One Llama

One Llama is a community-driven auto protection program that offers a lower-cost alternative to traditional collision and comprehensive auto insurance. Members pay into a shared mutual-aid fund - roughly 70% of each payment supports other members' repair costs while about 30% covers service fees - and they earn One Llama Tokens (OLT) for safe driving and referrals. Plans start around $350 for six months with protection up to $100,000, and the program leans on AI risk and damage assessment plus a DePIN/blockchain layer to record driving data and reward safe miles transparently.