Insurance

Oracle layers: 1.0 + 2.0 + 3.0 + 4.0 | Status: In Development

Insurance exercises every layer of the stack, from simple parametric triggers to complex claim adjudication:

Insurance Type	Oracle Layer	How Cournot Resolves It
Parametric (simple)	1.0 + 2.0	For example, earthquake magnitude > 6.0, rainfall below threshold — structured data triggers from authoritative sources, with semantic aggregation for multi-station composites
Parametric (complex)	2.0 + 3.0	"Average wind speed across 5 stations exceeded 120 km/h for 30+ minutes during the policy window" — semantic computation over time-series data, with PoR for condition interpretation
Claim Verification	3.0	"Did the supply chain disruption meet the force majeure threshold?" — requires reading policy language against real-world evidence, collecting and verifying documentation
Event-Driven Settlement	4.0	Agent monitors weather stations, shipping logs, or IoT sensors in real-time — triggers payout the moment the insured event occurs, with full evidence chain for audit

The progression from Oracle 1.0 to 4.0 mirrors the insurance industry's own ambition: from manual claims processing, to parametric automation, to fully event-driven settlement.