Early Access — Launching 2025

Insurance for the people,
by the people.

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

Join the Waitlist 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 theft coverage for luxury watches in Switzerland — a CHF 5B+ market where traditional insurers overcharge and underdeliver. 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.
01

Pool capital on-chain

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

02

Price risk with AI

Our actuarial engine uses 15-factor risk scoring to price 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.

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