ENGINE · Live determination

The trigger, the calculation, the seal — end to end.

Server-rendered determination against the Open-Meteo ERA5 archive. If the public feed is unreachable at render time, the engine falls back to a deterministic synthetic sequence tagged as such in the audit trail. Both paths are honest.

gsr-2026-lincs-drought-01 gsr-2026-somerset-flood-01 gsr-2026-southaus-heatwave-01

POLICY

Barossa Vineyards Cooperative (synthetic)

Nuriootpa, AU — -34.4708, 138.9944

policy_id: gsr-2026-southaus-heatwave-01
holder: Barossa Vineyards Cooperative (synthetic)
currency: USD
sum_insured: US$320,000
premium: US$18,100

trigger.kind: heat_days_over_c
trigger.window: 2026-01-01 → 2026-02-28
trigger.threshold: 38
trigger.count_threshold: 5
payout.shape: step

DETERMINATION

Trigger fired.

The predefined threshold was met inside the window. Payout is calculated directly against policy terms.

OBSERVED

days_tmax_over_38c

PAYOUT RATIO

100.00%

clamped [0, 1]

PAYOUT

US$320,000.00

trigger.fired = true

REASONING TRACE

trigger.kind=heat_days_over_c, window=2026-01-01..2026-02-28, threshold=38
observed.days_tmax_over_38c=6
fired=true
payout_ratio=1

PUBLIC FEED

Observations, byte-for-byte reproducible.

Every row was fetched from the same public URL an auditor can hit. If a day is missing, it is flagged in the reasoning list, not silently zeroed.

source = open-meteo.archive.era5
request_url = https://archive-api.open-meteo.com/v1/archive?latitude=-34.4708&longitude=138.9944&start_date=2026-01-01&end_date=2026-02-28&daily=precipitation_sum%2Ctemperature_2m_max%2Ctemperature_2m_min&timezone=UTC
fetched_at = 2026-07-08T22:13:59.220Z

date	precip_mm	tmax_c	tmin_c
2026-01-01	0	26.9	15.5
2026-01-02	0	32.1	16.1
2026-01-03	0	30.9	11.2
2026-01-04	0	28.5	13.3
2026-01-05	0	31.6	18.4
2026-01-06	0	37.9	25.7
2026-01-07	0	41.7	26
2026-01-08	0	43.9	25.7
2026-01-09	0.1	33.6	14.7
2026-01-10	0	21.6	11.5
2026-01-11	0	23.8	12.2
2026-01-12	0	28.9	11.1
2026-01-13	0	29.9	14.6
2026-01-14	0	31.5	12.3
2026-01-15	0	24.3	13.7
2026-01-16	0	23.7	15.6
2026-01-17	0	31.6	20
2026-01-18	0	34.4	24.6
2026-01-19	0	29.9	15.2
2026-01-20	0	32.9	14.5
2026-01-21	0	25.7	9.8
2026-01-22	0	25.7	14.4
2026-01-23	0	34.5	24.2
2026-01-24	0	42.4	19.6
2026-01-25	0	36.2	22.4
2026-01-26	0	43.2	31.3
2026-01-27	0	41.9	20.3
2026-01-28	0	34	21.7
2026-01-29	0	33.1	25
2026-01-30	0	38.3	25.5
2026-01-31	0	35.4	15
2026-02-01	0	23.2	9
2026-02-02	0	25.1	14.7
2026-02-03	0	32.4	15.6
2026-02-04	0	33.9	15
2026-02-05	0	32	15.3
2026-02-06	0	35.5	19.1
2026-02-07	0	34.4	18.9
2026-02-08	0	31.3	15.9
2026-02-09	0	31.1	16.1
2026-02-10	0	35.8	24.7
2026-02-11	3.9	35.4	11.5
2026-02-12	0	20.4	9.8
2026-02-13	0	24.8	14.8
2026-02-14	0	29	19.5
2026-02-15	0	33.7	22.6
2026-02-16	0	34.3	25.5
2026-02-17	0.7	27.3	12.7
2026-02-18	0	22.6	11.5
2026-02-19	0	28.7	17.7
2026-02-20	0	34.2	17.8
2026-02-21	0.4	33.4	22.8
2026-02-22	2.4	26	12.7
2026-02-23	0	25.1	16.7
2026-02-24	0	30.3	15
2026-02-25	0	27.4	16.8
2026-02-26	0	29.8	21.6
2026-02-27	13.2	33.2	20.7
2026-02-28	33.4	23	19.8

SEAL

Determination sealed.

Canonical JSON, SHA-256 per determination. Same discipline as every other Galiark pack. Same shape a regulator or carrier can independently re-hash.

policy_id: gsr-2026-southaus-heatwave-01
as_of: 2026-07-08T22:13:59.220Z
record_sha256: 2f2d880b081e16fc229f53d66ee4bf7e659e930f1dad6a44d6c42254d1ff4627
policy_sha256: f5f1846918d4b0bf9609cd448d014ab2d982e7eebd5e183814cba0c02add0113
observations_sha256: 4a5f3d9db54376acfd714d151d68d432f39113727cddb67e42505fb9867b74e5
fired: true
payout: US$320,000.00
canonical_bytes: 4623

The full sealed audit trail (three determinations) is on /audit.