Ask about Cozy Finance · freeTotal Value Locked$895,049
TVL by Chain
Ethereum$889,684
OP Mainnet$5,365
The chart plots Active Loans as its own series; it is not part of the TVL above.
Key Metrics
Active Loans$12,565
Total Raised$17m
Sep 3, 2020$2mRound: SeedInvestors: Dragonfly Capital, Edward Moncada, Electric Capital, Robot Ventures, Slow Ventures, Spencer Noon, Variant Fund, Volt Capital
May 13, 2021$15mRound: Investors: Polychain Capital
Protocol Information
Cozy is an open-source protocol for automated and trust-minimized Protection Markets
Methodology
TVL: Total value of all coins held in the smart contracts of the protocol
User Activity
Active Addresses (24h)0
New Addresses (24h)0
Transactions (24h)0
Gas Used (24h)0 ETH
Gas Cost (24h)$0
Hacks
Date: Aug 30, 2025
Protocol: Cozy V2
Amount: $427,000
Classification: Input Validation
Technique: Missing Input Validation
Chains: Optimism
Language: Solidity
Target Type: DeFi Protocol
Date: Sep 7, 2026
Protocol: Cozy V2
Amount: $163,326
Classification: Protocol Logic
Technique: Unknown
Chains: Optimism
Language: Solidity
Target Type: DeFi Protocol
Competitors
Cozy Finance history
TVL is the default DefiLlama definition, which excludes Active Loans. Daily values are UTC snapshots from Jun 29, 2021 to Oct 28, 2026.
All-time high TVL: $8.57m on Nov 12, 2021. All-time low TVL: $50,466 on Jun 29, 2021.
Daily TVL, Sep 29, 2026 to Oct 28, 2026
| Date | TVL |
|---|---|
| Sep 29, 2026 | $1.03m |
| Sep 30, 2026 | $1.01m |
| Oct 1, 2026 | $1.01m |
| Oct 2, 2026 | $1.01m |
| Oct 3, 2026 | $986,166 |
| Oct 4, 2026 | $989,883 |
| Oct 5, 2026 | $998,209 |
| Oct 6, 2026 | $995,270 |
| Oct 7, 2026 | $992,431 |
| Oct 8, 2026 | $965,933 |
| Oct 9, 2026 | $945,488 |
| Oct 10, 2026 | $948,916 |
| Oct 11, 2026 | $952,638 |
| Oct 12, 2026 | $961,188 |
| Oct 13, 2026 | $939,468 |
| Oct 14, 2026 | $953,680 |
| Oct 15, 2026 | $932,919 |
| Oct 16, 2026 | $939,313 |
| Oct 17, 2026 | $510,148 |
| Oct 18, 2026 | $509,842 |
| Oct 19, 2026 | $616,329 |
| Oct 20, 2026 | $614,960 |
| Oct 21, 2026 | $619,403 |
| Oct 22, 2026 | $918,565 |
| Oct 23, 2026 | $900,402 |
| Oct 24, 2026 | $897,975 |
| Oct 25, 2026 | $894,735 |
| Oct 26, 2026 | $888,738 |
| Oct 27, 2026 | $887,032 |
| Oct 28, 2026 | $892,766 |
TVL at each month end, Nov 2024 to Oct 2026
| Date | TVL |
|---|---|
| Nov 30, 2024 | $1.43m |
| Dec 31, 2024 | $1.41m |
| Jan 31, 2025 | $1.42m |
| Feb 28, 2025 | $1.36m |
| Mar 31, 2025 | $1.33m |
| Apr 30, 2025 | $1.35m |
| May 31, 2025 | $1.39m |
| Jun 30, 2025 | $1.39m |
| Jul 31, 2025 | $1.45m |
| Aug 31, 2025 | $555,866 |
| Sep 30, 2025 | $558,398 |
| Oct 31, 2025 | $377,542 |
| Nov 30, 2025 | $359,698 |
| Dec 31, 2025 | $355,535 |
| Jan 31, 2026 | $349,614 |
| Feb 28, 2026 | $333,002 |
| Mar 31, 2026 | $1.74m |
| Apr 30, 2026 | $2.08m |
| May 31, 2026 | $2.24m |
| Jun 30, 2026 | $1.94m |
| Jul 31, 2026 | $996,714 |
| Aug 31, 2026 | $1.27m |
| Sep 30, 2026 | $1.01m |
| Oct 28, 2026 (latest) | $892,766 |
TVL at each year end, Dec 31, 2021 to Dec 31, 2025
| Date | TVL |
|---|---|
| Dec 31, 2021 | $6.36m |
| Dec 31, 2022 | $928,356 |
| Dec 31, 2023 | $1.38m |
| Dec 31, 2024 | $1.41m |
| Dec 31, 2025 | $355,535 |
The .csv export on the chart above downloads every daily value. The same data is in the public API: https://api.llama.fi/protocol/cozy-finance
Frequently asked questions
What is Cozy Finance's TVL?
As of Oct 28, 2026, Cozy Finance has $895,049 in total value locked. TVL has decreased 12.9% over the past 30 days.
What chains does Cozy Finance operate on?
Cozy Finance operates on 2 chains: Ethereum and OP Mainnet. Ethereum holds the largest share at 99.4%.
How does Cozy Finance's TVL compare to similar protocols?
Among Insurance protocols tracked by DefiLlama, Cozy Finance ranks #6 by TVL. The category holds $178.04m across 31 protocols, and Cozy Finance accounts for 0.5% of that total. Similar protocols include Ante Finance, InsureDAO, Risk Harbor, Nexus Mutual, Easedefi.org, Unslashed, Ensuro, iTrust Finance, Cover Protocol, and Sherlock.
How much has been borrowed through Cozy Finance?
As of Oct 28, 2026, Cozy Finance has $12,565 in active loans.
Has Cozy Finance ever been exploited?
Cozy Finance has 2 recorded security incidents. The most recent incident occurred on Sep 7, 2026 and involved $163,326. It was classified as Protocol Logic.