Agentic AI · 4-Oracle Quorum · 72h Proactive

Agentic Risk Intelligence

IIE doesn't wait for a farmer to file a claim. Four AI agents monitor satellite, weather, thermal, and soil data 24 × 7. When a quorum of ≥ 75% confidence is reached, the smart contract executes and IMPS payout fires — automatically, in under 3 seconds.

4-agent quorum
NASA · IMD · ISRO · ICAR
≥ 75% confidence
Weighted consensus trigger
< 3s payout
IMPS auto-disbursed
72h early warning
Proactive farmer advisory
Zero-touch claims
No paperwork ever

AI Oracle Agents

Each agent polls a different sovereign data source. Click a card to see its role and quorum weight.

🛰️
NDVI Sentinel
NASA MODIS · 250m · 16-day composite
ALERT4 min ago
NDVI 0.21 — BarmerWeight: 40%
🌧️
Rain Watcher
IMD District API · 24h rolling
ALERT2 min ago
8mm — Barmer (drought)Weight: 25%
🌡️
Thermal Guard
ISRO Bhuvan · Land Surface Temp · 1km
ALERT6 min ago
47.2°C — BarmerWeight: 25%
🌱
Soil Moisture Oracle
ICAR-IARI Sensor Network
NOMINAL9 min ago
12% — Barmer (dry)Weight: 10%

72h Proactive Scenario

Step through a real drought event in Barmer, Rajasthan — see what IIE does proactively vs. what passive insurance does after the fact. The phone shows the YONO notification a farmer would receive.

⏱ 72h Proactive Scenario PlayerBarmer, Rajasthan · Drought event simulation
🌤️
T+0h — Baseline Normal
Agent verdict: Monitoring · No anomaly detected
NDVI
0.42
Rainfall
18mm
Temp
36°C
Soil
32%
😴 Passive Insurance
System idle — no trigger
⚡ IIE Agentic AI
Agents running background scans every 15 min
05:31 am
Friday, 3 Jul
💳
SBI YONO
now
— swipe to unlock —

Passive vs. Agentic

Every row below is a dimension the GFF jury evaluates.

🆚 Passive Insurance vs. Agentic AI
10 dimensions · every row is a judge talking point
Dimension😴 Passive Insurance⚡ IIE Agentic AI
Data collectionFarmer self-reports at harvest⚡ Continuous oracle polling every 15 min (NASA · IMD · ISRO · ICAR)
Trigger detectionManual inspection or batch job⚡ 4-agent AI quorum — weighted consensus, <15 min detection
Fraud vectorInflated claim, false photo evidence⚡ Satellite + sensor data — no human input in trigger chain
Payout speed30–90 days (claim form → surveyor → approval)⚡ <3 seconds — IMPS auto-disbursed on smart contract execution
Farmer burdenFile claim, provide documents, attend inspection⚡ Zero action needed — system detects and pays automatically
Early warningNone — claim filed post-loss⚡ 72h advance advisory SMS to irrigate / relocate livestock
Grievance resolution15–30 days via branch/IRDAI portal⚡ AI grievance bot explains oracle proof in <5 min via YONO chat
Audit trailPaper files, Excel sheets⚡ Immutable Hyperledger Fabric chain — IRDAI read-only access
Premium pricingActuarial tables, blunt district-level rates⚡ Real-time per-farmer risk score → dynamic premium
Multi-event handlingOne claim per season⚡ Continuous monitoring — secondary event detected and paid separately
Global FinTech Festival 2026

Three Pillars for the GFF Jury

IIE addresses the three themes GFF 2026 judges score on: climate resilience, AI-led inclusion, and sovereign DPI governance.

01
🌾
Climate-Resilient Agriculture Finance
"Parametric triggers replace subjective crop-loss surveys"
  • ▸NASA MODIS NDVI, IMD rainfall, ISRO temperature — sovereign data, zero manipulation
  • ▸Payouts fired in <3s vs 30–90 day traditional claim cycle
  • ▸Covers drought, flood, cyclone, heatwave from a single policy
  • ▸Scales to 500+ districts without adding field surveyors
GFF 2026 Track: Agri-Fintech & Climate Insurance Innovation
02
🤖
Agentic AI for Financial Inclusion
"AI agents act — they don't just recommend"
  • ▸4-agent quorum (NDVI · Rainfall · Thermal · Soil) — no single point of manipulation
  • ▸Proactive 72h early warning advisory to farmers before loss occurs
  • ▸Zero-touch claims: farmer never files paperwork or attends inspection
  • ▸Grievance bot resolves disputes in <5 min using oracle proof
GFF 2026 Track: AI & Digital Infrastructure for Inclusion
03
🏛️
Sovereign DPI + Regulatory Trust
"Built on India Stack — designed for IRDAI audit from day one"
  • ▸Aadhaar eKYC + DigiLocker land records + UPI/IMPS payout — 100% India Stack
  • ▸DPDP Act 2023 compliant: SHA-256 Aadhaar hash, minimal retention, consent-receipted
  • ▸Hyperledger Fabric audit chain — IRDAI inspector gets permissioned read access
  • ▸PM-FASAL subsidy auto-applied — government partnership, not competition
GFF 2026 Track: Regulatory Innovation & DPI Governance
Operations DashboardLive DemoCompliance Center