Emergency payouts in minutes, not weeks.
Nion is an autonomous claims agent that insurers and other agents hire through a single endpoint. A claims system hands it a damage photo and a location; it verifies the peril, scores the damage, anchors the evidence on X Layer, and releases the emergency first tranche to the policyholder's wallet — machine to machine. Not final settlement, the fast relief that today takes months.
After a disaster, property claims take months. Insurers can't staff the surge — thousands of damage photos sit in a queue while families who need emergency relief now get nothing.
A service that triages a claim the moment it arrives — and pays. It confirms the event really happened, reads the damage from the photo, records tamper-proof evidence on-chain, and settles the emergency tranche in the same minute.
Four steps. One autonomous pass.
Nion checks the property's exact coordinates and incident date against four independent oracles — weather (Open-Meteo), wildfire (NASA FIRMS), earthquake and river gauges (USGS). If no source confirms the event, the claim stops here — it has to be independently real.
A vision model reports what it observes in the photo: missing roof covering, exposed decking, structural collapse, debris, water damage. Nion derives the damage score from those facts — the model never guesses a number.
The photo's fingerprint is written permanently to X Layer. The same image can never be submitted for a second claim — the contract itself rejects it.
If verified damage clears the threshold, the contract releases an emergency payout — a fraction of the coverage limit, sized by severity — straight to the policyholder's wallet. Final claim settlement stays with the insurer; Nion solves the speed problem for the money people need now.
Every claim leaves a permanent record.
Payouts trigger only when independent oracles — weather, wildfire, earthquake, or river gauges — confirm the peril at the property's exact coordinates.
Each image's fingerprint is written to X Layer. Reusing a photo for a second claim is rejected by the contract itself.
Insurers issue a signed coverage code per policyholder. The payout can never exceed what they authorized, and each code pays out exactly once — enforced on-chain.
The payout function accepts calls from one trusted agent wallet. No one else can move funds.
One call. Any agent.
This is the product. An insurer's claims system loops its backlog through one endpoint — each call returns a verdict and an on-chain payout: the emergency tranche, not final settlement. Call it free and direct at /api/triage, or as a paid x402 service at /api/triage/x402(1 USD₮0 per call, settled on X Layer). Run it in verify-only mode to just confirm a peril, and fund payouts from a shared pool or the caller's own vault. The form below is a window into the same agent. Registered on the OKX.AI marketplace as ASP #5013.
{
"policyholder": "0x9407…d38D",
"latitude": 27.9506,
"longitude": -82.4572,
"incidentDate": "2024-10-09",
"perilType": "Hurricane",
"coverageLimitUsd": 2000,
"imageBase64": "…"
}{
"verdict": "paid",
"damageScore": 65,
"payoutUsd": 1100,
"txHash": "0xa989…d39e",
"explorerUrl": "https://…"
}See a claim settle on-chain.
Prefilled with a real hurricane event so it runs end to end on X Layer testnet.
Run the live demo