How Insurmeme works
One idea: a coin that pays its holders back if it drops. Here's the whole thing, in plain words.
The thesis
Memecoins ask people to hold something with no floor. So people don't hold β they flip. That kills the coin.
Insurmeme gives holders a floor. Every trade on your coin sends a slice of pump.fun's creator fees into an on-chain coverage pool. If the price drops past a line you set, the people who held get paid from that pool. The coin literally funds its own insurance.
How coverage works
Launch through Insurmeme
You set a hold period and a drop threshold. We launch your coin on pump.fun and set a fee-sharing config that routes 50% of your creator fees into the coverage pool. This is set once, at launch.
Buyers get insured automatically
Anyone who buys through Insurmeme during the coverage window is registered on the spot. We read their exact cost basis straight from their on-chain buy β no forms, no extra clicks.
Hold to maturity
Coverage matures after the hold period. If the price has fallen past the threshold, every holder who still holds their full amount claims a pro-rata slice of the pool. Sell early and you forfeit β that's what keeps the float locked and the price supported.
Why it reinforces itself
Insured holders don't sell, because selling forfeits coverage. Less selling means the price holds. A price that holds means fewer claims. Fewer claims means the pool stays full for everyone who does need it. The insurance and the price support are the same mechanism.
The tech
Launchpad. Coins are created on pump.fun with your connected wallet as the creator. Non-custodial β we never hold your keys.
Fee routing. A pump.fun sharing_config splits creator fees between you and the coverage pool. On-chain, automatic, set once.
Registration. Your cost basis is derived from the real buy transaction (SOL spent Γ· tokens received), so it can't be faked.
Pricing. Pre-graduation price comes from the on-chain bonding curve; post-graduation from Jupiter's aggregated price.
Payouts. Pro-rata from the pool. The protocol can never pay out more than the pool holds β it is insolvency-proof by construction.
Fees
To launch. 0.1SOL, on top of pump.fun's standard fee.
To the pool. A share of creator fees (default 50%, you choose at launch). The rest stays with you.
To claim. Nothing. You just pay network gas.
The safeguards
To stop early-rug gaming, coverage doesn't pay out before day 3, so there's always real value in the pool before any claim. Unclaimed coverage is held for 30 days after maturity before it can be swept.
Roadmap
Now β V1. Fee routing is on-chain from day one. The coverage pool and payouts are run by the Insurmeme protocol so we could ship fast and cheap.
Next β token-wired, fully on-chain. The Insurmeme ecosystem token gets wired in shortly after launch. That moves the vault and settlement fully on-chain β completely trustless β and lets the protocol mechanically accrue value into the token. The plumbing is built to switch over with no change to how coverage works for you.
Insurance* β read this
βInsuranceβ is how we describe the mechanic in plain English. It is not a regulated insurance product, and nothing here is financial advice. Payouts are pro-rata slices of a self-funded community pool and are never guaranteed β if the pool is small (for example, a coin that dies early with little trading), payouts are small. You can lose everything you put in. Memecoins are extremely risky. Only ever risk what you can afford to lose.