Coverage
Every coverage is represented by a transparent, verifiable certificate record. Programmable terms. Activation after premium payment verifies — not before.
Coverage Types
The Protection Certificate
When you activate a SIMA protection plan, you receive a certificate that records your coverage amount, premium, deductible, rules version, and expiry. Certificate terms are locked at activation and cannot be changed retroactively.
Every certificate is verifiable, transparent, non-transferable, and non-custodial.
Verifiable on-chain
Transparent terms
Non-transferable
Non-custodial
Certificate Mathematics
The maximum net payment is calculated from your loss amount, coverage amount, deductible percentage, and a malicious factor that protects against fraud. N will never exceed C − (C × d), and all values are denominated in SOL.
The total asset value covered under your certificate, denominated in SOL.
The percentage of the loss you bear before SIMA coverage applies.
AI-assessed factor applied when a loss event is determined to involve malicious activity. Ensures fairness and protects against fraud.
The verified loss value assessed by the SIMA risk engine at the time of the claim event.
The maximum payout SIMA will make on a valid claim. Guarantees fairness, sustainability, and protection against moral hazard and fraud.
Activation
Connect your Phantom or EVM wallet. SIMA verifies ownership via cryptographic challenge — no passwords, no paperwork.
Select asset, coverage amount, deductible, and duration. SIMA calculates your premium and issues a quote instantly.
Accept the quote to activate coverage. Your certificate is issued on-chain immediately, with terms locked at activation.
Start Now
Connect your wallet and receive a certificate-backed quote in under two minutes. No paperwork. No waiting.