DIVA Technologies AG, in collaboration with [Fortune Connect](https://fortuneconnectltd.com/) and 
[Shamba Network](https://shamba.network/), is excited to announce the launch of [DIVA Donate](http://divadonate.xyz/), the first 
platform designed to facilitate conditional donations using blockchain technology, more precisely [DIVA Protocol](https://www.divaprotocol.io/), a versatile blockchain-based operating system for derivative products. 
Learn more about it in one of our last [posts](https://www.divaprotocol.io/posts/diva-conditional-donations).

In this article, we will share all the information you need to know about our first campaign, how 
you can participate and the rewards available to those who join us in our mission to create a 
positive impact on the world.

## About the first campaign

The first campaign is focused on providing financial assistance to pastoralists in Kenya, a region that faces regular droughts caused by climate change and extreme weather events, 
resulting in reduced agricultural production, destroyed crops and extreme livestock losses.

The goal of the campaign is to raise $15’000 to provide 100 pastoralists with financial support 
of up to $150 per pastoralist, equivalent to the value of one livestock, in the event of a drought. 
The area of focus is illustrated below.


 <img src="/images/posts/pilot_campaign_map.png" />


**The DIVA Protocol founding team is leading the way by seeding the campaign with $5’000 and will 
match any donation of at least $150, up to a total of $5’000.**

The initiation of the conditional donation product can be verified on the [blockchain](https://polygonscan.com/tx/0x4364d0f2d0bac0d8dba38c5e95a0c472ffaa7c0395718faec4627f9120cb7ecb).


## What is the trigger metric?

The [Normalized Difference Vegetation Index](https://en.wikipedia.org/wiki/Normalized_difference_vegetation_index) (NDVI) is a commonly used metric to assess drought 
conditions in an area by measuring vegetation density and health. It is calculated from 
satellite images based on the near-infrared and red light reflectance of an area. Its 
value ranges from -1 to 1, with higher values indicating healthier vegetation and lower 
values indicating drought stress.

For this campaign, the average NDVI observed between 1st March and 31th May 2023 will be 
used as the trigger metric and reported by the Shamba oracle on 11th June to ensure full data coverage of the 
observation period. The NDVI will be shifted by 1 for technical reasons.

Donations will become available when the chosen metric falls below a value of 1.23 and the 
percentage of unlocked funds will increase linearly until it reaches 100% when the value 
drops to 1.20 or lower. This range represents the 20th to 40th percentile, respectively, 
based on historical data, and is much more generous than other comparable insurance products that use a 
binary trigger point set at the 5th percentile.

The donation profile of the first campaign is illustrated below:


 <img src="/images/posts/Donationprofile.png" />


## Who will receive the donation?

While our ultimate goal is to enable beneficiaries like pastoralists to directly receive 
their tokenized contingent claims and any unlocked donations through their mobile wallets without 
relying on intermediaries, we recognize that we are still early and many are not yet familiar
 with managing blockchain assets. 

Therefore, Fortune Connect will serve as the local intermediary and recipient of donations
on behalf of the pastoralists. Any unlocked donations will be converted from USDT stablecoin
into the local fiat currency, Kenyan Shillings, and distributed to eligible pastoralists 
through the local mPesa mobile payment system without them needing to do anything.

## How to participate?

Participating in the campaign is simple if you have a browser wallet with USDT on Polygon. 
Just visit the [pilot campaign page](https://divadonate.xyz/campaign), enter the amount you wish to donate, press the "Donate" 
button, and confirm the transaction in your browser wallet. Note that you may be asked to 
"Approve" the transfer first in order to grant DIVA Protocol the permission to move the 
donation asset on your behalf. For a step-by-step guide, you can also check out our
[video tutorial 📹](https://www.youtube.com/watch?v=KEqURXve5CE&t=4s).

For those new to crypto, there is a one-time setup process to go through to [set up a wallet ](https://wiki.polygon.technology/docs/develop/metamask/hello/)
and [convert](https://www.coinbase.com/) your local currency into crypto assets. Refer to our [FAQs](https://divadonate.xyz/faq) for more guidance. 
If you need support, head over to the diva-donate channel in our [Discord](https://discord.gg/8fAvUspmv3) and ask your questions.

**Donations will be accepted until 13th April or until the $15’000 goal is met.**

## What’s in for you?

As a donor, you will receive a unique digital certificate in the form of an NFT to commemorate 
your contribution and showcase your social responsibility to others. The POAP will come in two 
different designs: one with a golden ring for those who donate $150 or more and one with a 
silver ring for those who donate less.


 <img src="/images/posts/POAP_ConditionalDonation1_Gold.png" style={{ width: '45%', height: 'auto', display: 'inline-block', padding: '20px' }}/>
 <img src="/images/posts/POAP_ConditionalDonation1_Silver.png" style={{ width: '45%', height: 'auto', display: 'inline-block', padding: '20px' }}/>


Note that POAPs will be distributed **after** the campaign is closed for donations, that is as soon as the fundraising goal of $15'000 is reached or latest after 13th April.

In addition, donors that donate at least $15 will receive a claim on 3 DIVA Tokens for every $1 donated, which will 
allow them to be among the first to participate in the DIVA governance once the system goes 
live on the Ethereum mainnet in April.

Learn more about the role of the DIVA Token [here](https://www.divaprotocol.io/posts/diva-tokenomics).

## Join us
Join the DIVA Donate movement to make a positive impact on the world. If you have ideas for 
campaigns or can contribute meaningfully to fundraising or development, reach out to the [team](mailto:wladimir.weinbender@divadonate.xyz).

## About DIVA Technologies AG

DIVA Technologies AG is a Swiss based software consulting firm that consults traditional businesses as 
well as DAOs in Web3 related topics. The company was founded in 2022 by Wladimir Weinbender, 
Co-Founder of DIVA Protocol, a smart contract-based operating system for derivative products.

## About Fortune Connect

Fortune Connect is a digital financial inclusion hub enabling farmers to access market information, technical knowledge, financial literacy, and financial 
access tools for credit and insurance in Kenya. Fortune Connect Innovation was started in 2021 and incubated by Fortune Credit before rolling out to several 
places in rural Kenya.

## About Shamba Network

Shamba Network powers an oracle that enables the collection, analytics and use of ecological data on-chain. It provides the web3 ecosystem with 
infrastructure that allows insight into the physical world, enabling things like ecological impact to be monitored. Through the Shamba oracle, 
smart contracts can get updated on what is happening on the ground and use this data to trigger a wide variety of actions. 

## Risk disclaimer

The use of any smart contract-based system comes with the risk of unexpected bugs that may result in the loss of funds. 
To mitigate that risk for this pilot campaign, a permissioned and upgradeable version of the DIVA smart contract is being used until
the audit of the contracts is completed.

Launching DIVA Donate - A conditional donation platform powered by blockchain technology

DIVA Protocol will soon be released on mainnet, providing opportunities for entrepreneurs and businesses to build a wide
range of derivative applications on top of it. From DeFi hack insurance to exotic structured products and even derivatives 
based on football player transfer values, the possibilities are endless.

The DIVA token is a key component of the [DIVA governance system](https://www.divaprotocol.io/posts/diva-tokenomics) and functions as a voting token. Holders can use it to steer 
the protocol’s direction by electing a delegate. The first delegate elected by the founding team will be DIVA Technologies AG, 
a Swiss-based company founded by one of the protocol’s co-founders, [Wladimir Weinbender](https://www.linkedin.com/in/wladimir-weinbender-00450a59/).

As a community-driven project, we want to give our supporters multiple options to participate in our journey from the very start.
Recognizing that traditional investors may not feel comfortable with holding governance tokens, we're partnering with [Arcton](https://arcton.com/) 
to offer a regulated security token that represents ownership of DIVA Technologies AG and entitlements to its profits and revenue. 
For the avoidance of doubt, the security offering would not replace the token but serves as an alternative way to gain exposure to DIVA Protocol from the start.

## What is DIVA Technologies AG’s business model?

DIVA Technologies AG will serve as a service provider for DIVA Token holders and focus on driving protocol adoption according to the 
protocol’s adoption strategy. This consists of three major components:
* **Growing the developer community:** This encompasses all efforts to reduce the barriers for developers to get started with DIVA Protocol, 
such as comprehensive documentation, advanced tools and responsive support, as well as to draw developer attention through events such as hackathons.
* **Foster integrations:** This includes integrating with existing decentralized oracle and trading solutions to provide users with all the 
necessary components to construct complete derivative product offerings.
* **Growing use cases:** This involves collaborating with traditional financial institutions and FinTech startups to develop practical use 
cases like structured products and [conditional donations](https://www.divaprotocol.io/posts/diva-conditional-donations).

In exchange for their services, DIVA Technologies AG will be given access to protocol fees and annual DIVA token unlocks. The adoption 
strategy including priorities is illustrated below:


 <img src="/images/posts/adoption_strategy.png" />


DIVA Protocol is the company's first major client. In the long run, however, it aims to expand its consulting services to other Web3 protocols,
provide financing for DIVA-based ventures as well as legal support.

## How is the security token structured?

The security token offered by DIVA Technologies AG is structured as digital shares, issued on the [Arcton](https://arcton.com/) crowdinvesting platform in accordance with
the Swiss DLT Act. As a shareholder, investors are entitled to receive future dividends from the company. Investments can be made using either 
USDC or fiat currency, and the shares are immediately tradeable on decentralized exchanges such as Uniswap, alongside the DIVA token.

To issue these shares, the company uses a Special Purpose Vehicle (SPV) structure, commonly used by other crowdfunding platforms to pool investors 
and simplify the process while maintaining a clear capitalization table. This allows DIVA Technologies AG to offer a security token to a large number
of investors, providing them with a unique investment opportunity while ensuring an efficient and streamlined process. The issuance process is outlined in the following illustration:


 <img src="/images/posts/security_structure.png" />


## Conclusion

DIVA Protocol presents a unique opportunity for investors to gain exposure to the Decentralized Finance sector through either a governance token 
or a regulated security offering. The DIVA founding team invites the community to share their feedback on this approach and any concerns they may 
have about investing in DIVA Technologies AG’s security token. The top 10 most insightful and honest responses will be rewarded with 300 DIVA tokens
each. Feedback can be sent to [Wladimir Weinbender](mailto:wladimir.weinbender@divatech.ch). Your input is greatly appreciated.

## Links

- 🖼️ Slide deck: shorturl.at/aDNOR 
- 🌐 Website: https://www.divaprotocol.io/
- 📚 Docs: https://docs.divaprotocol.io/
- 📖 Smart contract documentation: shorturl.at/aemNU
- 🍏 DIVA Testnet App: https://app.diva.finance/
- 🦜 Twitter: https://twitter.com/divaprotocol_io 
- 🤖 Discord: https://discord.gg/8fAvUspmv3

Seeking community feedback on security token offering for DIVA Technologies AG


The DIVA Protocol smart contract is almost ready for launch! After more than 2.5 years of development and dedication, we are excited to bring the first truly universal 
and flexible smart contract based operating system for derivative applications to market. With DIVA Protocol, developers can build a wide range of derivative applications, 
including insurance, structured products, prediction markets, conditional donations, and swaps, all in a permissionless and trustless way. One of the unique features is 
the possibility to impose transfer restrictions on derivative assets, which makes it particularly well-suited for traditional financial institutions that must comply with KYC and AML regulations.

Our vision is to transform a $500+ trillion derivatives industry with a secure, transparent, and decentralized infrastructure layer that enables anyone to create and 
settle derivatives peer-to-peer. We are offering a unique opportunity to join us on our journey as an official launch partner by sponsoring a portion of the smart contract 
audit costs (estimated at $100’000). As a launch partner, you will receive recognition on our website and social media channels, as well as a claim on 300 DIVA tokens for 
every $100 sponsored which will give you an opportunity to play an active role in shaping the future direction of DIVA Protocol. 

Read on to learn what a smart contract audit is and find out how you can become a launch partner.

## What is a smart contract?

To understand the purpose of a smart contract audit, it is important to first understand what a smart contract is. A smart contract is a software that runs on a 
decentralized network of computers, such as Ethereum. Once deployed, its code is replicated on thousands of machines across the globe and cannot be stopped, 
altered or changed, ensuring that it will remain accessible and functional for generations to come. 

As many smart contracts (including DIVA Protocol) implement sensitive logic related to holding and transferring digital assets, it is crucial that they are 
thoroughly tested and free from errors or vulnerabilities. That’s where the smart contract audit comes in.

## What is a smart contract audit?

A smart contract audit is a crucial part of the development process that ensures the security and reliability of the contract. It involves a thorough 
review of the code by a team of experienced blockchain developers and security experts, with the goal of identifying any vulnerabilities or weaknesses 
that could potentially compromise the security or functionality of the contract. This process requires specialized knowledge and expertise, and it can be complex and time-consuming. 

The estimated cost of the DIVA smart contract audit, as determined by [Sherlock](https://www.sherlock.xyz/), is $100,000. The completion of the audit marks a major milestone in the life cycle of the DIVA 
Protocol and offers a great opportunity to invite interested parties to participate in that historical moment by sponsoring a portion of the audit costs.

## What is the goal of the launch partner program?

The DIVA Protocol launch partner program serves two goals: i) it gives institutions and individuals an opportunity to publicly signal their support for decentralized 
finance technologies and ii) it helps build a diverse and decentralized community of token holders, which is essential for the success of any 
decentralized project, including DIVA Protocol.

We believe that the launch partner program is an excellent way to foster a strong and engaged community of advocates for decentralized technologies.

## What are the benefits of becoming a launch partner?

As a launch partner, you will receive public recognition on our website and our social media channels, giving you exposure to our 5.8k [Twitter](https://twitter.com/divaprotocol_io) 
followers and 33k [Discord](https://discord.gg/DE5b8ZeJjK) members. Plus, for every $100 you contribute, you will receive a claim on 300 DIVA tokens, allowing you to be among the 
first to participate in the DIVA governance once the system goes live on Ethereum mainnet (expected in March 2023, shortly after completion of the 
smart contract audit). Learn more about the role of the DIVA token [here](https://www.divaprotocol.io/posts/diva-tokenomics).

Please note that launch partners will be subject to the same DIVA token vesting terms as the Genesis team and early backers. That is, 40% of the 
allocated DIVA tokens will be unlocked at the token generation event and 60% will vest linearly over a period of 2 years. 

## How to become a launch partner?

If you are interested in becoming an official launch partner of DIVA Protocol, please reach out to Wladimir Weinbender by Email or LinkedIn who will be happy 
to answer any questions and provide more information on how to contribute in fiat currency (CHF, EUR or USD): 
- Email: wladimir.weinbender@divatech.ch
- LinkedIn: https://www.linkedin.com/in/wladimir-weinbender-00450a59/

You can also contribute by sending ERC20 tokens or ETH to the following Ethereum address: 0x962bd69AfFC9b89E8D4A08C6f242D31441375188

Just make sure to get in touch with us so we can properly acknowledge and thank you for your support!

## Conclusion

DIVA Protocol is set to redefine the way how derivative contracts are created and settled. The launch partner program gives institutions and individuals a unique opportunity 
to publicly signal their support for the development of decentralized finance technologies in exchange for DIVA governance rights. Join us on our journey to transform the derivatives industry.

## Links

- 🖼️ Slide deck: https://shorturl.at/FHJR2 
- 🌐 Website: https://www.divaprotocol.io/
- 📚 Docs: https://docs.divaprotocol.io/
- 🍏 DIVA Testnet App: https://app.diva.finance/
- 🦜 Twitter: https://twitter.com/divaprotocol_io 
- 🤖 Discord: https://discord.gg/8fAvUspmv3

Join the launch of the revolutionary DIVA Protocol as an official partner

Back in [July](https://www.divaprotocol.io/posts/diva-how-diva-protocol-can-help-unlock-affordable-insurance-for-farmers), we shared an idea of how DIVA Protocol can be used to 
create event-driven conditional donation products that financially assist farmers in adverse moments such as crop or livestock loss caused by natural disasters such as drought and floods. 

Today, we are thrilled to announce that we partnered up with Fortune Connect, a financial inclusion hub for farmers in Kenya, 
and Shamba Network, a web3 project providing ecological data to smart contracts, to launch a conditional donation pilot campaign powered by DIVA Protocol. 

Before we dive into the campaign details, let’s briefly revisit what conditional donations are, how they compare to direct donations and how smart 
contract technology, and DIVA Protocol in particular, can help to implement them in a transparent and cost effective way.

## What are conditional donations?

Conditional donations differ from direct donations in that they come with certain conditions attached. These conditions specify under which 
circumstances funds will be released to the recipient. For example, a donation may be conditioned on the rain amount over a certain period of 
time in a given area. If it falls below a predefined level that is associated with drought, the donation will be triggered to financially 
support the people affected. If it stays above that level, no donation will be triggered.

## What are the benefits compared to direct donations?

Conditional donations can provide a number of benefits compared to direct donations:
* **Greater control:** Because the terms of the donation are specified upfront, donors can ensure that their funds are used in a way that 
aligns with their values and priorities. This can be particularly useful for donors who want to support specific causes or who have specific 
goals in mind for their donation.
* **Based on need:** Conditional donations are only released if recipient’s are in actual need. This can help to ensure that the funds are 
used in the most effective way possible and can help to maximize the positive impact of the donation.
* **Greater impact:** Unused funds can be redeployed into new conditional donation campaigns, thereby maximizing the impact and reach of the donation. 
* **Verifiable:** The underlying trigger events are publicly verifiable and the release of the donation is detached from any potential external bias.

## What are the benefits of using smart contract technology to implement conditional donations?

Blockchain-based smart contract technology can provide a number of benefits for implementing conditional donations: 
* **Transparency:** Donation flows are transparent and auditable on the blockchain.
* **Trustless:** Funds are being held in a programmatic escrow rather than by a central party eliminating the risk of misuse and fraud.
* **Efficient:** Programmatically enforced rules remove the need for manual processes which allows a quicker release of funds.
* **Frictionless:** Money can come from across the globe to assist farmers.

## Why DIVA Protocol?

DIVA Protocol is a smart contract that acts as an operating system for derivative applications. More precisely, it allows its users to create 
and settle derivative products in a permissionless and trustless way. As conditional donations derive their payout based on the outcome of an 
underlying event, they are considered derivative products and can be implemented using DIVA Protocol.

## How it works?

The process of a conditional donation is illustrated below:


 <img src="/images/posts/diva-donate-how-it-works.png" />



The DIVA smart contract manages the full conditional donation cycle in a trustless and predictable manner. In particular, it allows donors to 
deposit funds (e.g., in the form of stablecoins such as USDT or other digital assets) and issue tokenized contingent claims to beneficiaries (1), 
data providers to report event outcomes (2) and beneficiaries to claim their share in the donation after the outcome has been reported and the 
payout has been determined by the DIVA smart contract (3). Any unused funds can be claimed by the donor and redeployed into a new conditional donation campaign (4).

## About the campaign

The goal of the pilot campaign is to provide farmers that are located in the Horn of Africa region financial support in case of a drought. 

The region, which is stretching from southern Ethiopia to northern Kenya and Somalia, is experiencing regular droughts caused by climate change 
and extreme weather events which results in curtailed agricultural production, destroyed crops and extreme livestock losses. Massive livestock deaths 
disrupt the flow of income and food sources for the local farmers (so-called “pastoralists”) and their families.

The goal of the campaign is to raise $15’000 to provide 100 pastoralists ($150 each) with financial support in case of a drought. The support 
is equivalent to the value of one livestock per pastoralist.

## What is the trigger metric?

The average [NDVI](https://en.wikipedia.org/wiki/Normalized_difference_vegetation_index), or Normalized Difference Vegetation Index, observed in the period 
1 Feb - 30 April 2023 (dates subject to change) will serve as the trigger metric. 
The NDVI measures the density and health of vegetation in a given region and is often used as an indicator for drought. It is calculated by taking the difference 
between the near-infrared and red light reflectance of an area, and then dividing by the sum of the two. Higher NDVI values indicate a greater density of healthy 
vegetation, while lower values indicate that the plants in an area are experiencing drought stress.

The NDVI data can be collected by satellite imagery, aerial photography, and ground-based sensors. For the pilot program, Shamba Network, a web3 project focused 
on the provision of ecological data to smart contracts, will sponsor the outcome reporting. Shamba Network taps into remote sensing data from satellites operated by 
NASA, ESA and other space agencies to provide an updated picture of environmental conditions across the globe. 

## What are the donation scenarios?
The donation release profile is described by the chart below. Note that the chosen NDVI values are for presentation purposes only and may change for the actual product.


 <img src="/images/posts/diva-donate-payoff-profile.png" />


The given payoff profile results in the following donation scenarios:
- **$15’000** - if NDVI is smaller than or equal to 0.50
- **$12’000** - if NDVI is 0.55
- **$7’500** - if NDVI is 0.625
- **$0** - if NDVI is larger than or equal to 0.75

The donations can be claimed from the DIVA smart contract after the NDVI has been reported. Any unused funds can be re-claimed by the donor and re-deployed into new campaigns.

## DIVA Donate
The campaign will be released on DIVA Donate, a platform that is being developed by DIVA Technologies AG, to offer donors and donation recipients a seamless experience. 
Some sneak peeks of the website are provided below.


 <img src="/images/posts/diva-donate-1.png" />



 <img src="/images/posts/diva-donate-2.png" />


## Get in touch
If you want to donate, are interested in launching your own conditional donation campaign or discuss other derivative use cases (e.g. using CO2 emissions or air 
quality as underlying metrics), please get in touch.

## About DIVA Technologies AG

DIVA Technologies AG is a Swiss based software consulting firm that consults traditional businesses as well as DAOs in Web3 development. The company was founded 
in 2022 by Wladimir Weinbender, Co-Founder of DIVA Protocol, a smart contract that acts as an operating system for a wide range of derivative applications 
including insurance, predictions, structured products, credit default swaps, etc.

## About Fortune Connect

Fortune Connect is a digital financial inclusion hub enabling farmers to access market information, technical knowledge, financial literacy, and financial 
access tools for credit and insurance in Kenya. Fortune Connect Innovation was started in 2021 and incubated by Fortune Credit before rolling out to several 
places in rural Kenya.

## About Shamba Network

Shamba Network powers an oracle that enables the collection, analytics and use of ecological data on-chain. It provides the web3 ecosystem with 
infrastructure that allows insight into the physical world, enabling things like ecological impact to be monitored. Through the Shamba oracle, 
smart contracts can get updated on what is happening on the ground and use this data to trigger a wide variety of actions.

Event-driven conditional donations - A pilot program by DIVA Technologies AG, Fortune Connect and Shamba Network

As we approach the launch of our mainnet in early 2023, we are excited to unveil the final details of the DIVA tokenomics. We believe that the DIVA token design offers a 
novel solution for token-based governance that addresses the common problems that plague other tokens. This includes slow processes and execution, low participation in 
governance as well as a lack of flexibility in the tokenomics to accommodate the changing needs of the protocol over time.

Most of those weaknesses result from enforcing decentralization too early, before product market fit is found. Decentralization is a process that takes time. Our goal 
is to strike a balance between maintaining flexibility and control in the early stages of the protocol while still working towards full decentralization.

We have designed an innovative decentralized delegation mechanism that allows for fast execution without sacrificing decentralization, giving DIVA token holders the ability 
to efficiently and effectively participate in governance. 

## Decentralized delegation

The DIVA token’s main functionality is delegation via staking. DIVA token holders delegate the decision-making to a central party, also referred to as the protocol owner, 
by staking DIVA tokens towards their account. The protocol owner is responsible for driving adoption and value creation initiatives on behalf of DIVA token holders, 
including growing the developer community, increasing the number of applications built on top of the protocol, and expanding oracle integrations.

Most importantly, the protocol owner is expected to work towards the ultimate goal of transferring protocol ownership to DIVA token holders as the protocol matures. 
In return, the protocol owner is given exclusive access to protocol fees and DIVA token issuance to fund those initiatives.

Despite the centralized element, the power remains in the hands of the DIVA token holders. At any point in time, DIVA token holders can vote to replace the current 
protocol owner by directing their stake towards a new candidate. If a candidate receives more support than the current owner (as measured by staked amount), 
a 30-day showdown period can be triggered by the corresponding candidate. At the end of this period, a snapshot of the candidates’ stakes is taken, and the candidate 
with the most support can assume protocol ownership and with that gain access to future protocol fees and DIVA token issuance. This process is referred to as a 
decentralized protocol takeover (DPT) mechanism and its technical implementation on a smart contract level depicted below:


 <img src="/images/posts/dpt-mechanism.png" />


Initially, the Genesis team will hand over protocol ownership to DIVA Technologies AG, a company founded by one of the co-founders and incorporated in Switzerland.

## Benefits

The decentralized delegation mechanism has a number of benefits that make it an attractive solution for token-based governance. These benefits include:
* **Fast execution:** Delegation provides flexibility and fast execution, which is especially important in the early stages of a protocol’s lifetime. 
* **Minimal governance:** With the DIVA token, holders can simply stake for their favorite candidate and then let the protocol owner do the work, 
without needing to constantly monitor and participate in governance processes. Token based polls can still be conducted by the protocol owner to get the community‘s input on specific topics.
* **Decentralized:** The decentralized protocol takeover mechanism allows for a centralized element, while still keeping any delegate in check and ensuring decentralization.
* **Flexible tokenomics:** The token utility can be extended by the protocol owner over time, allowing for a level of flexibility that can accommodate the changing 
needs of the protocol. Eventually, the protocol owner can be set to a smart contract address that operates based on a set of predefined and predictable rules.

## Protocol fee

To ensure the long-term success and sustainability of the DIVA Protocol project, a small protocol fee of 0.25% will be charged at redemption. 
The fee can be updated by the protocol owner within a hard-coded range of 0-2.5%.

## Token supply

With a maximum of 100 million DIVA tokens in existence, c. 20% will be unlocked at mainnet launch in Q1 2023 and another 15-20% in the following 
two years due to vesting. The remaining tokens will be gradually unlocked at a rate of 2% per year, subject to the supply cap, to fund the continued development 
of the protocol. This source of funding will be particularly important in the early phase of the protocol where protocol fees may be insufficient.

The token unlock schedule is illustrated below. Note that the figures are still indicative due to on-going fundraising and upcoming second testnet phase. 
Final numbers will be confirmed and published closer towards mainnet launch.


 <img src="/images/posts/diva-token-release-schedule.png" />


## Conclusion
To summarize, the DIVA token design introduces a novel token-based governance mechanism that allows for a centralized element without giving up the power of DIVA token holders. 
This allows fast execution in the early phase of the protocol, efficient and effective governance participation and a clear path towards full decentralization as the protocol matures.

To give everyone a chance to take part in the DIVA protocol governance and help shape the future of the project, we are planning to conduct a DIVA token sale shortly 
after mainnet launch. Stay tuned for further updates on this.


## Links

- 🌐 Website: https://www.divaprotocol.io/
- 📚 Docs: https://docs.divaprotocol.io/
- 🍏 DIVA Testnet App: https://app.diva.finance/
- 🦜 Twitter: https://twitter.com/divaprotocol_io 
- 🤖 Discord: https://discord.gg/8fAvUspmv3

DIVA Tokenomics


On 30th September, the first phase of DIVA's [incentivized testnet](#https://www.divaprotocol.io/posts/diva-testnet-announcement) has ended. The goal of the testnet was to invite users to explore the
functionality of the [DIVA App](#https://app.diva.finance/), collect valueable feedback to further improve the app ahead of
the mainnet launch beginning of next year and reward participants with a claim on the future DIVA token.

The participation was overwhelming and has exceeded all our expectations. We want to say a big **THANK YOU** to everyone
who participated in our testnet. The huge participation was a real stress test for our app and helped us to iron
out some bugs that we wouldn't have spotted otherwise.

Here some key testnet statistics to highlight:

- Total contingent pools created: **170'000**
- Unique addresses participated: **26'100**
- Number accounts that completed all tasks: **13'800**
- Total points collected: **79.5m**
- Discord users: **33'000** (vs. 800 before the testnet)

## DIVA token reward
The most important metric that testnet participants are eagerly waiting for is the DIVA token reward that they receive for their participation. 
It took us a bit of time to finalize the numbers as the community requested an [additional verification step](https://www.divaprotocol.io/posts/diva-verification-announcement)
to filter out multi-accounts. Roughly 1'000 alt accounts and their corresponding main accounts (3.7m or 4.7% of total points) have been filtered out during that process.

The DIVA token rewards for registered users that passed the verification, hold an [888Whales NFT](https://opensea.io/collection/888whales) or are among the quiz winners are as follows:

- **4.4** DIVA tokens per completed task (200 points)
- **100** DIVA tokens for full completion (4500 points)
- **200 DIVA tokens** for full completion and ownership of an [888Whale NFT](https://opensea.io/collection/888whales) (9000 points)

Despite sufficient heads-up and a three day verification window, more than 11k registered users (c. 25m or 31.4% of total points) missed the verification process. As users have spent a 
significant amount of time to complete the testnet tasks (90% of users spent more than 30 minutes), we decided to also reward non-verified users with a reduced reward:  

- **1.8** DIVA tokens per completed task (200 points)
- **40** DIVA tokens for full completion (4500 points)

It's important to highlight that those rewards come on top of the initially planned reward pool size of 1m DIVA tokens and do not dilute verified users. Overall, a total of 1.37m DIVA tokens have been allocated to more 
than 25'100 users. That is 37% more than originally planned.

You can check your reward on our [new website](https://www.divaprotocol.io/rewards) 👀.

If you are not eligible, don't be disappointed as we will give you additional opportunities to get your hands on the DIVA token.

**Note:** Until token launch, we reserve the right to blacklist verified multi-accounts if we are presented credible evidence.

## Wen token?
The DIVA token reward can be claimed at the token generation event which is planned to coincide with the mainnet launch of the DIVA Protocol in Q1 2023. As a DIVA token holder you will 
have a say in the future direction of the protocol. In particular, you will be able to vote on protocol parameters such as fees as well as how to spend the DIVA treasury funds. 
There will be a maximum of 100m tokens with the majority being distributed over time (post mainnet) to those that help grow the ecosystem around DIVA Protocol. Read more about the DIVA tokenomics 
[here](https://docs.divaprotocol.io/introduction/what-is-diva-token).

## What's next
Our main focus right now is getting the smart contracts ready for the second and final audit in January with [Sherlock](https://www.sherlock.xyz/) and prepare everything for the second testnet round. 
The goal of the second testnet round is to test additional features and integrations that we have been developing over the last couple of months, in particular, the Create Offer flow
as well as the [Tellor oracle protocol](https://tellor.io/) integration. We will announce more details as soon as things are ready.

After a short break, we will also restart the [quiz sessions](https://www.divaprotocol.io/posts/diva-incentivized-diva-quiz) to give community members an additional opportunity to earn DIVA tokens. 
Remember that answering a quiz question correctly will earn you 100 DIVA tokens, same as completing all testnet tasks. However, you need to be fast and the completion of all testnet tasks is a requirement
to be eligible for the reward. Some of the upcoming questions will help you prepare for the second testnet round. 
Playing around with the Create Offer flow in the DIVA App may give you an edge ;-) 

Further, note that the [testnet tasks](https://app.diva.finance/tasks) will remain available in the DIVA App as eligibility for future reward rounds (incl. quiz and second testnet round)
will require full completion of all testnet tasks. As we have migrated the app to the latest version of the DIVA Protocol smart contracts, you may not see your completion status. Rest assured that
your progress is saved on our side and we will display it in the app as soon as possible.

## Bootstrapping the DIVA ecosystem
Our goal is to establish DIVA Protocol as the engine that powers a wide range of derivative applications including prediction/betting markets, insurance platforms, structured products as well 
as event-driven conditional donations. [DIVA App](https://app.diva.finance/markets/0xBb0F479895915F80f6fEb5BABcb0Ad39a0D7eF4E) was just the beginning. To bootstrap the ecosystem, we 
have started to design and implement new applications on top of DIVA Protocol to give web2 developers inspiration and ideas what is possible. Stay tuned for more updates on that front. 

## Join us

DIVA Protocol enables the peer-to-peer creation of derivative products and with that unlock use cases that haven't been possible before. If you are interested in what we are building, join us on
[Discord](https://discord.com/invite/DE5b8ZeJjK) and [Twitter](https://twitter.com/divaprotocol_io) and check out the following links:

- 🚀 Website: https://www.divaprotocol.io/
- 📚 Docs: https://docs.divaprotocol.io/
- 🍏 DIVA Testnet App: https://app.diva.finance/


DIVA Testnet - Mission one completed


The first phase of the testnet has ended and we understand that testnet participants are eagerly waiting for the announcement of the DIVA token rewards. 
However, before we announce the final allocations, we first want to address the community's concern that some users might have participated with multiple accounts to increase their allocation,
thereby violating the rules outlined in our original [testnet announcement](#https://www.divaprotocol.io/posts/diva-testnet-announcement) and diluting the rewards of single-account users.  

There is evidence that the concern is justified. Some users have openly stated in our discord that they have participated with multiple accounts. Some tutorial videos produced by 
independent users were encouraging viewers to participate with multiple accounts. An initial analysis of the testnet data on our side also confirms that some users 
participated with multiple accounts. 

We see it as our duty to investigate those issues and take the necessary steps to ensure a fair and equitable reward distribution. As a result, we are going to conduct 
an **additional verification round** for testnet participants. Details about the verification procedure will be disclosed at the start of the verification period.  

Details that we can already share:
* Start date: **Friday, 14 October, 9pm CET**
* The verification will be open for **3 days**. Tell all your friends that participated in the DIVA testnet to verify their discord accounts.
* Only users that participated in the testnet will be required to verify their discord account.
* Testnet participants that own an 888Whale DO NOT need to verify their accounts.
* Users that are identified using multiple accounts during the verification process will not receive any reward. If you have used multiple accounts, make sure 
you **verify only one account** to not risk losing your reward.
* The verification process will be simple and efficient and will not involve sharing any private information.

The DIVA token reward will be announced following the verification process. We thank you for your patience.

If you have any concerns about the planned verification process, please let us know in our [discord](#https://discord.gg/8fAvUspmv3).



Testnet user verification

We are excited to share the latest developments around DIVA Protocol, the DIVA App, the on-going testnet and all on-going initiatives with our community. We keep the intro short as there is a lot to cover.

## App
Over the last couple of weeks, we have released the following new features in the app:
* **Card view:** Users can now switch between Line view and Card view on the Markets page. The Card view was primarily designed to have a mobile-friendly way to display the products and their details on the Markets page.

 <img src="/images/posts/card_view.png" />

* **Trade chart:** In preparation for the re-design of the trading page, we have upgraded the payoff chart design, moved it more prominently into the middle of
the page and consolidated a lot of information that was previously spread across the page. For instance, the current underlying value, the break-even as 
well as parameters governing the shape of the payoff profile (floor, inflection, cap and gradient) are now baked into the chart.

 <img src="/images/posts/trade_chart.png" />

The following screenshot gives you preview of the new trade page design that we are working towards.

 <img src="/images/posts/new_trade_page.png" />

* **Filters (release imminent):** We have re-visited the functionality and updated the design of the filters on the Markets and My Dashboard page.

 <img src="/images/posts/filter.png" />

* **Mobile responsiveness:** We have made the Create flow as well as the Testnet tasks page more mobile-friendly. We are working on making the remaining parts of the app responsive. 

**In progress:**
* **Create Offer flow:** We are adding an option for users to create derivative products in a more gas efficient and flexible way. Users will no longer have to create derivative products on-chain
and take on the risk of not finding a counterparty. Instead, users will be able to create signed off-chain commitments to take either the long or short side of the derivative contract at very specific terms and share them 
with potential counterparties via various off-chain communication channels (e.g., email or chat). The derivative products are created only once a counterparty is found. 
Further, the Create Offer functionality will also remove the need for the creator to deposit the full collateral amount. Instead, a user can specify in the offer terms how much collateral each party has to contribute. With that,
the sale of the long or short side, which in the current setup has to be conducted after a contingent pool has been created, would become part of the product creation process. The testing of the Create Offer flow will be part 
of the second testnet phase. 
* **Show best bid/ask on Markets page:** An efficient way to display the best bid/ask rates on the Markets page is under development.

## Smart contracts
* The EIP712 module which enables the Create Offer flow described above has been integrated into DIVA Protocol. We are preparing everything for another audit round to 
ensure that the new functionality is bug-free and secure.
* Before we go to audit, we are planning an incentivized code review program where we will invite Solidity developers and reward them in claims on the future DIVA token for reviewing and providing feedback on the code. 
This will help to raise awareness about DIVA Protocol in developer circles and foster adoption when it is launched on mainnet. 

## Testnet
The incentivized testnet has been an overwhelming success in all respects. We received a lot of helpful feedback from our users, fixed several bugs and were able to grow our discord community
from 800 to over 15k members. The on-going testnet is running until September 30, 2022, but we can already announce that there will be another round of incentivized testnet where users will get a chance
to earn additional rewards for trying out new features that are currently under development.

### Key testnet statistics
We want to be transparent with our community and share the expected DIVA token reward from participating in our testnet. 1% (1 million tokens) of the total DIVA token supply was reserved for the on-going testnet which will be allocated to all testnet participants pro-rata to their points collected. If the testnet ended today, 
each participant that has completed all the testnet tasks would be rewarded with slightly more than 210 DIVA tokens (c. $21 assuming a $10 million project valuation). Below the details including additional testnet statistics:
* Total pools created: >60k
* Unique addresses participated: >10k
* Number users that completed all tasks: >2300
* Total points collected: 21.3m
* DIVA token reward for completing all tasks: 210 DIVA tokens 

While further participation will dilute the testnet reward per user, we want to highlight that the completion of all testnet tasks will be beneficial for future reward rounds and initiatives. 

### Migration from Ropsten to Goerli
On 19th August, Graph Protocol stopped its support for Ropsten. As the DIVA App is using Graph Protocol to capture and display blockchain data in the app, we were forced to switch
all parts of the app and testnet to Goerli, the new Ethereum test network. This move was expected and most of the preparations for the migration have been done on our side. Unfortunately, one important piece of DIVA App's infrastructure 
stack, namely the 0x api server which is maintained by the 0x protocol team and responsible for hosting signed trade orders, turned out to have limited functionality on Goerli. 
As a result, users were no longer able to trade and complete the four trade related testnet tasks. We are currently in the process of spinning up the api server ourselves to become more independent. We are confident to enable the trading
functionality soon. 

### Testnet progress on Ropsten
The testnet progress on the Ropsten network is saved. Users only have to complete those tasks on Goerli that remained open on Ropsten. We are currently in the process of integrating the Ropsten completion
progress into the app to help users remember which ones were open.

### State of the app
Overall, there don't seem to be any critical bugs anymore. All bugs reported during the early phase of the testnet were fixed and users seem to able to complete all tasks without any problems
(assuming the trading part is fully functional again). The current focus is on implementing the new app designs and make the app mobile-friendly.

## New DIVA website
We are in the process of redesigning the [DIVA Protocol website](https://www.divaprotocol.io/) to present DIVA Protocol and its features in the best possible way. In particular,
we are planning to integrate an app store where we will start listing apps that are built on top of DIVA Protocol with DIVA App being the first one. 

## Quiz
End of July, we announced an incentivized [quiz](https://www.divaprotocol.io/posts/diva-incentivized-diva-quiz) where we give users a chance to earn additional claims
on the future DIVA token by proving their knowledge about DIVA Protocol and the DIVA App. The quiz has gained a lot of traction with 37 community members being able to secure a spot 
on the leaderboard. It was particularly great to see that some members have built very solid knowledge and leveraged that to earn additional DIVA tokens. 

Unfortunately, the quiz was interrupted for a few days due to the issues that we experienced during the migration. We expect to resume the quiz very soon. 

The quiz is one of many initiatives that we are planning to build an informed and knowledgeable community.
If you haven't followed all the questions but want to test your knowledge about DIVA Protocol, head over to our [documentation](https://docs.divaprotocol.io/guides/quiz) where you will find all questions. 
It was a conscious decision to not publish the answers yet to increase the learn effect ;-)

## Tellor oracle integration
We are closely working with the Tellor team to integrate [Tellor Protocol](https://tellor.io/) as the first decentralized oracle solution into DIVA Protocol to give users the highest confidence that derivative products will settle correctly.
The connector smart contract is done and we are currently testing the reporting software. The testing of the Tellor integration will be part of the second phase of the incentivized testnet. Stay tuned for an announcement. 

## Farmer insurance
The [article on the farmer insurance](https://www.divaprotocol.io/posts/diva-how-diva-protocol-can-help-unlock-affordable-insurance-for-farmers) use case sparked some excitement
with some organizations in Africa. We are currently exploring a pilot program with a set of farmers to test it out. Stay tuned!


## Join us
DIVA Protocol will enable the peer-to-peer creation of financial derivative products and with that unlock use cases that haven't been possible before. If you are interested in what we are building, join us on 
[Discord](https://discord.com/invite/DE5b8ZeJjK) and [Twitter](https://twitter.com/divaprotocol_io) and check out the following links:

- 🚀 Website: https://www.divaprotocol.io/
- 📚 Docs: https://docs.divaprotocol.io/
- 🍏 DIVA Testnet App: https://app.diva.finance/

DIVA development update - August

Team DIVA had an opportunity to join India's first web3 conference event called [Web3 Conf India](https://web3confindia.xyz/) held at 
[Novotel Goa Dona Sylvia Resort](https://all.accor.com/hotel/A6P4/index.en.shtml), Goa, India. It was a three day conference event with an 
amazing cruise kick-off party before the beginning of the event. The venue was amazing and was located near the beach giving it proper Goa vibes. 
The venue was also well arranged for the events and had two different halls booked for conferences to run in parallel. There were limited seats 
for the event and it was only accessible for the people who bought NFT passes which were sold on [TickEth](https://ticketh.io/browse/01062022_AllAccessPass) platform.

## Event Venue
![novtel venue](/images/posts/Novotel-goa.png)

<Tweet id="1557446392808779776" />

## Cruise Kick-off Party
![cruise party](/images/posts/kickoff-party.png)

Our main plan was to make people learn about DIVA Protocol and reward them with the DIVA swags that we had prepared for the event. It was the first time 
people were going to have their swags from DIVA and we were also excited about it. At the event we secured a booth where all other companies and event sponsors 
booths were also present to interact with attendees at the event.

![event photos](/images/posts/event-photos.png)

We got a great response from the people that we met at the event and that we presented what we are building at DIVA Protocol and its use cases. We also encouraged people to go 
through the [DIVA docs](https://docs.divaprotocol.io/) and participate in our on-going [incentivized testnet](https://www.divaprotocol.io/posts/diva-testnet-announcement) program. 
Many of them joined our discord channel, registered their wallet to claim dUSD tokens to participate in the testnet tasks and claimed their DIVA swag.

<Tweet id="1558682801355952130" />

Along with sharing information about DIVA Protocol, we also visited all the booths set up there and met with folks from different 
companies to discuss about each other's product. We met with folks from [WalletConnect](https://twitter.com/SkAyaz97/status/1558775873754386433), 
[Shardeum](https://twitter.com/SkAyaz97/status/1558764065920393221), [AssetMantle](https://assetmantle.one/), [Express Protocol](https://www.expressprotocol.io/), 
[QuillAudits](https://audits.quillhash.com/smart-contract-audit), [Polygon](https://polygon.technology/), 
[SpheronHQ](https://twitter.com/SpheronHQ), [Near Protocol](https://near.org/), [StackOS](https://www.home.stackos.io/), and 
[ZKX](https://zkx.fi/) among others. ZKX, which is a perpetual swap protocol built on StarkNet, also hosted a discussion panel about future of web3 with 
some popular faces of India in web3 space. There was also a launch party from Express Protocol on their successful mainnet launch hosted at the end of the event.

![zkx-panel](/images/posts/zkx-panel.png)

## Conclusion

To conclude, Web3 Conf India was a great event to connect with web3 enthusiasts and spread the word about DIVA Protocol and the unique use cases it will enable. We hope 
to leverage the connections that we established during the event to help grow the DIVA ecosystem. 

**WAGMI** ✊🚀

Sharing with you few lines of experience from the Web3 Conf India event representing DIVA Protocol held at Goa, India.

DIVA team at Web3 Conf India


We believe that an informed and knowledgeable community is key to the long-term success of the DIVA project. 
We want our community members to become ambassadors that can independently and convincingly present DIVA's value proposition. That’s why we invest in the community's education by distributing a claim on the future 
DIVA token to those that participate in our Learn-to-Earn program.
The incentivized testnet that rewards those that take the time to explore the functionality of the DIVA App, 
the first app built on top of DIVA Protocol, was our first step in educating the community. We are thrilled 
to announce a new opportunity for our community members to earn additional claims on the DIVA token by proving 
their knowledge.

## Weekly quiz

We will be running a weekly DIVA Protocol quiz in our [Discord](https://discord.gg/8fAvUspmv3). A dedicated #quiz channel has been created for 
this purpose where we ask 5 to 15 questions at random points in time during the week. Each question answered 
correctly by the first member of the community will receive a reward of 100 DIVA token claims. After answering 
the question correctly and being approved by the DIVA team, the winner is requested to submit their wallet address. 
When the DIVA protocol launches its mainnet, winners will be able to claim their rewards.

**It’s important to highlight that winners need to have completed all the testnet tasks in order to be eligible 
for the reward.** The completion of all testnet tasks will be a requirement for all future reward opportunities 
and beneficial beyond the testnet. If you are new to our community, read our 
[testnet announcement](https://www.divaprotocol.io/posts/diva-testnet-announcement) to learn how to participate. 

## Quiz rules summarized

* Only the first community member with the correct answer to a question will be rewarded with 100 DIVA Tokens.  
* To be eligible for the reward, you must have completed all the testnet tasks.
* Team members and moderators are excluded from the competition.
* A community member is allowed to earn rewards as many times as possible.

## What is DIVA Protocol
DIVA Protocol is a unique piece of decentralized infrastructure that allows everyone to create and settle 
fully customizable event-driven products (also known as “derivatives”) in a permissionless way. Users can 
choose any public data feed as the underlying (e.g., the price of an asset or a basket of assets, the TVL 
locked in DeFi, Ethereum gas price, Bitcoin hash rate, etc.) and combine it with a wide range of possible 
[payoff profiles](https://docs.divaprotocol.io/getting-started/create-position-tokens/payoff-curves) 
(binary, linear, convex, or concave) to create truly [unique products in DeFi](https://docs.divaprotocol.io/use-cases/insurance).

Excited what we are building? Join us!

- Twitter: https://twitter.com/divaprotocol_io 
- Discord: https://discord.gg/8fAvUspmv3

Here the links to get you started:

- 📚 Docs: https://docs.divaprotocol.io/
- 🍏 DIVA Testnet App: https://app.diva.finance/

Prove your knowledge about DIVA Protocol and get rewarded

Incentivized DIVA quiz

Countless farmers in developing countries cannot afford irrigation systems for farming and rely on climatic conditions to produce food. Taking Africa as an example, United Nations Environment Programme's (UNEP) [statistics](https://www.un.org/africarenewal/magazine/special-edition-agriculture-2014/despite-climate-change-africa-can-feed-africa) indicate that 95 percent of African food farming is rain-fed.

Accordingly, weather-related hazards frustrate agricultural productivity payoffs, particularly in the face of climate change. When the rains fail to come, it is a financial disaster for many households, especially in the rural communities.

These factors constantly threaten food security and human well-being in the region. In 2021, [droughts](https://oneacrefund.org/blog/crop-insurance-can-improve-food-security-africa/) slashed into harvests across countries like Malawi, Rwanda, Tanzania, and Zambia—and thousands of hard-working farmers bumbled to make ends meet.

## Agrarian insurance

Agrarian insurance would have been the logical solution to the farmers' hardships. However, traditional insurance services, if accessible at all, are generally costly, with high premiums and sluggish payouts, resulting in low agricultural insurance penetration among smallholder growers. In Africa, for example, [agrarian insurance](https://newafricanmagazine.com/26039/) is less than five percent. 

Fortunately, thanks to the evolution of the blockchain technology, those problems could soon be a thing of the past. Developers around the globe are building open, permissionless and trustless applications to provide access to crucial financial infrastructure for everyone in the world. One of such utilities is the DIVA Protocol.


## DIVA Protocol changes the narratives

[DIVA Protocol](https://docs.divaprotocol.io/introduction/what-is-diva-protocol) is a smart contract that lives on the blockchain and is programmed with logic to create and settle derivative products, insurance in particular. DIVA's flexibility to use virtually any metric as the underlying and link a wide range of payoff profiles to its outcome is unique and opens up unlimited possibilities to create insurance products that will benefit the world. 

Let’s take a look at how DIVA Protocol can be utilized to create an insurance product for farmers growing maize, one of the major crops in Nigeria. [Maize’s minimum water need](https://www.fao.org/3/s2022e/s2022e02.htm) over the total growing period is estimated at 500mm. Choosing the rain amount during the total growing period as the underlying metric and attaching a payoff profile that will benefit the farmer if the actual rain amount ends up below 500mm will neutralize any loss incurred by the farmer due to a lack of rain. 

The maximum cover is deposited upfront by the product creator at the time of creation and securely held by the DIVA smart contract until the actual rain amount is reported by an oracle following product expiration using a verifiable public data source. In particular, DIVA Protocol allows the creator to specify the rain amount at which the maximum cover will kick in, thereby defining the shape of the payoff curve. The customization of the payoff profile allows to design products that are tailored to the underlying insurance event and the specific needs of the farmers.

An example of a maize farmer's insurance product payoff is illustrated in the following chart, using a linearly increasing payoff starting at 500mm with a maximum payoff of USDC 1'000 at 200mm:
 

 <img src="/images/posts/harvest_insurance_short.png" />


Similarly, any other publicly verifiable event that can cause harvest losses or lower yield such as flooding, wildfire, or locusts invasions can be used as the underlying metric. 

DIVA Protocol delivers a highly flexible tool to create robust hedge instruments against the adverse events that farmers face. With the transparency of the blockchain, its non-custodial nature, and the absence of third parties, farmers would have a far better insurance scheme than the traditional insurance market. Farmers can be certain to get paid without any delays whenever an insurance event occurs.

To make described agrarian insurance products affordable to farmers, non-profit entities can play a key role in creating those products using DIVA Protocol and providing the cover at subsidized rates.

## Development Agencies And Charities 

Various development agencies and charities are working with farmers in need to improve their lots. DIVA Protocol offers a tool that these agencies and organizations can utilize to create sustainable farmer benefits without ever touching banking infrastructure.

Instead of offering unconditional donations, charity organizations could use the contributions to offer insurance cover - a form of conditional donation - for farmers at subsidized rates. If an insurance event occurs, farmers will receive the benefit. If no insurance event occurs, the collected premium is reinvested into more insurance cover for farmers. 

The key benefits of a conditional donation scheme compared to a traditional one-off donation include:
- Donation is provided when it’s most needed by the farmers
- In the absence of an insurance event, the same capital can be reused numerous times and even grow over time thanks to the re-investment of the premia, reaching more needy farmers

Such products act as a springboard for farmers to adjust to weather-related shocks and fight food insecurity and poverty.

With DIVA Protocol being an open-source infrastructure, the creation of these products is not limited to charity organizations. Anyone can act as the counterparty and offer subsidized insurance products to farmers to help them focus on what they do best - tendering crops.


## Join DIVA Protocol

DIVA Protocol is open to collaboration with international development agencies, Non-Governmental Organizations, and other charity institutions to work with farmers to ease their plight. Our platform offers the most innovative way to create a better situation for rural communities and those who eke out a living.

We can work together to create countless products covering various weather events that go against the farmer and livelihoods. These are strategies highly sustainable, empowering, and beneficial for society.

Let's come together to deliver technology-backed solutions with a humane approach with the chance of replication. The blockchain has a lot to offer humanity, and the DIVA Protocol is dedicated to playing our part in this evolution.

If you are interested in what DIVA is building, here are the main links to get involved at no cost:

- 📚 Docs: https://docs.divaprotocol.io/
- 🍏 DIVA Testnet App: https://app.diva.finance/

Join Our community to be abreast with our ecosystem:

- Website: https://www.divaprotocol.io/
- Twitter: https://twitter.com/divaprotocol_io 
- Discord: https://discord.gg/8fAvUspmv3

DIVA Protocol empowers everyone to add a positive lasting impact on the world by creating conditional donation products

How DIVA Protocol can help unlock affordable insurance for farmers



[DIVA App testnet](https://www.divaprotocol.io/posts/diva-testnet-announcement) went live on June 12, 2022, with a call on the Crypto community to participate and earn a claim on the future DIVA token. The response has been massive and pretty enlightening for the team. 

Thousands of Crypto enthusiasts responded to our call and signed up to test the DIVA App which is powered by DIVA Protocol, pointing us to some weaknesses needing modification. The outcome is significant to us in our mission to provide a robust decentralized application that empowers everyone to create a wide range of derivative products, including insurance, prediction/betting, and swaps. Those testing the system offer us the opportunity to receive essential feedback to achieve our goal. 

A vibrant community is essential for the success of a Crypto venture. Refreshingly, the DIVA testnet has reemphasized this central element. 

## Testnet statistics 

Since its launch, more than 8’000 users have participated and created more than 80’000 products. Multiple [Youtube](https://www.youtube.com/results?search_query=diva+protocol+testnet) videos have been created by our community that guides members through the testnet tasks.

Stimulatingly, the drill has impacted our community building and expansion appreciatively. The DIVA Discord community grew from 800 to more than 12’500 members within the exact time frame. 

We are particularly proud that one of our tweets about the testnet got retweeted by the official Polygon Twitter account, which has over 1.5 million followers. 

## Initial challenges

Due to the incredibly high demand for testnet registrations, our Discord Bot was swamped and couldn't deliver just a day after the take-off. We had to halt registration temporarily to fix this anomaly. 

The goal was to resolve the issues so our new testnet users could have the best experience trying out the app. We are grateful to the community for their understanding and patience. 

Thankfully, we restored the system within a few hours and registration resumed without any blemish. The current focus is on processing the feedback to provide an app that delivers one of the best products in the DeFi space.

## Feedback utilization

The hefty load on the DIVA App has revealed some weaknesses, which have been addressed by our experienced Dev team and resulted in various improvements for our users. Here are some highlights:

**Performance**: The loading times of the Markets and My Positions pages have been significantly improved thanks to smarter data loading.

**Usability**: We have improved the UX on the Markets page by replacing the previous split into Main/Other on the Markets page (which was splitting into products created by DIVA Governance and others) with a Creator Filter. This changeover allows users to search for derivative products from specific addresses such as friends, Twitter individuals, etc., which means all products created by a particular address have a unique URL that allows creators and users to share them within their communities.

**Congrats page**: We have added a congratulations page at the end of the creation process, which allows users to add the newly created position tokens to their Metamask wallet with a button click without the need to import them manually.

**Bug fixes**: Several bugs related to creating and filling orders that have hindered some testnet participants from completing the trade-related tasks have been fixed.

Apart from improving the functionality, we are also working on new app designs. Expect additional updates in the coming weeks as we work tirelessly to sweeten the performance and usability of the DIVA Protocol app.


## Join DIVA App testnet

You can still participate in this exciting development if you haven't registered for the testnet yet. It is running until September 30, 2022. 

Kindly head to our [Discord](https://discord.com/invite/DE5b8ZeJjK) and sign up on the Register Channel to be a part of building the future of derivatives. Don't forget your participation in the testnet guarantees a share in the DIVA token when it is finally live.

If you are interested in what we are building, here are the main links to get started:

- 🚀 Testnet announcement: https://www.divaprotocol.io/posts/diva-testnet-announcement
- 📚 Docs: https://docs.divaprotocol.io/
- 🍏 DIVA Testnet App: https://app.diva.finance/

Join Our community to be abreast with our ecosystem:

- Website: https://www.divaprotocol.io/
- Twitter: https://twitter.com/divaprotocol_io 
- Discord: https://discord.gg/8fAvUspmv3 

Stay safe in these uncertain times!


Thousands of users participated in the DIVA App testnet so far.

DIVA App Testnet Receives Overwhelming Participation

After many months of hard work and sweat, we are thrilled to announce the **launch of the DIVA App on the Goerli testnet**, the first app built on top of DIVA Protocol. 
The goal of this release is to collect early user feedback to further improve the app ahead of the mainnet launch later this year. 
The best part about all this is that you get rewarded with a claim on the future DIVA token for trying out the app without 
risking real assets 🤯. Read on to find out how to participate.

## What is DIVA Protocol?

[DIVA Protocol](https://docs.divaprotocol.io/) is a decentralized piece of infrastructure that allows its users to create and settle fully 
customizable event-driven products (also known as "derivatives") in a permissionless way. Users can choose any public data feed as the underlying 
(e.g., the price of an asset or a basket of assets, the TVL locked in DeFi, Ethereum gas price, Bitcoin hash rate, etc.) 
and combine it with a wide range of possible payoff profiles (binary, linear, convex, or concave) to create truly unique products in DeFi.

DIVA Protocol’s mission is to empower anyone to bring their betting and insurance product ideas to life in a permissionless way without the need to learn smart contract programming.
Whether you want to build a prediction markets platform like Augur, a platform selling insurance products to protect against DeFi hacks, 
or create a simple webpage to allow users to bet on the outcome of the Champions League Finals, everything can be realized using DIVA Protocol as the underlying 
infrastructure.

## What is DIVA App?

DIVA App is the first implementation of an app on top of DIVA Protocol. Using the DIVA App users can interact with 
the protocol through a user-friendly interface. They can create and redeem derivative asset. Data providers can report values via the application. 
In addition, DIVA App integrates [0x](https://www.0x.org/)'s limit order protocol, a decentralized offchain orderbook with an onchain settlement 
model, to facilitate the exchange of those assets in a decentralized and gas-efficient way without giving up custody.

Both the DIVA Protocol smart contracts as well as the app code will be open-sourced at mainnet launch later this year which developers can use for reference.

## Learn-to-earn
![drake](/images/posts/drake.png)

One of the initiatives that we will be running to coincide with the testnet launch is the **Learn-to-earn program**. 
The goal of this program is to reward users with a claim on the future DIVA token for exploring the functionality offered by the DIVA App 
and providing valuable feedback that will help us to further improve the app ahead of the mainnet launch later this year. 
We believe that this approach is more likely to convert users into long-term believers and supporters compared to a random airdrop model. 
Read about the role of the DIVA token in DIVA Protocol in our [gitbook](https://docs.divaprotocol.io/introduction/diva-token).

**The best part about the DIVA testnet is that users are not putting any real assets at risk. All interactions with the DIVA App take 
place on the Goerli testnet using fake ERC20 tokens and fake ETH.**

## How it works

There will be a total of **15 tasks** that users will be asked to complete, each covering one specific functionality of the 
DIVA App (see the list of tasks further down below). Each completed task will earn users **200 points**. User’s will 
be able to multiply their score in two ways:
- **1.5x**: Users that complete all tasks will receive an “expert multiple” of 1.5x on their total score resulting in **4500 points**.
- **3.0x**: Users that complete all tasks AND hold a whale from our founders’ 888whales.art NFT collection at the end of the testnet, 
will receive a “whale multiple” of 3.0x on their total score resulting in **9000 points**. 
**Note that holding more than one whale will not give you any additional advantage.**

Each point collected represents a claim on one future DIVA token subject to a cap of 1 million DIVA tokens (1% of total supply). 
This means that if the aggregate points collected by all testnet users exceed 1 million, each user’s claim will be cut back pro-rata. 
For example, if the aggregate points collected by testnet users is 2 million, then each point will represent a claim on 0.5 DIVA tokens. 
For the avoidance of doubt, users that have collected more points than others will always receive more claims on the DIVA token.

Due to the dependency on the aggregate points collected by testnet users, the final DIVA token rewards will be determined and 
published after the testnet phase. Testnet participants will be able to claim their share of the DIVA token at the token launch event.

## How to participate

Follow the below steps to participate in the DIVA testnet:
- Head over to the [testnet channel](https://discord.gg/ZXpDp9G5b8) in our Discord.
- Type **/register** in the message line, add a **blank space** and paste the **wallet address** that you are going to use to 
interact with the DIVA App and later to claim the DIVA token. It should look as follows:

![register](/images/posts/register.png)
- **Make sure you are using an address that you control as you won't be able to change it afterwards!** 
- Hit Enter to confirm. In addition to the address registration, you will receive test ERC20 tokens called [dUSD](https://goerli.etherscan.io/address/0xFA158C9B780A4213f3201Ae74Cca013712c8538d) that you will need to start 
testing the app. 
- Type **/address** to confirm that your address has been registered. You can also use this command to check which 
account you have registered in case you forget it.
- Type **/claim-test-assets** to receive more dUSD tokens for testing (works only for registered users). Note that you can claim test assets once per day. 

All available commands to interact with our Discord bot are also listed in the testnet channel:

![register](/images/posts/testnet_bot.png)

**Note that each verified Discord user can only register one single account.** Users have time to register and complete all tasks until **30th September 2022**. 

After you have registered and received dUSD, claim some Goerli ETH from one of the following faucets to be able to pay for gas when transacting on the Goerli network:
* [Paradigm faucet](https://faucet.paradigm.xyz/)
* [Goerli PoW Faucet](https://goerli-faucet.pk910.de/) 


### List of tasks

The 15 tasks that testnet users are asked to complete are listed below as well as in the DIVA App under the **Testnet Task** tab. 
The completion of tasks will be assessed based on logged on-chain events and can be tracked on the Testnet Task page. 
To make things simpler for you, we have created a DIVA App Training in our gitbook that will guide you through the tasks and linked all tasks 
to the corresponding sections.

|**Task**|**Points**|
|:---|:---|
|**Contingent pool creation**||
|[Create a pool with a binary payoff](https://docs.divaprotocol.io/guides/diva-app-training/create#create-position-tokens-with-a-binary-payoff)|200|
|[Create a pool with a linear payoff](https://docs.divaprotocol.io/guides/diva-app-training/create#create-position-tokens-with-a-linear-payoff)|200|
|[Create a pool with a convex long token payoff](https://docs.divaprotocol.io/guides/diva-app-training/create#create-position-tokens-with-a-convex-long-payoff-concave-short-payoff)|200|
|[Create a pool with a concave long token payoff](https://docs.divaprotocol.io/guides/diva-app-training/create#create-position-tokens-with-a-concave-long-payoff-convex-short-payoff)|200|
|**Adding/removing liquidity**||
|[Add liquidity to an existing pool](https://docs.divaprotocol.io/guides/diva-app-training/add#add-liquidity-to-an-existing-pool)|200|
|[Remove liquidity from an existing pool](https://docs.divaprotocol.io/guides/diva-app-training/remove#remove-liquidity-from-an-existing-pool)|200|
|**Trading**||
|[Create a BUY LIMIT Order that gets filled](https://docs.divaprotocol.io/guides/diva-app-training/trade#create-a-buy-limit-order)[^1]|200|
|[Create a SELL LIMIT Order that gets filled](https://docs.divaprotocol.io/guides/diva-app-training/trade#create-a-sell-limit-order)[^1]|200|
|[Fill a BUY LIMIT order via SELL MARKET](https://docs.divaprotocol.io/guides/diva-app-training/trade#fill-existing-buy-limit-orders-sell-market)|200|
|[Fill a SELL LIMIT order via BUY MARKET](https://docs.divaprotocol.io/guides/diva-app-training/trade#fill-existing-sell-limit-orders-buy-market)|200|
|**Manual settlement**[^2]||
|[Report final value](https://docs.divaprotocol.io/guides/diva-app-training/settle#report-final-value)|200|
|[Challenge a reported value](https://docs.divaprotocol.io/guides/diva-app-training/settle#challenge-a-reported-value)|200|
|**Redemption**||
|[Redeem position token](https://docs.divaprotocol.io/guides/diva-app-training/redeem)|200|
|**Fee claim**||
|[Claim fees as a data provider](https://docs.divaprotocol.io/guides/diva-app-training/fees#claim-fees-as-a-data-provider)|200|
|[Transfer fee claims](https://docs.divaprotocol.io/guides/diva-app-training/fees#transfer-fee-claims)|200|
|**Total**| **3000**|
|**With expert multiple (1.5x)**|**4500**|
|**With whale multiple (3.0x)**|**9000**|

[^1]: It is important to highlight that placing a BUY/SELL LIMIT order is not enough to complete this task. The order has to be filled by 
someone (it can be your own account) in order to be considered complete. The reason for that is that creating a BUY or SELL LIMIT order 
is an off-chain operation. Only the execution of the order triggers an on-chain event that allows us to confirm the completion of the task.
[^2]: Note that the manual reporting process of the final value and the possibility to challenge are only relevant for cases where human 
reporters are used as data providers. In most cases, we expect users to choose oracles that will automatically report the final value 
and do not require their involvement.

The testnet is conducted on the **Goerli network** and you have time to complete all tasks until **30 September 2022**. 
Details on the timeline for the mainnet launch will be announced after the testnet phase ends.

## Sybil protection

One of the key concerns during any anticipated airdrop or token distribution event are Sybil attacks. To maximize the token allocation during token drops, some individuals or 
organizations create multiple online accounts pretending to be independent and unique users. These so-called Sybil attackers exploit 
the fact that it’s impossible to know who is behind each Ethereum account.

In order to ensure a fair token distribution, it is critical to take precautionary measures to reduce the risk of such attacks. 
The following summarizes the measures that we have taken to prevent such attacks:
- Only verified Discord users will be able to register for the testnet. We will retain the freedom to change the definition of a 
“verified” Discord user during the testnet.
- Every verified Discord user will be able to register one single address.
- Our learn-to-earn program requires users to dig into the documentation and read how to complete the tasks.
- To receive the 3.0x whale multiple, users will have to spend real assets to purchase an 888Whale NFT which sybil attackers 
are unlikely to do. And if they do, those funds will directly flow back into the project.
- The fact that users will earn a claim on the future DIVA token rather than the DIVA token directly, gives us 
additional flexibility to exclude suspicious addresses in hindsight.

We strongly recommend users to stay active and visible in our Discord. Ask questions, participate in discussions or provide 
valuable feedback. This will help us to identify users that are here for the right reason. Saying “Hi” or “Gm” may not be enough.


## Final remarks

While most of the functionality is already in place and can be tested, the app is still under development. In particular, 
we are actively working on upgrading the web design as well as improving the performance and responsiveness of the app for a 
better user experience. If data doesn’t refresh automatically, try to reload the page or toggle between tabs.

Also, expect the app to break during the testnet phase. That’s desired behavior and will help us to identify weak points 
and fix them before we launch on mainnet. If you spot any bugs or have proposals on how to further improve the current user experience, 
let us know in our [feedback Discord channel](https://discord.gg/NJDm29eEa4). This may earn you some bonus points 😉. Finally, we want to highlight that the current 
version of the app was not optimized for mobile or tablets. We recommend using a desktop computer for the best testing experience.

We hope that you are as excited as we are about the DIVA testnet launch! [Register your wallet in our Discord](https://discord.gg/DE5b8ZeJjK) 
today and give our system a test drive.


- 📚 Docs: https://docs.divaprotocol.io/
- 🚀 Testnet announcement: https://www.divaprotocol.io/posts/diva-testnet-announcement
- 🍏 DIVA Testnet App: https://app.diva.finance/

Join Our community to be abreast with our ecosystem:

- Website: https://www.divaprotocol.io/
- Twitter: https://twitter.com/divaprotocol_io 
- Discord: https://discord.gg/8fAvUspmv3

Try out the DIVA App and get rewarded with a claim on the future DIVA token.

DIVA App Testnet Launch

Team DIVA had an opportunity to join a great event hosted by the team Solana, [Solana Hacker House](https://solana.com/events/bengaluru-hacker-house) at [Grand Sheraton](https://www.google.com/maps/search/?api=1&query=Sheraton%20Grand%20Bengaluru%20Whitefield%20Hotel%20%26%20Convention%20Center%2C%20Prestige%20Shantiniketan%20Hoodi%2C%20Thigalarapalya%2C%20Whitefield%2C%20Bengaluru%2C%20Karnataka%20560048%2C%20India&query_place_id=ChIJf2yYye4RrjsRYZhOX_0Vh24), Bengaluru, India. It was a five-day-long offline hackathon and conference event from Tue, 10 May to 14 May. The event received an overwhelming response with 2000+ responses and the venue had a capacity of 500 people for which it was a first come first serve basis event and the DIVA team was able to make it to the event every day.

<Tweet id="1523880833701928960" />

At the event, we secured our place and put on DIVA Presentation slides with a QR code to all the links with our DIVA Swags which attracted many people to come and learn about DIVA. The DIVA team presented all the required details to the people and asked them to check out [links](https://linktr.ee/divaprotocol.io) where they can find all information on the DIVA Protocol and its use cases. We also encouraged people to follow DIVA on Twitter and join Discord to stay updated about our upcoming test net launch program.

<Tweet id="1523964939257335808" />

We also reached out to different teams connecting with them on what they were building to see if there are any projects which can also use DIVA to build their project. We got connected with people at [Stock Market Fair](https://stockmarketfair.com/) which is an online gaming exchange on the stock market and they were interested to explore DIVA Protocol as they are planning to move their product web3 and DIVA Protocol seemed a good option to build the web3 betting platform that they are planning.

We also got to know about one more product called [Swoop](https://swoop.games/) which is a Fantasy cricket app currently built on Solana, and they also got interested in exploring more about the DIVA Protocol to see how they can implement it in their product.

<Tweet id="1523893189484052482" />

<Tweet id="1524247731719782401" />

We were able to build a network with many other projects being built there and exchange contacts and join a few telegram groups for future communication purposes which will help us in driving people to explore DIVA and build products on that. We also got connected with people at [Solster](https://solster.finance/) which is an IDO Launchpad and they were excited to know about the DIVA Protocol and asked us to get connected with them in the future if we have any plans for fundraising.

<Tweet id="1525413340528250881" />

<Tweet id="1525719728525717505" />

It was fun and great to connect with all the awesome people there and it was a pleasure representing DIVA and making people learn about what we have been building. On the last day, we finally took a complete round and met with most of the teams out there and attended the demo day presentation from the teams who had built products on Solana. 

Attending this event help us get connected with web3 people more closely and share knowledge with each other and also got to know how people from different other teams and DAOs were hosting different tasks and rewarding users for the same and driving in members to other communities from the event. We look forward to similar future opportunities where we can represent DIVA to the teams and people who can be associated with us more closely and help us make DIVA a success and drive in more opportunities for the whole team.

Thanking the whole DIVA team and Wlad who supported us on our whole journey in making us possible to attend the event and had a great experience meeting with web3 people. We hope to build more connections in the future and drive value which would be beneficial for the DIVA Team members.

**WAGMI**

Sharing with you few lines of experience from the Solana Hacker House event representing DIVA at Solana Hacker House, Bangalore.

DIVA team at Solana Hacker House

From the very beginning, it was clear to us that 888Whales will be more than just another NFT project. Besides launching one of the first NFT projects, that was addressing the Twitter profile banner space, we were heads-down building something exciting in the background. Over the last couple of weeks, we gave a few hints via our Twitter channel. Today is the day where we want to become more specific about our plans.

<Tweet id="1465978634641059845" />

Today, we want to announce that everyone who purchased an 888Whale until 31 January 2022 will be eligible for a 5'000 DIVA token airdrop per whale when we launch the DIVA token later this year. This is equivalent to $500 assuming a $10m market cap of DIVA protocol.

## What is DIVA?

DIVA is a highly customizable derivatives protocol that will allow the creation of a wide range of financial products including:

- 📈 Prediction markets
- 🛡 Insurance products
- 💰 Yield generating products

The DIVA token will be the protocol’s native governance token which will come with rights to vote on protocol upgrades, how to spend the DIVA treasury and much more.

Read our whitepaper and try out our MVP to learn how it works. For a guide how to use the MPV, see here.

## Why do we do that?

DIVA is a self-funded project and everyone who purchased a whale NFT helped us indirectly to finance the development of the DIVA protocol. This AirDrop is our way to say thank you to our wonderful 888Whales community 🙏.

## Who is eligible for the AirDrop?

To avoid that 888Whale NFTs are traded as proxies for the upcoming DIVA token, only first time buyers with snapshot date 31 January 2022 will be eligible for the AirDrop. Further, first time buyers have to hold on to their whale until the DIVA token launch later this year, otherwise they lose their eligibility status. So far, all whale buyers have chosen to HODL to their whale(s) which we are very proud of.

The AirDrop is per whale rather than per account basis meaning that if you purchased 5 whales, you will receive 5 x 5'000 DIVA tokens. Eligible Ethereum addresses will be whitelisted and able to claim their DIVA token allocation at the time of the token launch later this year.

## Will there be more AirDrops for 888Whale holders in the future?

This has not been decided yet. If you want to earn DIVA tokens, though, join our discord channel and watch out for the announcement of the incentivized testnet in Q2 2022.

## What will happen to the 888Whales project?

The 888Whales project is very close to our heart and we have so many exciting features in the pipeline. While our focus is on DIVA right now, we will dedicate more time once we get a bit more capacity. If you love the 888Whales project and want to help us implementing the envisaged features, get in touch with us via our whales discord channel.

## 🐋 888Whales Links

- Website: https://888whales.art/
- Discord: https://discord.gg/rfH7Dtu3by
- Opensea: https://opensea.io/collection/888whales
- Twitter: https://twitter.com/888whales_nft

## 🚀 DIVA Links

- Website: https://divaprotocol.io/
- Discord: https://discord.gg/cxqbPc8dm7
- Twitter: https://twitter.com/divaprotocol_io

Today, we want to announce that everyone who purchased an 888Whale until 31 January 2022 will be eligible for a 5'000 DIVA token airdrop per whale when we launch the DIVA token later this year. This is equivalent to $500 assuming a $10m market cap of DIVA protocol.

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