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LABS
Services
Insurance Wrapper for Collateralized Loans
We develop custom smart contracts that integrate decentralized insurance protocols to underwrite P2P loans, protecting lenders against collateral shortfall and smart contract failure.
Chainscore © 2026
overview
FROM ARCHITECTURE TO DEPLOYMENT
Custom Blockchain Development
End-to-end development of custom blockchains and L2 solutions tailored to your business logic.
We don't just deploy a template; we engineer a chain that scales with your vision and user base.
- L1 & L2 Development: Build sovereign chains using
Cosmos SDK,Substrate, or custom EVM L2s withArbitrum Orbit/OP Stack. - Core Protocol Design: Implement bespoke transaction logic, fee models, and validator incentive structures.
- Full-Node Infrastructure: Deploy and manage your network's foundational nodes for >99.9% uptime.
- Chain Tooling & SDKs: Provide developer SDKs, block explorers, and wallets to bootstrap your ecosystem.
key-features-cards
BUILT FOR SECURITY AND SCALE
Core Components of Our Insurance Wrapper
Our modular insurance wrapper for collateralized loans is engineered to de-risk lending protocols and unlock new capital. Each component is built with institutional-grade security and battle-tested reliability.
06
Compliance & Reporting Dashboard
Real-time dashboard for monitoring exposure, claims history, capital adequacy ratios, and generating regulatory reports. All data is verifiable on-chain.
Client Value: Provides institutional clients with the transparency and audit trails required for risk management and regulatory compliance.
benefits
DELIVERABLES
Business Outcomes for Your Lending Platform
Our Insurance Wrapper for Collateralized Loans is engineered to deliver measurable improvements to your platform's risk profile, capital efficiency, and user trust. Here are the concrete outcomes you can expect.
01
Reduced Capital Reserve Requirements
We deploy on-chain parametric insurance pools that automatically cover collateral shortfalls, allowing you to lower your protocol's capital reserves by up to 40% while maintaining the same risk coverage.
Up to 40%
Capital Efficiency Gain
Real-time
Coverage Activation
02
Enhanced Borrower Trust & Onboarding
Offer borrowers a verified, audited safety net against liquidation due to oracle failures or extreme volatility. This reduces user churn and can increase loan origination volume by providing a key competitive differentiator.
> 20%
Lower Churn Rate
Audited
OpenZeppelin Standards
03
Automated, Non-Custodial Claims Processing
Eliminate manual claims overhead with smart contracts that autonomously verify oracle data and trigger payouts in under 60 seconds, ensuring a seamless user experience and reducing operational costs.
< 60 sec
Payout Time
Zero
Manual Intervention
04
Protocol Revenue Diversification
Generate a new, sustainable revenue stream through premium fees collected by the insurance wrapper. Premiums are programmatically calculated based on loan-to-value ratios and collateral volatility.
New
Revenue Stream
Risk-based
Pricing Model
05
Regulatory & Risk Framework Compliance
Our wrapper architecture is built with compliance in mind, providing clear audit trails for all coverage and payout events. This helps platforms demonstrate robust risk management to partners and regulators.
Immutable
Audit Trail
Modular
Compliance Layer
06
Faster Time-to-Market for New Assets
Safely onboard volatile or long-tail assets as collateral by pairing them with our insurance layer from day one. This accelerates your platform's asset expansion strategy without proportionally increasing risk.
Weeks
Faster Integration
Any ERC-20
Asset Support
Structured Development Paths
Implementation Tiers & Deliverables
Choose the development and support package that matches your project's scale, risk profile, and operational needs. All tiers include a comprehensive smart contract audit.
| Feature / Deliverable | Starter | Professional | Enterprise |
|---|---|---|---|
Custom Smart Contract Development | |||
Comprehensive Security Audit (2 Rounds) | |||
Deployment & Mainnet Launch Support | |||
Integration with Oracle Feeds (e.g., Chainlink) | Basic Price Feeds | Custom Data Feeds + Keeper | Custom Data Feeds + Keeper |
Ongoing Monitoring & Alerting | Self-Hosted Dashboard | Managed Dashboard + Alerts | Managed Dashboard + Alerts |
Incident Response Time SLA | 24 Business Hours | < 4 Hours, 24/7 | |
Protocol Upgrades & Maintenance | Ad-hoc (Hourly) | Quarterly Review | Monthly Review + Priority Execution |
Technical Support & Consultation | Priority Slack Channel | Dedicated Technical Account Manager | |
Estimated Delivery Timeline | 4-6 Weeks | 6-10 Weeks | 10-16 Weeks |
Typical Project Investment | $40K - $80K | $80K - $150K | Custom Quote ($150K+) |
how-we-deliver
PROVEN METHODOLOGY
Our Development & Integration Process
A structured, four-phase approach designed to deliver secure, compliant, and production-ready insurance wrappers for your collateralized loan protocol. We focus on rapid integration and measurable outcomes.
01
Architecture & Risk Assessment
We conduct a deep technical audit of your existing loan protocol to model risk vectors and design a custom insurance wrapper architecture. This includes defining coverage triggers, premium models, and capital pool structures.
1-2 weeks
Design Phase
100%
Protocol Coverage
02
Smart Contract Development
Our team builds the core insurance smart contracts in Solidity 0.8+, utilizing battle-tested libraries like OpenZeppelin. We implement automated claims adjudication, premium calculations, and secure fund management.
3-4 weeks
Development Time
Gas-Optimized
Contract Design
03
Security & Compliance Audit
Every insurance wrapper undergoes a rigorous, multi-layered security review. This includes internal audits, automated analysis with Slither, and a final review by a leading third-party firm to ensure capital protection.
Full Audit
Security Guarantee
Zero Critical
Vulnerability Target
04
Integration & Go-Live
We handle the full integration of the insurance wrapper with your front-end and back-end systems. This includes testing on testnets, deploying to mainnet, and providing comprehensive documentation for your team and users.
< 1 week
Integration Sprint
24/7
Launch Support
security
CORE SERVICE
Smart Contract Development
Secure, production-ready smart contracts built by Web3 experts to power your protocol.
We architect and deploy custom smart contracts that form the secure, immutable backbone of your application. Our development process is built on Solana, EVM, and Move-based chains using battle-tested frameworks like Anchor and Hardhat.
- Security-First Development: Every contract undergoes rigorous audits and formal verification, leveraging
OpenZeppelinlibraries and industry-standard patterns. - Gas Optimization: We write efficient code to minimize transaction costs by up to 40%, a critical factor for user adoption.
- Full Lifecycle Support: From initial design and
Truffletesting to mainnet deployment and upgrade management via transparent proxy patterns.
Deliver a secure, audited, and gas-optimized MVP in as little as 3-4 weeks, reducing your technical risk and accelerating time-to-market.
Technical & Commercial Insights
Insurance Wrapper Development FAQ
Get clear, specific answers to the most common questions CTOs and founders ask when evaluating a custom insurance wrapper for their lending protocol.
A standard insurance wrapper deployment takes 2-4 weeks from finalized spec to mainnet launch. This includes smart contract development, unit/integration testing, and deployment to a testnet for client review. Complex integrations (e.g., multi-chain oracles, novel payout mechanisms) can extend this to 6-8 weeks. We provide a detailed sprint-by-sprint timeline in our initial proposal.
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