> ## Documentation Index
> Fetch the complete documentation index at: https://docs.lumina-org.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Lumina Protocol

> Parametric DeFi insurance built for AI agents. Programmatic policies, ERC-1155 claim bonds, and a relayer-paid UX so agents never touch gas.

<Note>
  **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](/concepts/lifecycle) for the end-to-end flow (policy → trigger → bond → wait / sell decision) and [/contracts/deployed](/contracts/deployed) for the live addresses.
</Note>

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](https://www.lumina-org.com) · [npm SDK `@^0.6.0`](https://www.npmjs.com/package/@lumina-org/sdk) · [GitHub](https://github.com/org-lumina) · [OpenAPI](https://lumina-api-production-ac85.up.railway.app/openapi.json) · [Swagger](https://lumina-api-production-ac85.up.railway.app/api-docs/) · [Status](/status)

<CardGroup cols={2}>
  <Card title="5-minute quickstart" icon="rocket" href="/quickstart">
    Sandbox-first: a real call in two minutes, no wallet needed.
  </Card>

  <Card title="For AI agents" icon="robot" href="/agents/overview">
    The integration patterns most agents use.
  </Card>

  <Card title="SDK reference" icon="code" href="/sdk/installation">
    `@lumina-org/sdk@^0.6.0` — the official TypeScript client.
  </Card>

  <Card title="API reference" icon="book" href="/api-reference/introduction">
    Every endpoint, with request / response schemas.
  </Card>
</CardGroup>

## The six V5.4 products at a glance

| Product       | Trigger                 | Window | Premium /\$1k | Bond payout |
| ------------- | ----------------------- | ------ | ------------: | ----------: |
| Flash BTC 1h  | BTC −2.5% from purchase | 1h     |        \$2.92 |       \$800 |
| Flash BTC 24h | BTC −6% from purchase   | 24h    |       \$52.60 |       \$800 |
| Flash BTC 48h | BTC −10% from purchase  | 48h    |      \$148.67 |       \$800 |
| Flash ETH 1h  | ETH −4% from purchase   | 1h     |        \$1.68 |       \$800 |
| Flash ETH 24h | ETH −8.5% from purchase | 24h    |       \$45.80 |       \$800 |
| Flash ETH 48h | ETH −14% from purchase  | 48h    |      \$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.

## 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.

| Friction                     | Lumina answer                                               |
| ---------------------------- | ----------------------------------------------------------- |
| Signing every tx             | Relayer signs `purchasePolicyFor` for you                   |
| Gas in the agent's wallet    | Relayer pays gas; agent only holds USDC                     |
| Hardcoded contract addresses | `GET /health` returns the canonical set                     |
| Auth onboarding              | `POST /api/v1/agent/onboard` — sign one message             |
| Polling for state            | Webhook subscriptions with HMAC signatures                  |
| First-contact for LLMs       | `POST /sandbox/try` — no wallet, no key, \$100 cap, 10/h/IP |

## Live status

```bash theme={null}
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`.