Cover that pays itself.
Protect your home, your harvest or your trip. If the thing you insured against happens, the money arrives on its own. There is no claim to file and nobody to convince.
What would you like to protect?
What would you like to protect?
Pick one. You can change it at any point.
Where?
How much should it pay?
Here is the deal, in one sentence.
Show how this price was worked out
These figures are computed here, in your browser, by the protocol's own actuarial model. They agree with the twenty thousand year simulation that prices live policies to within a fraction of a percent.
Nobody decides whether you get paid.
Ordinary insurance pays after a person agrees that it should. This pays when a measurement crosses a number that was written into your policy the day you bought it.
You choose the number
A magnitude, a rainfall total, a delay in minutes. It goes into the policy in plain sight.
It is registered on chain
As a predicate: a condition the network itself watches. No bot, no keeper, no company.
The measurement arrives
Read from the official source and attested by validators, so it is the figure the world sees.
You are paid, that block
Settlement runs in the same block the reading lands. You may not have heard about the event yet.
A farmer in Konya should not need a seed phrase.
The hard part of using a chain is not holding a key, it is being asked to approve something over and over. This asks once, at purchase. So there are two doors, and the protocol cannot tell them apart.
Sign in with a phone
- Works like a banking app: your number, then the face or finger your phone already uses
- A key is made on your device and never leaves it. The word wallet never appears
- Pay by card. The payout comes back the same way
- Your number derives the account and is not stored anywhere
Connect a wallet
- Your address is your identity. Nothing is registered
- Policies are objects on chain, readable without this site
- get_workflow_lineage shows exactly why a payment fired
- Same address, same objects, same protocol as the door on the left
What it will not do
This pays on a measurement, not on your actual loss. If the ground shakes hard at your house but the nearest station records less, you are not paid. That gap is real, it is called basis risk, and being onchain does not close it. What we do instead is show you the index, the source and the odds before you pay, and let you move the radius until the cover matches the risk you actually have.
If the source publishes nothing at all by the deadline, the policy is unwound and your premium is returned in full. Not a payout, not a lapse. The contract could not be judged, so it does not stand.
What is real here, and what is simulated
Real
- The pricing mathematics, written out by hand rather than imported, so every number can be traced
- The hazard models: truncated Gutenberg and Richter with a characteristic fault term, gamma rainfall, lognormal delay
- The capital standard, the pool accounting and a ledger that replays and reconciles
- The price you are quoted on the previous page, computed in your browser
Simulated
- The chain: Rialo shaped, 50 ms blocks, with a world clock running about 40,000 times real time
- Readings, generated by the hazard models rather than fetched from live APIs
- Station normals, route statistics and zone seismicity: plausible figures of the right shape, not a hazard assessment
- The RPC client speaks the published Rialo methods and is what a devnet deployment would use
Someone has to be able to pay.
Behind every policy is a pool of capital and a rule that stops it writing more than it can stand behind. This is that side of the protocol.
One earthquake does not settle one policy.
It settles every policy inside its radius, in the same block, from a single reading. That is the event the capital model prices. Set one off and watch.
The same cover, two prices.
Identical limit, identical term, quoted against a book that already holds eight Istanbul policies. The ninth Istanbul policy is not the same risk as the first, and a protocol that prices them alike is the one that runs out of money.
Eighty times the price for a risk whose expected loss differs by a factor of fourteen. The rest is concentration.
The rules that bind it
Survive the worst half percent
Capital is sized as the average loss across the worst 0.5% of twenty thousand simulated years.
No single event over 35%
A pool can be solvent on average and one earthquake away from nothing.
Capital cannot run
A provider may withdraw only what is not standing behind live policies.
The ledger replays
Every movement is recorded, so the whole book can be rebuilt from entries and checked.