Key provisions on deposit insurance on our blog:

1) Open insurance. The existence of an insurance fund and its amount are indicated in the project description and in the preview in a short news article. Regardless of the project's operational period, the fund will be distributed among those who remain in the red. You can find all the projects with an insurance fund on the blog at this link.

2) The insured amount per participant is usually limited , it looks something like this: "insurance fund $100, insured amount limit per investor $20." What is the purpose of this? Let's imagine the project's insurance is $100, but one investor invested $500, while the others invested $20-30. As a result, due to one large contribution, the coverage percentage for everyone will be minimal, which is not good. How does this limit work in practice? For example, you invested $100 in a project. The insured amount limit is $20. The project is a scam. Your loss, after deducting interest and cashback, is $30. An amount equal to $20 is taken into account when calculating the application, and with 100% coverage, you will receive $20, with 50% coverage, $10, and so on. The limit primarily depends on the total insurance amount (the basic one is 10% of the fund per person), our trust in the project (the higher the trust, the higher the limits), marketing (if the percentage is low, it makes sense to set a higher limit), the minimum deposit amount, the project's duration, and our team's activity within it (the limit may change over time).

3) If there is no open insurance fund, compensation is not provided , even if the project has performed poorly. There are rare exceptions when possible, but generally, remember that these are HYIPs - a casino-like game: you can win or lose, you are not obligated to receive compensation, and no one is obligated to do so.

4) If the project's website is deleted or reset, and we have no way to view reliable data on our referrals, we reserve the right to distribute the allocated amount according to previously submitted cashback requests for this project. Therefore, for projects with open insurance funds, we recommend applying for a refback immediately after making a deposit. A bonus is never a bad thing, but most importantly, it will serve as irrefutable proof of your presence as a referral in the event of an insured event.

5) How is the insurance distributed? For example, if the project allocates $100 to cover losses, we collect applications, taking into account the acceptance limit, for a total of $200. We calculate the coverage percentage: 100/200 * 100% = 50%. Therefore, each referral will receive coverage for 50% of their losses in the project.

6) To qualify for insurance, you must be our first-level referral in the project (if you are not on the list of referrals, you cannot qualify for insurance, so check the referrer before making your first deposit. If they are not listed anywhere in your account, please contact us in a private message).

7) Application form (usually duplicated in the post about the start of accepting applications):

Project name;
your login (username) on the project website;
deposit amount;
payout amount;
net loss = deposit amount - payout amount - refback (if requested);
screenshots from your account or payment system (the latter in case the project website is unavailable or you are unable to access your account), clearly showing how much you deposited and how much you withdrew;
your wallet number indicating the coin type and network

Important: Attempts to report only the deposit amount and deliberately forget about the payout amount or significantly understate it, thereby inflating the actual loss, are considered a deliberate attempt to deceive us and your fellow investors and will result in your disqualification from receiving insurance for a specific project. Repeated violations will result in a ban from all monitoring resources. In the event of a dispute, we may ask you to provide your account information so we can personally verify everything.

Examples for understanding the loss calculation principle:

Example 1 : A scam project called "blah-blah invest" was used, with a 50% 24-hour marketing campaign and a 10% referral fee. The person completed four rounds with a deposit of 100 rubles. For each deposit, we received a 50% referral fee (i.e., four times five rubles = 20). He received a payout of 150 rubles three times, but did not withdraw the last 100 rubles invested. Someone applies for insurance and writes: "loss of 100 rubles," meaning simply the last deposit, excluding payments, previous deposits, or cashback. This is incorrect!

The correct statement would be: 
deposited: 400 rubles (4 times 100)
withdrawn: 450 rubles (3 times 150).

Refback: 20 rubles
loss: 400-450-20 = -70, that is, in fact, the person is in the plus by 70 rubles on this project

Example #2 . The "Ultracryptotechnology" project was scammed. Marketing was 10% for 24 hours. Ref. commission was 4%. A user completed four rounds with a $10 deposit, entered the fifth round with the same amount, and the project was scammed. He requested a refback on all five deposits, which amounted to 50% of the ref. commission (five times $0.20 – a total of $1). He applied for insurance and wrote: loss of $10 minus ref. commission of $0.20 = $9.80, meaning it only takes into account the last deposit and the last ref. This is again incorrect. The correct answer would be:

invested: $50 (5 times $10)
withdrawn: $44 (4 times $11)

Refback: $1
loss: 50-44-1=$5, that is, we see that the actual loss is 2 times lower than what was submitted in the application

Example #3 . The "Supermegaprofit" project was scammed. Marketing was 10% in 24 hours. Refback was 4%. A person invested $10 in it, reinvested from the deposit balance + interest for two rounds, and didn't withdraw anything (it's best never to do this; at least the interest should be withdrawn). He reinvested within his account for the third round, and the project was scammed. He didn't request a refback. He applies for insurance and states that his loss is $13.31. This is again incorrect. Reinvestments within the account are irrelevant; it's not lost profits that are insured, but strictly the amount by which the wallet balance has decreased due to participation in the project. The correct solution would be:

deposited: $10
withdrawn: 0

Refback: 0
Loss: $10

We hope these examples will help you understand the calculation principle and will prompt you to submit claims correctly from the very beginning, as recalculating each claim and explaining the same thing for hours is a real hassle. And we have to do this not out of spite, but to ensure the coverage percentage is adequate and covers actual losses, not fictitious ones.

8) In projects with hourly or daily accruals, you must withdraw everything that accrues and not accumulate money on your balance. If, for example, you invested 10% in a marketing project for 24 hours with hourly accruals, the project ran for 24 hours or less, you apply for insurance, and it turns out you didn't withdraw anything during that time, your application is accepted minus the amount you could have withdrawn while the project was paying. Keep this in mind.

Also, for example, if you made a deposit in a daily project on the 6th, the project ran until the 9th, you apply and it turns out you didn't even try to withdraw anything or access the project during those days, you won't be eligible for insurance. If you don't have the time or opportunity, don't sign up for fast projects with short rates. Those who do everything on time shouldn't suffer and receive less coverage because of your negligence.

9) Another important point: the time of the deposit and its availability in the account. If for some reason you made a deposit after a post about the project's scam was published, or the HYIP was moved to "problem" status or is in "pending" status (not "new," but pending, which is where projects with some kind of malfunction are placed), you cannot claim insurance, so just be careful. Also, if for some reason your deposit was not accepted, that is, if we have zero income from you in the list of referrals, you will not be able to apply for insurance, since we have no way to verify the veracity of your claims, and, unfortunately, they very often try to deceive you with insurance in every possible way. Therefore, if the deposit does not open, contact support during the project's operation; if they ignore you, we will contact you.

10) If we have any additional questions or require additional information from you, you must respond before the application deadline , otherwise you will not receive insurance. For example, if someone applies for insurance two hours before the distribution, and doubts arise about the information's veracity, we ask for this and that, but they disappear for a day and respond only after everything has already been calculated and sent to other depositors' wallets, they are not eligible for insurance. The application deadline is always indicated in the collection post; usually, 24 hours is given, which is more than enough time. If for some reason you do not submit your application on time and arrive after everything has already been paid, you will naturally not receive insurance.

Also , please don't write anything unnecessary or ask a bunch of questions when submitting your application. Again, this isn't because we're pretentious assholes who don't want to communicate with anyone, but because time is extremely limited. We need to collect, process, calculate, and pay out everything, all while monitoring ongoing projects, creating posts, and so on. Examples of questions you definitely shouldn't ask: "How much will the compensation be?", "When will the insurance be paid?" and the like. Regarding the insurance distribution principle, everything is laid out in point 5 of these rules, regarding the timing: in the post about the start of application submission. The collection deadline is indicated there, after which everything needs to be processed, the percentage of losses calculated, and distributed to wallets. As soon as the insurance is distributed, a post about it is made on the channel and in the VK group, as well as a note on the website. So just wait for the post and then check your wallet; if the insurance is announced, it will be paid out no matter what.

11) Insurance applications are only accepted for Tron, USDT bep20, and in rare cases LiteCoin and Doge wallets (no cards, Yandex Money, or cryptocurrencies with high transfer fees). Please keep this in mind.