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lumina.policies.list({ wallet? })

const policies = await lumina.policies.list()
//   [{ policyId, productId, buyer, coverageAmount, premiumPaid, txHash, status, … }]
Defaults to the calling wallet (server-side filter from the API key). Passing an explicit wallet is supported but ignored unless the API key owns that wallet — cross-wallet listing returns 403. 
const mine = await lumina.policies.list({ wallet: '0xabc…' })

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lumina.policies.get(productId, policyId)

Public — no API key required. 
const p = await lumina.policies.get(
  '0xdc5bcc7d…',         // bytes32 productId
  '42'                    // policyId
)

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lumina.policies.purchase({ productName, buyer, coverageAmount })

The SDK auto-resolves both the productId keccak hash AND the per-shield asset literal from productName. Pass productName whenever you can: 
const receipt = await lumina.policies.purchase({
  productName: 'FLASHBTC24-001',  // resolves productId + asset='BTC'
  buyer: '0x…',
  coverageAmount: '1000000000',   // $1,000 in 6-dec USDC base units
  idempotencyKey: 'uuid-v4',      // optional but recommended
})
productName must be one of the 6 V5.3 catalog entries:
  • FLASHBTC1H-001
  • FLASHBTC24-001
  • FLASHBTC48-001
  • FLASHETH1H-001
  • FLASHETH24-001
  • FLASHETH48-001
Any other product name will throw Unknown product at the SDK boundary before any network call is made. Or pass productId explicitly — the SDK still auto-resolves the asset by reverse-lookup against the canonical registry: 
const receipt = await lumina.policies.purchase({
  productId: '0xe87625ef…',       // FLASHBTC1H-001 hash
  buyer: '0x…',
  coverageAmount: '1000000000',
})
Returns: 
{
  txHash: '0x…',
  blockNumber: 12345,
  policyId: '7',
  buyer: '0x…',
  productId: '0x…',
  coverageAmount: '1000000000',
  premiumPaid: '52600000',         // 6-dec USDC base units; FLASHBTC24-001 = $52.60 per $1k cover
}

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Premium reference (per $1k coverage)

productNamePremium
FLASHBTC1H-001$2.92
FLASHBTC24-001$52.60
FLASHBTC48-001$148.67
FLASHETH1H-001$1.68
FLASHETH24-001$45.80
FLASHETH48-001$123.01
Quotes can be re-fetched live via lumina.products.quote(productId, coverageAmount) and are the authoritative source if you’re displaying a price to a user.

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Asset encoding

The asset field is optional when productName or a registered productId is supplied. To override, pass a symbol ('BTC' | 'ETH' | 'USDC' | 'USDT') or a 32-byte hex string: 
asset: 'BTC'    // encoded to 0x4254430000…0000 for you
asset: '0x4554480000000000000000000000000000000000000000000000000000000000'
See Products and assets for the full per-shield table and a list of InvalidAsset failure modes.

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Idempotency

Always pass idempotencyKey on retryable purchases. The header value is forwarded as Idempotency-Key. Replays return the original response; no double-charge.