Tidal offers a number of innovative and unique features:
Over-leveraged insurance pools
A set of protocols all backed by a common over-leveraged reserve to increase capital efficiency.

Guarantor Fund
Funds allocated by core teams of protocols backed by Tidal to insure their users solely utilized for payouts related to their own protocol.

Non-native token Staking Pool
Holders of protocol tokens insured by Tidal can contribute to the Guarantor Fund to receive both premiums against insurances sold against that protocol and also Tidal Insurance Mining rewards.

Tidal Staking Pool
Tidal tokens can be staked in a pool to act as an insurer of last resort for Tidal staking rewards.

Auto renewals
Insurance purchasers can pre-fund their wallets and have their cover be auto-renewed on a periodic basis.

Investment of reserves
Capital efficiency is further enhanced by investing the funds present in reserves in a set of whitelisted protocols like Compound and funds like Metacartel, the LAO etc similar to traditional insurance businesses.