Crop Insurance Automation Smart Contract

crop-insurance/.gitignore

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+
+settings/Mainnet.toml
+settings/Testnet.toml
+history.txt

crop-insurance/.vscode/settings.json

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+
+{
+    "deno.enable": true,
+}

crop-insurance/.vscode/tasks.json

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+
+{
+    "version": "2.0.0",
+    "tasks": [
+        {
+            "label": "check contracts",
+            "group": "test",
+            "type": "shell",
+            "command": "clarinet check"
+        },
+        {
+            "label": "test contracts",
+            "group": "test",
+            "type": "shell",
+            "command": "clarinet test"
+        }
+    ]
+}

crop-insurance/Clarinet.toml

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+[project]
+name = "crop-insurance"
+authors = []
+description = ""
+telemetry = true
+requirements = []
+analysis = ["check_checker"]
+costs_version = 2
+[contracts.automation]
+path = "contracts/automation.clar"
+depends_on = []

crop-insurance/contracts/automation.clar

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+;; Crop Insurance Automation Smart Contract
+;; Provides automated crop insurance with oracle-based claim processing
+
+;; Constants
+(define-constant contract-owner tx-sender)
+(define-constant err-owner-only (err u100))
+(define-constant err-not-found (err u101))
+(define-constant err-already-exists (err u102))
+(define-constant err-insufficient-funds (err u103))
+(define-constant err-invalid-amount (err u104))
+(define-constant err-policy-expired (err u105))
+(define-constant err-policy-not-active (err u106))
+(define-constant err-claim-exists (err u107))
+(define-constant err-unauthorized (err u108))
+(define-constant err-invalid-threshold (err u109))
+(define-constant err-invalid-input (err u110))
+
+;; Data Variables
+(define-data-var policy-counter uint u0)
+(define-data-var claim-counter uint u0)
+(define-data-var oracle-address principal contract-owner)
+(define-data-var min-premium uint u1000000) ;; 1 STX in microSTX
+(define-data-var max-coverage uint u100000000000) ;; 100,000 STX
+
+;; Data Maps
+(define-map policies
+  { policy-id: uint }
+  {
+    farmer: principal,
+    crop-type: (string-ascii 50),
+    coverage-amount: uint,
+    premium-paid: uint,
+    start-block: uint,
+    end-block: uint,
+    location: (string-ascii 100),
+    rainfall-threshold: uint,
+    temperature-threshold: uint,
+    is-active: bool,
+    claim-filed: bool
+  }
+)
+
+(define-map claims
+  { claim-id: uint }
+  {
+    policy-id: uint,
+    farmer: principal,
+    claim-amount: uint,
+    rainfall-actual: uint,
+    temperature-actual: uint,
+    filed-at: uint,
+    status: (string-ascii 20),
+    approved-by: (optional principal)
+  }
+)
+
+(define-map farmer-policies
+  { farmer: principal }
+  { policy-ids: (list 50 uint) }
+)
+
+(define-map authorized-oracles
+  { oracle: principal }
+  { is-authorized: bool }
+)
+
+;; Read-only functions
+(define-read-only (get-policy (policy-id uint))
+  (map-get? policies { policy-id: policy-id })
+)
+
+(define-read-only (get-claim (claim-id uint))
+  (map-get? claims { claim-id: claim-id })
+)
+
+(define-read-only (get-farmer-policies (farmer principal))
+  (default-to { policy-ids: (list) } (map-get? farmer-policies { farmer: farmer }))
+)
+
+(define-read-only (is-oracle-authorized (oracle principal))
+  (default-to false (get is-authorized (map-get? authorized-oracles { oracle: oracle })))
+)
+
+(define-read-only (calculate-premium (coverage-amount uint) (risk-factor uint))
+  (/ (* coverage-amount risk-factor) u10000)
+)
+
+(define-read-only (get-contract-balance)
+  (stx-get-balance (as-contract tx-sender))
+)
+
+;; Private functions
+(define-private (add-policy-to-farmer (farmer principal) (policy-id uint))
+  (let ((current-policies (get policy-ids (get-farmer-policies farmer))))
+    (map-set farmer-policies
+      { farmer: farmer }
+      { policy-ids: (unwrap-panic (as-max-len? (append current-policies policy-id) u50)) }
+    )
+  )
+)
+
+;; Public functions - Policy Management
+(define-public (create-policy 
+  (crop-type (string-ascii 50))
+  (coverage-amount uint)
+  (duration-blocks uint)
+  (location (string-ascii 100))
+  (rainfall-threshold uint)
+  (temperature-threshold uint)
+  (risk-factor uint))
+  (let
+    (
+      (policy-id (+ (var-get policy-counter) u1))
+      (premium (calculate-premium coverage-amount risk-factor))
+      (start-block block-height)
+      ;; Validate duration-blocks before using
+      (validated-duration (begin
+        (asserts! (and (> duration-blocks u0) (<= duration-blocks u52560)) err-invalid-input)
+        duration-blocks))
+      (end-block (+ block-height validated-duration))
+      ;; Validate string inputs length
+      (validated-crop-type (begin
+        (asserts! (> (len crop-type) u0) err-invalid-input)
+        crop-type))
+      (validated-location (begin
+        (asserts! (> (len location) u0) err-invalid-input)
+        location))
+    )
+    (asserts! (>= premium (var-get min-premium)) err-invalid-amount)
+    (asserts! (<= coverage-amount (var-get max-coverage)) err-invalid-amount)
+    (asserts! (> rainfall-threshold u0) err-invalid-threshold)
+    (asserts! (> temperature-threshold u0) err-invalid-threshold)
+
+    (try! (stx-transfer? premium tx-sender (as-contract tx-sender)))
+
+    (map-set policies
+      { policy-id: policy-id }
+      {
+        farmer: tx-sender,
+        crop-type: validated-crop-type,
+        coverage-amount: coverage-amount,
+        premium-paid: premium,
+        start-block: start-block,
+        end-block: end-block,
+        location: validated-location,
+        rainfall-threshold: rainfall-threshold,
+        temperature-threshold: temperature-threshold,
+        is-active: true,
+        claim-filed: false
+      }
+    )
+
+    (add-policy-to-farmer tx-sender policy-id)
+    (var-set policy-counter policy-id)
+    (ok policy-id)
+  )
+)
+
+(define-public (cancel-policy (policy-id uint))
+  (let ((policy (unwrap! (get-policy policy-id) err-not-found)))
+    (asserts! (is-eq (get farmer policy) tx-sender) err-unauthorized)
+    (asserts! (get is-active policy) err-policy-not-active)
+    (asserts! (not (get claim-filed policy)) err-claim-exists)
+    (asserts! (< block-height (get end-block policy)) err-policy-expired)
+
+    (map-set policies
+      { policy-id: policy-id }
+      (merge policy { is-active: false })
+    )
+
+    ;; Refund 50% of premium for early cancellation
+    (let ((refund (/ (get premium-paid policy) u2)))
+      (try! (as-contract (stx-transfer? refund tx-sender (get farmer policy))))
+    )
+    (ok true)
+  )
+)
+
+;; Public functions - Claims Management
+(define-public (file-claim 
+  (policy-id uint)
+  (rainfall-actual uint)
+  (temperature-actual uint))
+  (let
+    (
+      (policy (unwrap! (get-policy policy-id) err-not-found))
+      (claim-id (+ (var-get claim-counter) u1))
+      ;; Validate weather data inputs before using
+      (validated-rainfall (begin
+        (asserts! (<= rainfall-actual u10000) err-invalid-input)
+        rainfall-actual))
+      (validated-temperature (begin
+        (asserts! (<= temperature-actual u1000) err-invalid-input)
+        temperature-actual))
+    )
+    (asserts! (is-eq (get farmer policy) tx-sender) err-unauthorized)
+    (asserts! (get is-active policy) err-policy-not-active)
+    (asserts! (not (get claim-filed policy)) err-claim-exists)
+    (asserts! (>= block-height (get start-block policy)) err-policy-not-active)
+    (asserts! (<= block-height (get end-block policy)) err-policy-expired)
+
+    (let ((claim-amount (calculate-claim-amount policy validated-rainfall validated-temperature)))
+      (map-set claims
+        { claim-id: claim-id }
+        {
+          policy-id: policy-id,
+          farmer: tx-sender,
+          claim-amount: claim-amount,
+          rainfall-actual: validated-rainfall,
+          temperature-actual: validated-temperature,
+          filed-at: block-height,
+          status: "pending",
+          approved-by: none
+        }
+      )
+
+      (map-set policies
+        { policy-id: policy-id }
+        (merge policy { claim-filed: true })
+      )
+
+      (var-set claim-counter claim-id)
+      (ok claim-id)
+    )
+  )
+)
+
+(define-private (calculate-claim-amount 
+  (policy {farmer: principal, crop-type: (string-ascii 50), coverage-amount: uint, premium-paid: uint, 
+           start-block: uint, end-block: uint, location: (string-ascii 100), 
+           rainfall-threshold: uint, temperature-threshold: uint, is-active: bool, claim-filed: bool})
+  (rainfall-actual uint)
+  (temperature-actual uint))
+  (let
+    (
+      (rainfall-deficit (if (< rainfall-actual (get rainfall-threshold policy))
+                          (- (get rainfall-threshold policy) rainfall-actual)
+                          u0))
+      (temp-excess (if (> temperature-actual (get temperature-threshold policy))
+                     (- temperature-actual (get temperature-threshold policy))
+                     u0))
+      (total-impact (+ rainfall-deficit temp-excess))
+      (coverage (get coverage-amount policy))
+      (calculated-payout (if (> total-impact u0)
+                           (/ (* coverage total-impact) (get rainfall-threshold policy))
+                           u0))
+    )
+    ;; Return the minimum of coverage or calculated payout
+    (if (<= calculated-payout coverage)
+      calculated-payout
+      coverage
+    )
+  )
+)
+
+(define-public (approve-claim (claim-id uint))
+  (let ((claim (unwrap! (get-claim claim-id) err-not-found)))
+    (asserts! (is-oracle-authorized tx-sender) err-unauthorized)
+    (asserts! (is-eq (get status claim) "pending") err-not-found)
+
+    (map-set claims
+      { claim-id: claim-id }
+      (merge claim { 
+        status: "approved",
+        approved-by: (some tx-sender)
+      })
+    )
+
+    ;; Process payout
+    (if (> (get claim-amount claim) u0)
+      (try! (as-contract (stx-transfer? (get claim-amount claim) tx-sender (get farmer claim))))
+      true
+    )
+    (ok true)
+  )
+)
+
+(define-public (reject-claim (claim-id uint))
+  (let ((claim (unwrap! (get-claim claim-id) err-not-found)))
+    (asserts! (is-oracle-authorized tx-sender) err-unauthorized)
+    (asserts! (is-eq (get status claim) "pending") err-not-found)
+
+    (map-set claims
+      { claim-id: claim-id }
+      (merge claim { 
+        status: "rejected",
+        approved-by: (some tx-sender)
+      })
+    )
+    (ok true)
+  )
+)
+
+;; Admin functions
+(define-public (add-oracle (oracle principal))
+  (begin
+    (asserts! (is-eq tx-sender contract-owner) err-owner-only)
+    ;; Validate oracle principal is not contract owner
+    (asserts! (not (is-eq oracle contract-owner)) err-invalid-input)
+    (map-set authorized-oracles
+      { oracle: oracle }
+      { is-authorized: true }
+    )
+    (ok true)
+  )
+)
+
+(define-public (remove-oracle (oracle principal))
+  (begin
+    (asserts! (is-eq tx-sender contract-owner) err-owner-only)
+    ;; Validate oracle exists and is authorized before removing
+    (asserts! (is-some (map-get? authorized-oracles { oracle: oracle })) err-not-found)
+    (asserts! (is-oracle-authorized oracle) err-not-found)
+    (map-delete authorized-oracles { oracle: oracle })
+    (ok true)
+  )
+)
+
+(define-public (update-min-premium (new-min uint))
+  (begin
+    (asserts! (is-eq tx-sender contract-owner) err-owner-only)
+    ;; Validate new minimum premium is reasonable
+    (asserts! (and (> new-min u0) (<= new-min u1000000000)) err-invalid-input)
+    (var-set min-premium new-min)
+    (ok true)
+  )
+)
+
+(define-public (update-max-coverage (new-max uint))
+  (begin
+    (asserts! (is-eq tx-sender contract-owner) err-owner-only)
+    ;; Validate new maximum coverage is reasonable
+    (asserts! (and (> new-max u0) (>= new-max (var-get min-premium))) err-invalid-input)
+    (var-set max-coverage new-max)
+    (ok true)
+  )
+)
+
+(define-public (fund-contract (amount uint))
+  (begin
+    (asserts! (is-eq tx-sender contract-owner) err-owner-only)
+    (stx-transfer? amount tx-sender (as-contract tx-sender))
+  )
+)
+
+(define-public (withdraw-funds (amount uint) (recipient principal))
+  (begin
+    (asserts! (is-eq tx-sender contract-owner) err-owner-only)
+    (asserts! (<= amount (get-contract-balance)) err-insufficient-funds)
+    (as-contract (stx-transfer? amount tx-sender recipient))
+  )
+)