YONO-Oracle IIE

Operations Dashboard

Live risk, contract state, audit chain, and IMPS settlements in one judge-ready screen.

📋

Policies Enrolled

💸

Payouts Simulated

₹0 Cr

🤖

Auto-Approval Rate

🛡️

Fraud Blocked

Districts monitored

NASA · IMD · ISRO · ICAR

Triggered policies

Weighted quorum >=75%

Settled today

₹1.53L

IMPS + UPI

Avg settlement

<3s

Edge + NPCI sim

Risk map

Click a district → Reasoning Engine + What-If Simulator update ↓

Barmer, Rajasthan · 91/100

Rajasthan

Barmer

Risk 91/100Drought

Risk score91%

farmers

24,300

Oracle set

NASA · IMD · ISRO · ICAR

Suggested action

Run verify → execute payout

State machine

Current: TRIGGERED

ACTIVE

TRIGGERED

EXECUTED

Transition rule

ACTIVE → TRIGGERED when quorum ≥ 75%; TRIGGERED → EXECUTED after smart contract call + IMPS confirmation.

🧠 Reasoning Engine

Barmer, Rajasthan

Oracle evaluation — why the AI made this decision

✅ ELIGIBLE

Weighted risk score: 72/100

🛰️ Raw Oracle Data Points

NDVI (NASA MODIS)

0.21Severe stress

Rainfall (IMD)

8mmDrought risk

Temperature (ISRO)

47.2°CHeatwave

Soil Moisture (ICAR)

12%Critically dry

💰 Business Impact

Eligible for Payout

✅ YES

Weighted risk score 72/100 — threshold ≥ 60

Risk per Hectare

₹57,360

₹80,000 cover × 72% weighted risk

Estimated Payout

₹2,58,120

Risk/ha × 4.5 ha

Actuarial Premium

₹5,679

2.2% of payout — net SBI risk after PM-FASAL subsidy

AI Confidence

85%

GB v3.0 quorum confidence across 3 oracle agents

🎛️ What-If Simulator

Barmer — Scenario Explorer

Adjust parameters to see how oracle inputs change the payout

🌧️Rainfall

8mm

Lower = more drought risk

🌱NDVI Index

0.21

Lower NDVI = crop stress = higher payout

🌡️Temperature

47°C

Above 42°C triggers heatwave risk factor

🗺️Land Acreage

4.5 ha

Payout scales linearly with acreage

Simulated Verdict

✅ ELIGIBLE

Risk score: 71/100 ▼ 1 pts

Simulated Payout

₹2,57,220

vs oracle baseline▼ ₹900

💡 Model insight: Improving conditions reduced score by 1 pts — saving SBI ₹900.

SHA-256 audit timeline

Each record points to the previous hash for tamper evidence.

Policy enrolled

2026-06-30 09:40

hash: 9bf23c9e0a…aa8b0b

prev: 0000000000…000000

Oracle quorum triggered

2026-06-30 09:42

hash: cb01918a8b…b02d1e

prev: 9bf23c9e0a…aa8b0b

Smart contract executed

2026-06-30 09:42

hash: 44c2fbc17f…4281be

prev: cb01918a8b…b02d1e

IMPS payout settled

2026-06-30 09:42

hash: d10c91c711…ab7aa1

prev: 44c2fbc17f…4281be

IMPS transactions

Latest IMPS / UPI payout confirmations.

Policy	Farmer	District	Amount	Method	RRN	Status
SBI-IIE-00341	Ramesh Kumar	Barmer	₹48,200	IMPS	924819023741	SUCCESS
SBI-IIE-00609	Kavitha Reddy	Adilabad	₹55,000	UPI	512930481726	SUCCESS
SBI-IIE-00821	Priya Sharma	Jodhpur	₹22,100	IMPS	318294017483	PROCESSING
SBI-IIE-00187	Meena Kumari	Nashik	₹28,400	IMPS	604817293048	PROCESSING

Production Roadmap

Path to SBI Core Banking integration and IRDAI regulatory sandbox.

Q3 2026

✓

Hackathon MVPCOMPLETE

YONO mock · India Stack simulator · AI quorum · blockchain audit

Q4 2026

●

IRDAI Sandbox OnboardingIN PROGRESS

Apply for IRDAI regulatory sandbox · data localisation audit · DPDP compliance sign-off

Q1 2027

SBI Core Banking PilotPLANNED

Finacle CBS API integration · NPCI IMPS live · 5 pilot districts in Rajasthan

Q2 2027

PM-FASAL IntegrationPLANNED

PFMS DBT live subsidy routing · Agri Ministry MoU · 50,000 farmer onboarding

Q3 2027

National RolloutPLANNED

500+ districts · FPO group policies · multi-crop support · IRDAI licensed insurer

Edge Cases Handled

Multi-crop, flood/cyclone triggers, and FPO group policy scenarios.

Single policy covers multiple crops on the same land parcel. Each crop has its own trigger oracle and coverage weight.

Crop 1Wheat — ₹80,000 cover

Crop 2Chickpea — ₹40,000 cover

TriggerPer-crop NDVI threshold

PayoutIndependent per crop

Security Audit

OWASP Top 10 compliance — all checks passing.

✅All 10 OWASP checks passing — 0 critical, 0 high, 0 medium findings