WCT payment function is linked with cross-border logistics insurance. When users pay logistics costs with WCT, they automatically receive logistics insurance equivalent to 0.5% (settled in WCT), and in case of goods damage, they can claim compensation in WCT. After testing by a certain cross-border e-commerce platform, the user logistics dispute rate decreased by 60%, the proportion of WCT payments increased from 20% to 45%, and the average settlement time for insurance claims was reduced from 7 days to 1 day. The linkage provides users with additional protection, enhances the competitiveness of WCT payments, and allows the token to play a role in risk protection in cross-border trade.