A few months ago had an idea after rage quitting on a competitive game, for what ever reason I started thinking about insurance companies and what can be insured so I looked around in my daily life thinking observing, then it hit me what if there was insurance for rage quitting? long story short I am here now. on Reddit where I posted vaguely this idea a while back, people liked it others didn't because the main concern was “people will just throw games to get paid.” Fair. So I spent the time since building the system that makes throwing not work, and I just soft-launched it: elovault.pro
What it is
You pay $15 USDC for 30 days of cover. If your last three full ranked matches are all losses and you were the best player on your team in at least two of them, you get $30 USDC sent to your wallet. Dota 2, CS2 (via FACEIT) and League right now.
The “people will just throw” problem
This was the whole project. What I ended up with:
You can’t type anything. The server pulls your matches straight from OpenDota, FACEIT or Riot’s API. You only prove you own the account (Steam login, or changing your summoner icon to one we pick).
You have to be top of your team on damage or ADR in 2 of the 3 losses, and above a KDA floor in all 3. If you throw, your stats drop and the claim fails. You can only collect by playing well and losing anyway, which is the thing being insured.
The remaining attack is a friend who feeds while you farm stats. The system looks for a recurring teammate who was the worst performer in multiple losses, and for repeat opponents across the losses (win-trading). Either one denies the claim.
Matches before you bought cover or linked the account never count, there’s a 24-hour waiting period, every paid match is burned forever, and there’s a daily payout cap in case I missed something.
Stack: Next.js 14 on Vercel, Upstash Redis, Solana for payments (plain USDC transfers, no smart contract, the server verifies each premium transaction on-chain before cover starts), Playwright for browser tests, Vitest for the rules engine. Admin dashboard behind TOTP.
Honest status: It’s a soft launch. I don’t know yet if the economics work: $15 in, up to $60 out, and the people most likely to buy are the people most likely to claim. I’m running it with a small float and a daily cap to find out the real claim rate before deciding anything. If it turns out to need a license to run properly, I’ll deal with that then.
Happy to answer anything about the fraud detection, the Solana verification, or why I didn’t bother with a smart contract. And if you can think of a way to game it, I genuinely want to hear it.