Shieldly

Shieldly: Democratizing Insurance for Emerging Markets

Shieldly is a revolutionary micro-insurance platform that brings affordable, pay-as-you-go insurance to underserved populations in emerging markets across Africa and Southeast Asia. Built on blockchain technology, Shieldly addresses the critical gap where traditional insurance fails due to high costs, complexity, and infrastructure limitations.

The Problem We Solve

Millions of farmers, small business owners, and individuals in emerging markets lack access to financial safety nets. A single crop failure, health emergency, or business asset loss can devastate entire families, perpetuating cycles of poverty and financial vulnerability.

Our Solution

Shieldly offers parametric micro-insurance with three core products:

• Crop Insurance: Weather-triggered payouts based on rainfall/temperature data

• Health Insurance: Affordable coverage for medical emergencies

• Small Business Asset Protection: Coverage against theft, damage, or loss

Key Innovation

• Pay-as-you-go premiums: Flexible micro-payments (weekly/monthly) that fit users' cash flow

• Automated claims processing: Instant payouts triggered by verified external data (weather APIs, IoT sensors)

• Mobile-first design: Intuitive app optimized for low-end devices and poor connectivity

• Blockchain transparency: Immutable records and automated smart contracts build trust

• Community-driven pools: Shared risk model that keeps costs low while ensuring sustainability

Impact

Shieldly transforms financial resilience for vulnerable populations, providing the safety nets needed to break poverty cycles and build sustainable livelihoods. By leveraging technology to eliminate traditional insurance overhead, we make protection accessible to those who need it most.

Target Users: 2.5 billion uninsured individuals in emerging markets

Mission: Financial inclusion through accessible, transparent, and automated insurance