Instaclaim is a revolutionary platform that simplifies and automates the insurance claims process by integrating cutting-edge blockchain and AI technologies. By leveraging two AI agents—one on the client side and another on the insurance company’s server—the platform ensures a seamless, efficient, and transparent claims experience.
Key Features
1. AI-Powered Automation
- Leverages Coinbase AgentKit to autonomously verify insurance policies and process claims.
- Handles claim approvals and denials efficiently with clear reasoning.
- Automates payouts directly to the user’s wallet upon claim approval.
2. Privacy-Preserving Data Handling
- Utilizes Lit Protocol to encrypt sensitive user data on the client side.
- Decrypts and processes data securely on the server using Lit Actions.
3. Trust Through Attestations
- Integrates Ethereum Attestation Services (EAS) to authenticate health reports submitted by users.
- Ensures that only hospital-verified documents are considered valid for claims.
4. Blockchain-Backed Security
- Combines blockchain’s immutability with AI’s efficiency to deliver a tamper-proof solution.
- Enhances transparency and trust between clients and insurance providers.
We faced significant challenges in implementing Lit Actions to securely invoke AI agents and encrypt/decrypt sensitive data.
Problem: Managing Access Control Conditions (ACC) to ensure only authorized wallets could access encrypted data was tricky, especially with dynamic claim data.
Solution:
- We carefully designed granular ACC rules that allowed conditional access based on specific claim scenarios.
- Collaborated with Lit Protocol's documentation and mentors present in the Lit Booth to troubleshoot issues with ACC definitions.
Ethereum Attestation Service (EAS)
EAS is used to attest SHA256 hashes of health records along with users’ wallet addresses. This ensures access control and authenticity for sensitive data.
Workflow:
- Hospital Attestation: Trusted partner hospitals create attestations containing health record hashes and user wallet addresses.
- Claim Verification:
- When a user submits a claim, their data and wallet address are matched against these attestations.
- If the hash matches, access is granted to process the claim.
Deployment of Coinbase Agent
The Coinbase Agent, built using AgentKit, is trained with the insurance company’s policies and operates autonomously to:
- Approve Claims: Automatically send payouts to the user’s wallet.
- Deny Claims: Provide clear reasons for denial.
Use of Lit Protocol
The Lit Protocol is the backbone of the platform’s security, enabling privacy-preserving interactions and ensuring that sensitive data is handled securely. It is utilized both on the client and server sides to manage encryption, decryption, and access control.
Workflow of Lit Protocol Integration
1. Client-Side Operations
- AI Agent Execution: The first AI agent is invoked as a Lit Action to process the user’s input.
- Data Encryption: The response from the AI agent is encrypted using another Lit Action, ensuring that sensitive data remains private during transmission.
- Secure Transfer: The encrypted response is sent to the server, ensuring that only authorized entities can decrypt and process the data.
2. Server-Side Operations
- Data Decryption: Upon receiving the encrypted response, the server decrypts it using Access Control Conditions (ACC). These conditions ensure that only the server’s authorized wallet has access to the data.
- Claim Processing: The server-side AI agent then processes the decrypted data to verify the claim and execute the appropriate action