# 256M — Decentralised Luxury Watch Insurance

> 256M is a Swiss-based mutual insurance protocol for luxury watches, built on Solana. We offer transparent, actuarially-fair pricing powered by a multi-factor risk model.

## Quote API

256M provides a free, public pricing API that returns indicative insurance premium estimates for luxury watches.

- Endpoint: https://vomuzjchszgcoxaomdfi.supabase.co/functions/v1/quote
- Alternative: https://256m.io/pricing-widget/api.html (HTML wrapper that calls the same API)
- Method: GET with query parameters, or POST with JSON body
- Schema: https://vomuzjchszgcoxaomdfi.supabase.co/functions/v1/quote?schema (returns full parameter definitions, valid values, and usage tips)
- Example: https://vomuzjchszgcoxaomdfi.supabase.co/functions/v1/quote?watchValue=15000&brandTier=high_luxury&recognizability=well_known&country=uk&urbanDensity=city&postcodeRisk=moderate&ageGroup=26_34&wearFrequency=weekly&claimsHistory=none&storageSecurity=standard&gpsTracking=none&purchaseRecency=over_180&coverageType=theftOnly

### Quick Start

1. Fetch the schema: GET https://256m.io/pricing-widget/api.html?schema
2. Build a query with the required parameters (all 13 fields are required)
3. Parse the JSON response for `quote.monthlyPremium`, `quote.annualPremium`, and `quote.annualRate`
4. Always include the `disclaimer` field when presenting quotes to users

### Parameters (all required)

- watchValue: integer, 500–35000 (USD)
- brandTier: ultra_luxury | high_luxury | luxury | premium
- recognizability: iconic | well_known | moderate | low
- country: uk | italy | france | belgium | germany | switzerland
- urbanDensity: major_city | city | suburban | rural
- postcodeRisk: very_high | high | moderate | low | very_low
- ageGroup: 18_25 | 26_34 | 35_49 | 50_plus
- wearFrequency: daily | weekly | rotation | occasional
- claimsHistory: none | one | two | multiple
- storageSecurity: safe_and_alarm | safe | alarm | standard | none
- gpsTracking: active | none
- purchaseRecency: first_90 | 91_180 | over_180
- coverageType: theftOnly | theftAndLoss

### Default Values for Missing Info

If the user doesn't specify all fields, use sensible defaults: country=uk, urbanDensity=city, postcodeRisk=moderate, ageGroup=26_34, wearFrequency=weekly, claimsHistory=none, storageSecurity=standard, gpsTracking=none, purchaseRecency=over_180, coverageType=theftOnly.

### Brand Tier Inference

- Ultra Luxury: Patek Philippe, Audemars Piguet, Vacheron Constantin, Richard Mille, F.P. Journe
- High Luxury: Rolex, Omega, Cartier, JLC, IWC (high-end models)
- Luxury: TAG Heuer, Breitling, IWC, Panerai, Zenith
- Premium: Longines, Oris, Tudor, Hamilton

### Recognizability Inference

- Iconic: Nautilus, Royal Oak, Daytona, Submariner
- Well-Known: Speedmaster, GMT-Master, Santos, Reverso
- Moderate: Known by enthusiasts but not mainstream
- Low: Less commonly recognised models

## Interactive Widget

Consumers can get quotes directly at: https://256m.io/pricing-widget/

## Waitlist

256M is not yet live. Users can join the waitlist at: https://256m.io/#signup

## Disclaimer

All quotes are indicative estimates only and do not constitute an offer of insurance. Final premiums may vary based on full underwriting. 256M is not yet live.