COVERRACCOON
Live from Nexus Mutual and our own recording

Pools

Two different things share the word 'pool'. One capital pool holds the real assets that pay claims. Many staking pools hold NXM and decide which products get capacity. Both compositions, at a glance.

The capital pool

What's actually sitting in the pool contract right now, read live from the chain (getAssets + balances), not a cached snapshot.

ETH
$9.7M 8%
stETH
$31.6M 28%
Enzyme Vault
$37.6M 33%
rETH
$8.6M 8%
Investment Safe
$12.1M 11%
USDC
$8.7M 8%
cbBTC
$315,193 0%
Other (not individually priced)
$5.4M 5%

Sum of the assets above: $114.0M · Nexus’ own figure (getPoolValueInEth): $114.0M. This breakdown prices ETH, stETH, rETH, USDC, DAI, cbBTC and the Enzyme investment vault at their own live rates; anything still unpriced is folded into “Other” above so the total always reconciles to Nexus’ own figure. For the DAO’s own view, see the Dune dashboard.

Asset mix, by share $114.0M
Enzyme Vault: $37.6M (33.0%)stETH: $31.6M (27.7%)Investment Safe: $12.1M (10.6%)ETH: $9.7M (8.5%)USDC: $8.7M (7.7%)rETH: $8.6M (7.6%)Other (not individually priced): $5.4M (4.7%)cbBTC: $315k (0.3%)
  • Enzyme Vault 33.0% $37.6M 15,348 Enzyme Vault
  • stETH 27.7% $31.6M 11,845 stETH
  • Investment Safe 10.6% $12.1M 4,529 Investment Safe
  • ETH 8.5% $9.7M 3,630 ETH
  • USDC 7.7% $8.7M 8,730,838 USDC
  • rETH 7.6% $8.6M 2,765 rETH
  • Other (not individually priced) 4.7% $5.4M
  • cbBTC 0.3% $315k 3.8793 cbBTC

Composition over time

ETH $9.7M
stETH $31.6M
Enzyme Vault $37.6M
rETH $8.6M
Investment Safe $12.1M
USDC $8.7M
cbBTC $315k
Other (not individually priced) $5.4M

When the capital expires

Staked NXM is not parked indefinitely. It is committed for a fixed period and then expires unless the staker renews. This is the only place that shows when.

Underwriting capital 567.8k NXM
Up for renewal within 12 months 63.6%
Next date in 31 days
Within 12 months Later
10/22/2026 · 63,141 NXM · 11.1% · 5 Pools11.1%10/22/202663.1k01/21/2027 · 56,977 NXM · 10.0% · 4 Pools10.0%01/21/202757.0k04/22/2027 · 46,542 NXM · 8.2% · 5 Pools8.2%04/22/202746.5k07/22/2027 · 194,370 NXM · 34.2% · 6 Pools34.2%07/22/2027194.4k10/21/2027 · 16,451 NXM · 2.9% · 2 Pools2.9%10/21/202716.5k01/20/2028 · 108,720 NXM · 19.1% · 2 Pools19.1%01/20/2028108.7k04/20/2028 · 81,600 NXM · 14.4% · 2 Pools14.4%04/20/202881.6k

Staked NXM is locked in fixed periods of 91 days to two years and then expires; the staker has to actively renew. Because the period boundaries are global, every pool shares the same handful of dates, so capital comes up in steps rather than rolling smoothly.

This does not affect cover you already hold. Cover is only ever sold against capital that outlasts the cover period plus its grace period, so a running policy cannot lose its backing. What the dates show is how much capital has to be renewed for this much cover to stay purchasable.

Plus 25 NXM in periods that already ended but have not been settled in the contract yet.

Do the underwriters stay?

Every maturity date is a decision: extend, or take the capital out. This is what happened the last fourteen times.

84% of maturing underwriting capital stayed in the system, across the periods that are fully counted.
Stayed Left lying Gone Still to come
today4/27/2023 · 26,322 NXM due · 71% stayed71%04/2326k7/27/2023 · 67,986 NXM due · 54% stayed54%07/2368k10/26/2023 · 119,953 NXM due · 29% stayed29%10/23120k1/25/2024 · 78,737 NXM due · 52% stayed52%01/2479k4/25/2024 · 83,729 NXM due · 96% stayed96%04/2484k7/25/2024 · 160,087 NXM due · 95% stayed95%07/24160k10/24/2024 · 92,764 NXM due · 88% stayed88%10/2493k1/23/2025 · 196,987 NXM due · 95% stayed95%01/25197k4/24/2025 · 242,073 NXM due · 98% stayed98%04/25242k7/24/2025 · 200,995 NXM due · 94% stayed94%07/25201k10/23/2025 · 214,591 NXM due · 95% stayed95%10/25215k1/22/2026 · 165,629 NXM due · 63% stayed63%01/26166k4/23/2026 · 245,840 NXM due · 93% stayed93%04/26246k7/23/2026 · 157,223 NXM due · 74% stayed · not final yet74%07/26157k10/22/2026 · 63,141 NXM · in31days10/2663k1/21/2027 · 56,977 NXM · in122days01/2757k4/22/2027 · 46,542 NXM · in213days04/2747k7/22/2027 · 194,370 NXM · in304days07/27194k10/21/2027 · 16,451 NXM · in395days10/2716k1/20/2028 · 108,720 NXM · in486days01/28109k4/20/2028 · 81,600 NXM · in577days04/2882k

Schraffierte Balken sind noch nicht ausgezählt.

"Stayed" combines explicit extensions with withdrawals that the same staker paid back in within 14 days. The second part is derived, not measured: whether a deposit is really the same money is not recorded on-chain.

What buyers pay

The sections above show what capital stands ready and who provides it. This one shows what comes in for it. Nexus Mutual does not publish this figure; it is read from the purchase receipts.

Premiums paid $11.84M at least, see coverage
Coverage of this figure 93% 5,104 of 5,489 policies
Price paid, per year 4.11% of the sum insured

Faded columns are months where we could not read a premium for every policy, so they understate more than the others.

Nexus Mutual publishes active cover and capital, but not what buyers actually paid. This figure is read from the purchase receipts one by one: the transfer to the capital pool, or the NXM burned when the premium was settled in NXM.

It is a floor, not a total. For 385 of the 5,489 recorded policies the amount could not be read, mostly because the premium was paid in ETH, which leaves no readable event in the receipt. Those are counted as zero here rather than guessed.

36% of the sum was not paid in a dollar-pegged asset. There the amount is measured but the dollar value is derived from that day's exchange rate.

The yearly price counts only policies running 28 days or longer. Shorter ones are almost always top-ups covering the remaining days of an existing policy; annualising a single day would produce rates that look alarming without a single figure being wrong.

What the market charges

Not the price Nexus Mutual lists, but what buyers actually paid, quarter by quarter. Nobody publishes this: it only exists once every purchase receipt has been read.

Paid price today 2.14% per year, of the sum insured
Change since 23Q1 -6% from 2.28%
0%1%2%3%4%5%6%2023Q1 · 2.28% per year · 3/38 policies priced · $2k premium on $590k2023Q2 · 3.46% per year · 5/108 policies priced · $2k premium on $676k2023Q3 · 4.46% per year · 15/128 policies priced · $36k premium on $6.8M2023Q4 · 3.63% per year · 46/113 policies priced · $81k premium on $25.1M2024Q1 · 4.95% per year · 136/199 policies priced · $204k premium on $42.4M2024Q2 · 4.14% per year · 180/371 policies priced · $427k premium on $96.0M2024Q3 · 5.85% per year · 213/379 policies priced · $717k premium on $131.9M2024Q4 · 4.70% per year · 302/403 policies priced · $1.2M premium on $227.8M2025Q1 · 4.85% per year · 348/431 policies priced · $1.2M premium on $253.2M2025Q2 · 4.09% per year · 353/465 policies priced · $810k premium on $161.4M2025Q3 · 4.84% per year · 417/553 policies priced · $722k premium on $156.5M2025Q4 · 4.69% per year · 459/555 policies priced · $794k premium on $180.6M2026Q1 · 3.65% per year · 395/480 policies priced · $526k premium on $128.5M2026Q2 · 2.55% per year · 347/434 policies priced · $432k premium on $155.9M2026Q3 · 2.14% per year · 408/479 policies priced · $484k premium on $143.8M23Q123Q324Q124Q325Q125Q326Q126Q3

This is what buyers actually paid, not the price Nexus Mutual lists. The listed price moves with how much capacity is already used, so the two can drift apart. Each point is the total premium of that quarter divided by the cover it bought, expressed per year.

Weighted by cover, so a $25m policy counts more than a $4,000 one. Only policies running 28 days or longer. Quarters with fewer than 3 priced policies are left out; hollow dots mark quarters where a fifth or more of the policies had no readable amount.

Staking pools

Staking pools don't hold ETH or stablecoins - they hold NXM, and that NXM decides how much capacity each product gets. This is their real composition: which products they underwrite, and how concentrated that bet is.

Active pools 32
Total allocated coverage (NXM) 1.16M NXM
Total staked (NXM) 567.8k NXM
Leverage 2.05×

Coverage can exceed stake: the same staked NXM in a pool can back several products at once (leverage), so allocated coverage is not the same NXM sitting somewhere.

Allocated coverage, market-wide 1.16M NXM
Staked NXM, market-wide 567.8k NXM
Leverage (coverage / stake) 2.05×
BraveNewDeFi's Pool 506.2k NXM

+47 more products

18 products would lose all coverage if this pool stopped

Staked NXM over time 125.1k NXM
Nexus Mutual Community Staking Pool 212.6k NXM

+23 more products

6 products would lose all coverage if this pool stopped

Staked NXM over time 102.6k NXM
Hugh 155.9k NXM

+15 more products

4 products would lose all coverage if this pool stopped

Staked NXM over time 132.4k NXM
OpenCover 105.1k NXM

+40 more products

23 products would lose all coverage if this pool stopped

Staked NXM over time 27.6k NXM
Unity Cover 86.3k NXM

+1 more product

1 product would lose all coverage if this pool stopped

Staked NXM over time 109.0k NXM
Nexus Foundation 68.7k NXM

+5 more products

2 products would lose all coverage if this pool stopped

Staked NXM over time 46.1k NXM
Crypto K&R 29.6k NXM
K&R A
68%
K&R B
32%

2 products would lose all coverage if this pool stopped

Staked NXM over time 25.0k NXM
Good KarMa Capital 0 NXM

Not carrying any product right now.

Staked NXM over time 0 NXM
My Conservative Pool 0 NXM

Not carrying any product right now.

Staked NXM over time 0 NXM
SAFU Pool 0 NXM

Not carrying any product right now.

Sherlock 0 NXM

Not carrying any product right now.

Staked NXM over time 0 NXM
Gm Exit Here (GLP) Pool 0 NXM

Not carrying any product right now.

my nexus pool 0 NXM

Not carrying any product right now.

Staked NXM over time 0 NXM
UnoRe WatchDog Pool 0 NXM

Not carrying any product right now.

Staked NXM over time 0 NXM
Broad and diversified 0 NXM

Not carrying any product right now.

Lowest risk 0 NXM

Not carrying any product right now.

Staked NXM over time 0 NXM
Crypto Plaza 0 NXM

Not carrying any product right now.

Staked NXM over time 5 NXM
DimenRisk 0 NXM

Not carrying any product right now.

Staked NXM over time 0 NXM
Molecular Research 0 NXM

Not carrying any product right now.

Staked NXM over time 0 NXM
BALTACHI 0 NXM

Not carrying any product right now.

6666 0 NXM

Not carrying any product right now.

Staked NXM over time 0 NXM
Native 0 NXM

Not carrying any product right now.

Staked NXM over time 0 NXM
Maximum Stake 0 NXM

Not carrying any product right now.

Staked NXM over time 0 NXM
Blue Chips 0 NXM

Not carrying any product right now.

Staked NXM over time 0 NXM
My Pool 0 NXM

Not carrying any product right now.

High trust protocols 0 NXM

Not carrying any product right now.

Staked NXM over time 0 NXM
Ease AAA Low Risk Pool 0 NXM

Not carrying any product right now.

Staked NXM over time 0 NXM
Ease AA Medium Risk Pool 0 NXM

Not carrying any product right now.

Staked NXM over time 0 NXM
Safe Invest 0 NXM

Not carrying any product right now.

Staked NXM over time 0 NXM
ShieldX Staking Pool 0 NXM

Not carrying any product right now.

Staked NXM over time 20 NXM
my private pool 0 NXM

Not carrying any product right now.

Reflection 0 NXM

Not carrying any product right now.

Staked NXM over time 0 NXM

Sole underwriter

56 products with no second· 7 of 32 pools

Most Nexus products are underwritten by two or three pools at once, so one leaving only reduces capacity. Underwritten is this pool entire book. Of those alone is the part where no other pool has capacity on the product: there the pool carries the risk by itself, and if it stops, the cover ends rather than shrinks. At stake is the cover volume that depends on this pool alone. Open which products to see them by name. Carrying a product alone is not a flaw in itself: on a small niche listing a single underwriter is normal, and a manager covering their own protocol often knows it best. It shows where the market depends on one party, nothing more. Note the product counts do not add up across pools: most products are underwritten by two or three at once, so each of them counts the same product.

Concentration

top 3
0%25%50%75%100%123456775.1%pools, largest first
2026-09-20
The three largest pools carry 75.1% of all underwriting. The dashed diagonal is how it would look if every pool carried the same amount. The shaded area between the two is the concentration.

Who carries what

12 largest

Rows are the twelve largest products, columns are the pools. The darker a cell, the more of that product this pool carries. A row with a single filled cell hangs on one underwriter.

Snapshot 2026-09-21 03:50 UTC

COVERRACCOON

Independent analysis of DeFi cover. We read the terms nobody else opens.