Web3 裏大家最關心資產安全，資產保險得說清 “保什麼、怎麼賠、錢夠不夠、誰擔保”。

@vooi_io|#VOOI
和 Nexus Mutual 合作保跨鏈時的資產丟失，因合約漏洞、節點故障導致損失，單用戶一次最多賠 50 萬刀。用戶提交交易哈希，系統 10 分鍾核驗，24 小時內賠付。2024 年公鏈硬分叉時，37 個用戶全獲賠。保險金來自每月跨鏈手續費的 5%（現 1200 萬刀），還有再保險兜底，保障力 90%。
@cookiedotfun|#COOKIE SNAPS
聯合 Bridge Mutual 保插件漏洞導致的私鑰泄露，單錢包一年最多賠 20 萬刀。用戶提交設備日志哈希就能理賠，平均 48 小時到帳。2024 年某插件漏洞，12 個用戶全獲賠。保險金來自生態基金 300 萬刀，加每月插件收益 3%，開發者還得交 5% 保證金，多重保障。
@build_on_bob|#BuildOnBOB
和 Etherisc 合作保定制鏈故障導致的資產損失，因框架漏洞、欺詐證明失效等，每條鏈最多賠 1000 萬刀。定制鏈緊急暫停時自動定損，48 小時內按鏈上快照賠付。2023 年某遊戲鏈故障，用戶 24 小時後全獲賠。保險金來自預售收入 10%（500 萬刀）、項目方 2% 部署費等，現儲備 2300 萬刀，能覆蓋 20 多條鏈。
@RaylsLabs|#RaylsLabs
推出審計質量險，經其審計的項目 3 個月內遭已知漏洞攻擊，賠損失的 80%，單項目最多 5000 萬刀（需漏洞在數據庫且項目已修復）。2023 年某項目遇新型漏洞攻擊，雖未理賠，但平台補了 10% 損失。保險金來自審計收入 15%（每季度約 200 萬刀），現 1800 萬刀，覆蓋 80% 合作項目。
@LABtrade_|#LAB
和 Unslashed Finance 合作保交易滑點超標，因平台算法錯導致滑點超閾值，自動賠超額部分，單筆最多 50 萬刀。2024 年公鏈擁堵時，1200 筆交易 1 小時內獲賠 32 萬刀。保險金來自手續費 8%（每月約 150 萬刀），現 1200 萬刀，加做市商分成補充。
@useTria|#useTria
聯合 InsurAce 保身分被盜用導致的資產損失，單身分一年最多賠 10 萬刀。用戶提供鏈上異常證據，第三方驗證後 72 小時賠付。測試網模擬被盜時全額賠付。保險金初期 200 萬刀，計劃從服務費抽 5% 補充，首年免費投保。
@tenprotocol|#TenProtocol
保隱私數據泄露，企業用戶最多賠 2000 萬刀，個人 5 萬刀，需第三方證明是系統漏洞導致。2024 年某醫療項目操作失誤泄露數據，未理賠。保險金來自企業費用 10%（年約 300 萬刀）和代幣銷售 5%，現和 Armor 合作再保險。
@Almanak__|#Almanak
和 Nexus Mutual 合作保 DAO 決策失誤損失，因決策漏洞導致資金異常流出，賠 50%，單 DAO 最多 1000 萬刀。2023 年某 DAO 參數設錯丟 100 萬刀，獲賠 50 萬刀。保險金來自 DAO 服務費 3% 和代幣質押收益 10%，現儲備 800 萬刀。
@antix_in|#antix
保數字人 NFT 被盜或交易異常，單 NFT 按鑄造成本 120% 賠，最多 5 萬刀。用戶提供鏈上記錄和報警證明，48 小時賠付。2023 年某用戶因釣魚丟 NFT，全獲賠。保險金來自鑄造費 5%（月約 80 萬刀）和生態基金 100 萬刀，現 650 萬刀。
@VeloraDEX|#Velora
和 Unslashed Finance 合作保指令解析錯誤損失，因引擎錯導致交易不符指令，賠差額，單筆最多 100 萬刀。系統自動比對，24 小時內賠付。2024 年某用戶因歧義虧損，獲賠 2.3 萬刀。保險金來自手續費 10%（月約 120 萬刀），現 900 萬刀。
@recallnet|#Recall
保合作媒體內容被篡改的商業損失，賠 70%，單媒體年最多 500 萬刀。2023 年某媒體新聞被改導致廣告商撤資，獲賠 120 萬刀。保險金來自合作費 8% 和代幣收益 10%，現 600 萬刀。
@OpenLedgerHQ|#OpenLedger
和 InsurAce 合作保 DAO 遭攻擊損失，因女巫攻擊、提案劫持等，單 DAO 最多 2000 萬刀。2024 年某 DAO 遇攻擊未遂，平台提前墊 10 萬刀加固。保險金來自 DAO 服務費 2% 和代幣收益 5%，現 1500 萬刀。

這些項目的保險都針對核心風險，理賠和鏈上數據掛鉤，錢來自手續費、基金等，能給用戶資產實實在在的保障。
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 補充 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 異常 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.