Drive Forward: Join the ZNLT Movement for Fairer Insurance

For decades, auto insurance has treated everyone the same at the checkout—even when drivers are nothing alike on the road. Premiums keep rising while safe drivers rarely see meaningful rewards. It’s time to flip that script. With ZNLT, safe driving finally earns real value, and a fairer insurance future comes into view.

What’s broken—and how ZNLT fixes it

Auto insurance in the U.S. is a $300B market inside a $2T auto economy, where 5–20% is siphoned by middlemen and inefficient distribution—costs that ultimately land on consumers. At the same time, accident frequency, rising repair/medical costs, and claims frictions push premiums up year after year, often 14–25% annually in recent cycles. ZNLT attacks these root causes with behavior-based rewards and a community-powered marketplace designed to lower acquisition, adjustment, and claims costs while promoting safer roads.

Earn ZNLT for safer driving and community growth

ZNLT is a utility token that drivers earn for verified safe driving and referrals—measured by a transparent Safety Score with tiered monthly rewards. Higher safety tiers earn more ZNLT, with additional boosts for using in-car integrations and inviting friends who complete onboarding. This aligns daily driving behavior with tangible benefits and builds a movement where everyone can participate, regardless of their insurer.

• Safety Score tiers map to monthly ZNLT rewards, encouraging fewer hard brakes, less speeding, and reduced distraction.
• Referral incentives expand the network efficiently, lowering customer acquisition costs versus traditional channels.

Real-world utility, not speculation

ZNLT powers a marketplace connecting drivers to insurers, safety products, and data services—starting with insurance via partners and expanding into multi-vertical offers over time. Critically, 70% of marketplace net revenue is used to buy back ZNLT from members through governed smart contracts, reinforcing utility and long-term demand tied to real transactions, not hype.

• Use ZNLT for non-insurance redemptions like gift cards and safety gear in early phases, with insurance-related value introduced through compliant structures and partner programs over time.
• A phased liquidity approach prioritizes trust and utility first, then broader exchange access as real usage grows.

Built for trust: technology, governance, and compliance

The Zenlit ecosystem runs on a robust stack: a Safety Score SDK, secure wallets, and smart contracts deployed on a scalable L2 to keep costs low and transactions fast. Token distribution logic is rule-based and transparent, with multi-sig safes, throttles, and audits improving integrity from day one. The governance path moves from a foundation-led model toward greater community participation as usage scales, ensuring neutrality and resilience.

The fair insurance flywheel

Safer driving reduces accidents and claims; marketplace revenue funds token buybacks; buybacks boost token utility; utility attracts more drivers and vendors; and the cycle compounds. Vendors pay access fees in ZNLT, aligning incentives so value flows back to the community creating it. The vision: 30% fewer accidents and 30% lower insurance costs than 2025 levels, with 20 million members by 2030.

Join the movement

• Drive with the Zenlit Safety Score and earn ZNLT monthly for safer behavior.
• Invite friends to grow a community that makes roads safer and insurance fairer.
• Redeem in the marketplace as utility expands, knowing 70% of net revenue is cycling back through token buybacks to reward the ecosystem’s real contributors.

Fairer insurance starts with everyday choices behind the wheel. Drive forward with ZNLT—where smart driving earns real value and a better system is built together.