Ease.org

Ease.org (formerly Armor) provides coverage vaults where users deposit assets into reciprocal protection pools. EASE governs vault parameters and the protocol's coverage allocation across integrated DeFi venues.

Reciprocal coverage vaults that spread risk across multiple protocols in one deposit — a portfolio-style underwriting wrapper.

- Uninsurance (Reciprocally-Covered Assets / RCA): Ease's flagship DeFi-native coverage model. Users deposit yield-bearing tokens into RCA vaults; the deposited assets simultaneously earn yield and underwrite each other, so coverage carries no upfront premium and a fee only applies in the event of a validated hack. RCAs aim to cover the total value in a sector rather than a capped amount. - RCA Vaults: Per-protocol vaults where deposited capital is routed to an external DeFi protocol to generate yield while becoming covered. Vault capacity is dynamic and continuously rebalanced to spread shared risk across the system. - gvToken (gvEASE) governance & staking: Growing-vote token model launched September 2022. Depositing EASE mints an equal amount of gvEASE whose voting/staking power grows linearly over a year up to 2x. gvEASE is used to back specific vaults and to vote in the Ease DAO. - Ease DAO: On-chain governance for the protocol. gvEASE holders create and vote on proposals; a proposer needs 100,000 gvEASE delegated, and 50 million votes with an affirmative majority are required to pass a proposal. The DAO also decides validity of hack claims/payouts. - arNFT / arCore (legacy Armor.fi): Original Armor.fi products: arCore pay-as-you-go cover brokerage built on Nexus Mutual capacity, and arNFT tokenized (transferable) Nexus Mutual cover. These predate the Ease rebrand and RCA model.

- Ease.org (EASE) — Token, Governance token - ARMOR (ARMOR) — Token, Governance & utility token

- Smart Contract: RCA vaults, gvToken contracts and the underwriting mechanism are on-chain smart contracts; a bug or exploit in Ease's own contracts could cause loss of deposited principal that the coverage system itself cannot backstop. - Counterparty: Deposited assets are routed into external DeFi protocols to generate yield, so users take on the failure/exploit risk of those underlying protocols and their yield-bearing tokens in addition to Ease's coverage promise. - Reserve / Depeg: The Uninsurance model has no external reserve or premium float; payouts come from depositors' own pooled capital. A large or correlated hack can exhaust available underwriting capacity, and yield-token cover depends on tokens not diverging from underlying value. - Governance: Claim validity and payouts are decided by gvEASE DAO vote rather than an independent adjuster. Concentrated or low-turnout voting, or the high 50M-vote threshold, could lead to disputed, delayed, or captured claim decisions. - Systemic: Because members reciprocally underwrite each other, a systemic DeFi event hitting multiple covered protocols simultaneously could trigger correlated claims across many vaults at once, stressing the whole shared-risk pool.

- Mutual insurance / reciprocal insurance exchange: similar — Ease's Uninsurance mirrors a mutual/reciprocal exchange: members collectively pool capital to cover each other's losses rather than paying a for-profit carrier, and members effectively act as their own underwriters.; differs — There is no upfront premium (cost only accrues after a validated hack), the pooled capital simultaneously earns DeFi yield, payouts are decided by on-chain DAO vote rather than a claims adjuster, and everything is enforced by smart contracts on-chain. - Catastrophe (CAT) bonds: similar — Ease's stNXM-style underwriting resembles a catastrophe bond: capital providers earn a yield/premium while their principal is at risk and is paid out only if a defined loss event (a hack) is confirmed.; differs — Coverage is perpetual and self-maintaining rather than a fixed-term instrument, capital is composable DeFi collateral, and trigger validation is a community/DAO process rather than a parametric or modeled trigger agency.