At the moment,my favourite ICO is INCODIUM.

What is INCODIUM?

Incodium has developed a solution to protect users and investors against the rising threat of cryptocurrency hacks. Incodium is achieving this through an API-based Smart Contract Solution.

Incodium aims to revolutionize the way compensation is provided through a simple, transparent and actionable platform. Their “Smart Compensation Protection” service determines the extent of the loss occurred and the amount of compensation that needs to be provided.

The compensation amount is calculated using these three parameters:

1. 30 times the amount of Incodium coin owned

2. 10,000 USD

3. Actual damage

The amount which will be compensated to the user is the lowest out of the three mentioned parameters.

You can also download their official white paper from the official website: https://incodium.io/