Smart contract coverage
Every stress event survived lowers the premium.
Callus prices exploit coverage against a protocol’s own proven resilience, not a static actuarial table. Audits cleared, near misses logged and live stress events all count toward a harder, cheaper rate.
- Baseline rate
- 5.20%
- Rate floor
- 0.60%
- Recalculated
- Per stress event
Underwrite a policy
Price your coverage
Rate = floor 0.60% + (baseline 5.20% − floor) × 0.90survived. Recomputed live from the inputs above, never randomized.
How hardening works
Three steps, recalculated every time
-
01
Stress event resolved
A protocol under cover absorbs an exploit attempt, a completed audit, or a market shock without triggering a payout.
-
02
Verified on record
The event is logged against the policy with a timestamp and cannot be edited after the fact.
-
03
Rate recalculated
The next quote reflects the added layer of proven resilience. The floor rate holds; real risk is never priced at zero.
Sample ledger · illustrative data, not live claims
Claims and coverage on record
| Policy ID | Protocol | TVL covered | Stress events survived | Effective rate | Status |
|---|