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Poncho.ch
2025
Poncho is a Swiss startup on a mission: reinvent parametric weather insurance by making it accessible, flexible, and fully digital—for both partners and end clients. Backed by WeBuild and freshly funded with CHF 550k, the team needed to move fast from concept to product.
That’s where Bumps stepped in. From UX research to product design, and from no-code MVP to full-stack platform, we built the core product experience from the ground up. In just a few months, Poncho was live, with real users, real contracts, and real revenue.
When Poncho reached out to Bumps, they had built a powerful proprietary API capable of generating real-time insurance quotes based on weather and location. But everything else—frontend, user experience, partner workflows, contract flows—was still to be created.
They needed a product team that could move fast, build smart, and handle technical complexity, while ensuring the platform was scalable and partner-ready from day one. This included the entire customer-facing interface, the partner dashboard, contract automation, and payments—all integrated into a reliable, secure system.
We kicked off with product workshops and design sprints to define user flows, map out partner needs, and turn Poncho's vision into clickable prototypes.
The first product version was built as a no-code MVP, allowing us to test real use cases with early adopters and iterate quickly. As traction grew, we transitioned to a full-stack architecture with React.js, Node.js, Supabase (PostgreSQL), and integrated Stripe for secure payment flows.
At the heart of the platform lies Poncho's weather-based pricing engine, exposed via their API. We built seamless integrations to fetch, interpret, and display parametric quotes in real time—whether for a music festival in Geneva or a farmer in Vaud.
We also developed a contract automation flow: personalized PDFs are generated dynamically, then automatically sent via email to the client. This feature alone reduced manual operations by 90% and improved the speed of policy issuance dramatically.
To support Poncho's scaling phase, we’re now developing a dedicated partner interface, where agents can create, manage, and distribute policies autonomously. Partners can issue contracts, track sales, and either collect payments directly or forward the payment links to their clients.
With Bumps’ support, Poncho went from raw API to fully operational product in just a few months.
They successfully onboarded their first clients and partners, issued real insurance contracts, and began monetizing the platform. The automated contract flow, coupled with Stripe integration, ensured a secure and seamless purchasing experience.
The platform is now scalable, API-first, and partner-ready—a true foundation for growth.
