InsurAce is a decentralized insurance protocol, aiming to provide reliable, robust and carefree DeFi insurance services to the DeFi users, with very low premium and sustainable investment returns. We respect all the DeFi insurance pioneers and do not consider ourselves as a competitor to the existing players, but a necessary complementary role to the immense and expansive DeFi world. Portfolio-based product design and unique pricing model to optimize cover cost, together with sustainable investment returns, achieving ultra-low premium close to “0”. Wallet-based accessibility (No KYC), portfolio-based product design, cross-chain protocols coverage, providing flexible and easily accessible insurance protection to end users. The insured, insurer and investors are able to participate in the SCR (Solvency Capital Requirement) liquidity mining to earn the InsurAce Token (INSUR) by staking into the insurance and investment pool. It will drastically increase the capital pool, cover capacity, investable capital and further reduce the insurance premium. Except SCR Mining rewards, investors will be able to gain sustainable returns from investment products offered by InsurAce.