Re Xyz is the Internet Capital Market for Insurance Risk. It brings reinsurance on-chain, making this traditionally opaque and inaccessible market visible, investable, and transparent for everyone.
Historically, the global reinsurance market — worth hundreds of billions of dollars — has only been accessible to large institutional players. Re Xyz democratises access by tokenising reinsurance risk so that DeFi participants can earn yield backed by real-world insurance premiums.
reUSD is a yield-bearing stablecoin backed by real-world assets, including insurance premiums. It currently offers approximately 6.1% APY and is available across Ethereum, Avalanche, Base, and Arbitrum.
reUSDe is an enhanced-yield liquid token designed for users seeking higher returns. It currently offers approximately 12.0% APY by combining reinsurance yield with additional leveraged strategies on Ethereum.
Re Xyz channels capital into a portfolio of reinsurance contracts. When insurers cede risk to reinsurers, premiums flow to capital providers. By tokenising this process, Re Xyz allows reUSD and reUSDe holders to passively earn a share of these premiums.
The yield is sourced from institutional-grade reinsurance contracts, not from speculative token emissions or inflationary mechanisms, making it fundamentally different from many other DeFi yield products.
Re Xyz is a multi-chain protocol. reUSD is currently available on Ethereum, Avalanche, Base, and Arbitrum. reUSDe is available on Ethereum. Additional chain integrations are actively planned to further expand accessibility.
You can bridge and hold reUSD across all supported chains, enabling you to use it as collateral or liquidity on each network's native DeFi ecosystem.
Getting started is straightforward: visit app.re-xyz.org, connect your Web3 wallet (MetaMask, Coinbase Wallet, WalletConnect, and others are supported), then navigate to the reUSD or reUSDe pages to mint or acquire tokens.
Once you hold reUSD or reUSDe, your balance automatically accrues yield. You can also explore additional Earning Opportunities on the portfolio page to multiply your points and returns through partner protocols like Pendle, Morpho, Curve, and more.
Re Xyz Points are earned by holding reUSD or reUSDe, or by deploying them across supported partner protocols. Every dollar of exposure earns daily points, with multipliers ranging from 5x for core positions up to 30x for strategies like Pendle YT.
Points track your contribution to the Re Xyz ecosystem and are expected to play a role in future governance or token distribution. You can monitor your daily and cumulative point earnings in real time via the Points page.
The highest multipliers are currently available through Pendle YT reUSD and reUSDe (30x) and Pendle LP reUSD and reUSDe (30x). Liquidity provision strategies on Curve and Blackhole offer 20x, while base holding and lending market strategies offer 5x.
Fluid lending is expected to offer 5x to 20x once tracking is enabled, and will be backdated. Always review the risk profile of each strategy before committing capital.
Like all DeFi and real-world asset protocols, Re Xyz carries risks. These include: smart contract risk (bugs or exploits in on-chain code), reinsurance underwriting risk (losses from catastrophic insurance events that exceed premiums), liquidity risk (ability to exit large positions quickly), and regulatory risk.
Re Xyz mitigates these through institutional-grade underwriting practices, audited smart contracts, and diversified reinsurance portfolios. Users should read the documentation thoroughly and only invest capital they can afford to hold long-term.
Re Xyz is developed under the Resilience Foundation, a non-profit entity focused on building open infrastructure for insurance risk markets. The protocol's smart contracts undergo independent security audits prior to deployment.
Audit reports, technical documentation, and governance information are available via the official docs.re.xyz portal. The team maintains transparency through regular blog posts and community updates on Discord and Telegram.
Re Xyz has integrations with a growing number of leading DeFi protocols. Currently live integrations include: Pendle (yield trading, YT and LP positions), Morpho (collateralised lending on Ethereum), Euler (vault lending on Base), Silo (collateral markets on Avalanche), Curve (stable and volatile liquidity pools), Blackhole (concentrated liquidity on Avalanche), and Fluid (lending on Ethereum, tracking coming soon).
Each integration allows you to use reUSD or reUSDe within established DeFi ecosystems while continuing to earn Re Xyz points on your underlying exposure.
Yes. reUSD is accepted as collateral on Morpho (Ethereum), Euler Vault (Base), and Silo (Avalanche). By posting reUSD as collateral, you can borrow other assets while your reUSD continues to accrue yield and Re Xyz points.
This creates a capital-efficient strategy: earn reinsurance yield on your reUSD while also accessing liquidity through borrowing. Always maintain a safe collateralisation ratio to avoid liquidation.