How It Works Cover Tokenomics Legacy Bonanza Day Yield Nina Card Register My Cat →
🐾 $NINAG · 5-Year Cat Insurance · One Payment

£100 once.
Five years covered.

Pay £100. Year 1 vet cover is fully funded by ICP staking yield. If ICP grows, cover continues up to five years and £95 comes back at cycle close. If ICP is flat after Year 1, the protocol closes early and your £95M is returned. Plus tokens that may be worth a great deal more.

💳 Pay £100 — 95% goes straight into ICP staking
🐾 Cover activates — £500/yr vet cover for 5 years
🎉 Bonanza Day — £95 returned + share of ICP surplus
Register Your Cat → How it works
Nina G — your cat holds the cards
Entry · 5yr cover · £500/yr claim
Active & Protected
The Mechanic

£100. Five years. Simple.

Nina G does one thing. Pay £100 once — 95% is staked in ICP neurons, the yield funds your cat's £500/yr vet cover, and at Year 5 you get your £95 principal back plus a share of any ICP surplus. No annual renewals. No rising premiums. No paperwork ever again.

STEP 01
💳
Pay £100. Get $NINAG.

95% of your £100 is converted to ICP and staked in NNS neurons. 5% covers operations. You receive $NINAG tokens — your membership, your upside, and your proof of cover. One million holders creates the collective buying power no individual could access alone.

→ £95 into ICP staking
STEP 02
🐾
Cover activates. 5 years.

ICP staking yield funds the group insurance policy. Year 1 cover is fully funded. If ICP grows as modelled, cover continues — up to five years. If yield does not grow beyond Year 1, the insurer cannot be funded at the same rate and the protocol closes, returning your £95 principal early.

→ £500/yr vet cover, funded by yield
STEP 03
🎉
Bonanza Day. Year 5.

At cycle close — Year 5 if ICP performs, earlier if it does not — your £95 principal is returned in full. If ICP has grown above the original £95M stake, the surplus is divided: 50% to holders, 35% to the founder, 15% to operations. Then you choose whether to re-register for a new cycle.

→ Capital back + surplus share

"£100 once. Five years of cover. £95 back on Bonanza Day.
And your tokens may be worth a great deal more."

The simplest deal in pet insurance history

The Insurance Mechanic

£500 per year.
Every year. Five years.

Nina G negotiates a group policy with a major pet insurer on behalf of all 1 million holders. The policy covers up to £500 of vet bills per year — the amount that resolves the vast majority of real-world cat emergencies in full.

That £500 threshold is data-driven. Actuarial claims history from major UK pet insurers shows that the average cat claim sits well below £500 — meaning the policy covers most incidents completely, while the cap protects the pool from catastrophic tail risk. At a realistic claim rate of 3–5% across one million cats, Year 1 yield of ~£9M funds the insurer comfortably with surplus to spare — before any ICP appreciation.

Anything above £500 in any single year is the holder's responsibility — but the Nina Card round-up reserve is there to cover exactly that gap. And the collective purchasing power of 1 million policyholders means the group rate is a fraction of anything an individual could negotiate alone.

How the £100 is split
Fixed at launch · no governance required
£95 per holder ICP staking treasury
£5 per holder Operations & admin
£100M total raised 1 million holders
Cover term Up to 5 years · subject to ICP yield growth
Annual claim cap £500 per cat per year
Capital return £95 returned at cycle close (Year 5 or earlier)
Net cost of cover £5 — however long the cycle runs

Year 1 cover is fully funded by ICP staking yield — ~£9M at current APY, comfortably above realistic claims of £5–12M. Years 2–5 require ICP to grow. If it does not, the protocol closes at Year 2 and £95 is returned. Retail cat insurance costs £200–400/yr — Nina G's net cost is £5 whether the cycle runs one year or five.

Token Architecture

$NINAG — How it works.

Nina G is the world's first on-chain pet insurance protocol. The tokenomics are designed around one goal: funding cat cover from ICP staking yield, returning capital to every holder at cycle close, and sharing the ICP upside honestly. Year 1 is structurally guaranteed. Years 2–5 depend on ICP growth.

Fixed Supply
1,000,000,000
$NINAG · sealed at launch · no inflation
Token lives on Internet Computer Protocol
  • 📊 50% → Public sale (500M tokens to 1M holders)
  • 🧑‍💼 35% → Founder allocation (350M tokens · sweat equity)
  • 🏦 15% → Operations, marketing & growth reserve
ICO Target
£100,000,000
£100 per holder · 1 million holders
  • 💰 95% (£95M) → ICP treasury · staked in NNS neurons
  • 🔧 5% (£5M) → Operations · Year 1 running costs
  • 🎯 1 million holders · largest cat policy book ever written
Founder skin in the game.
35% of surplus · earned through execution

The founder paid nothing for their 350M tokens. They paid with everything else — the time, the vision, the risk of building something that didn't exist. That's the only honest way to say it. On Bonanza Day, 35% of ICP surplus goes to the founder. 50% goes to every holder equally. 15% funds the next cycle of operations and growth.

The founder's tokens may also appreciate independently. But the Bonanza Day surplus is separate — it comes from ICP treasury growth, not from holders. Everyone wins from the same engine. No one wins at anyone else's expense.

"The founder paid nothing for their tokens. They paid with everything else."
😌
Holder — Bonanza Day
Paid £100 in. Gets £95 back. If ICP is 10×, gets £427 surplus share on top. Net cost of 5 years cover: effectively zero. Plus whatever their $NINAG tokens are worth.
🧑‍💼
Founder — Bonanza Day
At ICP 10×, surplus is £855M. Founder takes 35% = £299M. Holders share 50% = £427 each. Everyone wins from the same pot. Same engine. Same day.
🔄
Then it starts again
After Bonanza Day the cycle closes. Holders who want another five years re-register and pay £100 again. Old tokens stay. New tokens added. New ICP cycle begins.
Nina G · Whitepaper · April 2026

The full case. The data.
The actuarial numbers.

Why 88% of UK cats are uninsured, why the existing model can never fix it, and why blockchain treasury yield changes everything. Historical claims data, the insurer proposition, and the full investment case for $NINAG — in one document.

Read the Whitepaper →
9 sections · actuarial data · insurer case · investment thesis
Wait — explain this to me

£5 for five years
of cat insurance.
How is that even real?

It sounds impossible. It isn't. Here's every part of it — honestly, in plain language, no jargon.

The core mechanic
£95 of your £100 never gets spent. It earns. Then it comes home.

Your £100 entry splits immediately: £95 goes into a treasury — staked in ICP on the blockchain — where it earns yield. That yield is what funds the insurer, pays the vet bills, and keeps the cover running for five years. At Year 5, your £95 is returned to you in full. The insurance effectively cost you the remaining £5. Not a trick. Not small print. That's the structure.

£5
Your net cost — five years of £500/yr vet cover, once your £95 returns on Bonanza Day
£14M
Expected Year 1 yield from the treasury — more than enough to pay every claim across a million policyholders
£95
Principal returned to every holder on Bonanza Day. Not a target. A structural guarantee written into the protocol.
💊
"But who actually pays if my cat needs the vet?"

The insurer does — funded by treasury yield. Year 1 yield alone is ~£14M. Across a million cats, realistic annual claims run £5–12M. The maths works comfortably. The insurer gets paid before claims are even made.

🚀
"You said I might make money on my tokens. How?"

Your $NINAG tokens are separate from your cover — they're your stake in the protocol itself. Once the token trades publicly, a million-holder protocol with a growing reputation has demand behind it. It may go up. It may not. But it costs you nothing extra — it comes with the £100.

🎆
"And the Bonanza Day surplus — what's actually in that?"

If ICP grows over five years — 2×, 5×, 10× — the treasury is worth more than £95M. That growth above the original stake is the surplus. 50% goes to every holder equally. At 10× ICP, that's over £400 per person. On top of your £95 back. On top of cover worth far more than £5.

A very shocked cat reading a letter — 5 years cat insurance for £5
Is this actually real
The mechanics are established. The combination is new.
Powered by Internet Computer Protocol

ICP is a public blockchain running at web speed — no middlemen, no banks, no servers to trust. The Nina G treasury stakes directly into the Network Nervous System, ICP's on-chain governance engine, paying verified staking rewards since 2021. internetcomputer.org →

ICP staking is publicly verifiable and has been running since 2021. A pooled insurance treasury funding a fixed claim limit across a large group is actuarially standard. Neither part is exotic. Nina G combines them — and that combination is what makes the £5 net cost real.

Conventional insurers never asked this question because they don't run treasuries — they run risk books. They take your premium, price the risk, and keep what's left. The idea of returning your capital was simply never part of their model. Nina G was built on a different question entirely:

What if the investment returns covered the cost — and the capital just came home?

Registration

Four things.
That's all we need.

No lengthy forms. No vet records. No complex underwriting. Just the basics — so we can activate your cat's cover within 30 days of your £100 payment clearing.

🎂
Age
Premiums vary by age. A young healthy cat costs less to cover. That's just actuarial fact.
⚖️
Weight
A proxy for breed type and health. Nothing more — we're not judging your cat's life choices.
📸
Photo
Visual confirmation of your cat. Breed type, condition, identity. One clear photo is enough.
🏠
Owner Details
Name, address, postcode. Regional pricing factors. Standard policyholder information.
✅
Registration opens when your £100 payment is confirmed. After a standard 30-day waiting period, Year 1 cover activates — £500/yr fully funded by ICP staking yield. If ICP grows as modelled, cover continues up to 5 years. No annual renewal invoices. No rising premiums within the cycle.
Register your cat & pay £100 →
Cover activates within 30 days · $NINAG tokens issued within 7 days
The Legacy Policy

When your cat passes,
the cover doesn't.

When a cat dies, a holder who chooses not to replace their pet can pass the policy on — free of charge — to a friend's new kitten. No new £100 payment. No new tokens needed. Your five years of cover transfers. Your loyalty built it. Your friendship passes it on.

The only condition: the gifting holder's tokens must remain unbroken. The moment they're sold, the gift lapses — immediately. The policy lives or dies with the hold. And at Bonanza Day, the gifting holder still receives their full capital return and surplus share — the gift costs nothing except the commitment to keep holding.

"My cat died but yours is starting out. Your cover doesn't die with them — gift it to a friend's new kitten. Free. Immediate. No new tokens needed."
How the legacy gift works
1
Cat passes. Holder chooses not to replace their pet. They retain their $NINAG tokens throughout.
2
Name a friend. Gift recipient registers their new cat (age, weight, photo, owner details). One gift per wallet.
3
Cover transfers. Friend's kitten is covered within 60 days of registration. Original holder retains their tokens — and the gift lives on.
!
Sell the tokens at any point and the gift lapses immediately. The hold is the gift.
Bonanza Day

Year 5. Capital back.
Surplus shared.

At the end of the five-year cycle every holder gets their £95 principal returned in full. Whatever ICP has grown to above the original £95M stake is the surplus — split honestly between holders, the founder, and the protocol.

Your $NINAG tokens remain yours throughout and may appreciate independently on top. Then the cycle begins again — same structure, stronger foundation.

On Bonanza Day
🐾 £95 returned to every holder
💰 50% of surplus shared among 1M holders
🧑‍💼 35% to the founder
🔧 15% into the ops kitty for next cycle
🪙 $NINAG tokens retained — upside continues
Bonanza Day — hundreds of cats celebrating with party hats, bandages, champagne and gold coins
ICP at Bonanza Day Treasury Value Surplus above £95M Founder (35%) Ops kitty (15%) Each of 1M holders (50%) + £95 back Net cost of 5yr cover
1× — flat (worst case) £95M £0 £0 £0 £0 £95 £5
2× ICP £190M £95M £33.25M £14.25M £47.50 £95 £5
5× ICP £475M £380M £133M £57M £190 £95 £5
10× ICP £950M £855M £299.25M £128.25M £427.50 £95 £5
20× ICP £1.9B £1.805B £631.75M £270.75M £902.50 £95 £5
50× ICP £4.75B £4.655B £1.629B £698.25M £2,327.50 £95 £5
100× ICP £9.5B £9.405B £3.292B £1.411B £4,702.50 £95 £5

These figures assume dissolution begins in Year 3 — the NNS neuron starts its 2-year dissolve countdown so the full £95M principal is liquid and returned to every holder on Bonanza Day at Year 5. Yield continues to be earned and paid to the insurer throughout the dissolve period — cover is unaffected. The surplus column is the growth of the treasury above the original £95M stake. 50% of that goes to holders, 35% to the founder, 15% into the operations kitty to strengthen the next cycle. The £95 principal return and the net £5 cost of cover hold in every scenario including flat ICP. $NINAG tokens are held throughout and may appreciate independently. Illustrative figures — subject to ICP market conditions.

The Yield Engine

ICP staking funds
every premium.

£95M is converted to ICP and staked in NNS neurons — the governance layer of the Internet Computer Protocol. 8-year neurons currently earn approximately 9–10% base APY, rising year-on-year as the neuron's age bonus builds (up to +25% over 4 years). That yield — not the principal — funds every insurance premium. At a realistic claim rate of 3–5% across one million cats, Year 1 yield of ~£9M covers the insurer and claims comfortably without any ICP appreciation at all. To ensure the £95M principal is returned in full on Bonanza Day, dissolution begins in Year 3 — the neuron starts dissolving over the final two years so the principal is fully liquid and returned to holders by Year 5.

The Insurer Partnership Model
Yield-funded premiums · escalating as ICP appreciates · capped at an agreed maximum

Nina G proposes a commercial structure no insurer has ever been offered: a group policy covering one million cats, funded entirely from ICP staking yield, with no individual underwriting, no claims administration overhead, and one single counterparty. Premium income starts at Year 1 yield and grows as ICP appreciates — capped at an agreed maximum so the treasury retains the upside.

The insurer gets the largest single cat policy book ever written. Guaranteed income from day one. Zero acquisition cost. One invoice per year. If ICP fails to grow, Year 1 cover is fully funded from base yield — but Years 2–5 would require renegotiation with the insurer, drawing on the £5M ops reserve. This is a stress scenario, not a design flaw — and it is disclosed honestly to every holder upfront. If ICP performs they receive a growing, guaranteed, zero-admin income stream for five years. The bet is heavily weighted in their favour — which is exactly why they will take it.

Year ICP Scenario NNS Yield Available Est. Annual Claims (3–5%) Insurer Premium Paid Protocol Action
Year 1 ICP at entry price · neuron age 0 ~£9M (9.5% base APY) £4.5M–£12.5M ~£7–8M contracted rate — insurer covered day one All 1M cats covered · yield exceeds claims · surplus retained
Year 2 ICP steady or appreciating · age bonus building ~£10M–£18M £4.5M–£12.5M Pre-contracted higher rate Cover continues · insurer earns more · surplus accumulates
Year 3 ★ ICP 2–5× · age bonus at ~15% ~£12M–£45M £4.5M–£12.5M Higher — pre-contracted cap approaching Dissolution begins. Neuron starts 2-year dissolve countdown. Yield continues throughout dissolve period. Cover unaffected.
Year 4 ICP 3–10× · dissolving ~£14M–£90M £4.5M–£12.5M Capped maximum — agreed at outset All cats still covered · principal dissolving towards liquid · surplus growing
Year 5 · Bonanza Day ★ Neuron fully dissolved · principal liquid Final year yield £4.5M–£12.5M Final contracted payment £95 returned to every holder · surplus split · cycle resets
If ICP flat/falls Principal intact · yield at base rate only ~£9M (Year 1 base only — no growth) £4.5M–£12.5M Year 1 rate only — insurer funded in Year 1. Years 2–5 subject to renegotiation if yield does not grow. Year 1 cover is fully funded. If ICP does not grow, the insurer cannot be funded at the contracted rate for Year 2 — the protocol closes and £95 is returned to every holder at that point. The £5M ops reserve may extend cover by one year but cannot sustain the full five-year cycle. Honest position: flat ICP ends the protocol early, not in failure — your capital comes back, your Year 1 cover was real, your net cost was £5.

★ Year 3 dissolution is the key structural mechanic — the neuron begins dissolving over exactly 2 years so the principal is fully liquid and returned to holders on Bonanza Day at Year 5. Yield continues to accrue and be paid to the insurer throughout the dissolve period. The £95M principal is returned at cycle close — Year 5 if ICP grows as modelled, or early if yield cannot fund the insurer beyond Year 1. All yield figures assume 8-year neuron with age bonus building. Claims estimated at 3–5% of 1M cats, average payout £150–250. All figures illustrative — subject to ICP market conditions and insurer negotiations.

The Numbers

What £100 actually
buys you.

Year 1 cover is fully funded. If ICP grows, up to five years of cover follows with £95 returned at cycle close. If ICP is flat after Year 1, the protocol closes and £95 is returned early. Either way, your capital comes back. Either way, the cover cost you £5.

😌
What you get.

Year 1 vet cover fully funded. If ICP grows, cover runs up to five years and £95 is returned at cycle close with a surplus share on top. If ICP is flat after Year 1, the protocol closes early and £95 is returned. $NINAG tokens are yours either way.

  • 🐾 £500/yr vet cover — Year 1 fully funded · Years 2–5 require ICP growth
  • 💰 £95 principal returned at cycle close — Year 5 if ICP grows, earlier if flat
  • 📈 ICP surplus share — 50% to holders if treasury grows above £95M
  • 🪙 $NINAG tokens — may appreciate independently
  • ✅ Net cost of cover: £5 if the full cycle runs · still a partial win if it closes early
🔁
Then you start again.

After Bonanza Day the cycle closes. If you want another five years of cover, you re-register and pay another £100. Fresh cycle. Fresh ICP stake. Your old $NINAG tokens stay with you — they're yours regardless.

  • 🐾 Re-register for five more years of £500/yr cover
  • 🪙 Old tokens retained — a new allocation added
  • 📈 New ICP stake begins accumulating
  • 🎉 Another Bonanza Day in five years
  • ✅ Your choice — no obligation to re-enter
The Risk Framing

Even if it closes early,
you get your money back.

Most investments have one floor: you lose your money and get nothing. Nina G has a different floor entirely. The £95 principal is staked in NNS neurons and returned at cycle close — whether that's Year 5 or earlier if ICP does not support the full term. The token price has no bearing on capital return.

If ICP is flat after Year 1, the insurer cannot be funded at the contracted rate for Year 2. At that point the protocol closes — your £95M principal is returned to every holder in full. You had one year of £500 vet cover. Your £95 came back. Your net cost of that year of cover was £5.

Retail cat insurance costs £200–400 per year. Even one year of Nina G cover — with your £95 returned — nets out at £5. If the full five years run, the cost is still £5. If it closes at Year 2 or 3, it's still £5. The capital return is what makes the floor so strong regardless of duration.

"Worst case: one year of cover for £5 net and your £95 back. Best case: five years of cover, £95 back, a surplus cheque, and tokens worth multiples of your entry. There aren't many deals where even the floor is this clean."
Net cost of cover
£5
for 5 years of £500/yr cover after capital return
Retail equivalent
£1,000–2,000
what the same cover costs over 5 years at retail
At ICP 10×
£427.50
surplus share per holder on Bonanza Day
Your tokens
Stay yours
$NINAG held across every cycle, compounding
Why 1 Million Matters

The most powerful pet insurance
buyer on earth.

No individual has leverage with a pet insurer. One million holders — pooling £95M into ICP staking with one unified policy — have more leverage than any buyer in the history of pet insurance. That is what makes the group rate possible. That is what makes the yield work. That is what makes the deal.

🤝
The negotiation.

Nina G walks into an insurer with 1 million pre-committed policyholders, £95M staked in ICP neurons, and a Year 1 guaranteed premium — with a contracted escalating schedule for Years 2–5 subject to ICP yield growth. The insurer's customer acquisition cost is zero. Their risk pool is the largest in pet insurance history.

  • 🐾 1M policies — largest single cat policy book ever written
  • 💰 Zero acquisition cost for the insurer
  • 📊 3–5% realistic claim rate — actuarially very manageable
  • 🏦 £500 cap limits tail risk — insurer protected from catastrophic claims
📉
The group rate.

Retail cat insurance: £200–400/yr. The group rate funded by ICP yield means the insurer is paid from treasury — not from holders' pockets. The yield at 3–5% claim rates covers the insurer from Year 1 with no ICP appreciation required.

  • 🛒 Retail premium: £200–400/yr per cat
  • 🎯 Funded entirely from ~£9M Year 1 ICP staking yield
  • 📐 £500 annual cap — covers the vast majority of real incidents
  • ✅ No excess · pre-existing exclusions only · one clean policy
Nina Card · Year 2 Feature

If ICP performs,
your cat gets a card.

The Nina Card is not a day-one promise. It is a year-two reward — issued only once ICP appreciation generates surplus yield above the capped premium. Year one is clean and simple: buy the token, stake it, your cat is covered. If the protocol performs as designed, year two brings two cards to your door and a round-up that builds your cat's personal vet reserve with every purchase you make.

Year One
Buy. Stake. Cat covered.
  • ✅ Token purchase confirmed
  • ✅ Group insurance cover activates
  • ✅ £500/yr claim pool live — 5 year cycle begins
  • ✅ ICP staking begins — £95M into NNS neurons
  • ⏳ Card programme in development
Year Two — If ICP Surplus Allows
Two cards arrive at your door.
  • ✅ Owner card — round-up on every spend
  • ✅ Pet card — swipe directly at the vet
  • ✅ Miaow toggle in the app
  • ✅ Personal vet reserve builds automatically
  • ✅ Free year two · £24.99/yr from year three
Owner Card
Nina G
Personal spend · Round-up enabled
•••• •••• •••• 4821
Prepaid Mastercard
VALID THRU 12/28
Every purchase rounds up to the nearest £1. The spare change flows into your cat's personal vet reserve — automatically, silently, every time you tap.
Pet Card
Nina G / Pet
Vet payments · Pool + personal reserve
•••• •••• •••• 9364
Prepaid Mastercard
VALID THRU 12/28
Used directly at vet reception. Draws from the £500 pool cover first, then your personal round-up reserve. No claim form. No waiting. The vet swipes it like any other card.
How the round-up works
Three modes. Set once, runs quietly in the background.
🔄
Classic Round-Up
Spend £1.90, pay £2.00. The 10p goes to your cat. Invisible, automatic, painless. The default for every card.
✖️
Paw Multiplier
Set a 2×, 5×, or 10× multiplier. That 10p becomes 20p, 50p, or £1. Same spend, faster pot.
📅
Monthly Cap
Set a monthly ceiling — £5, £10, or £20. Spreads automatically across your spend. You never overshoot.
🔊
The Miaow Toggle
Switch it on and every successful round-up plays a short miaow through your phone. Your cat acknowledges every purchase. Leave it on in a café queue and it starts more conversations than any advertisement could. One tap turns it off for meetings, trains, and anywhere dignity is required.
🐱 Round-up miaow 😿 Low pot warning 😻 Milestone purr 🔕 Silent mode
What happens when the vet bill arrives
The pet card settles in order. No action required from you.
1
Pool cover activates first. Up to £500 of any eligible vet bill is settled from the 1M-holder pool automatically. No excess. No approval. No paperwork.
2
Your round-up reserve covers the gap. If the bill exceeds £500, the pet card draws from your personal pot. The app shows the live balance before the vet swipes — no surprises at the desk.
3
Any remaining balance is yours to settle. The card shows the exact shortfall before payment completes. Full transparency at the point of care, every time.
Card pricing
Free for the first year of issue. One flat annual fee from year two.
Free
First Year of Issue
Both cards posted to you at no cost when the card programme launches in year two. Full round-up active from day of issue. Miaow toggle included. No card fee, no transaction charge.
£24.99/yr
From Year Two of Issue
£2.08 per month. Covers card maintenance, transaction processing, and replacement. Cancel any time — your $NINAG tokens and pool cover are entirely unaffected. The card sits on top of the protocol. It is not a condition of it.
How the card programme is funded. The insurance premium is funded entirely from ICP staking yield — ~£9M in Year 1 at ~9.5% APY on £95M, growing as ICP appreciates and the age bonus builds. The card programme is funded from yield surplus — the amount by which staking yield exceeds what is paid to the insurer in any given year. At the realistic 3–5% claim rate, surplus begins accumulating from Year 1. At 3–5× ICP appreciation it grows meaningfully. Card fee revenue (£17.5M annually at 70% renewal) and vet network referral income contribute to running costs. At low ICP appreciation the programme runs lean or pauses. At 5× and above it runs comfortably. The card is not a revenue line. It is proof that the protocol is working — a physical object in a holder's hand that would not exist without the yield surplus that ICP appreciation creates.
"You held. ICP grew. Here are your cat's cards. That's the bet — and that's the reward."
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