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	<title>insurance Archives - Coin Engineer</title>
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	<title>insurance Archives - Coin Engineer</title>
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	<item>
		<title>What is Flying Tulip (FT)?</title>
		<link>https://coinengineer.net/blog/what-is-flying-tulip-ft/</link>
					<comments>https://coinengineer.net/blog/what-is-flying-tulip-ft/#respond</comments>
		
		<dc:creator><![CDATA[Emre Yumlu]]></dc:creator>
		<pubDate>Fri, 14 Nov 2025 15:00:22 +0000</pubDate>
				<category><![CDATA[DeFi Projects]]></category>
		<category><![CDATA[Project review]]></category>
		<category><![CDATA[ft coin]]></category>
		<category><![CDATA[ft token]]></category>
		<category><![CDATA[ftUSD]]></category>
		<category><![CDATA[insurance]]></category>
		<category><![CDATA[perpetual futures]]></category>
		<category><![CDATA[settlement rail]]></category>
		<category><![CDATA[spot]]></category>
		<category><![CDATA[what is flying tulip (FT)]]></category>
		<guid isPermaLink="false">https://coinengineer.net/blog/?p=56974</guid>

					<description><![CDATA[<p>In DeFi, collateral is often siloed: Assets deposited in a lending pool can&#8217;t simultaneously back order book positions or serve as futures margin. Liquidity is fragmented, pricing is static, and risk management relies on delayed oracles. Flying Tulip (FT) tackles these issues head-on: an on-chain financial system offering spot trading (AMM + CLOB), lending, perpetual</p>
<p>The post <a href="https://coinengineer.net/blog/what-is-flying-tulip-ft/">What is Flying Tulip (FT)?</a> appeared first on <a href="https://coinengineer.net/blog">Coin Engineer</a>.</p>
]]></description>
										<content:encoded><![CDATA[<p dir="auto">In DeFi, collateral is often siloed: Assets deposited in a lending pool can&#8217;t simultaneously back order book positions or serve as futures margin. Liquidity is fragmented, pricing is static, and risk management relies on delayed oracles. <strong>Flying Tulip (FT)</strong> tackles these issues head-on: an on-chain <a href="https://coinengineer.net/blog/kiyosaki-financial-storm-coming-bitcoin-and-ethereum-are-safe/">financial</a> system offering <a href="https://coinengineer.net/blog/cftc-approval-leveraged-spot-crypto-trading-coming-to-exchanges/">spot trading</a> (AMM + CLOB), lending, perpetual futures, insurance, and a settlement rail (<strong>ftUSD</strong>) with a single collateral base. The same deposit earns base yield while securing lending, CLOB orders, or futures margin. Pricing and risk derive from real executable liquidity—no static tables or lagging oracles. Protocol revenues flow transparently and programmatically into token buybacks.</p>
<p dir="auto">In this article, we&#8217;ll dive into Flying Tulip&#8217;s architecture, products, tokenomics, and roadmap. Ready to explore the new benchmark for capital efficiency?</p>
<h2 dir="auto">What is Flying Tulip (FT)?</h2>
<p dir="auto">Flying Tulip is an on-chain financial ecosystem that standardizes pricing, credit, and risk. It includes Spot (AMM + CLOB), lending, perpetual futures, insurance, and ftUSD settlement rail. Core principle: One collateral serves multiple roles. Revenues drive FT token buybacks and burns—a &#8220;token-first&#8221; model.</p>
<p dir="auto">Better Yield: Collateral earns base yield while backing lending, CLOB orders, or futures margin. Revenues fuel buybacks. Better UX: Mechanics are contract-encoded; the same depth-aware prices power trading, LTVs, funding, and liquidations.</p>
<p dir="auto"><img fetchpriority="high" decoding="async" class="size-full wp-image-182388 aligncenter" src="https://coinmuhendisi.com/blog/wp-content/uploads/2025/11/flying-tulip-1.png" alt="" width="1352" height="622" /></p>
<h2 dir="auto">Problems and Solutions</h2>
<p dir="auto">Capital Isolation: Traditional DeFi silos collateral per product. Flying Tulip&#8217;s permissioned credit layer enables cross-collateral—one deposit secures multiple activities while continuing to earn yield.</p>
<p dir="auto">Fragmented Liquidity &amp; Static Pricing: x·y=k AMMs are reliable but produce wide spreads and volatility losses. Flying Tulip Spot uses a hybrid curve: constant-sum in calm markets (tight spreads), constant-product in stress (LP protection). Pricing comes from real executable liquidity.</p>
<p dir="auto">USD-Centric Debt Assumptions: Lending risks are often USD-denominated. Flying Tulip supports asset-consistent borrowing and portfolio cross-margining—permissionless markets stay pair-scoped.</p>
<p dir="auto">Centralized Dependencies: Perpetuals depend on external oracles. FT Futures uses internal trading (AMM + CLOB) for sub-second updates and depth-aware limits—eliminating oracle lag/manipulation risks.</p>
<h2 dir="auto">System Design</h2>
<h3 dir="auto">Trading Engine: Spot (AMM + CLOB) – Pricing Backbone</h3>
<ul dir="auto">
<li>AMM: Transitions between constant-sum <img src="https://s.w.org/images/core/emoji/17.0.2/72x72/2194.png" alt="↔" class="wp-smiley"  /> constant-product via volatility signals (EMAs). Pre-trade simulation, bounded impact, minimum reserves.</li>
<li>CLOB: Price-time-priority limit orders.</li>
<li>Router: Sweeps CLOB liquidity first, crosses remainder on AMM.</li>
<li>Windows: TWAP (time-weighted), RWAP (reserve-weighted)—executable price and depth source for downstream systems (LTV, funding, liquidation).</li>
</ul>
<p><img decoding="async" class="size-full wp-image-182392 aligncenter" src="https://coinmuhendisi.com/blog/wp-content/uploads/2025/11/spot-scaled.webp" alt="" width="2560" height="768" /></p>
<h3 dir="auto">Lending: Permissionless + Permissioned Cross-Collateral</h3>
<ul dir="auto">
<li>Permissionless: Every Spot pair auto-creates a lending market. Borrowing power is depth-aware from Spot windows. Snapshot LTV (locked at position open). Soft liquidation (time-sliced, depth-aware, CLOB-aware).</li>
<li>Permissioned: Curated assets in one pool with cross-collateral. Debt-netting for delta-neutral structures (ftUSD)—near-zero liquidation paths within configured bounds. Single deposit earns yield while backing orders and futures margin.</li>
</ul>
<p><img decoding="async" class="size-full wp-image-182394 aligncenter" src="https://coinmuhendisi.com/blog/wp-content/uploads/2025/11/lending-scaled.webp" alt="" width="2560" height="768" /></p>
<h3 dir="auto">Perpetual Futures: Oracleless, Depth-Aware</h3>
<p dir="auto">Internal trading serves as oracle. Leverage limits, liquidation sizing, slippage guards from TWAR windows (&#8220;How much X for Y clears in this interval without breaching reserves?&#8221;). Funding tied to Lend borrowing costs. Settlement in ftUSD; opt-in settlement LPs earn fees.</p>
<p dir="auto"><img loading="lazy" decoding="async" class="size-full wp-image-182395 aligncenter" src="https://coinmuhendisi.com/blog/wp-content/uploads/2025/11/futures-scaled.webp" alt="" width="2560" height="768" /></p>
<h3 dir="auto">Settlement Rail: ftUSD / sftUSD</h3>
<ul dir="auto">
<li>ftUSD: Non-yielding (default), $1 peg. Protocol revenues from unstaked ftUSD.</li>
<li>sftUSD: Staked ftUSD—earns yield (variable, not guaranteed).</li>
<li>Structure: Delta-neutral, conservative sizing—balanced long/short.</li>
</ul>
<p><img loading="lazy" decoding="async" class="size-full wp-image-182397 aligncenter" src="https://coinmuhendisi.com/blog/wp-content/uploads/2025/11/ftusd-scaled.webp" alt="" width="2560" height="768" /></p>
<h2 dir="auto">Risk &amp; Operations</h2>
<ul dir="auto">
<li>Policy: Conservative allocation (no leverage/bridge for treasury), per-asset/venue caps, circuit breakers, staged parameter changes.</li>
<li>Execution: Pre-trade simulation, bounded fees (low in calm, high in stress), soft liquidation (time-sliced on Spot).</li>
<li>Transparency: Addresses, parameters, windows (TWAP/RWAP/TWAR), utilization, fee schedules published. Audits and incident processes documented.</li>
</ul>
<h3 dir="auto">Programmatic Value Flow</h3>
<p dir="auto">All revenues (trading, lending, futures, insurance, settlement) feed FT buyback pipeline. FT distributed or burned per policy. Revenue-funded burns govern unlocks (Foundation/Team/Ecosystem/Incentives 40:20:20:20, 1:1). Interest-only burns directly reduce supply.</p>
<h3 dir="auto">Insurance: Pay-as-You-Go Protection</h3>
<ul dir="auto">
<li>Model: Lending-like—premium paid only while active.</li>
<li>LP: Supplies pool → earns premiums.</li>
<li>Buyer: &#8220;Borrows&#8221; protection capacity, scales up/down.</li>
</ul>
<p><img loading="lazy" decoding="async" class="size-full wp-image-182398 aligncenter" src="https://coinmuhendisi.com/blog/wp-content/uploads/2025/11/insurance-scaled.webp" alt="" width="2560" height="768" /></p>
<h2 dir="auto">Flying Tulip Roadmap</h2>
<p dir="auto">Development Cycle: Internal → Freeze → 3+ audits → GTM → Release.</p>
<p dir="auto">Milestones (Dependency waterfall):</p>
<ol dir="auto">
<li>PCA: On-chain raise + Perpetual PUT.</li>
<li>Core Permissioned Stack: Lend, ftUSD, Leveraged Spot, Spot, Perpetual Futures.</li>
<li>Core Permissionless Stack: Adaptive AMM, Dynamic Lend, Permissionless Futures/Options.</li>
<li>Oracles &amp; Apps: Witnessnet, Binary Prediction Markets, Launchpad, Insurance.</li>
</ol>
<p dir="auto">Estimated Timeline: 36-54 months (2-3 months per phase).</p>
<h2 dir="auto">Flying Tulip Investors: $200M Raised, $1B Valuation</h2>
<p dir="auto">Flying Tulip, with its focus on capital preservation and sustainable value via yield-funded buybacks, raised $200 million at a $1 billion valuation. Backing spans leading VCs like CoinFund and Hypersphere to institutional players like DWF Labs and Brevan Howard Digital.</p>
<ul dir="auto">
<li>Tier 2
<ul dir="auto">
<li>CoinFund</li>
<li>Hypersphere Ventures</li>
<li>DWF Labs</li>
<li>Republic</li>
<li>Nascent</li>
</ul>
</li>
<li>Tier 3
<ul dir="auto">
<li>Lemniscap</li>
<li>Selini Capital</li>
<li>Brevan Howard Digital</li>
<li>FalconX</li>
</ul>
</li>
<li>Tier 4
<ul dir="auto">
<li>Tioga Capital Partners</li>
<li>Sigil Fund</li>
</ul>
</li>
<li>Others
<ul dir="auto">
<li>Susquehanna International Group</li>
<li>Virtuals Protocol</li>
</ul>
</li>
</ul>
<p><img loading="lazy" decoding="async" class="size-full wp-image-182385 aligncenter" src="https://coinmuhendisi.com/blog/wp-content/uploads/2025/11/flying-tulip-investor.png" alt="" width="862" height="529" /></p>
<h2 dir="auto">Flying Tulip Team</h2>
<p dir="auto">Flying Tulip was founded by Andre Cronje. The architect of Yearn Finance and Fantom, Cronje leads in DeFi capital efficiency and risk management. The team builds Flying Tulip from scratch with adaptive curves, oracleless futures, and token-first models—ending collateral isolation.</p>
<p dir="auto"><img loading="lazy" decoding="async" class="size-full wp-image-182386 aligncenter" src="https://coinmuhendisi.com/blog/wp-content/uploads/2025/11/flying-tulip.png" alt="" width="560" height="139" /></p>
<h2 dir="auto">Official Links</h2>
<ul>
<li><a href="https://flyingtulip.com/">Website</a></li>
<li><a href="https://x.com/flyingtulip_">X (Twitter)</a></li>
<li><a href="https://docs.flyingtulip.com/">Whitepaper</a></li>
</ul>
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<p>The post <a href="https://coinengineer.net/blog/what-is-flying-tulip-ft/">What is Flying Tulip (FT)?</a> appeared first on <a href="https://coinengineer.net/blog">Coin Engineer</a>.</p>
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		<item>
		<title>What is Vaulta (A) Coin? EOS&#8217;s New Identity</title>
		<link>https://coinengineer.net/blog/vaulta-web3-banking-rebrand/</link>
					<comments>https://coinengineer.net/blog/vaulta-web3-banking-rebrand/#respond</comments>
		
		<dc:creator><![CDATA[Yeliz Akmaca]]></dc:creator>
		<pubDate>Thu, 14 Aug 2025 19:08:47 +0000</pubDate>
				<category><![CDATA[DeFi Projects]]></category>
		<category><![CDATA[Project review]]></category>
		<category><![CDATA[banking]]></category>
		<category><![CDATA[BlockchainFinance]]></category>
		<category><![CDATA[CryptoPayments]]></category>
		<category><![CDATA[DeFi]]></category>
		<category><![CDATA[HighSpeedBlockchain]]></category>
		<category><![CDATA[insurance]]></category>
		<category><![CDATA[Layer1]]></category>
		<category><![CDATA[Staking]]></category>
		<category><![CDATA[tokenization]]></category>
		<category><![CDATA[web3]]></category>
		<guid isPermaLink="false">https://coinengineer.net/blog/?p=47952</guid>

					<description><![CDATA[<p>Vaulta ($A), formerly known as EOS, rebranded in March 2025 to focus on Web3 banking. Positioned as a platform combining traditional finance with decentralized finance (DeFi), Vaulta has captured attention with its rich features, fast and low-cost transactions, following its May 2025 launch.  Vaulta’s Foundations and Vision  Token is an Ethereum-compatible Layer-1 blockchain with high-speed</p>
<p>The post <a href="https://coinengineer.net/blog/vaulta-web3-banking-rebrand/">What is Vaulta (A) Coin? EOS&#8217;s New Identity</a> appeared first on <a href="https://coinengineer.net/blog">Coin Engineer</a>.</p>
]]></description>
										<content:encoded><![CDATA[<p><span data-c><strong>Vaulta ($A)</strong>, formerly known as <strong>EOS</strong>, rebranded in March 2025 to focus on Web3 banking. Positioned as a platform combining traditional finance with decentralized finance (<a href="https://coinengineer.net/blog/category/project-review/defi-projects/"><strong>DeFi</strong></a>), Vaulta has captured attention with its rich features, fast and low-cost transactions, following its May 2025 launch.</span><span data-ccp-props="{}"> </span></p>
<p><img loading="lazy" decoding="async" class="aligncenter wp-image-47955 " src="https://coinengineer.net/blog/wp-content/uploads/2025/08/vaulta-1024x576.jpeg" alt="" width="801" height="450" srcset="https://coinengineer.net/blog/wp-content/uploads/2025/08/vaulta-1024x576.jpeg 1024w, https://coinengineer.net/blog/wp-content/uploads/2025/08/vaulta-300x169.jpeg 300w, https://coinengineer.net/blog/wp-content/uploads/2025/08/vaulta-768x432.jpeg 768w, https://coinengineer.net/blog/wp-content/uploads/2025/08/vaulta-1536x864.jpeg 1536w, https://coinengineer.net/blog/wp-content/uploads/2025/08/vaulta.jpeg 1920w" sizes="auto, (max-width: 801px) 100vw, 801px" /></p>
<h2><span data-c>Vaulta’s Foundations and Vision</span><span data-ccp-props="{}"> </span></h2>
<p><span data-c>Token is an <strong>Ethereum-compatible</strong> Layer-1 blockchain with high-speed infrastructure enabling one-block finalization per second. Its core vision is to provide users with Web3-powered banking and financial services, including:</span><span data-ccp-props="{}"> </span></p>
<ul>
<li><span data-c>Consumer payments and stablecoin integration</span><span data-ccp-props="{}"> </span></li>
<li><span data-c>Asset management and staking solutions</span><span data-ccp-props="{}"> </span></li>
<li><span data-c>Insurance products and risk management</span><span data-ccp-props="{}"> </span></li>
</ul>
<h2><span data-c>Tokenization of real-world assets</span><span data-ccp-props="{}"> </span></h2>
<p><span data-c>Vaulta targets both individual and institutional users. Individuals benefit from secure savings, stablecoin payments, and insured staking opportunities, while institutions can tokenize real estate and commodity assets, access <strong>DeFi loans</strong>, and utilize payment solutions.</span><span data-ccp-props="{}"> </span></p>
<h2><span data-c>Technology and Operations</span><span data-ccp-props="{}"> </span></h2>
<ul>
<li><span data-c>Consensus and Transaction Speed</span> :<span data-c>Vaulta enhances the <strong>Delegated Proof of Stake</strong> (DPoS) algorithm inherited from EOS with its custom Savanna system. This allows instant block finalization, making transactions irreversible.</span><span data-ccp-props="{}"> </span></li>
<li><span data-c>Chain Structure and Cross-Chain Support</span> :<span data-c>Vaulta supports Bitcoin-compatible smart contracts via sidechains and the exSat solution. The Antelope IBC infrastructure enables seamless integration with other blockchains.</span><span data-ccp-props="{}"> </span></li>
<li><span data-c>Network Resource Management</span> :<span data-c>Users stake $A tokens to access network resources: CPU, RAM, and NET (bandwidth). Processing power depends on staking, and users receive a share of block rewards.</span><span data-ccp-props="{}"> </span></li>
<li><span data-c>Insurance Mechanism</span> :<span data-c>In collaboration with Blockchain Insurance Inc., Vaulta can insure user funds against specific risks—a rare feature in DeFi that differentiates Vaulta.</span><span data-ccp-props="{}"> </span></li>
</ul>
<p><img loading="lazy" decoding="async" class="aligncenter wp-image-47956 " src="https://coinengineer.net/blog/wp-content/uploads/2025/08/Ekran-goruntusu-2025-08-14-122941-1024x356.png" alt="" width="843" height="293" srcset="https://coinengineer.net/blog/wp-content/uploads/2025/08/Ekran-goruntusu-2025-08-14-122941-1024x356.png 1024w, https://coinengineer.net/blog/wp-content/uploads/2025/08/Ekran-goruntusu-2025-08-14-122941-300x104.png 300w, https://coinengineer.net/blog/wp-content/uploads/2025/08/Ekran-goruntusu-2025-08-14-122941-768x267.png 768w, https://coinengineer.net/blog/wp-content/uploads/2025/08/Ekran-goruntusu-2025-08-14-122941.png 1532w" sizes="auto, (max-width: 843px) 100vw, 843px" /></p>
<h2><span data-c>Goals</span></h2>
<p><span data-c><strong>Vaulta</strong> aims to create a decentralized banking infrastructure, making financial services fairer, more open, and globally accessible. Especially in unbanked regions, users can save, invest, and transfer money through Vaulta.</span><span data-ccp-props="{}"> </span></p>
<p><span data-c>Additionally, the platform supports tokenization of real-world assets, giving small investors access to large-scale investments. Through VirgoPay infrastructure, Vaulta offers fast and low-cost payments.</span><span data-ccp-props="{}"> </span></p>
<h2><span data-c>Founding Team and Organization</span></h2>
<p><span data-c>Token was developed by the core team behind EOS. Key figures include:</span><span data-ccp-props="{}"> </span></p>
<ul>
<li><span data-c>Daniel Larimer – Founder, former EOS leader, founder of BitShares and Steem</span><span data-ccp-props="{}"> </span></li>
<li><span data-c>Ian Grigg – Co-Founder</span><span data-ccp-props="{}"> </span></li>
<li><span data-c>Block Pierce – Co-Founder</span><span data-ccp-props="{}"> </span></li>
<li><span data-c>Brendan Blumer – Co-Founder</span><span data-ccp-props="{}"> </span></li>
<li><span data-c>Yves La Rose – CEO</span><span data-ccp-props="{}"> </span></li>
<li><span data-c>Ted Cahall – COO</span><span data-ccp-props="{}"> </span></li>
<li><span data-c>Bart Wyatt – CTO</span><span data-ccp-props="{}"> </span></li>
</ul>
<p><strong>Organizational Structure: </strong></p>
<ul>
<li><span data-c>Vaulta Foundation – Governance and vision</span><span data-ccp-props="{}"> </span></li>
<li><span data-c>Vaulta Labs – Developer community and tech infrastructure</span><span data-ccp-props="{}"> </span></li>
<li><span data-c>Greymass &amp; Vaulta Ventures – Ecosystem growth and project investments</span><span data-ccp-props="{}"> </span></li>
<li><span data-c>Block Producers (BPs) – Network security and sustainability</span><span data-ccp-props="{}"> </span></li>
<li><span data-c>The Vaulta Banking Advisory Council consists of both Web3 and traditional finance experts.</span><span data-ccp-props="{}"> </span></li>
</ul>
<p><img loading="lazy" decoding="async" class="aligncenter wp-image-47957 " src="https://coinengineer.net/blog/wp-content/uploads/2025/08/Ekran-goruntusu-2025-07-21-002033-1024x451.png" alt="" width="782" height="344" srcset="https://coinengineer.net/blog/wp-content/uploads/2025/08/Ekran-goruntusu-2025-07-21-002033-1024x451.png 1024w, https://coinengineer.net/blog/wp-content/uploads/2025/08/Ekran-goruntusu-2025-07-21-002033-300x132.png 300w, https://coinengineer.net/blog/wp-content/uploads/2025/08/Ekran-goruntusu-2025-07-21-002033-768x339.png 768w, https://coinengineer.net/blog/wp-content/uploads/2025/08/Ekran-goruntusu-2025-07-21-002033.png 1191w" sizes="auto, (max-width: 782px) 100vw, 782px" /></p>
<h2><span data-c>Investors and Market</span></h2>
<ul>
<li><span data-c>Vaulta’s investors include significant names from both traditional finance and crypto:</span><span data-ccp-props="{}"> </span></li>
<li><span data-c>Fosun Wealth – Testing regulated Web3 finance infrastructure in Hong Kong</span><span data-ccp-props="{}"> </span></li>
<li><span data-c><strong><a href="https://coinengineer.net/blog/?s=binance">Binance</a>, OKX, Kraken, Coinbase</strong> – Increasing liquidity and user access</span><span data-ccp-props="{}"> </span></li>
<li><span data-c>Block.one – Indirect support via investments during EOS era</span><span data-ccp-props="{}"> </span></li>
</ul>
<p><img loading="lazy" decoding="async" class="aligncenter wp-image-47958 size-full" src="https://coinengineer.net/blog/wp-content/uploads/2025/08/Ekran-goruntusu-2025-07-13-184400-1024x111-1.png" alt="" width="1024" height="111" srcset="https://coinengineer.net/blog/wp-content/uploads/2025/08/Ekran-goruntusu-2025-07-13-184400-1024x111-1.png 1024w, https://coinengineer.net/blog/wp-content/uploads/2025/08/Ekran-goruntusu-2025-07-13-184400-1024x111-1-300x33.png 300w, https://coinengineer.net/blog/wp-content/uploads/2025/08/Ekran-goruntusu-2025-07-13-184400-1024x111-1-768x83.png 768w" sizes="auto, (max-width: 1024px) 100vw, 1024px" /></p>
<h2><span data-c>$A Tokenomics and Use Cases</span></h2>
<p><span data-c>Vaulta’s native token $A powers the network and provides benefits to users.</span><span data-ccp-props="{}"> </span></p>
<p><span data-c>Key Data:</span><span data-ccp-props="{}"> </span></p>
<ul>
<li><span data-c><a href="https://coinmarketcap.com/currencies/vaulta/"><strong>Total Supply</strong></a>: 2.1 billion $A</span><span data-ccp-props="{}"> </span></li>
<li><span data-c>Circulating Supply: 1.57 billion $A</span><span data-ccp-props="{}"> </span></li>
</ul>
<p><strong>Use Cases: </strong></p>
<ul>
<li><span data-c>Accessing network resources (RAM, CPU, NET)</span><span data-ccp-props="{}"> </span></li>
<li><span data-c>Governance and block producer voting</span><span data-ccp-props="{}"> </span></li>
<li><span data-c>Purchasing insurance products</span><span data-ccp-props="{}"> </span></li>
<li><span data-c>Paying network fees and transaction costs</span><span data-ccp-props="{}"> </span></li>
<li><span data-c>Providing liquidity for DeFi applications</span><span data-ccp-props="{}"> </span></li>
</ul>
<p><strong>Staking Rewards: </strong></p>
<ul>
<li><span data-c>Approximately 85,600 $A daily</span><span data-ccp-props="{}"> </span></li>
<li><span data-c>Around 17% APY</span><span data-ccp-props="{}"> </span></li>
<li><span data-c>Rewards balanced with 4-year halving intervals</span><span data-ccp-props="{}"> </span></li>
</ul>
<h2><span data-c>Vaulta ($A) Token Distribution</span><span data-ccp-props="{}"> </span></h2>
<ul>
<li><span data-c>Token Swap: Old EOS tokens are exchanged for new Vaulta ($A) tokens at a 1:1 ratio. This means that EOS’s original distribution model continues to apply for Vaulta.</span><span data-ccp-props="{}"> </span></li>
<li><span data-c>Staking Rewards: A new regulation has been introduced to incentivize long-term token holders. Under this system, 250 million tokens are allocated for staking rewards. These rewards will be distributed according to a halving schedule every 4 years.</span><span data-ccp-props="{}"> </span></li>
<li><span data-c>Preservation of Distribution: The token swap does not alter the existing token supply, allocations, or vesting schedules. This ensures that EOS’s economic framework continues unchanged under Vaulta.</span><span data-ccp-props="{}"> </span></li>
</ul>
<p><span data-ccp-props="{}"> </span></p>
<p><img loading="lazy" decoding="async" class="aligncenter wp-image-47959 " src="https://coinengineer.net/blog/wp-content/uploads/2025/08/vaulta-web3.jpeg" alt="" width="797" height="448" srcset="https://coinengineer.net/blog/wp-content/uploads/2025/08/vaulta-web3.jpeg 1024w, https://coinengineer.net/blog/wp-content/uploads/2025/08/vaulta-web3-300x169.jpeg 300w, https://coinengineer.net/blog/wp-content/uploads/2025/08/vaulta-web3-768x432.jpeg 768w" sizes="auto, (max-width: 797px) 100vw, 797px" /></p>
<h2><span data-c>Social Media and Communities</span><span data-ccp-props="{}"> </span></h2>
<ul>
<li><a href="https://www.vaulta.com/"><strong>Website</strong></a></li>
<li><a href="https://x.com/vaulta_"><strong>Twitter</strong></a></li>
<li><a href="https://t.me/vaulta"><strong>Telegram</strong></a></li>
<li><a href="https://www.youtube.com/@vaulta_official"><strong>Youtube</strong></a></li>
</ul>
<p><em>You can also freely share your thoughts and comments about the topic in the comment section. Additionally, don’t forget to follow us on our <a href="https://t.me/coinengineernews" target="_blank" rel="nofollow noopener"><strong>Telegram, </strong></a><a href="https://www.youtube.com/@CoinEngineer" target="_blank" rel="nofollow noopener"><strong>YouTube</strong></a>, and <a href="https://twitter.com/coinengineers" target="_blank" rel="nofollow noopener"><strong>Twitter</strong></a> channels for the latest <a title="News" href="https://coinengineer.net/blog/news/" data-internallinksmanager029f6b8e52c="7">news</a> and updates.</em></p>
<p>The post <a href="https://coinengineer.net/blog/vaulta-web3-banking-rebrand/">What is Vaulta (A) Coin? EOS&#8217;s New Identity</a> appeared first on <a href="https://coinengineer.net/blog">Coin Engineer</a>.</p>
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		<title>EU Watchdog Proposes 100% Capital Requirement for Crypto Holdings</title>
		<link>https://coinengineer.net/blog/eu-watchdog-proposes-100-capital-requirement-for-crypto-holdings/</link>
					<comments>https://coinengineer.net/blog/eu-watchdog-proposes-100-capital-requirement-for-crypto-holdings/#respond</comments>
		
		<dc:creator><![CDATA[Yigit Taha OZTURK]]></dc:creator>
		<pubDate>Fri, 28 Mar 2025 09:30:03 +0000</pubDate>
				<category><![CDATA[Crypto News]]></category>
		<category><![CDATA[EN]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[bitcoin]]></category>
		<category><![CDATA[btc]]></category>
		<category><![CDATA[crypto]]></category>
		<category><![CDATA[eth]]></category>
		<category><![CDATA[ethereum]]></category>
		<category><![CDATA[European Union]]></category>
		<category><![CDATA[financial policy]]></category>
		<category><![CDATA[insurance]]></category>
		<category><![CDATA[Luxembourg]]></category>
		<category><![CDATA[regulation]]></category>
		<category><![CDATA[sweden]]></category>
		<category><![CDATA[volatility]]></category>
		<guid isPermaLink="false">https://coinengineer.net/blog/?p=39226</guid>

					<description><![CDATA[<p>The European Union’s insurance authority has introduced a proposal requiring insurance firms to hold capital equal to the value of their crypto holdings. This move aims to mitigate risks associated with high volatility in the digital asset market. The European Insurance and Occupational Pensions Authority (EIOPA) presented the proposal in a Technical Advice report to</p>
<p>The post <a href="https://coinengineer.net/blog/eu-watchdog-proposes-100-capital-requirement-for-crypto-holdings/">EU Watchdog Proposes 100% Capital Requirement for Crypto Holdings</a> appeared first on <a href="https://coinengineer.net/blog">Coin Engineer</a>.</p>
]]></description>
										<content:encoded><![CDATA[<p data-pm-slice="1 1 []">The European Union’s insurance authority has introduced a proposal requiring insurance firms to hold capital equal to the value of their <strong>crypto</strong> holdings. This move aims to mitigate risks associated with high volatility in the digital asset market.</p>
<p>The <strong>European Insurance and Occupational Pensions Authority (EIOPA)</strong> presented the proposal in a Technical Advice report to the <strong>European Commission</strong> on <strong>March 27</strong>. Unlike traditional asset classes such as stocks and real estate, which have lower capital requirements, <strong>crypto</strong> assets would need to be fully backed.</p>
<p><em>“EIOPA considers a 100% haircut in the standard formula prudent and appropriate for these assets in view of their inherent risks and high volatility,” </em>the authority stated.</p>
<h2>Why the 100% Requirement?</h2>
<p>The <strong>100% capital charge</strong> is based on the assumption that <strong>crypto</strong> prices could drop completely. EIOPA noted that <strong>Bitcoin (BTC)</strong> and <strong>Ether (ETH)</strong> have previously seen declines of <strong>82% and 91%</strong>, respectively. This is significantly higher than the capital requirements for stocks (<strong>39%-49%</strong>) and real estate (<strong>25%</strong>), according to <strong>Commission Delegated Regulation 2015/35</strong>.</p>
<hr />
<p><strong><em>You Might Be Interested In: <a href="https://coinengineer.net/blog/elon-musk-talks-about-the-name-of-a-new-memecoin/">Elon Musk Talks About the Name of a New Memecoin!</a></em></strong></p>
<hr />
<p>EIOPA offered four options for the <strong>European Commission</strong>:</p>
<ol>
<li>Make no changes.</li>
<li>Implement an <strong>80% stress level</strong> for <strong>crypto</strong> holdings.</li>
<li>Implement a <strong>100% stress level</strong> (EIOPA’s recommendation).</li>
<li>Broaden the approach to include risks of <strong>tokenized assets</strong>.</li>
</ol>
<p><em>“An 80% stress to the value of <strong>crypto</strong>-asset exposures does not appear sufficiently prudent,”</em> EIOPA stated, emphasizing the need for <strong>100% backing</strong>.</p>
<p><img loading="lazy" decoding="async" class="aligncenter wp-image-152171 size-full" src="https://coinmuhendisi.com/blog/wp-content/uploads/2025/03/ab-1.webp" alt="ab" width="727" height="366" /></p>
<h2>Impact on Insurance Markets</h2>
<p>The proposed regulation would mostly affect insurers in <strong>Luxembourg</strong> and <strong>Sweden</strong>, which account for <strong>69%</strong> and <strong>21%</strong> of all <strong>crypto</strong>-related insurance undertakings. Other impacted nations include <strong>Ireland (3.4%)</strong>, <strong>Denmark (1.4%)</strong>, and <strong>Liechtenstein (1.2%)</strong>.</p>
<p>Most of these holdings are structured within funds, such as <strong>exchange-traded funds (ETFs)</strong>, and held on behalf of <strong>unit-linked policyholders</strong>.</p>
<p><img loading="lazy" decoding="async" class="aligncenter wp-image-152170 size-full" src="https://coinmuhendisi.com/blog/wp-content/uploads/2025/03/ab.webp" alt="ab" width="885" height="496" /></p>
<h2>Future of Crypto in Insurance</h2>
<p>Despite proposing a <strong>100% capital requirement</strong>, EIOPA acknowledged that broader adoption of <strong>crypto</strong> assets may require a more <strong>differentiated approach</strong> in the future. As the sector evolves, further regulatory adjustments could be introduced.</p>
<hr />
<p><em>You can also freely share your thoughts and comments about the topic in the comment section. Additionally, don’t forget to follow us on our <a href="https://t.me/coinengineernews" target="_blank" rel="nofollow noopener"><strong>Telegram, </strong></a><a href="https://www.youtube.com/@CoinEngineer" target="_blank" rel="nofollow noopener"><strong>YouTube</strong></a>, and <a href="https://twitter.com/coinengineers" target="_blank" rel="nofollow noopener"><strong>Twitter</strong></a> channels for the latest <a title="News" href="https://coinengineer.net/blog/news/" data-internallinksmanager029f6b8e52c="7">news</a> and updates.</em></p>
<p>The post <a href="https://coinengineer.net/blog/eu-watchdog-proposes-100-capital-requirement-for-crypto-holdings/">EU Watchdog Proposes 100% Capital Requirement for Crypto Holdings</a> appeared first on <a href="https://coinengineer.net/blog">Coin Engineer</a>.</p>
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