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Main Roadmap

We want users to be able to get insurance quotes dynamically, in real-time, with information that is readily available. As such, a Google Chrome extension would allow Nimblr users to access real time quotes for any shopping they are doing on Chrome. This could include Amazon purchases, travel, event tickets, etc.

Nimblr Google Chrome Extension

Adam Hofmann

The ability to accept Risk Capital Liquidity across multiple chains.

Cross Chain Liquidity Options

Working with our partners in DePin and Telematics as well as insurance partners, launch a Usage Based Auto Insurance product that allows for hyper-personalized rates and pay-as-you-go coverage.

Usage Based Auto Insurance

Launch of our cross-chain Nimblr Token as the primary utility token for members of Nimblr.

$NIMBLR Token Launch

Insure your music gear, instruments, etc, using Nimblr. Your policy also acts as a dynamic appraisal of your equipment to insure your coverage is aligned with value.

Niche Property Insurance Coverage MUSIC EQUIPMENT

Moving on from the Private TesNet, we’ll be launching the public testnet for all to try.

Public TestNet

Nimblr token holders ($NIMBLR) have the ability to participate in the governance of the platform, specifically in the management of risk pools, the common reserve, and the Nimblr Community Treasury. Governance is facilitated through the Nimblr Governance Voting Machine, a decentralized platform where $NIMBLR holders can actively contribute to decision-making processes that shape the future of the ecosystem.<h3>4.2. Voting Mechanisms</h3>Voting within the Nimblr ecosystem is weighted according to the number of $NIMBLR tokens held by each participant. Proposals are submitted through the Nimblr Governance Voting Machine, and for a vote to be considered valid and pass, a minimum quorum of 50% of token holders must participate. This ensures that decisions reflect the collective interests of a significant portion of the community.<h3>4.3. Decentralized Governance</h3>Governance will officially begin once the token reaches a state of sufficient decentralization, and the insurance capital pools are adequately funded. For full transparency, we define sufficient decentralization as a network consisting of hundreds or thousands of active nodes, where no single entity controls more than 10% of the total nodes.Once these conditions are met, $NIMBLR token holders will have the authority to govern a wide range of activities, including:<ul><li>Voting on Claims Council: Electing a council comprised of professionals and experts, such as lawyers, underwriters, appraisers, and claims assessors, to oversee claims and ensure fair, expert-driven decisions.</li><li>Fee and Commission Structure: Setting and adjusting the fee and commission structures that determine the financial dynamics of the platform.</li><li>Risk Pool Treasury Management: Deciding on the management of the risk pool treasury, including the allocation of rewards, incentives, and grants to promote growth and stability within the ecosystem.</li><li>New Integrations, Partnerships, and Projects: Approving or rejecting new integrations, strategic partnerships, and projects that aim to enhance the platform's capabilities and expand its reach.</li><li>Ongoing Items: Addressing additional governance matters as they arise, ensuring the platform remains responsive to the needs of the community and the evolving landscape of decentralized insurance.</li></ul>Through these mechanisms, Nimblr ensures that its governance remains truly decentralized, empowering its community of token holders to shape the future of the platform in a transparent and democratic manner.How it WorksNimblr governance decentralizes the Nimblr protocol; enabling Nimblrs to govern the risk pools and common reserve as well as the Nimblr Community Treasury. Governance is handled through the Nimblr Governance Voting Machine.Nimblr Governance Voting Machine (NGVM) &amp; NIMBxNGVM is intended to replicate the familiar process of voting in the "traditional" world with the additional benefits, transparency, and security of decentralized technology. The voting machine is used to promote a fair and just insurance process for all and works through integration with $NIMBLR and the government token, NIMBx.To obtain NIMBx, users lock $NIMBLR in NGMV. This grants voting power and the ability to submit proposal requests within the Nimblr protocol. The amount of NIMBx received is determined by both the quantity of $NIMBLR locked and the duration of the lock.Benefits:<ul><li>Access to Nimblr Decentralized City Hall: NIMBx holders can view, discuss, and create proposals, and actively participate in the governance of the Nimblr ecosystem.</li><li>Allocation of NIMBx as Tips: NIMBx can be distributed by governors across different risk pockets, risk classes, and insurance professionals as a “tip.” This accumulation of NIMBx over time, determines the distribution of $NIMBLR rewards and bonuses for the next rewards period according to the emission schedule in force at that time.</li><li>Insurance Discounts: Governors who stake $NIMBLR receive discounts on their insurance premiums. The discount is calculated based on the amount of $NIMBLR staked and the length of the staking period, rewarding long-term commitment to the platform. The Nimblr Trust Score is also used in this calculation and as an additional rating metric.</li></ul>

Nimblr Governance

Nimblr capital providers can use their NFT proof of investment position to trade or sell on the secondary market.

Secondary Market NFT Investment Sales & Trades

All work done by Nimblr professionals can be minted as an NFT and tied to that insurance professional. When their work is used by another Risk Pool or Risk Pocket, they are paid royalties and profitability. This has the benefit of lowering the cost of launching a risk pocket while still rewarding insurance professionals for their work.

Insurance Professional Rating Model NFT & Royalties

Working with a partner organization, Nimblr is building an on-chain portal for insurance professional to receive their Continuing Education credentials, designations, and more on-chain. This allows for ZKP verification and incentivizing continuing education. Ultimately strengthening the insurance industry.

On-Chain ZKP Insurance Professional Designations

Certify insurance professionals and onboard them into the Nimblr ecosystem. This allows insurance professionals the ability to work on Risk Pockets and Risk Pools by building underwriting models, actuarial models, assess claims, and more. A new way to work for the insurance industry.

Insurance Professional Onboarding

Ecosystem wide reserve of capital for the benefit of Nimblr members, insureds, and LPs. This provides additional capital stability.

Nimblr Common Reserve

We believe in building an insurance world where everyone can get the coverage they want for practically any need. To get there, we’re building a system that can handle this with a simple “ask”.

Ask Nimblr AI Integration

Launch smart contract hack and smart contract vulnerability insurance products for users of protocols on the Algorand blockchain

DeFi Insurance Coverage Options

Private Testnet to our Whitelisted pre-launch users, investors, and advisors. Testing and implementation of new features.

Private Beta Testnet

Receive final insurance license and digital asset license from Bermuda Monetary Authority

Licenses Issued for Insurance and Digital Assets

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