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Insurance giant AXA XL and insurance technology startup Assurely have jointly launched a new insurance product covering equity crowdfunding and Security Token Offerings (STOs), according to a press release published on March 6.
The new product dubbed CrowdProtector was created for issuers and investors, and purportedly protects new online capital formation strategies like equity crowdfunding and STOs. A robust also aims increase trust, confidence and safety to potential investors guaranteeing that the issuer is secured. According to Ty Sagalow, CEO of Assurely, the parties have managed to increase underwriting. The releases states:
CrowdProtector provides Issuers protection against investor complaints and lawsuits as well as serve as a communication to investors that they might get their principal investment returned should the issuer misuse the funds, purposefully misrepresent information in their offering documents, or steal the money.
In the release, it is noted that until recently, investing in companies has been there for accredited investors, working with a net worth of upper than $1 million, or earned income exceeding $200,000 leaving a large amount of potential investors for that sidelines.
AXA XL is reportedly the second largest insurer in Europe, also providing risk management and reinsurance services to insurance companies generally. In 2018, the company's net income was reportedly 1 . 5.14 billion euro ($2.42 billion), having fallen by 66 percent from 2009. At the same time, the company's earnings in 2018 rose by three percent, with dividends up by 6 % to 1.34 euro ($1.52) per provide.
Back in 2015, AXA XL revealed its plans to use Bitcoin (BTC) for remittances in order to streamline payments around the planet. At the time, the company stated that many use cases related to Bitcoin had not been explored.
As Cointelegraph reported in February, blockchain security firm and crypto wallet service BitGo announced wants to offer crypto insurance through Lloyd's based in london. BitGo Business Wallet clients will purportedly be able to acquire insurance for their digital assets held on BitGo's Business Wallet service and Custodial offering.
Exchanges and wallets should have sufficient Crime coverage to fully cover their hot wallets (including enough buffer to handle asset price spikes)," Martin added inside his blog post. Indeed, Crime policy covers hot wallet losses as a result of a hack, insider theft, etc, but they also don't cover failures of the underlying currency.
Meanwhile, given a loss of revenue of cold assets is unlikely, Martin suggested this connected with insurance should be provided on a per-customer basis.
Martin also discussed different insurance options. He wrote that most banks use FDIC insurance, covering the consumer loss in case of insolvency, it will do not cover exchange's most likely cause of fund losses coughing. Therefore, while FDIC insurance can be for deposits in fiat, it isn't the only insurance Coinbase offers its customers.
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