Question 1

What is RE?

Accepted Answer

RE is Re Protocol’s ERC-20 governance token, used to govern the market layer that connects stablecoin capital with real-world insurance risk. Its role is to let holders participate in the governance of market rules, participant standards, and shared infrastructure, rather than making the token itself an insurance policy, underwriting share, or yield-bearing capital product.

Question 2

Which decisions can RE participate in?

Accepted Answer

RE can be used to govern market access and participant standards, incentive budgets, staking and delegation arrangements, committee mandates, protocol upgrades, and the shared resilience capital framework. The logic is that governance first determines market-layer rules and available capital arrangements, after which participants meeting the rules operate within the relevant business structures; RE does not directly replace underwriting, pricing, or claims operations.

Question 3

What is the practical purpose of staking RE?

Accepted Answer

RE uses a stake-to-vote model: holders must stake tokens according to applicable rules before they can participate in the relevant governance. The practical role of staking is to establish voting and participation eligibility; ecosystem allocations may be used for staking and governance rewards, but rewards are for eligible and active participants and are not equivalent to passive returns obtained merely by holding tokens.

Question 4

Will RE be used directly for insurance claims or underwriting?

Accepted Answer

It will not be used directly for insurance claims or underwriting. RE governs market-layer rules, standards, and shared capital frameworks; actual insurance operations are carried out by the relevant market participants and their applicable structures. Therefore, holding or staking RE does not mean becoming an underwriter or policyholder, or acquiring direct decision-making authority over specific claims.

Question 5

What is RE’s supply structure?

Accepted Answer

RE has a fixed total supply of 1 billion tokens, with no ongoing inflation or perpetual emissions plan. A fixed total supply is the protocol cap, not the circulating supply at any given time; different allocation categories are released according to vesting arrangements, so the tradeable amount changes with the release schedule.

Question 6

How are RE allocations and releases structured?

Accepted Answer

RE is allocated as 50% to the ecosystem, 13% to the ecosystem development reserve, 17% to investors, and 20% to core contributors. Of the ecosystem category, 159.6 million tokens are liquid at TGE, while the remainder is released linearly over 48 months; investors and core contributors are each locked for 12 months first, then released linearly over 36 months. Linear release means tokens become available gradually rather than all at once during that period.

Question 7

Does holding RE represent receiving returns from insurance operations?

Accepted Answer

No. The RE page explicitly distinguishes its governance, staking, and participation incentives from dividends, profit sharing, or revenue sharing; holding RE does not represent a claim on insurance premiums, underwriting profits, reserves, or collateral assets. Insurance capital products and governance tokens have different roles.

Question 8

What does delegation mean in RE governance?

Accepted Answer

Delegation is a mechanism by which holders choose a representative to exercise governance voting or participation rights on their behalf. It enables eligible holders who do not directly handle every proposal to still participate in governance, but the representative’s authority, eligibility, and method of revocation are all subject to the governance rules in effect at the time.

Question 9

What is the ecosystem allocation primarily used for?

Accepted Answer

The 50% ecosystem allocation can support staking and governance rewards, liquidity, integrations, grants, and market expansion; the ecosystem development reserve accounts for 13% and is intended for future contributions and contributors. Both are supply-allocation arrangements and should not be understood as the same batch of tokens that has already automatically entered the circulating market.

Question 10

What is shared resilience capital?

Accepted Answer

Shared resilience capital is a shared capital framework established for market stress scenarios. RE governance can determine its capital targets, conditions of use, intervention thresholds, recovery rights, and recapitalization rules; this means the token governs rules and coordination methods, rather than RE directly underwriting or directly paying every insurance claim.

Question 11

What token standard does RE use?

Accepted Answer

RE uses the ERC-20 standard, a commonly used fungible-token standard on Ethereum. This standard allows compatible wallets and on-chain applications to handle RE transfers and balances, but it does not independently determine governance eligibility, staking conditions, or economic rights; these are separately specified by Re’s governance and product rules.

Question 12

Who is affected by RE’s market-access governance?

Accepted Answer

Market-access governance affects participants seeking to enter Re markets and be subject to their standards, such as underwriters, cedants, brokers, frontend partners, representatives, and service providers. Governance can determine who may access the market through participation eligibility and standards, but this does not mean RE holders process these participants’ business transaction by transaction.

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