The Electrium Net Protocol is engineered as a four-layer smart contract insurance architecture. At its core, Layer 0 provides a fully standardized, lifelong insurance policy encoded directly as a programmable smart contract. Building upward from this foundation, the protocol seamlessly extends into the public blockchain through additional layers that deliver full transparency, verifiable accountability, utility and secure self custody without sacrificing privacy. This layered design transforms traditional insurance into a decentralized, trustless, and enduring digital asset ecosystem.