Chapter 4: Core Applications and Ecosystem
4.1 Super Insure Protocol (Super Insurance)
Super Insurance is the core AI-driven insurance application of Super AI Chain. It builds a closed loop of "user participation - capital injection - rights and interests feedback" through the "SIP equity certificate", providing downside hedge for anchored assets such as SBTC and SETH, and at the same time providing stable dividends for holders.
4.1.1 Core Attributes and User Rights of SIP
Attribute Constraints: Non-circulating token, only obtainable through designated channels (not supporting trading), and the only certificate for enjoying Super Insurance services.
User Rights:
Guarantee Rights: Holding SIP allows enjoying the downside hedge of anchored assets, and the AI dynamically adjusts the compensation threshold (default 50%, adjusted down to 40% when volatility ＞ 30%);
Dividend Rights: Participate in the dividend of the incentive pool daily according to the weighted ratio of "holding amount × holding days". The longer the holding period and the larger the amount held, the higher the dividend amount;
Claim Rights: When compensation is triggered, the funds in the compensation pool are divided according to the holding ratio, and the total compensation amount is released linearly over 365 days.
4.1.2 Ways to Obtain SIP and Injection into the Fund Pool
The Super Insurance fund pool (for dividends and compensation) is only injected through SUP. There are two ways for users to obtain SIP:
Mode A: Pay Insurance Premium for Asset Exchange: When users cross-chain exchange BTC/ETH for SBTC/SETH, they need to pay an additional 10% SUP as insurance premium. This part of SUP is 100% injected into the fund pool, and at the same time, a certificate is issued according to the ratio of "1 SUP : 100 SIP" (example: pay 2 SUP to obtain 200 SIP).
Mode B: Obtain Certificate through Profit Feedback: When users sell their profits in the ecosystem (trading/mining/node rewards), they need to inject 50% of the profits (valued in SUP) into the fund pool without additional fees, and obtain the corresponding certificate according to the ratio of "1 SUP : 100 SIP" (example: inject 5 SUP from 10 SUP profits to obtain 500 SIP).
Note: All SUP injections are executed through smart contracts, and the capital flow is on-chain and verifiable, with no intermediate account handling.
4.1.3 Fund Pool Allocation and Dynamic Regulation
The fund pool is split at a fixed ratio of "5:5", and the AI module monitors the balance and holdings in real time to dynamically adjust the dividend rate:
50% Incentive Dividend Pool: The capital source includes the injected SUP and ecological earnings in the pool (such as SUP staking interest). Dividends are automatically distributed daily. When there is a surplus, the rate is increased (maximum 1.2 times), and when it is tight, the rate is decreased (minimum 0.8 times).
50% Compensation Reserve Pool: Only used for claims when the anchored asset decline triggers compensation, and does not participate in dividends. The balance is publicly announced in real time (users can query through the on-chain browser) to ensure the transparency of the guarantee capacity.
4.1.4 Compensation Mechanism and Emergency Supplement
Compensation Trigger and Execution: When the decline of the anchored asset exceeds the AI threshold, the system automatically triggers compensation, and users do not need to apply:
Proportional Allocation: Eligible SIP holders divide 0.1% of the balance of the compensation pool according to the ratio of "individual compensation amount / total network compensation amount";
Dual Upper Limit: The daily compensation amount ≤ 1/365 of the total due compensation amount and ≤ 0.1% of the balance of the compensation pool, avoiding the exhaustion of the fund pool.
Emergency Supplement Rule: If the actual daily compensation amount in a natural month ＜ (total due compensation amount of the month / 500) (determined as insufficient liquidity), 10% of the current balance of SUP in the "Super Insurance SUP-SIP Liquidity Pool" will be automatically allocated to the compensation pool on the 1st day of the next month to supplement liquidity.
4.1.5 Economic Closed-Loop Logic
Users obtain SIP through "paying insurance premiums / profit feedback", and inject SUP to enrich the fund pool;
Dividends from the incentive pool attract long-term holdings, and the compensation pool guarantees asset security, which double enhances user trust;
New users join to inject new funds, combined with the appreciation of earnings in the pool, improving the dividend and compensation capabilities;
Emergency supplements are activated when liquidity is insufficient to ensure the closed loop is not interrupted, forming a positive cycle of "security → trust → ecological expansion".
4.2 AI + Super Airdrop
Core Mechanism
Users holding SUSDT can obtain SUP airdrop rewards daily. The airdrop quota is dynamically calculated by Super AI based on "holding amount × holding days × on-chain activity". The specific rules are as follows:
Basic Airdrop Ratio: Holding 10,000 SUSDT entitles to a daily airdrop of 10 SUP. Holding for more than 30 days entitles to an additional 20% bonus (i.e., 12 SUP/day), and holding for more than 90 days entitles to an additional 50% bonus (i.e., 15 SUP/day).
Activity Bonus: Users who participate in light node auctions (regardless of winning or not), SUP staking, or SIP exchange every month will have their airdrop quota increased by an additional 10%-30% (determined by the AI based on the frequency of behaviors).
Airdrop Distribution: On-chain automatic settlement at 24:00 every day, and rewards are directly distributed to the user's wallet. Details can be queried in real time.
User Value
Obtain risk-free airdrops through SUSDT holdings, reducing the participation threshold for ordinary users, and at the same time precipitating stable funds for the ecosystem, reducing short-term speculative volatility in the market.
4.3 AI + Super Staking
Staking Mechanism and Dual Rewards
Users can stake four types of assets: SUP, SBTC, SETH, and SUSDT, and obtain dual rewards of "SUP + AI Computing Power Certificate":
Basic Reward (SUP): The staking annualized rate is linked to the asset type and period. The annualized rate for SUSDT staking is 5%-8% (anchored to U.S. Treasury bond yields), and the annualized rate for SUP staking is the same as node mining (5% for 3 months, 10% for 12 months).
Additional Reward (AI Computing Power Certificate): Issued at a ratio of 1:1 based on the staking quota (example: staking 1,000 SUP to obtain 1,000 computing power). Uses of the certificate:
Model Calling: 1,000 computing power can be used to call the Super AI risk control model training once (supporting developers to optimize dApp risk control);
Rights and Interests Redemption: 10,000 computing power can be redeemed for 100 SUP (limited to once a month, requiring holding computing power for more than 30 days);
Light Node Auction Bonus: Holding computing power ≥ 5,000 can obtain a 5% bid weight bonus in the light node auction.
Staking Operation Path
Open the "Staking Module" of the Super AI Chain wallet and select the type and period of the asset to be staked;
After confirming the staking quota, the system automatically generates a staking certificate (on-chain confirmation of rights);
SUP rewards are automatically distributed daily, and the computing power certificate is credited immediately when the staking takes effect.
4.4 Planet Cloning Strategy (PCS)
Core Positioning and Support System
PCS is the core strategy for the ecological expansion of Super AI Chain. It quickly expands the ecological territory by replicating mature ecological models and connecting high-traffic applications, providing project parties with a "one-stop migration solution":
Financial Support: Provide migrated projects with a maximum of 10 million SUP for development funds + 5 million SUP for liquidity pool funds (subject to review of ecological contributions, such as user scale and application scenario matching).
Resource Support: Provide digital trade alliance endorsement, Super AI Chain traffic entrance (homepage recommendation), and cross-chain tool adaptation, reducing technical and operational costs.
Feature Guarantee: Migrated projects automatically access "Super Insurance (SIP)", and user assets enjoy 3 months of free guarantee by default, improving user retention.
Implemented Cases and Results
Case 1: A DEX application on an EVM chain migrated through PCS. Super AI Chain provided 3 million SUP for the liquidity pool. After migration, the daily active users (DAU) increased by 50%, and the transaction fees decreased by 30%.
Case 2: After a lending-type dApp migrated, it optimized the risk control model with the help of the Super AI Chain AI module. The non-performing loan rate dropped from 2% to 0.5%, and the user staking scale doubled in 3 months.
Migration Process
The project party submits a migration application (including the application white paper and user scale data);
The Super AI Chain Foundation completes the review within 7 working days and confirms the support quota;
The technical team provides EVM adaptation tools and completes the deployment within 10 working days (T+10);
Provide operational support within 1 month after launch to ensure a smooth transition.
4.5 Stablecoin Earning Mechanism and Asset Appreciation Path (SUSDT Earning & Appreciation)
4.5.1 Core Logic of Stablecoin Earnings
SUSDT in the Super AI Chain ecosystem can access mature external lending/aggregation projects such as Aave and Compound through cross-chain or ecological adaptation capabilities. While retaining the basic functions of "trading medium and payment settlement", it can obtain stable returns higher than or close to U.S. Treasury bonds. Currently, the annual percentage yield (APY) of SUSDT accessing the above-mentioned mature projects is generally in the range of 4%-10%, and some high-demand scenarios can exceed 12%, which combines the stability of traditional finance and the flexibility of on-chain appreciation.
4.5.2 Main Accessible Projects and Earnings Rules (Fully Restored)
Super AI Chain classifies the SUSDT earning scenarios into three categories: lending, earnings aggregation, and RWA & Treasury bonds, with the following accessible projects:
Lending Category
Aave (Decentralized Lending) ○ Mechanism: Super AI Chain users transfer SUSDT to the Aave ecosystem through cross-chain tools. Borrowers mortgage compliant assets such as WBTC and ETH to obtain loans, and SUSDT lenders automatically earn interest according to the protocol. ○ Annual Percentage Yield (APY): Usually 3%-8%, which can exceed 10% when the market is volatile or the loan demand is strong.
Compound (Decentralized Lending) ○ Mechanism: SUSDT is cross-chain deposited into Compound, which automatically generates cToken (on-chain confirmation certificate), and cToken accumulates interest according to the protocol rules. ○ Annual Percentage Yield (APY): Generally 2%-6%, which can reach 8% during the market active period.
Morpho (Centralized Lending) ○ Mechanism: Optimize the loan matching logic of Aave/Compound, reduce intermediate losses through peer-to-peer transactions, and improve the efficiency of SUSDT lending. ○ Annual Percentage Yield (APY): 4%-9%, significantly higher than basic lending projects.
Earnings Aggregation
Yearn Finance (Earnings Aggregation Tool) ○ Mechanism: SUSDT is cross-chain transferred to Yearn Vault, and the strategy automatically invests in high-yield channels such as Aave and Compound, and continuously reinvests to maximize compound interest. ○ Annual Percentage Yield (APY): 5%-12%, and some segmented strategies can be higher.
Idle Finance (Automated Asset Allocation) ○ Mechanism: Based on the AI module to monitor the APY of each protocol in real time, and automatically adjust the position for SUSDT holders (focusing on high returns or diversifying risks). ○ Annual Percentage Yield (APY): 4%-10%, among which the "stable mode" yield is similar to that of U.S. Treasury bonds (4%-5%), and the "aggressive mode" can exceed 8%.
RWA & Treasury Bonds Category
Ondo Finance (External Compliant RWA Project) ○ Mechanism: SUSDT is cross-chain exchanged for Ondo protocol certificates, and funds are 定向 invested in U.S. Treasury bond ETFs/money market funds. Holders of certificates enjoy dividend earnings. ○ Annual Percentage Yield (APY): 4%-5.5%, closely following the interest rate of U.S. Treasury bonds (1-2 years), with minimal volatility.
MakerDAO (External Cross-Chain Compatible RWA Project) ○ Mechanism: Relying on the cross-chain capability of Super AI Chain, SUSDT is exchanged for DAI. A part of the DAI reserve is invested in U.S. Treasury bonds and money market funds, and the interest is fed back to DSR (Dai Savings Rate). SUSDT holders participate in earnings indirectly. ○ Annual Percentage Yield (APY): 3.5%-5%, strongly correlated with U.S. Treasury bond interest rates, with controllable volatility.
4.5.3 User Value and Risk Control
Hierarchical Earnings: The earnings range covers a minimum annualized rate of 3%-4% (equivalent to the level of U.S. Treasury bonds) to a maximum annualized rate of 10%-12% (Yearn aggressive strategy).
Ecological Value: Enrich the capabilities of Super AI Chain in "asset security + cross-chain appreciation", attracting traditional low-risk preference funds (idle funds of SMEs, personal stable assets) to access mature projects through SUSDT.
Risk Control: Super AI monitors the fund pool balance and market volatility of the accessed projects in real time. When the APY fluctuation of a project ＞ 10%, it automatically pushes position adjustment suggestions to reduce the user's decision-making cost.
4.5.3 User Value and Risk Control
Low-Risk Advantage: All accessed projects are mature ecosystems that have been in operation for more than 3 years, with a historical non-performing loan rate ＜ 0.1% and earnings volatility ≤ 2%, close to the stability of traditional financial products.
Risk Control: Super AI monitors the fund pool balance and market volatility of the accessed projects in real time. When the APY fluctuation of a project ＞ 10%, it automatically pushes position adjustment suggestions to reduce the user's decision-making cost.
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