What is Jagantara?
Jagantara offers an on-chain insurance system that allows users to submit, verify, and process claims through a transparent DAO-governed mechanism,all powered by smart contracts. Jagantara provides a modular, intelligent, and user-friendly interface that makes blockchain functionality more accessible, secure, and automated.

Jagantara’s decentralized insurance offers a faster, cheaper, and more transparent alternative to traditional insurance. Unlike centralized providers that rely on opaque processes and slow manual reviews.

What Problem Does Jagantara Solve?
Jagantara tackles key issues in both DeFi and traditional insurance:

• Complexity: Both systems are hard to use and understand, especially for newcomers.
• Fragmentation: Users rely on multiple disconnected tools for staking, governance, insurance, and asset management.
• Manual Processes: Claims, onboarding, and other tasks are slow and inefficient.
• Inflation Risk: Capital sits idle or loses value over time without protection.
• Lack of AI Support: Most platforms offer no smart assistance or automation.
• Opaque Claims: Traditional insurance lacks transparency and trust in claim decisions.

Jagantara solves all of this in one integrated, AI-powered platform that makes DeFi and protection smarter, faster, and more user-friendly.

Jagantara Contract on Base Sepolia:

• Mock USDC
  https://sepolia.basescan.org/token/0x37c95286a8b3b88755846de0e16c9b93caa0c073#code

• Mock IDRX
  https://sepolia.basescan.org/address/0x411F6a4452717Ce71576C8AD88550741656DA392#code

• JagaToken
  https://sepolia.basescan.org/address/0x685669079efea9ec17e22d52712ad153a47a22b0#code

• Insurance Manager
  https://sepolia.basescan.org/address/0x39e3a4ef7bf4f8d19f1b4a8254543147c1381da9#code

• Jaga Stake
  https://sepolia.basescan.org/address/0x8ebebf610bfa0b55b58b45b9ce61a2ccf5c68c9d#code

• Mock Morpho Vault
  https://sepolia.basescan.org/address/0xcd0e4070212936be838b5696ee636cd611a61e2b#code

• Claim Manager
  https://sepolia.basescan.org/address/0x023496f9f3d8c1301ec71b8912eaddfdf7f767ba#code

• DAO Governance
  https://sepolia.basescan.org/address/0x01b970195f1cceb1e289d33f4659a57043ffda3f#code

• Morpho Re-invest
  https://sepolia.basescan.org/address/0xc80b0fe072a26a967060974f7911c0e6ce41badc#code

What Jagantara Offers (Our Solution)

• 🔐 Staking
  Stake and unstake tokens at will, using a flexible, Synthetix-inspired system with no rigid lock-ups.

• 📜 Decentralized Insurance
  Submit, verify, and process insurance claims transparently and trustlessly using DAO logic.

• 🗳️ DAO Governance (JagaDAO)
  Vote on protocol upgrades, community proposals, and even insurance claim approvals, all on-chain.

• 📢 Verifiable Campaigns
  Launch or join partner-verified campaigns that boost engagement and transparency.

• 🏦 Vaults + Inflation Protection
  Securely store assets in vaults that integrate Morpho to hedge against inflation and protect long-term value.

• 🤖 Jagabot (AI Assistant)
  Get help and automation from an AI-powered assistant, guiding users through staking, voting, claims, and more.

Architecture Overview

Revenue Flow

1. Premium Payment: Users pay USDC to InsuranceManager.
2. Revenue Split (Monthly):

• 25% → ClaimManager (Payout Vault)
• 30% → JagaStake (Staking Rewards)
• 20% → Owner
• 25% → MorphoReinvest (Reinvestment)

Claiming Flow

1. User submits a claim via DAOGovernance.
2. Claim is voted on by users holding JagaToken.
3. If yes vote reached 66% after minimum of 5 days it produces approve response for the proposal.
4. If yes vote hasn't reached 66% after maximum of 7 days it produces reject response for the proposal.
5. If approved, user calls ClaimManager.claimPayout(claimId) to receive funds. Otherwise if rejected.

Staking Flow

1. Stake USDC via JagaStake to receive JagaToken.
2. JagaToken grants DAO voting rights.
3. Rewards are distributed per 30 days.
4. Rewards come from 30% of protocol revenue (notifyRewardAmount).

Building Jagantara came with both technical and non-technical hurdles. Here are some of the key ones we faced and how we overcame them:

Capital & Trust Building
Insurance relies on trust and trust requires capital. Establishing credibility without large financial backing was one of our biggest non-technical challenges.

Auditing & Security Assurance
Finding top-tier auditors who align with our DAO principles and security standards was another major hurdle. It’s crucial for building long-term trust in our ecosystem.

Modular Smart Contract Architecture
Designing interoperable modules for staking, insurance, and governance under tight deadlines was tough.
Solution: We built a plug-and-play architecture with isolated smart modules, making testing, debugging, and future scaling much easier.

Secure AI Assistant Integration (Jagabot)
Allowing an AI agent to interact safely with blockchain contracts was challenging.
Solution: We sandboxed access through a proxy layer, limiting Jagabot to whitelisted contract methods with full logging and human override options.

Inflation Hedging via Morpho
Integrating Morpho seamlessly while keeping the user experience simple required careful abstraction.
Solution: We wrapped Morpho inside a unified vault interface so users get inflation protection without dealing with complex mechanics.

Multichain Expansion on the Superchain (OP Stack)
Ensuring data consistency and interoperability across multiple OP chains introduced complexity.
Solution: We developed a multichain messaging layer to standardize communication and maintain a unified user experience.

https://github.com/orgs/Jagantara/repositories

https://jagantara.finance/

Jagantara is a modular, multichain on-chain insurance protocol built on the Superchain (OP Stack). It delivers stable, transparent, and automated coverage for both DeFi users and wallets, designed to make decentralized protection practical, scalable, and regionally relevant.

What Makes Jagantara Stand Out
1. Stablecoin-Based Protection
Unlike most DeFi insurance platforms that rely on volatile assets like ETH, Jagantara is powered by USDC and local stablecoins like IDRX ensuring predictable claim payouts and capital stability. Users are protected from both asset risk and market volatility.

2. Wallet & Protocol Coverage
Jagantara doesn’t stop at protocol-level protection. We extend coverage to wallets and individual users, addressing real-world risks like phishing, wallet drains, and NFT theft, threats that impact millions of everyday users.

3. Fully On-Chain Governance
All claims, policies, and upgrades are managed transparently through JagaDAO, no off-chain assessors, no centralized decision-makers. Every action and vote is verifiable on-chain, ensuring trust and fairness.

4. Modular Smart Contract Architecture
Each component, staking, vaults, coverage, and governance, is built as an independent, upgradeable module. This plug-and-play design makes Jagantara easily composable with other dApps across the Superchain ecosystem.

5. Inflation Protection via Morpho Integration
Idle capital is optimized through Morpho lending, preserving and compounding value over time. This design ensures our insurance vaults don’t just sit, they grow sustainably.

6. Regional Focus: Southeast Asia
Jagantara is the first DeFi-native insurance protocol built for Southeast Asia, starting with Indonesia. Future support for local stablecoins like IDRX and MYRC ensures fiat-pegged protection accessible to millions entering Web3.

7. AI Assistant as a Support Layer
Our AI assistant, Jagabot, enhances usability by guiding users through staking, claims, and governance, all while keeping every action fully transparent and on-chain.

The Jagantara Alpha, deployed on Base Sepolia, will serve as a live proof of concept for our on-chain insurance model. It validates our key differentiators, stability, modularity, and transparency, through these core components:

1. Modular Architecture:
Functional staking, governance, insurance, and vault modules working together to prove our composable smart contract design.

2. Stablecoin-Based Protection:
Demonstrates predictable, volatility-free coverage payouts, a critical improvement over ETH-based systems.

3. On-Chain DAO Governance:
Claims will be submitted, voted, and executed transparently on-chain through JagaDAO, proving trustless insurance flow.

4. Morpho-Integrated Vaults:
Idle capital earns optimized yields via Morpho, showcasing real inflation protection and sustainable fund management.

Together, these modules confirm that Jagantara’s model of stable, fully on-chain, wallet-inclusive insurance is technically viable and scalable, starting within the Superchain ecosystem and tailored for Southeast Asia’s fast-growing Web3 users.

Our target customers are retail DeFi users and Web3 builders who want protection against wallet drains, protocol failures, and hacks.

This problem is personal, both our CEO and CTO have experienced major crypto losses firsthand (wallet drained, NFT hacked). Beyond that, we’ve validated strong demand through:

• Consistent feedback at hackathons and networking events, many participants said they’ve been hacked or fear being hacked.

• Friends, peers, and local Web3 communities expressing hesitation to enter crypto due to security concerns.

• Multiple builders and traders telling us that if a transparent, affordable Web3 insurance existed, they’d pay for it immediately.

This validation shows that fear of loss is one of the biggest barriers to mainstream crypto adoption, and Jagantara directly addresses that.

Our closest competitor is Nexus Mutual, one of the earliest and most recognized decentralized insurance protocols in the DeFi space. Nexus Mutual allows users to pool funds (primarily in ETH) and provide coverage against smart contract risks.

How Jagantara Is Different

1. Stablecoin-Based System (USDC) vs. Volatile Collateral (ETH):
   Nexus Mutual relies on ETH as its primary asset, which exposes both the capital pool and claims to market volatility. Jagantara, on the other hand, is built on stablecoin infrastructure (USDC) ensuring consistent value protection, predictable payouts, and stability during market fluctuations.

2. AI-Powered Automation:
   Jagantara integrates Jagabot, an AI assistant that helps users stake, file claims, and participate in governance automating complex blockchain interactions while maintaining on-chain security through a controlled proxy layer.

3. Modular Architecture:
   Unlike Nexus’s monolithic contract design, Jagantara is built with modular smart contracts for staking, insurance, governance, and vaults. This plug-and-play structure allows faster iteration, better security isolation, and easier multichain expansion.

4. Superchain-Ready (OP Stack):
   Jagantara is designed for the Superchain ecosystem, offering interoperability across multiple OP Stack chains. Nexus Mutual currently operates on a single-chain model, limiting cross-chain coverage capabilities.

5. Built-in Inflation Protection:
   Through our integration with Morpho, Jagantara automatically hedges against inflation protecting user capital while it’s staked. Nexus Mutual funds, by contrast, remain exposed to market shifts without yield optimization.

While Nexus Mutual pioneered decentralized insurance, Jagantara advances the model by combining stablecoin-based stability, AI-driven automation, and modular multichain infrastructure, making on-chain insurance more resilient, accessible, and future-proof.