According to CryptoSlate, Lido Earn integrated the Firelight loss protection layer on November 5. Eligible and approved losses are absorbed by this layer first, before involving the original DAO buffer. For that month, Lido's example corresponded to a combined potential buffer of approximately 7.2% for EarnETH and 12.1% for EarnUSD. However, subject to coverage scope, audits, market-specific limits, and available capital, this does not represent the November 13 balance or a guaranteed payout ratio. Losses that remain uncovered, exceed limits, or surpass available capital may still be borne by depositors, and it cannot be inferred from this that EarnUSD carries lower overall risk.