Insurance is the missing layer of tokenized finance

As Web3 and real-world assets scale, insurance becomes essential—but remains outdated.

• Limited insurance capacity for digital assets

• Capital locked in inefficient reserve structures

• Manual, slow claims processes

• No integration with blockchain infrastructure

Insurance is still off-chain—while finance is moving on-chain

A new infrastructure layer for insurance

Osmium CAPTIVAS brings insurance fully on-chain

We enable:

• Creation of on-chain captive insurance structures

• Programmable risk pools

• Automated claims execution

• Capital-efficient reserve management

Transform insurance into a transparent, programmable financial layer

HOW IT WORK

A modular insurance infrastructure stack

1. Structuring Layer
Design compliant insurance and captive frameworks tailored to your regulatory environment.

2. On-Chain Pooling Layer
Premiums are pooled into transparent, programmable insurance pools.

3. Capital Layer
Reserves are deployed into tokenized real-world assets to generate yield.

4. Claims Layer
Smart contracts enable automated, auditable payouts.

WHO WE SERVE

Built for regulated financial actors

VASPs (Virtual Asset Service Providers)

• Exchanges

• Custodians

• Brokers

Also for:

• Stablecoin issuers

• Tokenization platforms

• Institutional DeFi (next phase)

• Municipalities (climate & catastrophe risk)

CAPITAL EFFICIENCY

Insurance without idle capital

Traditional model:

• Capital locked

• No yield

• High cost

With Osmium CAPTIVAS:

• Pooled reserves

• Deployed into RWAs

• Yield offsets insurance costs

Insurance becomes a productive financial asset

ECOSYSTEM INTEGRATION

Connecting insurance with tokenized finance

Osmium CAPTIVAS integrates with:

• Stablecoins (EURWA / USDRWA)

• Tokenized real-world assets (RWAs)

• Institutional liquidity providers

Seamless bridge between insurance, capital, and yield

COMPLIANCE-FIRST APPROACH

Built for regulated environments:

• Aligned with MiCA regulation

• Structured with licensed insurance partners

• Transparent, auditable, secure

Designed for institutional adoption from day one

WHY OSMIUM CAPTIVAS

 First on-chain insurance infrastructure layer

• Built for regulated Web3 finance

• Combines insurance + RWAs + blockchain

• Enables capital efficiency at scale

TOKENIZED CAPTIVE INSURANCE FOR VASP USE CASE

A VASP under MiCA

Instead of:

• Locking €5M+ in capital

• Paying high premiums

With Osmium CAPTIVAS:

• Join a programmable insurance pool

• Reduce capital requirements

• Earn yield on reserves

• Access faster claims

Compliant, efficient, scalable insurance

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