We architect and deploy custom smart contracts on EVM and Solana that form the backbone of your application. Our focus is on security-first development, gas optimization, and compliance-ready logic for DeFi, NFTs, and enterprise use cases.
LABS
Services
On-Chain Insurance Claim Processing Systems
We build fully automated, oracle-driven claim assessment and payout engines that minimize manual intervention and settlement times for covered DeFi protocol failures.
Chainscore © 2026
overview
CORE INFRASTRUCTURE
Smart Contract Development
Secure, production-ready smart contracts built for scale and compliance.
- Security Audits: Every contract undergoes rigorous review using
SlitherandMythX, followingOpenZeppelinstandards. - Gas Efficiency: Optimized code to reduce user transaction costs by up to 40%.
- Full Lifecycle: From specification and development to deployment, verification, and ongoing maintenance.
Deploy a battle-tested, audited MVP in as little as 2 weeks, backed by a 99.9% uptime SLA for critical contract functions.
key-features-cards
ARCHITECTURE
Core Components of an Automated Claim Engine
Our modular, battle-tested engine combines on-chain automation with enterprise-grade reliability to process claims faster, reduce fraud, and cut operational costs.
01
Smart Contract Core
Custom-built, audited smart contracts for policy issuance, premium collection, and claim validation. Built with Solidity 0.8+ and OpenZeppelin libraries for maximum security and gas efficiency.
100%
On-Chain Logic
Certik
Audit Partner
02
Oracle Integration Layer
Secure, multi-source oracle network (Chainlink, Pyth, API3) to fetch and verify real-world data for parametric triggers, flight delays, or weather events, ensuring tamper-proof claim validation.
< 2 sec
Data Fetch
3+ Sources
Redundancy
03
Automated Claims Adjudication
Rule-based engine that evaluates claim submissions against policy terms in real-time. Automatically approves parametric claims and flags complex cases for manual review, slashing processing time.
90%
Auto-Approval Rate
< 60 sec
Processing Time
04
Multi-Chain Payout System
Automated, non-custodial payout mechanism supporting stablecoins and native tokens across EVM chains (Ethereum, Polygon, Arbitrum). Configurable for instant or scheduled disbursements.
5+ Chains
Supported
24/7
Settlement
05
Fraud Detection & Analytics
On-chain analysis and pattern recognition to identify suspicious claim patterns, duplicate submissions, and Sybil attacks, protecting your capital and loss ratios.
Real-time
Monitoring
Anomaly Detection
ML Models
06
Admin Dashboard & APIs
Full-featured management portal for underwriting, monitoring claims, and managing capital pools. REST & WebSocket APIs for seamless integration with your existing front-end and back-office systems.
99.9% SLA
API Uptime
< 2 weeks
Integration
benefits
MEASURABLE RESULTS
Business Outcomes for Insurance Providers
Our on-chain claim processing systems deliver concrete operational and financial improvements. Here are the specific outcomes you can expect.
01
Automated Claim Adjudication
Smart contracts automatically validate policy terms and payout conditions, reducing manual review by over 80% and eliminating human error in eligibility checks.
80%
Reduction in manual review
< 5 min
Initial adjudication time
02
Fraud Detection & Prevention
Real-time analysis of on-chain and off-chain data flags suspicious patterns using custom logic, reducing fraudulent claim payouts by up to 40%.
40%
Reduction in fraud payouts
Real-time
Pattern detection
03
Transparent Audit Trail
Every claim submission, verification step, and payout is immutably recorded on-chain, providing a single source of truth for regulators and internal audits.
100%
Immutable record
Instant
Audit report generation
04
Reduced Operational Costs
Automation of manual processes and elimination of intermediary reconciliation cuts administrative costs by 30-50%, directly improving loss ratios.
30-50%
Admin cost reduction
Direct
Loss ratio improvement
05
Faster Payouts & Customer Satisfaction
Automated, trustless systems enable near-instant settlement for valid claims, boosting Net Promoter Score (NPS) and reducing claims handling time from days to minutes.
Days → Minutes
Settlement speed
+25 pts
Avg. NPS increase
Infrastructure Comparison
Automated vs. Manual Claim Processing
A technical breakdown of the operational and financial impact of implementing an automated, on-chain insurance claim system versus maintaining a traditional manual process.
| Key Factor | Traditional Manual Processing | Chainscore Automated System |
|---|---|---|
Average Processing Time | 5-15 business days | < 1 hour |
Fraud Detection Capability | Reactive, post-payout audits | Real-time, on-chain verification |
Operational Cost per Claim | $50-$200 | < $5 |
Developer Resources Required | Dedicated team for intake & review | Smart contract integration only |
Settlement Finality | Reversible (chargeback risk) | Irreversible (on-chain) |
Audit Trail & Transparency | Internal logs, prone to errors | Immutable public ledger |
Scalability Limit | Limited by human review capacity | Handles 10,000+ claims/day |
Integration with DeFi Protocols | Manual, error-prone | Native, via smart contract oracles |
Time to Implement Solution | N/A (existing process) | 4-8 weeks |
Typical Annual Cost (10K claims) | $500K - $2M | $50K - $100K + gas |
how-we-deliver
TRANSPARENT & PREDICTABLE
Our Build Process: From Specification to Mainnet
A structured, milestone-driven approach to deliver a secure, scalable, and fully operational on-chain insurance claims system. We de-risk your project with clear deliverables and expert execution at every phase.
01
Phase 1: Discovery & Specification
We conduct a technical deep-dive to define your specific claims logic, risk parameters, and integration requirements. Deliverables include a detailed technical specification, architecture diagram, and a fixed-scope project plan.
Client Value: Eliminates scope creep and ensures alignment on technical and business objectives from day one.
1-2 weeks
Duration
Fixed Scope
Deliverable
02
Phase 2: Core Smart Contract Development
Our senior Solidity engineers build your custom claims adjudication engine, policy manager, and oracle integration modules. We implement battle-tested patterns from OpenZeppelin and conduct internal security reviews.
Client Value: A secure, gas-optimized, and upgradeable contract suite that forms the immutable backbone of your system.
Solidity 0.8+
Standard
OpenZeppelin
Security Base
03
Phase 3: Integration & Frontend
We build the admin dashboard for claims review and the user-facing portal for policyholders. Seamless integration with your existing systems (KYC, payments) and external oracles (Chainlink) for real-world data.
Client Value: A complete, production-ready application layer that your team and customers can use immediately.
React/Next.js
Frontend
REST/GraphQL
API
04
Phase 4: Security Audit & Testnet Deployment
Your system undergoes a rigorous audit by a top-tier third-party firm (e.g., Spearbit, Code4rena). We deploy to a testnet, execute a full suite of integration tests, and conduct a bug bounty program.
Client Value: Maximum security assurance and operational confidence before any real funds are at risk.
Third-Party
Audit
Testnet Live
Milestone
05
Phase 5: Mainnet Launch & Monitoring
We manage the secure mainnet deployment, configure multi-sig governance, and set up real-time monitoring with alerting for contract events, oracle health, and system performance.
Client Value: A smooth, controlled go-live with ongoing operational visibility to ensure system health and uptime.
Multi-sig
Deployment
24/7 Alerts
Monitoring
06
Phase 6: Ongoing Support & Upgrades
Post-launch, we provide SLA-backed support, performance optimization, and facilitate secure, governance-approved upgrades to your system as your product evolves.
Client Value: A long-term partnership to scale and adapt your claims processing infrastructure without technical debt.
99.9% SLA
Uptime
Priority Support
Option
On-Chain Insurance Claims
Frequently Asked Questions
Common questions about our custom on-chain insurance claim processing systems for DeFi protocols, parametric insurance, and reinsurance platforms.
A standard on-chain claims processing system with core automation takes 4-6 weeks from kickoff to mainnet deployment. This includes requirements analysis, smart contract development, oracle integration, frontend dashboard, and security audits. Complex parametric triggers or multi-chain deployments can extend this to 8-12 weeks. We provide a detailed project plan within the first week.
ENQUIRY
Get In Touch
today.
Our experts will offer a free quote and a 30min call to discuss your project.
NDA Protected
Confidentiality24h Response
Time to ValueDirectly to Engineering Team
No Sales Fluff10+
Protocols Shipped
$20M+
TVL Overall