# Ensuro Protocol

## Current status 

Liquidity pool implemented. Distributes new policies between eligible providers. 


### Withdraw

Withdraw ASAP: 
 - inmediate withdraw of unlocked funds. 
 - progressive withdraw of the rest of the funds.

Timed withdraw:
 - Pending: need to implement scheduled transactions.
 - TO DO: additional parameter with the cashback period.


### Policy assignment

risk_acceptance parameter / Calculation of mean / variance / co-variance

Something to avoid algorithmically that big proportion of a LP money is in a single policy.

LP preference: expected return anual.

### Risk Modules

Additional parameters:

1. Max MCR per policy
1. MCR percentage (MCR = (prize - premium) * MCR_percentage)
1. Prize probability? 
1. Premium / Prize max relation
1. Minimal shared capital
1. Actual shared capital
1. Risk Module owner.
1. Wallet Address
1. Premium share? How the risk partners make profit?


### Ensuro profit

A configurable of premium of succesfull policies goes to "Ensuro treasury".


### Ensuro TOKEN

Will be a governance token that gives power to participate in Ensuro DAO decisions.

TOKEN mining
- Each time new capital is invested in the pool we mine TOKEN and give it to the LP.
- The amount of TOKEN will be proportional to the capital invested.
- The amount of TOKEN will be proportional to the cashback period (>cashback period --> more token)
- The amount of TOKEN will decrease with the time (to encourage early adoption)

Change the term prize --> payout??? 



---------------------------
Koala insurance:

1. Average policy premium / payout
2.




Numbers we need:

1. Average return for funds in crypto (Compound and others)
2. Average return expected by investors ()
3. % of premium that Insurtech companies take as profit. 
4. Current capital cost for insurtech companies

Underwriter license as a service:
1. Has market?
2. It's legal?




### Sub-project - Insurance Ledger

- Insurtech companies report on real-time the policies and the resolution
- Catalog of insurance products
- Gives visibility to the performance of insurance products
- Gives visibility to the capital needs and expected returns

Advantages for Insurance companies:
- Can easily show their performance, give evidence on now products.
- Gives information for a marketplace of capital needs

How it connects with Ensuro?

Gives more information about the insurance products. Now they can be executed under the Ensuro Protocol.






EToken


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