EVM Insurance Layer
Overview
The OSCA Insurance Layer is the core innovation of the OSCA Stack ecosystem. It introduces a new standard in decentralized finance: on-chain trade insurance for users across all major EVM-compatible blockchains.
This system enables users to execute token purchases through any supported decentralized exchange (DEX) – such as Uniswap, PancakeSwap, and others – with the optional ability to insure their trade against malicious activity such as honeypots, rug pulls, and smart contract exploits.
Purpose
The purpose of the OSCA Insurance Layer is to bring financial protection, transparency, and risk mitigation to the Web3 user experience. For the first time, traders will be able to make informed decisions while also choosing to secure their investment in real-time.
This system mirrors traditional finance, where users insure valuable assets like cars or homes. In DeFi, your token purchases carry risk – and OSCA provides the mechanism to protect those investments.
How It Works
When a user initiates a trade via oscaX, the transaction is routed to the chosen DEX (e.g. Uniswap). Before executing, the smart contract associated with the token is analyzed by oscAI, our AI-powered audit engine.
oscAI evaluates:
Contract complexity and structure
Ownership and permission controls
Liquidity status (locked/unlocked)
Common risk patterns and scam indicators
A rating from 0 to 100 is returned. Based on this rating, the system dynamically calculates a trade-specific insurance premium, which the user can choose to pay for added protection.
If the token is later identified as a scam, honeypot, or subject to a severe exploit, the insured trade is eligible for reimbursement of the original investment.
Insurance Rate Model
The following risk-based insurance tiers apply:
Score 50–70 → 10% insurance rate
Score 71–80 → 8% insurance rate
Score 81–90 → 6% insurance rate
Score 91–100 → 2% insurance rate
All details are presented transparently before confirmation, and coverage rules are on-chain verifiable.
Where It's Available
The OSCA Insurance Layer will be available starting with oscaX and gradually integrated into:
All major EVM chains (Ethereum, BNB Chain, Arbitrum, Polygon, Base, Optimism, etc.)
All major DEXs (Uniswap, PancakeSwap, SushiSwap, Balancer, and more)
Users will trade as usual – but with an optional, integrated protection layer never seen before in DeFi.
OSCA Token Utility via Staking
To further enhance access to protection, the OSCA Token provides utility within the insurance layer:
Users who stake ≥ 5,000 OSCA → Pay zero insurance fees
Users who stake between 1,000–4,999 OSCA → Receive 50% discount on all insurance rates
This aligns platform usage with long-term ecosystem commitment.
oscaX – The Insurance Hub
oscaX is more than a gateway for insurance-protected trades. It remains a fully operational DEX with:
Native liquidity pools
Pre-audited token launch templates
One-click token deployment and liquidity locking
Full oscAI scoring and insurance eligibility indicators
With oscaX, users benefit from built-in security, optional protection, and a professional-grade UI for both traditional DEX trades and fully insured executions.
Why This Matters
DeFi currently operates without safeguards. While innovation has flourished, the risks have held mainstream adoption back.
The OSCA Insurance Layer provides:
Transparent risk assessment
Optional, real-time protection
A scalable and self-sustaining financial model
Peace of mind — without compromising decentralization
This is the beginning of a new standard for Web3 safety.
Summary
The OSCA Insurance Layer turns risk awareness into actionable protection.
Through oscaX, users gain seamless access to token trading with the freedom to choose insurance – all powered by intelligent contract analysis and real-time infrastructure.
This is more than a feature. It is a foundational upgrade to how EVM blockchain users engage with decentralized markets.
OSCA Stack – Building the Trust Layer for DeFi.