Peer-to-peer insurance protocol powered by AI, blockchain, and advanced fintech technologies

MutualChain revolutionizes insurance by making it accessible, transparent, and affordable for small businesses and gig workers. We leverage cutting-edge AI models, blockchain technology, and zero-knowledge proofs to create a peer-to-peer insurance protocol that eliminates intermediaries and reduces costs by up to 40%.

• AI-Powered Risk Assessment: XGBoost, Transformers, and Federated Learning for 98.5% accuracy
• Smart Contract Automation: Fully automated claims processing with Chainlink oracles
• Zero-Knowledge Privacy: zkSNARKs/zkSTARKs for private claim verification
• Layer 2 Scaling: Fast, low-cost transactions on Arbitrum, Optimism, and Base
• Decentralized Storage: IPFS and Arweave for policy documents
• Real-time Analytics: The Graph subgraphs and time-series databases

• Next.js 14 - React framework with App Router
• TypeScript - Type-safe development
• Tailwind CSS - Utility-first styling
• Wagmi/Viem - Ethereum interactions
• RainbowKit - Wallet connection
• Framer Motion - Smooth animations
• Recharts - Data visualization

• Solidity 0.8.20 - Smart contracts
• Hardhat - Development environment
• Chainlink Oracles - Real-world data feeds
• zkSNARKs/zkSTARKs - Zero-knowledge proofs
• ERC-4337 - Account abstraction
• Layer 2: Arbitrum, Optimism, Base

• XGBoost - Risk prediction models
• TensorFlow/PyTorch - Deep learning
• Transformers - NLP for claims analysis
• Federated Learning - Privacy-preserving ML
• GANs - Fraud detection
• AutoML - Model optimization

• Python/Flask - AI backend API
• Docker - Containerization
• The Graph - Blockchain indexing
• IPFS - Decentralized storage

• Node.js 18+ and npm
• Python 3.9+
• MetaMask or compatible Web3 wallet
• Docker Desktop (optional, recommended)

The fastest way to get started:

# Clone the repository
git clone https://github.com/yourusername/mutualchain.git
cd mutualchain

# Copy environment file
cp .env.example .env
# Edit .env with your API keys

# Build and start all services
docker-compose up --build

# Access the app at http://localhost:3000

See DOCKER.md for detailed Docker deployment instructions.

# Clone the repository
git clone https://github.com/yourusername/mutualchain.git
cd mutualchain

# Install frontend dependencies
npm install --legacy-peer-deps

# Install blockchain dependencies
cd blockchain
npm install
cd ..

# Install AI backend dependencies
cd ai-backend
pip install -r requirements.txt
cd ..

Create a .env.local file in the root directory:

NEXT_PUBLIC_WALLET_CONNECT_ID=your_wallet_connect_project_id
NEXT_PUBLIC_ALCHEMY_KEY=your_alchemy_api_key
NEXT_PUBLIC_CHAIN_ID=42161
NEXT_PUBLIC_AI_API_URL=http://localhost:5000

# Terminal 1: Start the Next.js frontend
npm run dev

# Terminal 2: Start the AI backend
cd ai-backend
python app.py

# Terminal 3: Start local Hardhat node (optional)
cd blockchain
npx hardhat node

Visit http://localhost:3000 to see the application.

cd blockchain

# Compile contracts
npx hardhat compile

# Deploy to Arbitrum
npx hardhat run scripts/deploy.js --network arbitrum

# Verify on Arbiscan
npx hardhat verify --network arbitrum DEPLOYED_CONTRACT_ADDRESS

mutualchain/
├── app/                      # Next.js 14 app directory
│   ├── dashboard/           # Dashboard page
│   ├── claims/              # Claims filing page
│   ├── risk-calculator/     # Risk assessment tool
│   ├── analytics/           # Protocol analytics
│   └── about/               # About page
├── components/              # React components
│   ├── Navbar.tsx
│   ├── Footer.tsx
│   ├── Hero.tsx
│   └── ...
├── blockchain/              # Smart contracts
│   ├── contracts/
│   │   └── MutualChainInsurance.sol
│   ├── scripts/
│   │   └── deploy.js
│   └── hardhat.config.js
├── ai-backend/              # Python AI/ML backend
│   ├── app.py              # Flask API server
│   └── requirements.txt
├── hooks/                   # Custom React hooks
├── lib/                     # Utility functions
└── public/                  # Static assets

npm run dev          # Start development server
npm run build        # Build for production
npm run start        # Start production server
npm run lint         # Run ESLint

cd blockchain
npm run compile      # Compile smart contracts
npm run test         # Run contract tests
npm run deploy:local # Deploy to local network

cd ai-backend
python app.py        # Start Flask server

• XGBoost models predict risk profiles with 98.5% accuracy
• Federated Learning ensures privacy-preserving training
• Reinforcement Learning for dynamic premium optimization

• Automated policy creation and management
• Parametric insurance with Chainlink oracle triggers
• Instant claim settlements via Layer 2 networks

• zkSNARKs for private claim verification
• Zero-knowledge proofs protect sensitive data
• Military-grade encryption for all transactions

• GANs detect anomalies in claims
• Real-time analysis of claim patterns
• Multi-factor fraud scoring system

• Arbitrum One (Mainnet) - Primary deployment
• Optimism - Alternative Layer 2
• Base - Coinbase's Layer 2
• Local Hardhat - Development testing

POST /api/risk-assessment      # Calculate risk scores
POST /api/fraud-detection       # Detect fraudulent claims
POST /api/claim-verification    # Verify claims with AI
POST /api/parametric-trigger    # Check parametric triggers

# Frontend tests
npm test

# Smart contract tests
cd blockchain
npx hardhat test

# AI backend tests
cd ai-backend
pytest

• Core protocol deployment
• AI risk assessment integration
• Federated learning implementation
• Multi-chain expansion
• Mobile app (React Native)
• Governance token launch
• Reinsurance layer
• Traditional insurance integration

We welcome contributions! Please see CONTRIBUTING.md for details.

This project is licensed under the MIT License - see the LICENSE file for details.

• Website: https://mutualchain.io
• Documentation: https://docs.mutualchain.io
• Discord: https://discord.gg/mutualchain
• Twitter: https://twitter.com/mutualchain

This is a proof-of-concept project for educational purposes. Always conduct thorough security audits before deploying to production. Insurance products may be subject to regulatory requirements in your jurisdiction.

• OpenZeppelin for secure smart contract libraries
• Chainlink for decentralized oracle infrastructure
• The Graph for blockchain indexing
• All the amazing open-source contributors

Built with ❤️ for DeFi and accessible insurance