0.3% of every trade on the pad drips into one shared pool. When a launch rugs — by rules written down in advance, not by vibes — the holders of that token split the pool. Automatically, pro-rata, no forms to fill.
One roof over every launch
Every token on Claims feeds the same pool, so cover doesn't depend on how big your particular coin was — only on how much of it you held.
Recent payouts Example rows
Invented rows, marked as such. Real ones appear when the program exists.
Three steps, no paperwork
1 · Every trade pays in
Each buy and sell on the pad carries a 1% fee, and 0.3% of the trade goes to the shared insurance pool. It fills from the first trade on the first token.
2 · A trigger fires
The covered events are mechanical, on-chain facts — liquidity pulled, locks broken, supply printed. No committee decides whether your loss "counts". The rules are public before the first launch.
3 · Holders split the payout
A snapshot at the trigger block fixes who held what. The payout is divided pro-rata and claimable by every holder — SOL, straight to your wallet.
Where the 1% goes
The light 0.20% runs the protocol. The pool earns more than we do — on purpose, so nobody can say the insurance is the marketing and the fee is the product.
What counts as a rug — and what doesn't
Written in advance, mechanical, boring on purpose. If it isn't on this list, it doesn't pay.
Pays out
Liquidity pulled while marked locked The pool pays when LP that the pad shows as locked leaves the pool before its unlock date.
Dev tokens moved before unlock A locked or vesting allocation that moves early is a broken promise the chain can see.
Supply printed after launch Any mint into a token whose supply was declared fixed at launch.
Doesn't
The price went to zero A crash is not a claim. Most tokens die with every rule intact, and the pool is not a refund for buying them.
The dev went quiet Silence is a red flag, not an on-chain event. Nothing mechanical fires on vibes.
You sold the bottom The snapshot is at the trigger block. Panic-selling before a trigger is a trade, not a loss event.
What a payout is actually worth
Drag it. This is the honest part: insurance here softens a rug, it does not undo one.
Why the 50% cap
One giant rug must not drain the roof for everyone who gets rugged the week after. Each event can claim at most half of what the pool holds at that moment.
Why pro-rata by supply
Not by what you paid — the chain doesn't reliably know your cost basis, and pretending it does is how fake insurance gets sold. You held 0.5% of the token, you get 0.5% of the payout.
Read this before you feel safe
It's cents on the dollar
A rugged token's holders usually lost far more than the pool holds. A payout softens the hit; it does not make you whole, and we will never phrase it as if it does.
The judge is code — plus us, for now
The three triggers are mechanical. But edge cases exist, and while the program is young the final read on an ambiguous event is ours. That is centralized, it is written here on the front page, and shrinking it is the roadmap.
Insurance makes degens braver
Cover changes behaviour — some people will ape harder because a pool exists. The 50% cap and the short trigger list are there to price that in, not to pretend it away.
Most tokens still die
The pool pays on broken rules, not on bad outcomes. The overwhelming majority of dead coins die with every rule intact — and for those, this pad pays exactly nothing.
Where this actually is
No program id, no token
Nothing is deployed and there is nothing to buy. An insurance product that launches before its rules are code would be exactly the kind of promise this pad exists to replace — so the order is: rules, program, audit, then launches.
Anything calling itself a live Claims today is not us.