⚡ Payout Simulation
Real math · Hyperlocal zones · Risk Pool ÷ Affected Riders = Dynamic payout · Savings Pool → cashback at month end
🌧️ Heavy Rain
🌡️ Extreme Heat
🌊 Flood Alert
📍 Hyperlocal Zone Map – Chennai
IMD Live
Clear – Safe
Caution
Unsafe – Payout
🛰️ IMD Live Data
● Live
Rainfall
2 mm/hr
Temperature
31°C
Wind Speed
14 km/h
Flood Index
Low
AQI
88 – Good
📡 India Meteorological Department
Polled every 15 min · Per-pincode resolution
💰 Pool Math (Live)
Total Riders
100
Weekly Premium each
₹50
🛡️ Risk Pool (60%)
₹3,000
🤝 Community Fund (20%)
₹1,000
💰 Savings Pool (20%)
₹1,000
🚨 Affected Riders
—
✅ Clear Riders
—
⚡ Payout / Rider
—
Select a scenario and trigger to see the live calculation.
🎁 Cashback / clear rider
₹10 at month end
👥 100 Riders – Live StatusWaiting
Idle
Safe – no payout
Affected – auto payout
Zone-wise breakdown
🔄 Auto-Process Flow
📡
IMD Hyperlocal Data Received
Pulling weather for all 9 Chennai zones...
🧠
AI Workability Score Calculated
Analysing rain, temp, wind and flood risk per zone...
🗺️
Score Drops – Unsafe Zones Flagged
Zones below score 30 marked red on map...
🔍
3 Fraud Prevention Checks
Running automated fraud detection on all affected riders...
🧮
Dynamic Payout Calculated
Risk Pool ÷ Affected Riders = per-rider amount...
💸
Released from Risk Pool
Deducting from pool and sending simultaneously...
✅
Money Credited!
Amount credited. WhatsApp alert sent to all riders.
🎉 Auto-Payouts Complete!
₹—
per affected rider · auto-credited
—
Their Savings Pool share (₹10/rider) is preserved and returned as cashback at month end. Zero premium wasted.