Decentralized insurance: Dera lomwe limatetezana

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Decentralized insurance: Dera lomwe limatetezana

Decentralized insurance: Dera lomwe limatetezana

Mutu waung'ono mawu
Ukadaulo wa blockchain ndi zinthu zapangitsa inshuwaransi yokhazikitsidwa, pomwe aliyense amalimbikitsidwa kuteteza chuma cha anthu ammudzi.
    • Author:
    • Dzina la wolemba
      Quantumrun Foresight
    • Mwina 12, 2023

    Inshuwaransi yokhazikika imamanga pa mgwirizano, mchitidwe wogawana chuma pakati pa anthu kuti apindule aliyense. Bizinesi yatsopanoyi imagwiritsa ntchito ukadaulo wolumikizirana ndi mafoni monga mafoni a m'manja, blockchain, ndi intaneti ya Zinthu (IoT) kulola ogwiritsa ntchito kusinthanitsa katundu ndi ntchito popanda oyimira pakati okwera mtengo.

    Decentralized insurance context

    Ndondomeko ya inshuwaransi yogawidwa imalola anthu kugawana chuma chawo chosagwiritsidwa ntchito mocheperapo ndikulandila chipukuta misozi. Othandizira amatsutsa kuti pobwerera ku chitsanzo chothandizira anthu ammudzi, inshuwaransi yogawidwa ikhoza kuchepetsa udindo ndi chikoka cha oyimira pakati.

    Chitsanzo choyambirira cha inshuwaransi yokhazikika ndi chithandizo chapaintaneti chomwe chinapangidwa ku China mu 2011. Poyamba idakhazikitsidwa kuti ipereke njira yopezera anthu ambiri odwala khansa. M'malo mongodalira zachifundo zokha, nsanjayi idapereka njira kwa omwe adatenga nawo mbali, makamaka odwala khansa, kuti azithandizirana pazachuma. Membala aliyense wa gulu sanangopereka kuzinthu za ena koma ankalandiranso ndalama kuchokera kwa mamembala ena akafuna. 

    Zosokoneza

    Ndi kuchuluka kutchuka kwa decentralized ndalama (DeFi) ndi blockchain nsanja, decentralized inshuwalansi wakhala kusintha masewera mu machitidwe awa. Mtundu wokhazikika umapanga chilimbikitso pogwira ntchito ndi ogwiritsa ntchito kuti alole zonena kuti ziziyenda molunjika kubizinesi popanda mkhalapakati. Zotsatira zake, makampani amatha kuchotsa mikangano ndi nthawi yomwe amagwiritsidwa ntchito panthawi yofunsira. 

    Omwe ali ndi ma policy omwe amagula chuma cha digito chokhazikika, nawonso, amateteza kutenga nawo gawo pa blockchain. "Ndalama" izi zimachokera ku zomwe zimatchedwa opereka inshuwalansi. Ponena za chuma cha digito, Liquidity Providers (LPs) atha kukhala kampani iliyonse kapena munthu aliyense amene amatseka malikulu awo kukhala dziwe lachiwopsezo ndi ma LPs ena, ndikupereka chidziwitso pamakontrakitala anzeru ndi ziwopsezo za chikwama cha digito komanso kusasinthika kwamitengo. 

    Njirayi imathandizira ogwiritsa ntchito, othandizira polojekiti, ndi osunga ndalama kuti azigwira ntchito limodzi kuti akwaniritse cholinga chimodzi chokhazikika komanso chitetezo. Pomanga dongosolo la inshuwaransi pa unyolo, anthu amatha kugwira ntchito limodzi ndi ena omwe ali ndi zolinga zofanana. Chitsanzo cha omwe amapereka inshuwaransi yokhazikika ndi Nimble pa blockchain ya Algorand. Pofika chaka cha 2022, kampaniyo ikufuna kulimbikitsa aliyense, kuyambira kwa omwe ali ndi malamulo mpaka osunga ndalama ndi akatswiri a inshuwaransi, kuti agwire ntchito limodzi kuti apange maiwe owopsa omwe alinso opindulitsa. 

    Zotsatira za decentralized insurance

    Zokhudza zambiri za inshuwaransi yogawika m'madera zingaphatikizepo: 

    • Makampani ena a inshuwaransi achikhalidwe akusintha kukhala mtundu wokhazikika (kapena wosakanizidwa).
    • Othandizira inshuwaransi yazinthu za digito omwe amapereka inshuwaransi yokhazikika kuzinthu zenizeni zapadziko lonse lapansi monga magalimoto ndi malo.
    • Mapulatifomu a blockchain omwe amapereka inshuwaransi yokhazikika kuti akhalebe ampikisano ndikulimbikitsa mabizinesi ambiri.
    • Maboma ena ogwirizana ndi mabungwe a inshuwaransi omwe ali ndi decentralized inshuwaransi kuti apange inshuwaransi yazaumoyo. 
    • Anthu amawona inshuwaransi yokhazikika ngati nsanja yogwirizira yosunga kuwonekera komanso chilungamo, zomwe zingasinthe zomwe anthu amayembekezera pamakampani a inshuwaransi.

    Mafunso oti muyankhepo

    • Ngati muli ndi ndondomeko ya inshuwaransi yokhazikika, ubwino wake ndi wotani?
    • Mukuganizanso bwanji kuti inshuwaransi yatsopanoyi ingatsutse mabizinesi a inshuwaransi?

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