Transparent risk model
Reserve ratio, payout caps, World ID gating, and liability utilisation are all protocol config — visible onchain, not hidden in an offchain database.
Community-Owned Risk Infrastructure
The house behind your multi-outcome position.
Underlay is an onchain risk vault. Traders combine Polymarket outcomes into a single position. LPs collectively underwrite the risk and earn yield when the house wins.
ERC-4626 VaultAI-ScoredWorld ID Gated0G AuditedCRE SettledAave Yield-BackedUSDC Native
AI-scored, not AI-themed
0G Compute scores the position risk via AI inference and 0G Storage pins the audit receipt. The AI doesn't brand the product — it prices the position.
Delayed settlement by design
Chainlink CRE enforces risk-tier delay windows before reserve payout or stake sweep. High-risk positions wait 2 minutes. It is a feature, not a bug.
Two audiences, one protocol
Traders build positions. LPs earn yield.
Traders
Build a multi-leg position
Select outcomes across Polymarket markets and combine them into a single position. Your odds multiply across legs. Underlay prices the combined risk and underwrites the payout.
LPs
Earn yield as the house
Deposit USDC into the vault. When traders lose, stakes sweep into the vault and your share price appreciates. When traders win, the reserve pays out. Idle capital routes to Aave.
Protocol config (testnet)
Max testnet TVL
$200
configured
Reserve ratio
20%
configured
Max liability
40%
configured
Max payout
$8.00
configured
World ID gate
$1.00
configured
High-risk delay
120s
configured
How it works
From market signal to onchain settlement — four steps.
Every step in the position lifecycle has a visible onchain or verifiable offchain counterpart. Nothing happens in an opaque database.
01
Signal intake
Reference probabilities and resolution signals enter from Polymarket's CLOB API. Underlay does not run the market.
02
Risk inference
0G Compute scores the combined position. 0G Storage pins the audit payload to the underwriting decision.
03
Vault pricing
Vault utilisation, AI correlation factor, and config caps shape the final quote and payout ceiling.
04
Delayed settlement
Chainlink CRE respects risk-tier delay windows before reserve payout or stake sweep finalises onchain.
Infrastructure
Every integration maps to a specific protocol responsibility.
Seven protocol partners each handle a distinct layer. No single point of trust or failure.
Infrastructure
Polymarket CLOB API
Reference signal and resolution source
Infrastructure
0G Compute
AI inference for risk scoring
Infrastructure
0G Storage
Immutable risk and audit receipts
Infrastructure
World ID
Sybil resistance above the stake gate
Infrastructure
Chainlink CRE
Settlement orchestration and delay flow
Infrastructure
Aave V3
Yield routing for idle vault capital
Infrastructure
Reown AppKit
Wallet connection through wagmi and viem