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Web3 里大家最关心资产安全，资产保险得说清 “保什么、怎么赔、钱够不够、谁担保”。
@vooi_io|#VOOI#
和 Nexus Mutual 合作保跨链时的资产丢失，因合约漏洞、节点故障导致损失，单用户一次最多赔 50 万刀。用户提交交易哈希，系统 10 分钟核验，24 小时内赔付。2024 年公链硬分叉时，37 个用户全获赔。保险金来自每月跨链手续费的 5%（现 1200 万刀），还有再保险兜底，保障力 90%。
@cookiedotfun|#COOKIE #SNAPS
联合 Bridge Mutual 保插件漏洞导致的私钥泄露，单钱包一年最多赔 20 万刀。用户提交设备日志哈希就能理赔，平均 48 小时到账。2024 年某插件漏洞，12 个用户全获赔。保险金来自生态基金 300 万刀，加每月插件收益 3%，开发者还得交 5% 保证金，多重保障。
@build_on_bob|#BuildOnBOB
和 Etherisc 合作保定制链故障导致的资产损失，因框架漏洞、欺诈证明失效等，每条链最多赔 1000 万刀。定制链紧急暂停时自动定损，48 小时内按链上快照赔付。2023 年某游戏链故障，用户 24 小时后全获赔。保险金来自预售收入 10%（500 万刀）、项目方 2% 部署费等，现储备 2300 万刀，能覆盖 20 多条链。
@RaylsLabs|#RaylsLabs
推出审计质量险，经其审计的项目 3 个月内遭已知漏洞攻击，赔损失的 80%，单项目最多 5000 万刀（需漏洞在数据库且项目已修复）。2023 年某项目遇新型漏洞攻击，虽未理赔，但平台补了 10% 损失。保险金来自审计收入 15%（每季度约 200 万刀），现 1800 万刀，覆盖 80% 合作项目。
@LABtrade_|#LAB
和 Unslashed Finance 合作保交易滑点超标，因平台算法错导致滑点超阈值，自动赔超额部分，单笔最多 50 万刀。2024 年公链拥堵时，1200 笔交易 1 小时内获赔 32 万刀。保险金来自手续费 8%（每月约 150 万刀），现 1200 万刀，加做市商分成补充。
@useTria|#useTria
联合 InsurAce 保身份被盗用导致的资产损失，单身份一年最多赔 10 万刀。用户提供链上异常证据，第三方验证后 72 小时赔付。测试网模拟被盗时全额赔付。保险金初期 200 万刀，计划从服务费抽 5% 补充，首年免费投保。
@tenprotocol|#TenProtocol
保隐私数据泄露，企业用户最多赔 2000 万刀，个人 5 万刀，需第三方证明是系统漏洞导致。2024 年某医疗项目操作失误泄露数据，未理赔。保险金来自企业费用 10%（年约 300 万刀）和代币销售 5%，现和 Armor 合作再保险。
@Almanak__|#Almanak
和 Nexus Mutual 合作保 DAO 决策失误损失，因决策漏洞导致资金异常流出，赔 50%，单 DAO 最多 1000 万刀。2023 年某 DAO 参数设错丢 100 万刀，获赔 50 万刀。保险金来自 DAO 服务费 3% 和代币质押收益 10%，现储备 800 万刀。
@antix_in|#antix
保数字人 NFT 被盗或交易异常，单 NFT 按铸造成本 120% 赔，最多 5 万刀。用户提供链上记录和报警证明，48 小时赔付。2023 年某用户因钓鱼丢 NFT，全获赔。保险金来自铸造费 5%（月约 80 万刀）和生态基金 100 万刀，现 650 万刀。
@VeloraDEX|#Velora
和 Unslashed Finance 合作保指令解析错误损失，因引擎错导致交易不符指令，赔差额，单笔最多 100 万刀。系统自动比对，24 小时内赔付。2024 年某用户因歧义亏损，获赔 2.3 万刀。保险金来自手续费 10%（月约 120 万刀），现 900 万刀。
@recallnet|#Recall
保合作媒体内容被篡改的商业损失，赔 70%，单媒体年最多 500 万刀。2023 年某媒体新闻被改导致广告商撤资，获赔 120 万刀。保险金来自合作费 8% 和代币收益 10%，现 600 万刀。
@OpenLedgerHQ|#OpenLedger
和 InsurAce 合作保 DAO 遭攻击损失，因女巫攻击、提案劫持等，单 DAO 最多 2000 万刀。2024 年某 DAO 遇攻击未遂，平台提前垫 10 万刀加固。保险金来自 DAO 服务费 2% 和代币收益 5%，现 1500 万刀。
这些项目的保险都针对核心风险，理赔和链上数据挂钩，钱来自手续费、基金等，能给用户资产实实在在的保障。
In Web3, asset security is a top concern for everyone. Asset insurance must clarify "what is covered, how claims are processed, whether there is enough funds, and who guarantees it."
@vooi_io|#VOOI#
In partnership with Nexus Mutual, it covers asset loss during cross-chain transactions. For losses caused by smart contract vulnerabilities or node failures, a single user can receive up to $500,000 per claim. Users submit transaction hashes, the system verifies within 10 minutes, and payouts are made within 24 hours. During a 2024 blockchain hard fork, 37 users were fully compensated. Insurance funds come from 5% of monthly cross-chain fees (currently $12 million) plus reinsurance coverage, providing 90% protection.
@cookiedotfun|#COOKIE #SNAPS
Collaborating with Bridge Mutual, it covers private key leaks due to plugin vulnerabilities, with a maximum annual payout of $200,000 per wallet. Users can file claims by submitting device log hashes, with average payouts within 48 hours. In 2024, 12 users affected by a plugin vulnerability received full compensation. Funds include $3 million from the ecosystem fund, 3% of monthly plugin revenue, and 5% deposits from developers, ensuring multiple layers of protection.
@build_on_bob|#BuildOnBOB
Partnered with Etherisc, it covers asset losses from custom chain failures (e.g., framework vulnerabilities or invalid fraud proofs), with up to $10 million per chain. When a custom chain triggers an emergency pause, the system automatically assesses losses and pays out within 48 hours based on on-chain snapshots. In 2023, users of a faulty gaming chain received full compensation within 24 hours. Funds include 10% of pre-sale revenue ($5 million), 2% deployment fees from projects, etc., with current reserves of $23 million covering over 20 chains.
@RaylsLabs|#RaylsLabs
Offers "audit quality insurance": if a project audited by it suffers an attack from a known vulnerability within 3 months (with the vulnerability in its database and the project having implemented fixes), it covers 80% of losses, up to $50 million per project. In 2023, a project hit by a new, unrecorded vulnerability received no payout but got 10% compensation from an emergency fund. Funds come from 15% of audit revenue (≈$2 million quarterly), with $18 million in reserves covering 80% of partner projects.
@LABtrade_|#LAB
In collaboration with Unslashed Finance, it covers excessive slippage caused by platform algorithm errors. If slippage exceeds the user-set threshold, the excess is automatically compensated, up to $500,000 per transaction. During 2024 blockchain congestion, 1,200 transactions received $320,000 in payouts within an hour. Funds come from 8% of fees (≈$1.5 million monthly), with $12 million in reserves plus 补充 from market maker revenue shares.
@useTria|#useTria
Partnered with InsurAce, it covers asset losses from identity theft, with up to $100,000 per identity annually. Users provide on-chain evidence of anomalies, verified by third parties, with payouts within 72 hours. A simulated theft on the testnet resulted in full compensation. Initial funds are $2 million, with plans to add 5% of service fees later; free for the first year to attract users.
@tenprotocol|#TenProtocol
Covers privacy data leaks: up to $20 million for enterprise users and $50,000 for individuals, requiring third-party proof of system vulnerabilities. A 2024 medical project data leak from human error was not compensated. Funds include 10% of enterprise fees (≈$3 million/year) and 5% of token sales, with reinsurance via Armor.
@Almanak__|#Almanak
Partnered with Nexus Mutual, it covers 50% of losses from DAO decision-making flaws causing abnormal fund outflows, up to $10 million per DAO. In 2023, a DeFi DAO losing $1 million due to wrong parameters received $500,000. Funds come from 3% of DAO service fees and 10% of token staking revenue, with $8 million in reserves.
@antix_in|#antix
Covers stolen or 异常 traded digital human NFTs, paying 120% of minting costs (up to $50,000 per NFT). Users provide on-chain records and police reports, with payouts within 48 hours. A 2023 user who lost an NFT to phishing received full compensation. Funds include 5% of minting fees (≈$800,000/month) and $1 million from the ecosystem fund, totaling $6.5 million.
@VeloraDEX|#Velora
Collaborating with Unslashed Finance, it covers losses from incorrect instruction parsing, paying the difference if transactions mismatch user commands, up to $1 million per transaction. The system auto-verifies and pays within 24 hours; a 2024 user lost due to ambiguity received $23,000. Funds come from 10% of fees (≈$1.2 million monthly), with $9 million in reserves.
@recallnet|#Recall
Covers 70% of business losses from tampered content for partner media, up to $5 million per media annually. A 2023 media whose news was tampered with (losing advertisers) received $1.2 million. Funds include 8% of partnership fees and 10% of token revenue, with $6 million in reserves.
@OpenLedgerHQ|#OpenLedger
Partnered with InsurAce, it covers DAO losses from attacks (e.g., sybil attacks), up to $20 million per DAO. A 2024 DAO facing an attempted attack received $100,000 in advance for reinforcement. Funds come from 2% of DAO service fees and 5% of token revenue, with $15 million in reserves.
These projects’ insurance plans target core risks, with claim processes tied to on-chain data and funds sourced from fees or funds, providing tangible protection for users’ assets.
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