Decentralized Parametric
Insurance Infrastructure
The solution to the binary risk of traditional Cat Bonds. Multi-tranche architecture on ERC-4626 enabling Soft Default and Fully Funded solvency.
Full-Stack Insurance Infrastructure
Quantitative risk management with institutional-grade security for DeFi insurance vaults.
First Loss Capital
The insurer commits their own capital first via Junior Tranche, creating a safety buffer for Senior investors.
Waterfall Mechanism
Sequential loss absorption protects Senior tranche through systematic capital hierarchy during catastrophic events.
Yield Splitting
Asymmetric yield distribution: Senior receives stable APR while Junior captures leveraged premium returns.
Oracle Integration
Automated triggering via UMA oracles with certified data streams from USGS, NOAA for objective claims.
Anti-Inflation Attack
Dead Shares minting at initialization locks exchange rate and prevents donation attacks on ERC-4626.
Fully Funded
Mathematical verification ensures TotalAssets >= Capacity before any deposit, eliminating counterparty risk.
Supported Risk Categories
An agnostic infrastructure driven by UMA Oracles and IoT sensors for all measurable parametric risks.
Climate & Weather
Parametric Cat Bonds for natural disasters. Triggered by NOAA, USGS data: hurricanes, earthquakes, wildfires, floods.
Real Estate (IoT)
Automated coverage via on-site sensors. Fires, flooding, and seismic damage detection through smart buildings.
Maritime (IoT)
Supply chain and vessel telemetry protection. Onboard sensors for incidents, sinking, and cargo spoilage.
Cyber Security
On-chain native digital risk mitigation. Smart contract exploits and massive IT outages coverage.
Business Interruption
Corporate financial buffers. Triggered by verifiable metrics: revenue drops and supply chain delays.
Flight & Travel
Aviation and tourism coverage. Mass cancellations, airspace closures, and airport strikes protection.
Multi-Tranche Architecture
The HPIV standard introduces a capital hierarchy to absorb shocks without liquidating investors.
Insurer First Loss
Sponsor commits capital first - 100% loss absorption before any investor impact.
Premium Reserve Buffer
Ring-fenced premium reserve absorbs secondary losses after insurer capital.
Junior Tranche (ERC-20)
High-risk, high-reward investors absorb remaining losses with leveraged APR.
Senior Tranche (ERC-4626)
Protected investors - only exposed after total exhaustion of all lower tranches.
Soft Default Simulation
Vault $40M | Claim $8M
Senior investors protected through systematic capital hierarchy
Swiss Regulatory Framework
Designed according to revised ISA requirements and the DLT/TRD Law.
VUSA (Art. 30e ISA)
Insurance Special Purpose Vehicle structure. Risk transformer fully funded by the capital market with Art. 111d ISO compliance.
DLT Law (Art. 973d CO)
HPIV tokens qualified as Ledger-based Securities. Blockchain acts as official registry of ownership.
AMLA & FinSA
Permissioned DeFi with KYB/KYC Whitelisting. Qualified Investors exemption aligned with institutional standards.
Protocol Deep Dive
Explore the technical foundations powering Moeba Protocol's decentralized insurance infrastructure.
Smart Contracts
ERC-4626 Tokenized Vault Standard with multi-tranche architecture. Audited Solidity contracts on Ethereum/Polygon.
Oracle Integration
UMA Optimistic Oracle for dispute resolution. Real-time data feeds from certified sources for parametric triggers.
Tokenomics & Yields
Asymmetric yield distribution model. Senior APR stability vs Junior leveraged returns through premium allocation.
Soft Default Waterfall
Sequential loss absorption protecting Senior investors
Ready to Build the Future of Insurance?
Join the decentralized insurance revolution with institutional-grade infrastructure.