# Chains, multi chain

Bright Union app implements the concept of [Global Risk Chain](https://brightunion.io/blog/risk-chain.html) introduced by the team in 2024.

The concept enables multiple use cases, and first of them - allowing sales of DeFi covers cross multiple EVMs. Regardless of where the cover is purchased, it will be:

* fulfilled on the chain where the underwriting capital pool is located
* the cover will protect the user's wallet against risks on **all** EVMs

Example: *Vitalik has purchased a cover protecting his $500k investments on Aave V3, Balancer V4 and Hyperliquid, for 90 days. He's purchased it on Gnosis chain, paying $500 Gnosis USDs. From that moment he is 100% covered on **every** EVM where these protocols exist. Under the hood, the underwriting capital ($500k) actually resides on Ethereum, and that's where the cover was fulfilled.*