Gasless micro-insurance for laptops, paid by the second using x402 on Arc Testnet.
Built for the Circle Hackathon · Arc Testnet · x402 Protocol · Circle Developer-Controlled Wallets
Blink lets anyone insure their laptop by the second - no sign-up, no annual premium, no paperwork. You pay only for the exact seconds you're covered.
| Mode | Rate | Use case |
|---|---|---|
| At Desk | $0.000005 / second | Laptop in use, user present |
| Away | $0.00001 / second | Laptop unattended or in transit |
Every second of coverage is a real USDC micropayment over the x402 protocol on Arc Testnet. The insurance reserve pool is managed by the admin via Circle Developer-Controlled Wallets.
Real-time 5-second streaming policy via x402 gateway
Admin Portal - Staking USYC reserves and managing claims via Circle Developer Wallets
User Backend (x402) Circle Dev Wallet
│ │ │
├── deposit USDC to gateway ─────►│ │
│ │ │
├── start policy (5s at desk) ───►│ │
│ ┌─ per-second payment loop ──►│ │
│ │ $0.000005 x402 payment/sec │ verifies + settles │
│ └─ repeat for N seconds │ │
│ │ │
└── policy complete │ │
│ │
Admin │ │
├── deposit & stake USYC reserve ──────────────────────────────►│
└── trigger claim payout ─────────────────────────────────────►│ USDC → user
- User deposits USDC into their x402 Gateway wallet
- They select a mode (At Desk / Away), set a duration, and click Start Policy
- Every second, the frontend fires a paid request to the backend - each request is a self-contained x402 micropayment
- Admin deposits USYC into the reserve pool (which they have the ability to stake) and triggers USDC claim payouts for verified losses
| Layer | Tech |
|---|---|
| Frontend | React 18 + Vite + TypeScript + Tailwind CSS |
| Micropayments | x402 protocol via @circlefin/x402-batching |
| Backend | Node.js + Express |
| Reserve wallets | Circle Developer-Controlled Wallets |
| Network | Arc Testnet (EVM, chainId 5042002) |
| Tokens | USDC (0x360...) · USYC (0xe91...) |
- Node.js 18+
backend/.envconfigured (copy from.env.example)
cd backend
npm install
node server.js
# → http://localhost:3001cd frontend
npm install
npm run dev
# → http://localhost:5173 (or next available port)- Open the app → click User Portal
- Click Deposit 1 USDC to Gateway to fund your gateway wallet
- Set duration (e.g. 5 seconds), choose At Desk or Away mode
- Click Start Policy - watch per-second payments stream in real time with live balance updates
- Copy your buyer address, switch to Admin Portal, paste into "Trigger Claim Payout" to send USDC back as a claim
| Method | Path | Auth | Description |
|---|---|---|---|
GET |
/api/health |
- | Service health check |
GET |
/api/status |
- | Contract pool balances |
GET |
/api/insure/active |
x402 $0.000005 | At-desk coverage tick |
GET |
/api/insure/idle |
x402 $0.00001 | Away coverage tick |
GET |
/api/balance/:address |
- | USDC + USYC balance |
POST |
/api/admin/deposit-reserve |
- | Deposit USYC to reserve |
POST |
/api/admin/trigger-claim |
- | Send USDC claim to user |
# backend/.env
PORT=3001
ARC_RPC_URL=https://rpc.testnet.arc.network
PARAMIFY_ADDRESS=<deployed contract>
CIRCLE_API_KEY=<your key>
CIRCLE_ENTITY_SECRET=<your secret>
CIRCLE_WALLET_ID=<wallet id>
CIRCLE_WALLET_ADDRESS=<wallet address>Paramify-Hedera/
├── backend/
│ └── server.js # Express + x402 gateway middleware
├── frontend/
│ └── src/
│ ├── InsuracleDashboard.tsx # User portal (buy per-second coverage)
│ ├── InsuracleDashboardAdmin.tsx # Admin portal (reserves + claims)
│ └── lib/
│ └── gatewayClient.ts # x402 Gateway client wrapper
├── contracts/ # Solidity reserve pool
├── scripts/ # Deployment + funding helpers
└── .env.example
MIT