{Pre-ICO or No ICO} Please Hear My concept of Insured Exchange and give feedback

exchange keeps on getting hacked every yea.In the recent Cryptopia hack millions of funds gets lost

Since gave me the idea of Insured Exchange (90% possibility of working as decentralized)

the concept of an insured exchange is very simple but is just a concept for now

how the insurance will work.

Since i am a single developer and not amongst rich and not a guy full of fame i cant do this on my own and will require funds (stay with me)

to make the exchange live i will need a team and team needs money so there could be an ICO or there couldn't be any ICO if any company decide to invest in the project

lets just say we are having ICO
(the hardcap wont be in Billions and wouldn't require even a million I think (not sure) )

investors who invest in ICO will get 20% revenue from the exchange for 8 years

investors who invest in ICO will get a massive discount to in insurance (yup u would have to pay for insurance (but not alot) )

investors who invest in ICO might be given a specified amount of tokens every year if company goes in loss

(benefits of ICO I might be able to do make an insured Decentralized exchange )

Lets Just Say we are not having ICO and a company is investing in it

since there isn't ICO we have funds to make exchange, making exchange is easy part majority of funds will be used for marketing
(if we do No ICO and company invest in there would be no change of decentralization)

now let me tell u how insurance will work and how funds will be saved to pay in case of security attack

1. People would need to pay a small amount for insurance (depends on them )
e.g: there will be teirs e.g paying a amount to insure losses of upto xx BTC
if i am trading 10 BTC monthly and wont to insure 10 BTC i would have to pay more fees or a single payment of 0.5 btc to insure 10 btc for 3 years

2. 20-50% of revenue will go to insurance fund

3. 20-50% of revenue from coin listings will goto insurance fund

thats all i have thought about now

last thing on how it will be decentralized

lets just say we got hacked and own insurance u could file report we track your account and send u the money on ur signature assigned btc address (one btc addy signature might be requirement)