PROBE INSURANCE

Insurance That Pays Itself.
No Claims. No Delays.

Parametric insurance on ProbeChain. Smart contracts auto-trigger payouts when conditions are met. AI underwriting via Probe Computer. Reserves backed by OZ Gold. Claims settled in 400ms, not 400 days.

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PRODUCTS

Protection for the AI Economy

Digital Asset Insurance

Coverage for on-chain assets: wallet hacks, smart contract exploits, exchange failures, private key loss. Parametric trigger: when a verified exploit is detected on-chain, payout is instant. No claim form needed.

Custody Insurance

Full coverage for assets held in OZ Vault. Physical gold, digital assets, stablecoins. Multi-sovereign storage locations insured independently. ProScan monitors custody conditions 24/7.

Mining Operations Insurance

Coverage for Probe Banks' 25 gold mining operations. Equipment failure, natural disasters, regulatory disruption, production shortfall. IoT sensors + ProScan provide real-time risk data for dynamic pricing.

Business Interruption

AI-native business coverage. Server downtime, API failures, compute shortages, regulatory compliance events. Parametric triggers: when BUN Network detects service disruption beyond SLA thresholds, payout is automatic.

MECHANISM

No Claims. No Adjusters. Just Code.

Define Parameters

Smart contract encodes trigger conditions: price thresholds, weather data, network uptime, production volumes. All verifiable on-chain.

Pay Premium

Premium calculated by Probe Computer's AI underwriting engine. Behavioral credit score (PoB) affects pricing — better behavior, lower premiums.

Monitor

ProScan V2.0 + IoT sensors continuously monitor trigger conditions. ZK-Rollup "Truth Layer" ensures data integrity.

Auto-Payout

When trigger conditions are met, smart contract auto-executes payout in OZ Gold or sUSD. 400ms. No human intervention. No paperwork.

UNDERWRITING

Risk Priced by Intelligence, Not Tradition

On-Chain History

Every transaction, every behavior, every reputation score feeds the model

Behavioral Credit Score (PoB)

Better on-chain behavior = lower premiums

IoT Sensor Data

Real-time environmental and operational data

Multi-Agent Risk Assessment

Bull/Bear debate on every policy: should we underwrite? At what price?

Dynamic Pricing

Premiums adjust in real-time based on risk signals. Not annual renewals — continuous repricing.

RESERVES

Gold-Backed Reserves. Post-Quantum Secure.

Insurance reserves held in OZ Gold (1:1 physical gold backing)

Multi-sovereign reserve distribution across 15+ jurisdictions

Post-quantum encryption (ML-DSA, Falcon-512) for all policy documents

ProScan real-time audit of reserve adequacy

Islamic finance compatible (Takaful model available)

Insurance. Instant. Intelligent. Gold-Backed.

Parametric insurance that settles in 400ms. AI underwriting. No claim forms. No delays. Just protection.