Centro de Documentacion de Fundación MAPFRE

Notas: Sumario: This article presents a blockchain-based insurance model that combines parametric coverage with collaborative risk sharing. A pool of investors, called surplus providers, commits funds to a smart contract that enables the issuance of parametric insurance policies, which automatically pay out when predefined triggers occur. Collaboration is introduced through tokenization: surplus providers receive tokens representing their share of the surplus and granting governance rights. The smart contract is implemented in Solidity on the Ethereum blockchain and deployed on the Sepolia testnet, while data processing and analysis are performed in Python. The paper also provides open-source code and highlights key research challenges to guide future developments beyond this initial proof of conceptRegistros relacionados: En: Astin bulletin. - Belgium : ASTIN and AFIR Sections of the International Actuarial Association = ISSN 0515-0361. - 19/01/2026 Volume 56 Issue 1 - January 2026 , p. 127 - 153Materia / lugar / evento: Blockchain Contratos inteligentes Tecnología aplicada Finanzas comunitarias Modelo estocástico Seguros paramétricos Matemática del seguro Modelos matemáticos Cálculo actuarial Otros autores: Loisel, Stéphane
International Actuarial Association
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Collaborative and Parametric Insurance on the Ethereum Blockchain