> For the complete documentation index, see [llms.txt](https://docs.marquee.fi/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.marquee.fi/protocol/user-payouts.md). # User Payouts Users are our first priority. We ensure claimers are paid out through 4 layers: Insurance Premia, Fund Pool, Vault and MARQ token.​ **1.Insurance Premia** For the long-term operation of Marquee fund pool, the fund providers have certain advantages over insurance purchasers. Insurance premia is a compensation for providing liquidity into the fund pool and bearing the risk of claims. Therefore, this part of the fund will be used to pay the claims first.​ 2.**Fund Pool** Fund providing is not a principal protected earn product. While earning a high yield by becoming the counterparty of insurance purchasers, fund providers also have the obligation to bear corresponding risks.​ 3.**Vault** The maximum occupancy limit of the fund pool is 80%, and the other 20% is kept as the reserve. When 80% of the fund pool is not enough to pay for all outstanding insurance claims, the 20% in reserve can guarantee a high probability of compensation claims.​Project return will also be used to pay claims. The ultimate return to Marquee comes from cooperating DeFi insurance projects. Returns generated from the projects are reserved in the vault. If the amount of assets fall under the liabilities in the fund pools, the protocol uses the reserved assets in the vault to provide extra liquidity.​ 4.**MARQ Token** If there are extreme price fluctuations, there may be a situation where the entire amount of the fund pool cannot afford to pay for the claims, i.e., the fund pool is in insolvency. When this happens, Marquee will issue additional governance tokens and sell them in the market to repay the insolvent part of the fund pool to smooth the daily operation of the project. Marquee will repurchase governance tokens through project revenue when the project is running normally. ​ --- # Agent Instructions This documentation is published with GitBook. GitBook is the documentation platform designed so that both humans and AI agents can read, navigate, and reason over technical content effectively. Learn more at gitbook.com. ## Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter, and the optional `goal` query parameter: ``` GET https://docs.marquee.fi/protocol/user-payouts.md?ask=&goal= ``` `ask` is the immediate question: it should be specific, self-contained, and written in natural language. `goal` is optional and describes the broader end goal you are ultimately trying to accomplish on behalf of the user. GitBook uses it to tailor the answer towards what is most useful for that goal. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.