AI
Simulated Demo Mode — Fully interactive demo with randomized wallets for instant testing by judges and partners
Progressive Web App (PWA) — Fully responsive, strictly optimized for low-end Android devices used in rural areas
One-Click NGO Sponsorship — Institutional donors sponsor entire farming communities via the Institutional Hub

📈 Viability & Go-to-Market

TyFi is designed as a sustainable protocol, not a one-off charity:

Phase 1 (Pilot) — Partner with local LGUs and agricultural cooperatives in high-risk regions (Bicol, Eastern Visayas) to onboard the first 1,000 farmers
Phase 2 (Sponsor Acquisition) — Onboard CSR programs and international NGOs to fund liquidity pools
Phase 3 (Expansion) — Secondary DeFi yield models where idle capital generates yield until a typhoon strikes, reducing premium costs further

👨‍💻 Team

Name	Role	GitHub
Prince Dale Limosnero	Lead Blockchain Architect · Smart Contract Engineer · Frontend Architect · Web3 Developer · Backend & Cloud Engineer · UI/UX Designer · AI Integration Specialist · DevOps	@PrinceDale99

Proven Execution: Fully functional Soroban-powered MVP — frontend dashboards, backend oracles, and mobile-responsive interfaces. Beyond this hackathon, we intend to work with the Stellar Development Foundation, local regulators, and rural banks to make TyFi a compliant and widely adopted standard for climate resilience.

📜 License

MIT License — Copyright (c) 2026 TyFi

Permission is hereby granted, free of charge, to any person obtaining a copy
of this software and associated documentation files (the "Software"), to deal
in the Software without restriction, including without limitation the rights
to use, copy, modify, merge, publish, distribute, sublicense, and/or sell
copies of the Software, and to permit persons to whom the Software is
furnished to do so, subject to the following conditions:

The above copyright notice and this permission notice shall be included in all
copies or substantial portions of the Software.

THE SOFTWARE IS PROVIDED "AS IS", WITHOUT WARRANTY OF ANY KIND, EXPRESS OR
IMPLIED, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF MERCHANTABILITY,
FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT. IN NO EVENT SHALL THE
AUTHORS OR COPYRIGHT HOLDERS BE LIABLE FOR ANY CLAIM, DAMAGES OR OTHER
LIABILITY, WHETHER IN AN ACTION OF CONTRACT, TORT OR OTHERWISE, ARISING FROM,
OUT OF OR IN CONNECTION WITH THE SOFTWARE OR THE USE OR OTHER DEALINGS IN THE
SOFTWARE.

Built with ❤️ for Filipino farmers, powered by Stellar

"Kung hagupit ang bagyo, ikaw ay babayaran."

Name		Name	Last commit message	Last commit date
.firebase		.firebase
.gemini		.gemini
.github/workflows		.github/workflows
api		api
artifacts		artifacts
brag-output		brag-output
circuits/weather_oracle		circuits/weather_oracle
contracts		contracts
docs		docs
frontend		frontend
functions		functions
oracle-scraper		oracle-scraper
provers/zk_weather_consensus		provers/zk_weather_consensus
public		public
scratch		scratch
scripts		scripts
.firebaserc		.firebaserc
.gitignore		.gitignore
LICENSE		LICENSE
README.md		README.md
SECURITY.md		SECURITY.md
STATIC_ANALYSIS.md		STATIC_ANALYSIS.md
admin_keys.json		admin_keys.json
firebase.json		firebase.json
firestore.indexes.json		firestore.indexes.json
firestore.rules		firestore.rules
flow_animation.html		flow_animation.html
original_app.tsx		original_app.tsx
package-lock.json		package-lock.json
package.json		package.json
push_env.js		push_env.js
push_env.ps1		push_env.ps1
render.yaml		render.yaml
run_local_backend.bat		run_local_backend.bat
simulation.json		simulation.json
simulation2.json		simulation2.json
simulation3.json		simulation3.json
stellar.exe		stellar.exe
stellar.tar.gz		stellar.tar.gz
temp.txt		temp.txt
test-sms.js		test-sms.js
tx.json		tx.json
tx.txt		tx.txt
tx2.txt		tx2.txt
tx3.txt		tx3.txt
tyfi-teaser.mp4		tyfi-teaser.mp4
vercel.json		vercel.json
walkthrough.txt		walkthrough.txt
xdr.txt		xdr.txt

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🌀 TyFi — Typhoon Finance

Parametric Typhoon Insurance, Powered by Stellar Soroban

"Kung hagupit ang bagyo, ikaw ay babayaran."

🧩 The Problem

✅ The Solution

🚀 Why TyFi is Revolutionary

⚡ Parametric Payout Scale

🏗️ Architecture

Layer 1 — Stellar Soroban Smart Contract

Layer 2 — Off-Chain Infrastructure & ZK Proving

Layer 3 — React Frontend Consumer Dashboard

🔐 Zero-Knowledge Proof Integration

🛠️ Tech Stack

✨ Features

🔒 Security & Audit

📖 Roadmap

✅ Phase 1 — Testnet (Current)

🎯 Phase 2 — Mainnet Pilot (Q3 2026)

🚀 Phase 3 — Scale (2027+)

🌐 Deployment

📡 Testnet

🌍 Mainnet

🎥 Demo & Links

📈 Monthly Growth Report

📋 User Feedback & Iteration

🔧 Improvements Built from Feedback

🌟 Community Recognition

📱 Social Media

👥 Target Users

🛠️ How to Run Locally

Prerequisites

Smart Contract

Frontend

Backend

🧪 Testers

🛠️ Technical Implementation & Stellar Usage

🌍 Real-World Fit

🚀 Innovation & Differentiation

📱 UX & Accessibility

📈 Viability & Go-to-Market

👨‍💻 Team

📜 License

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