Claims & Governance — parametric payouts, on‑chain evidence

This page defines the claim flow, payout rules, and token mechanics. Supply is fixed at 1,000,000,000 Φ. Treasury grows from protocol take on premiums and reinsurance fees, backing rapid claims and long-term reserves.

Claim submission wizard

Fast, auditable, zero-adjuster flow.

Payout ladder (parametric)

Risk score at event time → instant payout. No adjusters.
Tier 1
Score ≥ 80 → $50k
Tier 2
Score ≥ 90 → $250k
Tier 3
Score ≥ 95 → $1M
Breach
Critical event → $5M
SLA: 72‑hour target payout • On-chain receipt • Evidence NFT (soulbound) • Auditor‑verifiable logs

Tokenomics — 1B Φ supply

Treasury-backed network: protocol take from premiums + reinsurance fees fund rapid payouts and long-term reserves.
Treasury (on-chain reserve)
35%
Ecosystem (dev grants, partners)
20%
Stakers (risk oracles & validators)
17%
Team (4‑yr vest, 1‑yr cliff)
12%
Investors (policy‑aligned)
10%
Community (users, claims mining)
6%
Total supply

1,000,000,000 Φ

Circulating (year 1)

220,000,000 Φ

Treasury @ genesis

350,000,000 Φ

Treasury utility:
  • Backstop pool: cover 12–18 months of expected payouts
  • Liquidity for reinsurance tranches
  • Buybacks during stress; staking rewards

Protocol economics — dynamic treasury inflows

Annual premium volume ($) $120M Protocol take (%) 2.5% Backstop multiple (x) 1.2×
Annualized inflow → Treasury

$3.0M

Implied backstop capacity

$3.6M / yr

Runway at current reserve

>24 mo

Assumes stable loss ratio and tier mix; adjust sliders to stress‑test sustainability.

On-chain power

Governance

Why top‑5 potential