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.
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.
No middlemen inflating your premiums. No hidden clauses. Just pooled capital, smart contracts, and shared upside — that's the power of web3 insurance.
Liquidity providers deposit stablecoins into modular decentralized insurance pools. Capital earns DeFi yield and premium income simultaneously.
Our actuarial engine uses 15-factor risk scoring to price watch insurance policies fairly — so low-risk policyholders pay less, not more.
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.
Deposit stablecoins. Earn yield from DeFi strategies and insurance premiums. Your capital backs real-world coverage.
Insure your luxury watch against theft. AI-powered pricing means low-risk profiles pay genuinely fair premiums.