> For the complete documentation index, see [llms.txt](https://docs.renzoprotocol.com/docs/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.renzoprotocol.com/docs/products/staking-suite/opolis-reinsurance-bonds.md).

# Opolis Reinsurance Bonds

Opolis, a community revolutionizing employment and benefits, is bringing health insurance on-chain — replacing bloated intermediaries with lower premiums, better coverage, and efficient administration; starting with crypto-native yield through Reinsurance Bonds.

Opus I is the first in a series of bonds underwriting health insurance plans, built by Opolis.

The Opus Series I receipt token represents a 6-month AUSD bond deposit, earning a blended 40% APY through stablecoin and insurance underwriting profits, claimable at maturity.

### Vault Details

* Vault Name: Opus Series I
* Deposit asset: AUSD
* Receipt token: opusIAUSD
* APY: 40% (approximately 20% ROI)
* Bond Duration: 6 months
* Deposit Period: 7/22 - 7/31
* Maturity Date: 1/31/2026
* Vault Contract - 0xccA2AF7EC2E0B55d9cb1D9D36E542a1085e82EA5
* URL: <https://app.renzoprotocol.com/opusiausd><br>

*Opolis 2.0 replaces opaque reinsurance with on-chain, time-based restaking bonds:*

### How This Strategy works

* Restakers lock AUSD for fixed terms (generally 6-12 months) at variable APYs (15–60%), collateralizing and securing the insurance pool with various risk-profiled bonds.
* Health Insurance Subscribers (Opolis Members) pay premiums into a smart-contract pool; claims up to \~65% of premiums are covered directly from these premium dollars.
* If claims exceed that buffer, Opolis would initially draw on bond yields, followed by sequentially slashing deposits from the various risk-tiered vaults and redistributing the principal and subsequent yield as time progresses, with future premiums covering claims to anticipated funding levels.
* This structure ensures predictable security for the AVS, transparent profit sharing to all participants, and a robust, community-centric reinsurance layer in the RealFi ecosystem.
* Rewards are **auto-compounded and the receipt token increases in value** for the duration of the bond
  * For initial launch, rewards will be auto-compounded to the receipt token at maturity.
  * For subsequent bonds, rewards will be auto-compounded into the receipt token on a weekly basis.

### Deposits

* Visit <https://app.renzoprotocol.com/opusiausd>
* Click Connect Wallet to link your Ethereum wallet.
* Enter the amount of AUSD token that you would like to deposit. You can click MAX to enter the maximum tokens available in your wallet.
* Confirm the amount and proceed to deposit.
* Approve and confirm the transaction on your wallet.

Once the deposit is successful, you receive opusIAUSD token, representing your bonded AUSD amount.

### Withdrawals&#x20;

For this vault, withdrawals are only enabled at bond maturity.

* Visit <https://app.renzoprotocol.com/opusiausd>
* Switch between deposit and withdraw functions by clicking the swap arrow button in the center of the dialog box.
* Redeem your bonded tokens (MAX) + yield.
* Confirm the amount and proceed to deposit.
* Approve and confirm the transaction on your wallet.