Atomica is a risk-transfer protocol built for Web3. 
It allows you to create on-chain insurance markets that are automated, perpetual, and fully composable.
Insurance Markets
Create custom insurance markets for risks like smart contract exploits, stablecoin depegs, or real-world events. Set your own risk terms, premiums, and coverage rules.
Use Cases:
DeFi protocols offering user protection.
Protocols can embed Atomica coverage directly into their platform, giving users the option to insure deposits, trades, or interactions — increasing trust and long-term liquidity retention.
L2s adding native coverage for ecosystem
Layer 2 networks can offer ecosystem-wide insurance infrastructure, enabling dApps and protocols to launch risk-managed products and attract more serious capital and developers.
Real-world event-based parametric insurance
Atomica allows anyone to create on-chain insurance tied to off-chain data (like weather, flight delays, or price movements), unlocking new RWA and microinsurance models without intermediaries.
Liquidity Pools
Supply capital to underwrite risk and earn premiums. Each pool is tied to specific insurance markets and can be configured for different tokens and strategies.
Use Cases:
Institutional or retail capital
Capital providers can supply liquidity to Atomica’s insurance pools and earn yield from real insurance premiums — a risk-adjusted, on-chain alternative to traditional DeFi farming.
Token communities
backing ecosystem risks
Projects can mobilize their own token holders to stake into protection pools, turning community support into an active layer of risk coverage and incentivized participation.
Treasury DAOs monetizing idle assets
DAOs can deploy unused treasury funds into curated insurance markets, earning yield while supporting aligned protocols and contributing to the security of the broader ecosystem.
Custom Roles & Governance
Atomica’s architecture supports a variety of actors including Market Managers, Risk Evaluators, Payout Approvers, and more — all configurable per deployment.
Use Cases:
DAO-managed insurance protocols
DAOs can launch and manage their own branded insurance products using Atomica — fully on-chain, customizable, and governed by token holders or dedicated subDAOs.
Multi-sig controlled payouts
Insurance payouts can be governed by multi-sig wallets, giving teams or communities full control over claims approval, capital flow, and risk governance.
Third-party adjusters or arbitration systems
Protocols can integrate with services like UMA, Kleros, or custom oracles to handle claims validation and payout logic — enabling decentralized, trust-minimized insurance operations.
