Every parametric trigger becomes a court-grade receipt — oracle-attested, signed twice, paid in seconds, defensible in arbitration.

$90B+ global catastrophe-bond market and $300B+ annual reinsurance flow. Lloyd’s, Swiss Re, Munich Re, AXA, and Hannover Re are writing parametric covers — hurricane, earthquake, wildfire, flood, hailstorm — and the dispute layer is still email, PDF, and court. StormLock sits underneath the parametric program — every oracle reading, every trigger evaluation, every threshold cross, every payout authorization — captured as a dual-signed (Ed25519 + ML-DSA-65) receipt anchored to Base 8453, admissible without expert testimony under FRE 902.

The ROI on a single bound parametric program

StormLock ingests events from any parametric program manager, cat-bond structurer, oracle data feed (WMO meteorological station, USGS / EMSC seismic catalog, ICEYE / Capella / Sentinel-1 SAR flood tiles, NOAA HURDAT, NIFC wildfire perimeter), or reinsurance treaty layer already in place. Every parametric event becomes a dual-signed receipt with a chain pointer to its predecessor and the full parametric audit attribute set encoded as named fields. The numbers a parametric program manager, cat-bond structurer, reinsurance treaty lead, or parametric-claims arbitrator presents to the cedent or the reinsurer are these.

A program manager binding $400M of parametric notional across hurricane, earthquake, and flood spends on the order of $500,000 / year on StormLock at the Carrier tier — against a single contested $40M Cat-3 wind payout that already runs 47 days at full claims-leadership attention, or one cedent-reinsurer dispute that escalates to London-market arbitration. The unit math defends itself.

Receipt rail, not an oracle

Underwriters write the cover. Oracles publish the reading — WMO meteorological stations, USGS ANSS / EMSC seismic catalogs, ICEYE, Capella, and Sentinel-1 SAR for flood tiles. Carriers pay the wire. StormLock does none of those. It produces the cryptographically-anchored, oracle-bound, threshold-evaluated receipt that proves a recorded parametric trigger happened the way the cedent says it did — from the policy bind that authorized it, through every reading, threshold cross, trigger evaluation, loss calculation, and payout authorization that touched it, to the reinsurance settle, dispute open, and arbitration close. That separation is the point.

Every cedent, reinsurer, oracle, and program manager produces the same kind of evidence under different vendor names. The evidence is platform-neutral — that is what makes it defensible to a London-market arbitrator under LMAA terms, to a state insurance commissioner under NAIC model bulletins, to a European regulator under Solvency II Article 132, or to a US federal court under FRE 902(13) with no network access in 2032.

How a $40M Cat-3 hurricane parametric cover gets paid in 4 minutes instead of 47 days

A specific, narrated example. A 2026 Florida real-estate REIT binds a $40M Cat-3 wind parametric cover on a portfolio of coastal multifamily assets. Six months later a Category-3 hurricane crosses the trigger zone. The clock starts.

Live verification — what a reinsurer sees

The envelope is CBOR-canonical and verifies offline against the issuer’s published public keys — no Hive call required at verification time. The panel below is the same shape every reinsurance treaty lead, cat-bond noteholder, parametric-claims arbitrator, or state DOI examiner renders, with the full parametric attribute grid encoded as named fields.

That panel is the entire product surface a reinsurance treaty lead, a cat-bond noteholder, or a parametric-claims arbitrator needs. No demo. No login. The evidence is its own proof, and the proof works in six years on a laptop with no internet.

Standards — what StormLock adds

Every existing parametric and catastrophe-modeling standard answers a different question. StormLock does not replace any of them — it adds the cryptographic binding that makes each one defensible after the fact, including against quantum-capable adversaries in 2032.

3-step integration path

The 11 MCP tools

Eleven tools, all live in production. Contact for MCP integration credentials and the full well-known manifest.

The parametric envelope

Every stormlock_*_attest call returns an envelope containing receipt id, event kind, policy DID, oracle DID, peril class, threshold spec, oracle reading payload, trigger result, loss calc result, payout amount in USDC where applicable, treaty DID where applicable, prior-attestation id, Base 8453 anchor txid, and dual signatures (Ed25519 + ML-DSA-65). The signatures bind every field. Any tamper attempt invalidates verification.

The envelope is CBOR-canonical. Verification works offline against the issuer’s published public keys. ML-DSA-65 (NIST FIPS 204) is the post-quantum signature; Ed25519 (RFC 8032) provides classical assurance. Both must verify for the receipt to be valid. Receipts remain valid through key rotation via signed key history, so a 2026 trigger event is still defensible in a 2032 cedent-reinsurer dispute or cat-bond noteholder action.

What this is not

Calibrated expectations are part of the product. StormLock is narrow on purpose.

Pricing

Per-event pricing fits pilot deployments and single-peril integrations. The $50K Program tier fits a single program manager running a multi-peril book with a dedicated treasury sub-account. The $500K Carrier tier fits multi-program, multi-jurisdiction parametric carriers with NAIC and Lloyd’s audit-readiness on file. The Reinsurance tier prices at 0.5–2.0% of bound notional capped at $5M / year and binds the full treaty layer, retro chain, and per-treaty receipt rail. Settlement: USDC on Base 8453 via x402. Treasury 0x15184Bf50B3d3F52b60434f8942b7D52F2eB436E exists. Receipts settle in seconds; invoicing is monthly net-30 by default.

Field map

StormLock binds every parametric transition to a dual-signed receipt that drops cleanly into existing ISO 17488, WMO TR-21, USGS ANSS, ICEYE, Capella, and Sentinel-1 SAR pipelines. Each call accepts the correlation fields below; the envelope round-trips through standard JSON / CBOR transports via the Hive Receipt primitive.

Cross with HiveComply when SOC 2, NAIC, Solvency II, or IFRS 17 audits are in scope — HiveComply ingests StormLock receipts natively. Cross with Atticus when a cat-bond noteholder action or a parametric-trigger arbitration escalates to litigation. Cross with TradeGuard when parametric trade-credit and political-risk covers are in scope.

Hive runs the receipt rail underneath the broader A2A · agent-to-agent commerce category.