How it works
The risk is new. The market that prices it is over 300 years old.
Digital-asset risk is placed where the capacity actually lives — the Lloyd's subscription market — across syndicates, not on one balance sheet. We connect you with the FCA-authorised brokers who do that placement, and prepare you for it.
Lloyd's is a marketplace, not a single insurer. Your authorised broker prepares a slip that summarises the risk, the terms and the total limit. A lead underwriter negotiates and signs for a share; following syndicates subscribe to the rest. Large limits are built across multiple A-rated lines — the certificate stands behind the carrier, who is named to you.
znobia gets you in front of the right authorised broker from the first email — no call centre, no product pulled off a shelf. We know who writes digital-asset risk and how they price it, so your submission lands well.
What moves your rate
- Multi-signature (M-of-N)No single key can move funds; signing is distributed and quorum-based.
- MPC key-shardingKeys are split so no party ever holds a complete signing key.
- Withdrawal whitelistingFunds can only leave to pre-approved, time-locked destinations.
- Segregated custodyClient assets held apart from operational balances and each other.
- Hardware & site securityHSMs, geographically distributed vaults, GPS and CCTV controls.
- Governance & audit historyDocumented controls, clean audits and financial health price in your favour.
From submission to bound, without the translation tax.
You talk to people who understand custody architecture — not a call centre reading from a script.
Share your risk profile
Operational controls, custody model and exposure — through a structured submission we actually read.
We introduce you to the market
We connect you with the FCA-authorised broker and carriers built for your risk; they structure the programme and return indicative terms in plain language.
They bind; you stay covered
The authorised broker arranges and binds the cover. You get clear wordings, a named contact, and a claims-notification path that works.
One asset base. Four loss vectors.
Ronin lost ~$624M to five compromised validator keys. Bybit lost ~$1.5B from a hot wallet. We map your custody and treasury surface to the ways value actually leaves — and connect you with the broker and line built for each. The dotted path is the smart-contract gap the market can't yet price.
Pressure-test your exposureGet indicative terms for your digital-asset firm.
Tell us how you operate. We'll return a structured view of what's coverable — in plain language, same business day.