fix: add insurance fund mechanism for protocol failures

[Marskill65]

Overview

This PR adds a configurable insurance fund mechanism that allocates a portion of protocol yield to a dedicated reserve pool. The reserve is stored as a separate vault balance and is used to backstop eligible user losses from protocol failures or smart contract exploits. It includes owner-managed contribution and payout settings, fund-level monitoring alerts, full test coverage, and documentation.

Related Issue

Closes the insurance fund for protocol failures bounty issue.

Changes

🛡️ Insurance Fund Core

• [ADD] neurowealth-vault/contracts/vault/src/insurance.rs

  • Implements insurance fund balance storage, owner-configurable contribution rate in basis points, and configurable maximum payout per incident.
  • Backstops eligible user losses from protocol failures and smart contract exploits.
  • Emits InsuranceFundUpdatedEvent on configuration changes and payout events.
  • Exposes an insurance_fund_balance() getter for transparency.

• [MODIFY] neurowealth-vault/contracts/vault/src/topics.rs

  • Adds InsuranceFundUpdatedEvent topics and supporting event constants.

• [ADD] neurowealth-vault/contracts/vault/src/tests/test_insurance_fund.rs

  • Tests contribution allocation, payout cap enforcement, owner-only settings, insufficient-fund edge cases, and event emission.

• [MODIFY] neurowealth-vault/contracts/vault/src/tests/mod.rs

  • Registers the new insurance fund test module.

🖥️ Admin, Monitoring & Docs

• [ADD] packages/admin-panel/src/components/InsuranceConfiguration.tsx

  • Admin UI to view the fund balance and configure contribution rate + maximum payout per incident.

• [MODIFY] packages/monitoring/src/monitor.ts

  • Monitors insurance fund level and alerts when the balance falls below the configured minimum threshold.

• [ADD] docs/INSURANCE.md

  • Documents the insurance mechanism, configuration, payout flow, and monitoring setup.

Verification Results

cargo test -p neurowealth-vault --lib insurance_fund
✅ 8/8 passed

Live acceptance check:
✅ Contribution rate applies only to new yield accrual
✅ Insurance fund balance is separate from user vault balances
✅ Payouts are capped by the per-incident maximum
✅ Owner-only configuration updates emit InsuranceFundUpdatedEvent
✅ Fund balance getter available for transparency
✅ Monitor raises alert below minimum threshold
✅ docs/INSURANCE.md covers configuration and payout flow

Acceptance Criteria	Status
Configurable insurance contribution rate (owner setting, basis points)	✅ Owner-only setter with basis-point precision
Insurance fund stored as separate balance in vault	✅ Dedicated insurance fund balance field exposed via getter
Fund used to backstop user losses from protocol failures	✅ Payout path restricted to verified failure/exploit incidents
Maximum insurance payout per incident (configurable)	✅ Per-incident cap configurable by owner and enforced on payout
Fund level monitoring and alerts (minimum threshold)	✅ Monitor alerts when balance drops below threshold
Event: InsuranceFundUpdatedEvent	✅ Emitted on contribution rate change, max payout change, and payout
Transparency: fund balance visible via getter	✅ insurance_fund_balance() getter returns current reserve
Test coverage for contribution, payout, and edge cases	✅ 8/8 unit and integration tests pass
Document in docs/INSURANCE.md	✅ Added usage, configuration, and incident flow guide

Closes #661

[drips-wave]

@Marskill65 Great news! 🎉 Based on an automated assessment of this PR, the linked Wave issue(s) no longer count against your application limits.

You can now already apply to more issues while waiting for a review of this PR. Keep up the great work! 🚀

Learn more about application limits

[Abidoyesimze]

Pls fix conflict