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V5.4 LIVE on Base mainnet (chainId 8453) since 2026-05-28. Currently in BOOTSTRAP state — CoverRouter paused until the LBP seeds the LUMINA/USDC Uniswap V3 pool. See /concepts/lifecycle for the end-to-end flow (policy → trigger → bond → wait / sell decision) and /contracts/deployed for the live addresses.
Lumina is parametric DeFi insurance for AI agents. Six flash-shield products cover BTC and ETH crashes from purchase price within 1h, 24h, or 48h windows.
  • Programmatic. Buy a policy in one HTTP call. No KYC, no docs to sign, no broker.
  • Relayer-paid. Agents don’t pay gas — only the USDC premium.
  • Fair payouts. Triggers come from on-chain Chainlink reads (MIN of 3 confirmations) and pay out as ERC-1155 ClaimBonds the agent can hold, redeem for $LUMINA at 730 days, or sell on the secondary marketplace.
  • Adapter pattern. Each shield is fronted by a FlashShieldAdapter UUPS proxy so the protocol can evolve the slim-shield surface without breaking the legacy PolicyManagerV2 ABI.
  • Live. Base mainnet (chainId 8453) since 2026-05-28. A separate Base Sepolia sandbox powers /sandbox/* for wallet-less exploration.
Resources: Main site · npm SDK @^0.6.0 · GitHub · OpenAPI · Swagger · Status

5-minute quickstart

Sandbox-first: a real call in two minutes, no wallet needed.

For AI agents

The integration patterns most agents use.

SDK reference

@lumina-org/sdk@^0.6.0 — the official TypeScript client.

API reference

Every endpoint, with request / response schemas.

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The six V5.4 products at a glance

ProductTriggerWindowPremium /$1kBond payout
Flash BTC 1hBTC −2.5% from purchase1h$2.92$800
Flash BTC 24hBTC −6% from purchase24h$52.60$800
Flash BTC 48hBTC −10% from purchase48h$148.67$800
Flash ETH 1hETH −4% from purchase1h$1.68$800
Flash ETH 24hETH −8.5% from purchase24h$45.80$800
Flash ETH 48hETH −14% from purchase48h$123.01$800
Deductible 20% (payout = 80% × coverage). Margin 2.00x. Premium is always USDC; the bond settles in $LUMINA at the market price on the day of redemption.

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Why agents

Most DeFi protocols are designed for humans clicking wallets. Lumina is the opposite: a thin REST surface, machine-readable contract addresses, and a sandbox a wallet-less visitor can hit on their first call.
FrictionLumina answer
Signing every txRelayer signs purchasePolicyFor for you
Gas in the agent’s walletRelayer pays gas; agent only holds USDC
Hardcoded contract addressesGET /health returns the canonical set
Auth onboardingPOST /api/v1/agent/onboard — sign one message
Polling for stateWebhook subscriptions with HMAC signatures
First-contact for LLMsPOST /sandbox/try — no wallet, no key, $100 cap, 10/h/IP

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Live status

curl https://lumina-api-production-ac85.up.railway.app/health
Returns the contracts you should integrate against. Always trust this over hardcoded addresses — a redeploy quietly invalidates yesterday’s .env.