web3/concepts/deposit-insurance.md

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# Deposit Insurance
Insurance a bank holds against its [deposit](deposit.md) to protect depositors from losses by insolvent banks. Instead of being mutualized deposits are backed by a [central banks](central-banks.md).
See also [bank run](bank-run.md) and [mutualization](mutualization.md).
## References
1. Roche, Cullen O. 2011. Understanding the Modern Monetary System. http://ssrn.com/paper=1905625.