Programmable Risk Infrastructure

The world's first blockchain-enabled catastrophe reinsurance marketplace

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Core Innovations

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

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

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
  • NAIC-compliant credit for reinsurance

Token Architecture

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

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

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

How It Works

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

1

Physics-Aware Risk Assessment

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

  • 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
2

Comprehensive Tokenization

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

  • 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
3

Automated Market Making

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

  • 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
4

Liquid Risk Markets

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

  • 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
Introduction of 5: How It Works

Infrastructure & Integration

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

Oracle Network

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

ZK Infrastructure

Zero-knowledge proof circuits for collateral verification and underwriting integrity

Regulatory Engine

Automated NAIC, Solvency II, and multi-jurisdictional compliance enforcement

Technical Documentation

Market Impact

$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

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

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

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