Early Access — Launching Q3 2026

Decentralized insurance
for the people.

256M is a decentralized mutual insurance protocol for luxury watch theft coverage. Fairer prices for policyholders. Real yield for liquidity providers. All on-chain, all transparent. Web3 insurance, reimagined.

Join the Waitlist Get a Quote → How It Works ↓
≤20%
Target LP Yield*
22–43%
Cheaper premiums
100%
On-chain & verifiable
*Target yield is indicative and not guaranteed. Past performance is not indicative of future results.
256M
Starting with what matters

Luxury watch insurance,
reimagined.

We're launching with luxury watch theft insurance in Switzerland — a CHF 5B+ market where traditional insurers overcharge and underdeliver. 256M brings decentralized insurance to real-world luxury item coverage. This is our wedge. Not the ceiling.

Now Luxury watch theft — Switzerland
Next Broader luxury goods & jewellery
Then Gadgets, term life, on-chain security
How it works

Simple. Transparent. Mutual.

No middlemen inflating your premiums. No hidden clauses. Just pooled capital, smart contracts, and shared upside — that's the power of web3 insurance.

01

Pool capital on-chain

Liquidity providers deposit stablecoins into modular decentralized insurance pools. Capital earns DeFi yield and premium income simultaneously.

02

Price risk with AI

Our actuarial engine uses multi-factor risk scoring to price watch insurance policies fairly — so low-risk policyholders pay less, not more.

03

Share the upside

As a mutual, profits flow back. LPs earn 80% of net income. Policyholders share 20% as members — plus genuinely fairer premiums on luxury item insurance.

Choose your path

Two ways to participate.

📈

Provide Liquidity

Deposit stablecoins. Earn yield from DeFi strategies and insurance premiums. Your capital backs real-world coverage.

  • 80% of net pool income distributed to LPs
  • DeFi yield + premium income in one position
  • Withdraw anytime — LP tokens tradable on secondary markets
  • Proven DeFi yield strategy running 24+ months via 512M
Generate up to 20% yield backed by real premiums*
🛡️

Get Covered

Insure your luxury watch against theft. AI-powered pricing means low-risk profiles pay genuinely fair premiums.

  • 22–43% cheaper than traditional insurers
  • Earn 20% of pool profits as a mutual member
  • Claims paid within 24 hours to your wallet
  • On-chain verification — your cover is always provable
Starting with luxury watch theft cover in Switzerland
FAQ

Common questions.

What does a 256M policy cover?
256M policies cover theft of luxury watches. If your insured watch is stolen, you file a claim with supporting evidence (police report, proof of ownership) and, once verified, your claim is paid directly to your wallet. We also offer an optional Theft & Loss tier that extends coverage to accidental loss, subject to a 20% deductible on loss claims.
How does 256M stay solvent?
Every policy is backed by real capital in on-chain liquidity pools. Liquidity Providers (LPs) deposit stablecoins that serve as the claims reserve. This capital simultaneously earns yield from DeFi strategies and insurance premiums, creating a sustainable funding model. Our actuarial engine prices risk accurately so that premiums collected exceed expected claims, and capital adequacy ratios are maintained transparently on-chain at all times.
How is pricing determined?
Our actuarial engine evaluates multiple risk factors — including brand tier, watch recognisability, your country, storage security, wear frequency, claims history, and more. Lower-risk profiles pay genuinely lower premiums. Rates typically fall between 1–4% of your watch's value annually, which is competitive with or cheaper than traditional insurers.
Is 256M regulated?
256M is a Swiss-based company. We are planning to launch in Q3 2026 pending a regulatory review in line with the micro-insurance exemption under FINMA (the Swiss Financial Market Supervisory Authority). Until regulatory approval is confirmed, 256M is not yet authorised to issue insurance policies.
Are the quotes on this site binding?
No. All quotes generated on this website are indicative estimates only and do not constitute a current or active offer of insurance. They are designed to give you an idea of what your premium could look like when we launch. Final premiums will be determined during the full underwriting process once 256M is live.
How are claims paid?
Claims are paid directly to your wallet in stablecoins. Once your claim is verified (typically within 24 hours), the payout is processed on-chain — no intermediaries, no delays. The entire claims process is transparent and auditable.
256M is not yet live. All pricing shown on this website is indicative only and does not constitute an offer of insurance. Launch is planned for Q3 2026, subject to regulatory review under FINMA's micro-insurance exemption framework.