Indemnity (INDN)

Payments You Can Dispute. Scams You Can Reverse.

Indemnity (INDN) is an ERC-20 with a built-in safety net. Payments between wallets sit in on-chain escrow for 7 days — if something’s wrong, the payer opens a dispute and a decentralized Kleros jury, not us, decides who keeps them. Swaps and transfers involving allowlisted exchange addresses settle instantly, so trading is unaffected.

Status: testnet — deployed on Arbitrum Sepolia for live Kleros dispute testing. Mainnet launch pending security audit and Kleros whitelist approval.

7 days Escrow window

0.25% Protocol fee (1% hard cap)

Kleros Decentralized arbitration

ERC-20 Fully tradeable standard

View Source on GitHub → How It Works

The Problem

Crypto payments are final. Scammers know it. A single mistake or con is permanent — no chargeback, no recourse. Indemnity adds the safety net that ordinary tokens lack, without a central company holding your money.

Irreversible by Default

Once a normal ERC-20 transfer confirms, there is no undo. A single mistake or con is permanent.

A Window to React

Indemnity holds each payment for 7 days. That’s your window to catch a scam before the funds are claimable.

Neutral Judgment

Disputes go to Kleros, a decentralized court of staked, randomly-selected jurors. No company decides — a jury does.

How Indemnity Protects a Payment

Protection is the default: a transfer to another wallet routes funds through a smart-contract escrow with a built-in 7-day dispute window. DEX swaps and transfers to allowlisted exchange addresses stay instant.

Pay Protected

You send a protected payment. The contract locks the tokens in escrow for that exact recipient for a 7-day dispute window.

Watch or Dispute

If all is well, do nothing. If you’ve been scammed, open a dispute before the window closes and submit your evidence to Kleros.

Claim or Resolve

No dispute? The recipient claims after 7 days. Disputed? A Kleros jury rules, and the contract releases or refunds automatically.

How Kleros Decides

When you hit “dispute,” Kleros takes over. There’s no support desk and no company vote — a randomly-drawn jury of token-staking peers reviews the evidence and rules.

Staking to Become a Juror

Anyone can be a Kleros juror. Stake PNK (Pinakion) into a relevant sub-court. The more you stake, the higher your chance of being drawn for a case.

Random Selection of the Jury

Jurors are drawn pseudo-randomly from the relevant sub-court, weighted by PNK stake. Selected jurors receive the case file to review.

Reviewing Evidence and Voting

Each juror independently reviews the evidence and casts a secret vote. Jurors are rewarded for voting coherently — with the eventual majority — so they’re incentivized to judge honestly.

Incentives, Appeal, and the Ruling

Majority jurors earn fees and PNK from minority jurors whose stake is partially slashed. Either party can appeal to a larger jury. Once final, the contract releases or refunds automatically.

Radical Transparency

An anti-scam token that isn’t the scam. Here is exactly what the contract does — and what it will never do.

What Indemnity Does

Sends tokens to the exact address you specify — held in escrow for that recipient, never silently redirected.
Reports its real total supply. What you see on-chain is what exists.
Locks the arbitrator address at deployment — no admin can point disputes at a wallet they control later.
Releases escrow only two ways: the recipient claims after the window, or a Kleros ruling decides.
Takes a small, capped protocol fee (max 1%) only on delivered protected payments — disclosed on-chain, never on exempt transfers, swaps, or refunds.
Has exactly one owner power: allowlisting DEX/exchange addresses for instant settlement. Every change emits a public ExemptionSet event.

What It Will Never Do

Impersonate ETH or any other asset by faking its name or symbol.
Reroute your transfers, approvals, or permits to a hidden hard-coded address.
Give any owner a backdoor to drain, freeze, or seize escrowed funds.
Lie about supply or balances to inflate its apparent value.

The source is open. Read contracts/Indemnity.sol and verify every claim above yourself — that’s the point.

INDN at a Glance

Currently deployed for testing on the Arbitrum Sepolia testnet. Mainnet addresses will be published after audit and Kleros whitelist approval.

Name

Indemnity

Symbol

INDN

Decimals

Dispute Window

7 days (default for wallet-to-wallet transfers)

Protocol Fee

0.25% on delivered protected payments · 1% hard cap

Standard

ERC-20 · ERC-792 · ERC-1497

Arbitrator

Kleros (production) — fixed at deploy

Network

Arbitrum Sepolia testnet (pre-launch)

Testnet software — not financial advice. Indemnity is an experimental project currently deployed on a test network with no monetary value. The dispute model is an MVP: the payer initiates a dispute by paying the Kleros arbitration fee in ETH (non-refundable, deterring frivolous disputes). A tie or refuse-to-arbitrate ruling refunds the payer in full; a ruling for the receiver releases the payment, net of the protocol fee. If the arbitrator never rules, anyone can return the funds to the payer after a long timeout. The contract is immutable and unpausable. Always read the contract and understand the arbitration terms before relying on it.