去中心化保險：DeFi生態系風險管理的新時代

Nexus Mutual 和 InsurAce 等去中心化保險協議透過提供智慧合約和平台覆蓋來減輕與去中心化技術相關的風險，在 DeFi 的發展中發揮著至關重要的作用。

Decentralized insurance is a type of insurance that uses blockchain technology to provide coverage without the need for a centralized insurance provider. Instead, decentralized insurance protocols rely on decentralized governance and smart contracts to manage risk, claims, and payouts.

去中心化保險是一種利用區塊鏈技術提供保險保障而無需中心化保險提供者的保險。相反，去中心化保險協議依賴去中心化治理和智慧合約來管理風險、索賠和支出。

The idea behind decentralized insurance is to provide more transparent, efficient, and cost-effective coverage for decentralized systems, like those used in the DeFi space. Since traditional insurance is often expensive and slow due to administrative overheads, decentralized alternatives aim to streamline the process while also making it more accessible.

去中心化保險背後的想法是為去中心化系統（例如 DeFi 領域使用的系統）提供更透明、高效且更具成本效益的保險。由於管理費用高昂，傳統保險往往價格昂貴且速度緩慢，因此去中心化替代方案旨在簡化流程，同時使其更容易獲得。

Here are some of the key features of decentralized insurance:

以下是去中心化保險的一些主要特徵：

Decentralized insurance protocols, such as Nexus Mutual and InsurAce, are designed to address the specific risks associated with smart contracts and decentralized technologies. These protocols offer coverage for smart contract failures, hacks, and other vulnerabilities that could lead to financial losses in the crypto space.

Nexus Mutual 和 InsurAce 等去中心化保險協議旨在解決與智慧合約和去中心化技術相關的特定風險。這些協定涵蓋了智慧合約故障、駭客攻擊和其他可能導致加密領域經濟損失的漏洞。

By providing a decentralized and community-governed mechanism for insurance, these protocols aim to reduce the risks of fraud, corruption, or biased decision-making that are inherent in traditional insurance models.

透過提供去中心化和社區治理的保險機制，這些協議旨在減少傳統保險模式中固有的詐欺、腐敗或偏見決策的風險。

Nexus Mutual is one of the leading decentralized insurance protocols, providing coverage primarily for risks associated with smart contracts, DeFi protocols, and blockchain infrastructure. The project was founded in 2017 and launched its mainnet in 2020. Nexus Mutual’s approach to decentralized insurance revolves around risk pooling and community governance, which is facilitated through the use of its native token, NXM.

Nexus Mutual 是領先的去中心化保險協議之一，主要為與智能合約、DeFi 協議和區塊鏈基礎設施相關的風險提供保險。該計畫成立於 2017 年，並於 2020 年推出主網。

Here's a breakdown of how Nexus Mutual works:

以下是 Nexus Mutual 運作方式的詳細說明：

At the core of Nexus Mutual's decentralized insurance protocol is a risk pool, which is a collection of funds contributed by members to cover potential claims. The size of the risk pool determines the capacity of the insurance coverage.

Nexus Mutual 去中心化保險協議的核心是風險池，它是成員為支付潛在索賠而貢獻的資金的集合。風險池的大小決定了保險承保的能力。

To participate in the insurance pool, members must purchase and hold a minimum amount of NXM tokens, which serves as their stake in the pool and aligns their incentives with the collective interest of the community.

要參與保險池，會員必須購買並持有最低數量的 NXM 代幣，這些代幣作為他們在保險池中的權益，並使他們的激勵與社區的集體利益保持一致。

When a user wants to obtain coverage, they submit a request to the Nexus Mutual community, detailing the specific risks and terms they wish to insure against. The community then votes on whether to approve the coverage request.

當使用者想要獲得保險時，他們會向 Nexus Mutual 社群提交請求，詳細說明他們希望投保的特定風險和條款。然後社區投票決定是否批准承保請求。

If the coverage request is approved, the user pays a premium to join the insurance pool and receives a policy that outlines the coverage details and limits.

如果承保請求獲得批准，用戶支付保費即可加入保險池，並收到一份概述承保詳細資訊和限額的保單。

In the event of a covered loss, the user can file a claim, which is then assessed and voted on by the community members. If the claim is valid, it is processed and paid out from the risk pool.

如果發生承保損失，使用者可以提出索賠，然後由社區成員進行評估和投票。如果索賠有效，則會處理索賠並從風險池中支付。

Nexus Mutual offers various types of coverage, including:

Nexus Mutual 提供各種類型的保險，包括：

Smart contract coverage: This protects against financial losses caused by smart contract bugs, exploits, or failures.

智慧合約涵蓋範圍：這可以防止因智慧合約錯誤、漏洞或故障而造成的經濟損失。

DeFi protocol coverage: This covers risks related to hacks, exploits, or failures specifically within decentralized finance (DeFi) protocols.

DeFi 協議涵蓋範圍：這涵蓋了與駭客、漏洞利用或故障相關的風險，特別是在去中心化金融 (DeFi) 協議中。

Blockchain infrastructure coverage: This provides insurance against downtime, censorship, or other disruptions affecting blockchain networks.

區塊鏈基礎設施覆蓋範圍：這提供了針對停機、審查或其他影響區塊鏈網路的中斷的保險。

InsurAce is another prominent decentralized insurance protocol that provides coverage for smart contract vulnerabilities and other risks associated with DeFi. InsurAce was launched in 2020 and operates on several blockchains, including Ethereum, Binance Smart Chain (BSC), and Avalanche. Unlike Nexus Mutual, which is focused on community-based governance, InsurAce offers a more structured model, with professional insurance providers participating in the risk management process.

InsurAce 是另一個著名的去中心化保險協議，為智慧合約漏洞和與 DeFi 相關的其他風險提供保險。 InsurAce 於 2020 年推出，在多個區塊鏈上運行，包括以太坊、幣安智能鏈 (BSC) 和 Avalanche。與專注於社區為基礎的治理的 Nexus Mutual 不同，InsurAce 提供了一個更結構化的模型，由專業保險提供者參與風險管理流程。

Here's an overview of how InsurAce works:

以下是 InsurAce 運作方式的概述：

InsurAce provides decentralized insurance through a network of professional insurance providers known as InsurAce Partners. These partners underwrite and manage the insurance policies, offering various types of coverage to meet the needs of DeFi users and protocols.

InsurAce 透過稱為 InsurAce Partners 的專業保險提供者網路提供去中心化保險。這些合作夥伴承保和管理保險單，提供各種類型的保險，以滿足 DeFi 用戶和協議的需求。

Users can purchase insurance coverage directly from InsurAce Partners, who set the terms, premiums, and coverage limits based on the assessed risks.

使用者可以直接從 InsurAce Partners 購買保險，InsurAce Partners 根據評估的風險設定條款、保費和承保限額。

InsurAce maintains a decentralized insurance marketplace where users can compare and select the most suitable coverage options from multiple InsurAce Partners.

InsurAce 維護一個去中心化的保險市場，用戶可以從多個 InsurAce 合作夥伴中進行比較並選擇最合適的保險選項。

The InsurAce protocol governs the overall insurance framework, including the onboarding and regulation of InsurAce Partners and the standardization of insurance policies.

InsurAce 協議管理整個保險框架，包括 InsurAce 合作夥伴的加入和監管以及保險單的標準化。

InsurAce provides coverage for a variety of risks, including:

InsurAce 為各種風險提供保險，包括：

Smart contract failure: This covers losses due to bugs, exploits, or failures in smart contracts used by DeFi protocols or applications.

智慧合約故障：這涵蓋了因 DeFi 協定或應用程式使用的智慧合約中的錯誤、漏洞或故障而造成的損失。

DeFi protocol hacks: This protects against financial losses resulting from hacks or unauthorized access to decentralized finance (DeFI) protocols.

DeFi 協定駭客攻擊：這可以防止駭客攻擊或未經授權存取去中心化金融 (DeFI) 協定而造成的經濟損失。

DeFi protocol insolvency: This covers losses if a DeFi protocol becomes insolvent and is unable to fulfill its obligations to users.

DeFi 協議破產：這涵蓋了 DeFi 協議破產且無法履行對用戶的義務時造成的損失。

Smart contract vulnerability: This provides insurance against losses caused by known or unknown vulnerabilities in smart contracts used by DeFi protocols or applications.

智慧合約漏洞：這為 DeFi 協定或應用程式使用的智慧合約中已知或未知漏洞造成的損失提供了保險。

Decentralized insurance protocols, such as Nexus Mutual and InsurAce, offer several key features and advantages:

去中心化保險協議，例如 Nexus Mutual 和 InsurAce，提供了幾個關鍵功能和優勢：

1. Decentralization and Transparency

1. 去中心化和透明度

The decentralized nature of protocols like Nexus Mutual and InsurAce ensures that decisions, claims, and payouts are made transparently and without central authority. This reduces the risk of fraud, corruption, or biased decision-making that is common in traditional insurance models.

Nexus Mutual 和 InsurAce 等協議的去中心化性質確保了決策、索賠和支付都是透明地做出的，無需中央授權。這降低了傳統保險模式中常見的詐欺、腐敗或決策偏誤的風險。

2. Lower Costs and

2. 降低成本