We architect, develop, and deploy custom Solidity smart contracts that form the backbone of your Web3 application. Our focus is on security-first development and gas optimization from day one, ensuring your protocol is both resilient and cost-effective to operate.
LABS
Services
Decentralized Reinsurance Protocol Consulting
We design and build the technical architecture for protocols that enable primary insurers to hedge payment guarantee risk using decentralized capital pools. Achieve capital efficiency, transparency, and resilience.
Chainscore © 2026
overview
CORE SERVICE
Smart Contract Development
Secure, production-ready smart contracts built to your exact specifications.
From token standards to complex DeFi logic, we deliver battle-tested code that executes as intended.
- Comprehensive Development: Full lifecycle support from ideation and architecture to deployment and maintenance on
EVMchains like Ethereum, Polygon, and Arbitrum. - Security by Design: Built with
OpenZeppelinlibraries, followed by rigorous internal audits and formal verification to mitigate vulnerabilities before deployment. - Gas-Efficient Code: Every line is optimized for execution cost, directly reducing end-user transaction fees and improving protocol competitiveness.
- Clear Deliverables: Production-ready source code, comprehensive documentation, and deployment scripts for a turnkey solution.
key-features-cards
BUILDING BLOCKS FOR CAPITAL EFFICIENCY
Core Protocol Architecture Components We Deliver
We architect and deliver the foundational smart contract systems that power secure, scalable, and capital-efficient reinsurance protocols. Each component is built for production, with security and regulatory compliance as first principles.
01
Capital Pool & Risk Vaults
Secure, multi-asset vaults for underwriting capital with automated yield strategies. Built with ERC-4626 standards for composability and real-time solvency tracking.
Client Value: Attract and manage institutional capital with transparent, auditable fund flows and automated compliance checks.
SOC 2 Type II
Audit Framework
ERC-4626
Composability Standard
02
Parametric Trigger Oracles
Custom oracle networks for verifiable, real-world event data (e.g., hurricane wind speed, earthquake magnitude). Includes fallback mechanisms and dispute resolution layers.
Client Value: Enable fast, objective claims settlement—reducing disputes and payout times from months to hours.
< 1 hour
Claim Payout SLA
3+ Feeds
Data Redundancy
03
Reinsurance Smart Contracts
Modular contract suites for treaty creation, premium calculation, loss sharing, and claims adjudication. Implements industry-standard terms like Quota Share and Excess of Loss.
Client Value: Launch new reinsurance products in weeks, not years, with enforceable, transparent contract terms on-chain.
4 weeks
Avg. Time-to-Market
OpenZeppelin
Security Audit
04
Capital Model & Actuarial Engine
On-chain and off-chain engines for risk modeling, premium pricing, and exposure management. Integrates historical data and stochastic simulations for accurate risk assessment.
Client Value: Make data-driven underwriting decisions with models that are transparent to capital providers, building trust and capital efficiency.
99.9%
Model Accuracy SLA
Real-time
Exposure Dashboards
05
Governance & DAO Framework
Secure voting systems for protocol parameter updates, capital allocation, and dispute arbitration. Includes timelocks, multi-sig safeguards, and delegate voting.
Client Value: Decentralize key decisions to stakeholders (capital providers, cedents) while maintaining operational security and regulatory oversight.
48-hour
Timelock Minimum
Gnosis Safe
Multi-sig Standard
06
Regulatory Compliance Layer
Modular KYC/AML attestation, accredited investor verification, and jurisdictional rule enforcement. Designed for interoperability with existing compliance providers.
Client Value: Operate in regulated markets with confidence. Onboard institutional participants seamlessly while meeting global regulatory requirements.
GDPR/CCPA
Data Compliance
Travel Rule
Protocol Ready
benefits
MEASURABLE IMPACT
Business Outcomes for Insurers and FinTechs
Our consulting delivers concrete, auditable results that directly enhance your capital efficiency, risk management, and market agility.
01
Capital Efficiency & Liquidity
Deploy smart contract-based reinsurance treaties to unlock trapped capital. We architect protocols that enable on-chain collateralization, reducing counterparty risk and freeing up capital for underwriting or investment.
20-40%
Capital Release
Real-time
Collateral Visibility
02
Automated Claims & Payouts
Implement parametric triggers and oracle integrations (Chainlink, Pyth) for claims that settle automatically. Eliminate manual adjudication delays and reduce operational costs for high-frequency, low-severity events.
< 24 hours
Settlement Time
70%
Ops Cost Reduction
03
Enhanced Risk Modeling
Integrate on-chain data and DeFi yield sources into your actuarial models. We build the infrastructure to tokenize risk pools and access diversified, global reinsurance capacity.
New Asset Classes
Portfolio Diversification
On-chain
Data Transparency
04
Regulatory & Audit Compliance
Develop with built-in compliance hooks (e.g., travel rule modules, KYC/AML attestations) and full audit trails. Every transaction is immutable and verifiable, simplifying regulatory reporting.
Immutable
Audit Trail
OpenZeppelin
Security Standard
05
Faster Product Launches
Leverage our pre-audited protocol templates and modular architecture for catastrophe bonds, sidecars, or ILS products. Accelerate your time-to-market for innovative risk transfer solutions.
8-12 weeks
Protocol Launch
Pre-audited
Code Base
06
New Revenue Streams
Create and tokenize insurance-linked securities (ILS) to tap into the growing DeFi investor base. We design the smart contracts and economic models to launch your own yield-bearing risk tranches.
Global
Investor Access
Programmable
Yield Strategies
Architectural Comparison
Decentralized vs. Traditional Reinsurance for Payment Guarantees
A technical and operational comparison of blockchain-based reinsurance protocols versus legacy systems for securing payment guarantees and escrow services.
| Architectural Factor | Traditional Reinsurance | Decentralized Protocol |
|---|---|---|
Capital Efficiency | Low (30-60% collateralized) | High (Near 100% via smart contracts) |
Claim Settlement Time | 30-90 days | < 7 days (automated) |
Transparency & Auditability | Opaque, manual audits | Fully on-chain, real-time verification |
Counterparty Risk | High (single entity) | Minimal (distributed across capital providers) |
Integration Complexity | High (manual APIs, legal) | Low (standardized smart contract interfaces) |
Global Accessibility | Limited by jurisdiction | Permissionless, borderless participation |
Operational Cost | High (20-30% of premium) | Low (5-10% protocol fees) |
Fraud Resistance | Reactive, manual investigation | Proactive, code-enforced logic |
Time to Launch New Product | 6-18 months | 4-12 weeks |
Regulatory Compliance | Established but rigid | Emerging, adaptable (KYC/AML layers) |
how-we-deliver
PROVEN METHODOLOGY
Our End-to-End Development and Consulting Process
From initial architecture to mainnet deployment, our structured process ensures your reinsurance protocol is secure, compliant, and market-ready. We deliver tangible outcomes, not just code.
01
Architecture & Risk Modeling
We design your protocol's core architecture, including capital pools, risk tranching, and claims validation logic. Our models are based on actuarial best practices and on-chain data oracles for accurate pricing.
2-4 weeks
Design Phase
100%
Spec Review
02
Smart Contract Development
Secure, gas-optimized Solidity/Vyper development for core protocol logic: policy issuance, premium collection, capital locking, and automated claims adjudication. Built with OpenZeppelin standards.
6-10 weeks
Dev Sprint
0.8+
Solidity
04
Regulatory & Compliance Framework
Guidance on structuring your protocol to navigate global insurance regulations (e.g., ILS frameworks, Solvency II considerations). We design compliant KYC/AML gateways and reporting modules.
5+
Jurisdictions
ILS
Framework Ready
05
Integration & Oracles
Seamless integration with off-chain data sources for parametric triggers (e.g., weather, flight data) and traditional finance rails for fiat on/off-ramps and stablecoin settlements.
Chainlink
Oracle Partner
< 1 sec
Data Latency
06
Deployment & Go-To-Market
Managed mainnet deployment with multi-sig governance setup, front-end dApp development, and documentation. We provide launch support for initial capital providers and reinsurers.
1 week
Deployment
24/7
Launch Support
security-compliance
CORE SERVICE
Smart Contract Development
Secure, production-ready smart contracts built by experts for your Web3 application.
We architect and deploy custom smart contracts that are secure, gas-optimized, and tailored to your specific business logic. Our development process is built on Solidity 0.8+ with OpenZeppelin standards and includes comprehensive unit testing.
From token launches to complex DeFi protocols, we deliver contracts you can trust to handle real value.
- Security-First Approach: Multi-stage audits, formal verification, and battle-tested patterns.
- Full-Stack Integration: Seamless connection to your frontend via Web3.js or Ethers.js.
- Deployment & Management: We handle mainnet deployment, verification, and provide upgradeability strategies using Transparent Proxy patterns.
Typical deliverables include ERC-20, ERC-721, ERC-1155 tokens, custom staking contracts, multi-signature wallets, and automated market makers (AMMs). We ensure gas efficiency can reduce user transaction costs by up to 40% versus unaudited code.
Expert Answers for CTOs & Founders
Decentralized Reinsurance Protocol FAQ
Clear, technical answers to the most common questions from FinTech leaders evaluating a decentralized reinsurance protocol build.
We operate on a fixed-scope, fixed-price model for core protocol development, typically delivered in 8-12 weeks. This includes smart contract architecture, economic modeling, and initial front-end integration. The process follows our 4-phase methodology: Discovery & Design (1-2 weeks), Core Development (4-6 weeks), Security Audit & Testing (2-3 weeks), and Mainnet Deployment (1 week). For ongoing R&D or complex parametric triggers, we provide custom quotes.
ENQUIRY
Get In Touch
today.
Our experts will offer a free quote and a 30min call to discuss your project.
NDA Protected
Confidentiality24h Response
Time to ValueDirectly to Engineering Team
No Sales Fluff10+
Protocols Shipped
$20M+
TVL Overall