# \[RFC\] Arbitrum User Reimbursement, Insurance Fund, and Other Improvements **URL:** \ **Category:** Request for Comment \[RFCs\]\ **Tags:** rfc, reimbursement, insurance-fund, seal-safe-harbor, guardians\ **Created:** [December 4, 2025, 8:08pm UTC](https://forum.summer.fi/t/rfc-arbitrum-user-reimbursement-insurance-fund-and-other-improvements/543 "2025-12-04T20:08:25Z")\ **Posts on this page:** 10\ **Page:** 2
**Author:** ![unwelcomeexplorer](https://avatars.discourse-cdn.com/v4/letter/u/8491ac/32.png) [@unwelcomeexplorer](https://forum.summer.fi/u/unwelcomeexplorer)\ **Post date:** [December 14, 2025, 4:33pm UTC](https://forum.summer.fi/t/rfc-arbitrum-user-reimbursement-insurance-fund-and-other-improvements/543/21 "2025-12-14T16:33:54Z")
Hi. Where did you find the **reimbursement eligibility list? Can you share the link? Tks** ---
**Author:** ![Miranda](https://avatars.discourse-cdn.com/v4/letter/m/34f0e0/32.png) [@Miranda](https://forum.summer.fi/u/Miranda)\ **Post date:** [December 16, 2025, 7:28am UTC](https://forum.summer.fi/t/rfc-arbitrum-user-reimbursement-insurance-fund-and-other-improvements/543/22 "2025-12-16T07:28:53Z")
[https://docs.google.com/spreadsheets/d/e/2PACX-1vSfgWYJgCSl9BnYzhBkHWGfnY59IOUk7F5Inx0myoVY9la50dFE03BaXYf6ngJSDmR1eRCdrd2\_bIXp/pubhtml](https://docs.google.com/spreadsheets/d/e/2PACX-1vSfgWYJgCSl9BnYzhBkHWGfnY59IOUk7F5Inx0myoVY9la50dFE03BaXYf6ngJSDmR1eRCdrd2_bIXp/pubhtml) ---
**Author:** ![Ceazor](https://yyz1.discourse-cdn.com/flex009/user_avatar/forum.summer.fi/ceazor/32/377_2.png) [@Ceazor](https://forum.summer.fi/u/Ceazor)\ **Post date:** [December 16, 2025, 6:45pm UTC](https://forum.summer.fi/t/rfc-arbitrum-user-reimbursement-insurance-fund-and-other-improvements/543/23 "2025-12-16T18:45:28Z")
> [@jensei](#): > > models My frist thought on this is about socializing losses Vaults need to have a pause feature that can react to issues like this which pause all deposit and withdraws. Then losses are socialized Anyone that frontruns the pause it just a skill/attention factor and should be not be considered what is “fair” That said the messaging of Sumr is to give people freedom from needing these skills/attention and therefore to maintain this brand, i support some level of reimburment. but not 100% as we all know we are taking risks everywhere we deposit in DeFi. i have been victim to many projects that slow rug these situations. This is obv unacceptable for any project thats wants sustainability. … insurance is hard . aave’s sAAVE is interesting, as it - gives utility to govTOKEN, - puts all token holders (staked or not) as risk as any payout in govTOKEN will likely be sold for lost token, This encourages more eyes on this risk - save the treasury from having to hold USDC as insurance. There is a possibility here of doing a hybrid system, of sSUMR insurance while Teasury builts up assets (USDC, ETH) to cover future losses. So it makes for sSUMR token stakers with long term vision, to have the best upside. simply said, backstop for now but stop when not needed anymore, and earn lvUSDC, SUMR all the while. this might need redeployment of staking contract to allow for the removal of SUMR to payout claims. That said, i dont think any insurance should ever pay out 100%, and should also have a max CAP, like 1M USD, 10M USD etc.. some ratio of total TVL. Lastly, avoidance is the key here. ---
**Author:** ![jensei](https://yyz1.discourse-cdn.com/flex009/user_avatar/forum.summer.fi/jensei/32/69_2.png) [@jensei](https://forum.summer.fi/u/jensei)\ **Post date:** [December 18, 2025, 2:49pm UTC](https://forum.summer.fi/t/rfc-arbitrum-user-reimbursement-insurance-fund-and-other-improvements/543/25 "2025-12-18T14:49:32Z")
Spinning out a first topic specific RFC: [[RFC] Arbitrum USDC Vault (OLD) User Reimbursement](https://forum.summer.fi/t/rfc-arbitrum-usdc-vault-old-user-reimbursement/582) ---
**Author:** ![techsqrt](https://yyz1.discourse-cdn.com/flex009/user_avatar/forum.summer.fi/techsqrt/32/389_2.png) [@techsqrt](https://forum.summer.fi/u/techsqrt)\ **Post date:** [December 18, 2025, 9:53pm UTC](https://forum.summer.fi/t/rfc-arbitrum-user-reimbursement-insurance-fund-and-other-improvements/543/26 "2025-12-18T21:53:21Z")
Thanks for the proposal. I support the reimbursement in SUMR of 84% . Immediate SUMR pricing at TTE seems too risky as initial prices can be extremely volatile (in both directions). 1 month or even 3 months vesting - looks like a sweetspot to me. I would also support some kind of mediation to @BlockAnalitica for co-sharing the bill. By no means I am not voting for promising SUMR at its “30d average price”. **C’mon guys, there is $1.1M+ at stake, we need be a little more precise than “30d average price”.** 1. Let’s define the data points precisely, e.g. **“average of 30 numbers: last 30 daily-close prices at some-concrete-exchange-name: SUMR/WETH pair”**. (let’s improve this defintion further) 2. Also plain **mean** function here, can be deceptive. Imagine prices at token trading debut going through the roof 🚀 or “strategically” dropping down significantly ☄ . It may affect the “fair” valuation. **Therefore, I propose dropping 5 top and 5 bottom outliers out of these 30 numbers before calculating mean. Hence, the “middle” 20 numbers would be averaged.** ---
**Author:** ![Didier](https://avatars.discourse-cdn.com/v4/letter/d/41988e/32.png) [@Didier](https://forum.summer.fi/u/Didier)\ **Post date:** [February 2, 2026, 1:49am UTC](https://forum.summer.fi/t/rfc-arbitrum-user-reimbursement-insurance-fund-and-other-improvements/543/27 "2026-02-02T01:49:05Z")
We are now in February 2026 already. Is there any new about timelines for the reimbursement? ---
**Author:** ![Meta](https://yyz1.discourse-cdn.com/flex009/user_avatar/forum.summer.fi/meta/32/316_2.png) [@Meta](https://forum.summer.fi/u/Meta)\ **Post date:** [February 3, 2026, 7:58pm UTC](https://forum.summer.fi/t/rfc-arbitrum-user-reimbursement-insurance-fund-and-other-improvements/543/28 "2026-02-03T19:58:18Z")
This conversation has evolved _dramatically_ as the SUMR token has started trading - to the point of reverting to longer timeframe USDC-based reimbursement from a % of protocol revenue. @Didier @techsqrt - would love to hear your thoughts here: [[RFC] Arbitrum USDC Vault (OLD) User Reimbursement](https://forum.summer.fi/t/rfc-arbitrum-usdc-vault-old-user-reimbursement/582) ---
**Author:** ![unwelcomeexplorer](https://avatars.discourse-cdn.com/v4/letter/u/8491ac/32.png) [@unwelcomeexplorer](https://forum.summer.fi/u/unwelcomeexplorer)\ **Post date:** [February 6, 2026, 11:06pm UTC](https://forum.summer.fi/t/rfc-arbitrum-user-reimbursement-insurance-fund-and-other-improvements/543/29 "2026-02-06T23:06:52Z")
Will be any compensation? I believe not. People should be advised about risks of this protocol! ---
**Author:** ![mister](https://avatars.discourse-cdn.com/v4/letter/m/aeb1de/32.png) [@mister](https://forum.summer.fi/u/mister)\ **Post date:** [February 15, 2026, 5:29pm UTC](https://forum.summer.fi/t/rfc-arbitrum-user-reimbursement-insurance-fund-and-other-improvements/543/30 "2026-02-15T17:29:41Z")
Sadly, this is what happened ---
**Author:** ![gp883](https://avatars.discourse-cdn.com/v4/letter/g/67e7ee/32.png) [@gp883](https://forum.summer.fi/u/gp883)\ **Post date:** [February 16, 2026, 1:01am UTC](https://forum.summer.fi/t/rfc-arbitrum-user-reimbursement-insurance-fund-and-other-improvements/543/31 "2026-02-16T01:01:59Z")
I wouldn’t hold my breath waiting for a reimbursement, it won’t happen. I used to recommend Oasis (now Summer) to anyone who asked me about crypto and investments in general, but this issue showed the true colors of the platform. Now I wouldn’t trust them with Monopoly money. [Previous page](https://forum.summer.fi/t/rfc-arbitrum-user-reimbursement-insurance-fund-and-other-improvements/543.md?page=1)