Collaborative and Parametric Insurance on the Ethereum Blockchain

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<dc:creator> Goffard, Pierre-Olivier</dc:creator>
<dc:creator>Loisel, Stéphane</dc:creator>
<dc:creator>International Actuarial Association</dc:creator>
<dc:date>2026-01-15</dc:date>
<dc:description xml:lang="es">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 concept</dc:description>
<dc:identifier>https://documentacion.fundacionmapfre.org/documentacion/publico/es/bib/189427.do</dc:identifier>
<dc:language>eng</dc:language>
<dc:rights xml:lang="es">InC - http://rightsstatements.org/vocab/InC/1.0/</dc:rights>
<dc:subject xml:lang="es">Blockchain</dc:subject>
<dc:subject xml:lang="es">Contratos inteligentes</dc:subject>
<dc:subject xml:lang="es">Tecnología aplicada</dc:subject>
<dc:subject xml:lang="es">Finanzas comunitarias</dc:subject>
<dc:subject xml:lang="es">Modelo estocástico</dc:subject>
<dc:subject xml:lang="es">Seguros paramétricos</dc:subject>
<dc:subject xml:lang="es">Matemática del seguro</dc:subject>
<dc:subject xml:lang="es">Modelos matemáticos</dc:subject>
<dc:subject xml:lang="es">Cálculo actuarial</dc:subject>
<dc:type xml:lang="es">Artículos y capítulos</dc:type>
<dc:title xml:lang="es">Collaborative and Parametric Insurance on the Ethereum Blockchain</dc:title>
<dc:relation xml:lang="es">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 - 153</dc:relation>
</rdf:Description>
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