The Infrastructure Layer for On-Chain Insurance

Bringing insurance on-chain for regulated financial institutions.

Design compliant, capital-efficient insurance structures under frameworks like MiCA regulation, without locking millions in idle capital.

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As Web3 and real-world assets scale, insurance becomes essential—but remains outdated.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

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.

CORE USE CASES

Tokenized Real-World Asset (RWA) Protection

For tokenized assets and yield-bearing structures:

  • Real estate

  • Trade finance

  • Infrastructure assets

With CAPTIVAS:

  • Insurance embedded into tokenized assets

  • On-chain reserve tracking

  • Yield-enhanced insurance pools

Native risk layer for tokenized finance

CASP Insurance (Regulated Crypto Actors)

For CASPs operating under MiCA regulation:

  • Custody risk

  • Operational risk

  • Depeg / liquidity events

With CAPTIVAS:

  • Shared captive pools

  • Reduced capital requirements

  • Transparent coverage

  • Faster claims

Compliant, capital-efficient insurance for digital finance

Event Attendance Protection

A new category: programmable event insurance

For large-scale events (Web3, finance, global conferences):

  • Ticket refund protection

  • Event disruption / cancellation

  • Attendance risk pooling

With CAPTIVAS:

  • Attendees opt into a shared on-chain protection pool

  • Premiums are pooled transparently

  • Payouts are automated based on predefined triggers

    Insurance becomes embedded into the ticketing experience

    CAPITAL EFFICIENCY

    Insurance without idle capital

    Traditional insurance:

    • Capital locked

    • No yield

    • High cost

    With Osmium CAPTIVAS:

    • Pooled reserves

    • Deployed into RWAs

    • Yield offsets insurance costs

    Insurance becomes a productive financial layer

    ECOSYSTEM INTEGRATION

    Connecting insurance with tokenized finance

    Osmium CAPTIVAS integrates with:

    • Stablecoins 

    • Tokenized real-world assets (RWAs)

    • Institutional liquidity providers

    A 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

    • Multi-use case: CASPs, RWAs, Events

    • Combines insurance + blockchain + RWAs

    • Enables capital efficiency at scale

    Not an insurer — a foundational financial layer

    ECOSYSTEM & PARTNERS

    We collaborate with:

    • Insurance carriers & reinsurers

    • Liquidity providers

    • Web3 infrastructure partners

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