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Insurance verified Verified Outcome TRL 9

Parametric Commodity Price Protection

domain Client: Agricultural Producers handshake Provider: Stable schedule Deploy: 2019-Present
88 Impact
Enterprise Ready
Evidence Score: 5/10
Strength: High

Executive Summary

ANALYST: COI RESEARCH

Data-driven insurance protecting businesses against volatile commodity prices (e.g., milk, avocados) that are not traded on futures exchanges.

rate_review Analyst Verdict

"Fills a massive gap in financial hedging. Futures markets only cover major global commodities (corn, oil). Stable uses local index data to create 'futures-like' protection for niche commodities, critical for farmer solvency."

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Full Audit Report Available Includes Risk Register, Technical Specs & Compliance Data.

warning The Challenge

Farmers and food producers are exposed to wild swings in the price of their inputs (fertilizer) or outputs (milk, organic crops). While wheat and corn can be hedged on the Chicago Mercantile Exchange, niche or local commodities cannot. A 30% price drop could bankrupt a farm even if the harvest was good (yield vs price risk).

psychology The Solution

Developed a platform that aggregates thousands of third-party price indices (e.g., local USDA reports, organic certification boards). Clients select their specific commodity and index. If the index price drops below a trigger point, the policy pays the difference. This democratizes hedging for the 'un-traded' economy.

settings_suggest Technical & Deployment Specs

Integrations
Index Feeds
Deployment Model
SaaS Platform
Data Classification
Market Data
Estimated TCO / ROI
Premium
POC Summary ( to )

"N/A"

shield Risk Register & Mitigation

Risk Factor Severity Mitigation Strategy
Index Manipulation Low Use of reputable third-party benchmarks.
Basis Risk Medium Client selects the index.

trending_up Impact Trajectory

Audited value realization curve

Coverage of thousands of untraded commodities Verified Outcome
Primary KPIPayouts based on public indices
Audit CycleProtection of profit margins

policy Compliance & Gov

  • Standards: CFTC / Insurance Regs
  • Maturity (TRL): 9
  • Evidence Score: 5/10
  • Data Class: Market Data

folder_shared Verified Assets

description
Verified Case Study
PDF • Version 1
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Technical Audit
PDF • Audited
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The "Blind Verification" Protocol

How we verified these outcomes for Agricultural Producers without exposing sensitive IP or identities.

Private
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1. Raw Evidence

Audit ID: #PRIV-567
Evidence: Direct SQL Logs
Public
public

2. Verified Asset

Outcome: Verified
Ref ID: #COI-567

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