Riskify
Technology / System overview

Programmable Risk Infrastructure.

The world's first blockchain-enabled catastrophe reinsurance marketplace

01 / From exposure to execution

How It Works

Our programmable infrastructure enables seamless risk transfer and management through a series of interconnected smart contracts and AI-powered systems.

Exposure Assessment interface, client demo with simulated data; transactions disabled
Exposure assessment · client demo, simulated dataInspect screen
From exposure to execution / 01

Physics-Aware Risk Assessment

Our AI engine understands how natural disasters actually spread and evolve, providing more accurate risk pricing than traditional lookup tables.

Explore the documentation
Capabilities at this stage
  • Physics-based models that learn how storms, fires, and earthquakes propagate
  • Real-time satellite data analysis for immediate risk updates
  • Dynamic pricing that adapts to changing conditions
  • Property-level risk scoring for precise exposure measurement
Open Pools interface, client demo with simulated data; transactions disabled
Open Pools · client demo, simulated dataInspect screen
From exposure to execution / 02

Comprehensive Tokenization

Transform every aspect of catastrophe risk into tradeable digital assets, from basic coverage to sophisticated derivatives and diversified indexes.

Explore the documentation
Capabilities at this stage
  • Risk Pool Tokens (RPTs) for structured reinsurance coverage
  • Bundles as diversified catastrophe risk indexes for easy participation
  • Peril Activated Derivatives (PADs) for hedging and speculation
  • Cross-Pool Tokens (XPTs) for collaborative risk sharing between insurers
AMM and Liquidity interface, client demo with simulated data; transactions disabled
AMM & liquidity · client demo, simulated dataInspect screen
From exposure to execution / 03

Automated Market Making

AI-powered market makers provide continuous liquidity, transforming traditionally illiquid reinsurance into a dynamic, responsive marketplace.

Explore the documentation
Capabilities at this stage
  • Reinforcement learning algorithms optimize pricing and spreads
  • Smart contracts execute trades automatically when conditions are met
  • Continuous liquidity provision for instant position adjustments
  • Multi-oracle validation ensures reliable trigger execution
Order Book and Risk Transfer interface, client demo with simulated data; transactions disabled
Order book & risk transfer · client demo, simulated dataInspect screen
From exposure to execution / 04

Liquid Risk Markets

Create the world's first truly liquid catastrophe risk marketplace where positions can be traded, hedged, and rebalanced in real-time.

Explore the documentation
Capabilities at this stage
  • Instant settlement when disaster parameters are triggered
  • Secondary markets for trading risk positions mid-term
  • Real-time portfolio rebalancing and risk optimization
  • Cross-border capital flows with automated compliance
01 / 04
Explore exposure in context

Four perils.
One connected world.

Inspect illustrative properties across wildfire, flood, hurricane and snow. Follow each exposure into Riskify’s assessment, tokenization, pooling and transfer infrastructure.

The illustrative 3D Riskify coastal landscape
02 / System architecture

The connected infrastructure

Infrastructure / 01

Asset Tokenization Layer

Convert real-world catastrophe risk into digital tokens with embedded parameters and compliance integration.

  • Smart Contract Templates
  • Risk Parameter Encoding
  • Integrated Legal Framework
Explore the documentation
03 / Capabilities

Core Innovations

01

Tokenized Risk Transfer

Convert catastrophe exposure into liquid, tradable Peril-Specific Catastrophe Tokens (PSCTs) enabling fractional reinsurance at any scale.

  • Peril-Specific Catastrophe Tokens (PSCTs)
  • Risk Pool Tokens (RPTs) for structured coverage
  • Cross-Pool Tokens (XPTs) for risk sharing
  • Building Tokens (BTs) for geo-verified claims
02

Embedded AI Engine

Physics-aware AI that understands how catastrophes actually behave, providing smarter pricing and automated market making for instant liquidity.

  • Real-time risk scoring
  • Satellite imagery validation
  • Automated market making
  • Smart portfolio rebalancing
03

Programmable Compliance

Smart contracts embed regulatory logic directly into transaction pathways with zero-knowledge proof infrastructure.

  • Automated KYC/AML enforcement
  • ZK proofs for collateral verification
  • Multi-jurisdictional metadata tagging
  • Transaction-specific review of reinsurance credit and collateral eligibility
04 / Token standards

Token Architecture

01

Multi-Standard Tokenization

Composable primitives using ERC-20, ERC-721, and ERC-1155 standards for maximum interoperability.

  • Share Tokens (TYPE 0) for direct capital allocation
  • Bundle Tokens (TYPE 1) for composite exposure
  • Derivative Tokens (TYPE 2) for synthetic positions
  • Yield Tokens (TYPE 3) for claimable returns
02

Secondary Market Liquidity

Native AMM integration with Net Asset Value (NAV) linked pricing for continuous liquidity provision.

  • Real-time position rebalancing
  • Cross-platform DeFi integration
  • Automated yield optimization
  • Dynamic risk-adjusted pricing
03

Programmable Tranching

Automated payout waterfalls with oracle-verified triggers removing subjectivity from claims settlement.

  • First-Loss, Mezzanine, Junior tier automation
  • Parametric trigger validation
  • Instant settlement via smart contracts
  • Cross-pool risk correlation hedging
05 / Market opportunity

Market Impact

01

$2T Market Opportunity

Global reinsurance market growing at 11% CAGR with significant capacity shortfalls driving demand for programmable alternatives.

  • $711B current global reinsurance market
  • $107B ILS market capacity in 2024
  • 17.3% annual returns in catastrophe bonds
  • Growing demand from institutional investors
02

48-Hour Placement

Transform months-long treaty negotiations into near-instant programmable placements with transparent pricing.

  • Sub-48 hour structured risk placement
  • Real-time capital matching algorithms
  • Automated regulatory compliance
  • Dynamic portfolio rebalancing
03

Democratized Access

Open catastrophe risk exposure to broader capital markets through fractionalized, liquid, composable instruments.

  • Fractional risk participation at any scale
  • Secondary market liquidity provision
  • Cross-border capital flow optimization
  • Institutional-grade DeFi integration
06 / Connect to Riskify

Infrastructure & Integration

Enterprise-grade infrastructure designed for institutional reinsurance with comprehensive APIs, regulatory compliance, and multi-jurisdictional support.

01

Oracle Network

Multi-source validation from NOAA, USGS, NASA FIRMS, and PCS with failover logic

02

ZK Infrastructure

Zero-knowledge proof circuits for collateral verification and underwriting integrity

03

Regulatory Engine

Controls designed to support jurisdiction-specific compliance review; permissions and regulatory recognition require separate determinations

Technical Documentation
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