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                                            Etherisc - Decentralized Insurance(function (w, d, s, l, i) {
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    };HomeWhy etheriscDownloadsOur teamFAQBlogContact usTGE RegistrationAsset 22Decentralized insuranceTGE registration is now openFLIGHT DELAY DAPP

    The Flight Delay Dapp is the first decentralized insurance application which can issue policies and pay out valid claims completely autonomously


    We demonstrate a social security model implemented in a decentralized application on the Ethereum blockchain. This is a lightweight and highly efficient approach to social insurance which is affordable and accessible for anyone. The model is designed to provide basic coverage for rare, disastrous life events such as death or heavy illness. You can think of it as a first, immediate emergency payment which helps to get through critical times.


    With the Crop Insurance Application, you can select your crop product and the location of your field and apply for a policy by sending Ether to a DAPP (aka "smart contract"). In case of a drought or flood, you get an automated, instant payout.

    Try DemoPreviousNextTGE RegistrationStart registrationDecentralized InsuranceEfficiency and automationSmart contract technology enables end-to-end automation of payments, efficient risk model estimation, and semi-automated claims processing, thus substantially lowering operating costs.Access for Insurance CustomersLower costs enable insurance solutions for developing markets, low-income businesses, and new product verticals which have been previously unable to obtain insurance. For example, crop insurance for rural farmers in developing countries is an underserved market and a good candidate for further exploration.Access for Insurance InvestorsDigital assets on blockchains create opportunities to structure exposure to insurance products for a much broader range of investors.TransparencyOn most blockchains, transparency is a platform-level feature. All data in a smart contract based system is publicly auditable and can be freely analyzed by third parties. Etherisc will also provide a user friendly, comprehensive frontend displaying the key performance indicators of the system.Why EtheriscBuild decentralized insurance applicationsMake the purchase and sale of insurance more efficientEnable lower operational costsIncrease transparency and fairness of insuranceDownloadsWhat is Etherisc

    Etherisc is building a platform for decentralized insurance, plain and simple. But we also understand it is not so straightforward to grasp the various elements that go into making Etherisc. Read this 17-page paper outlining our vision and summarizing what Etherisc is.

    DownloadWhite paper

    Etherisc's mission is to build decentralized insurance applications, making the purchase and sale of insurance more efficient, enabling lower operational costs, increase transparency of insurance compared to traditional operations, and democratize access to reinsurance investments.

    More details can be found in our whitepaper. Translations are available in Korean and Chinese.

    EnglishKoreanChineseToken mechanics

    In the "Token mechanics" document we present a token model for a decentralized insurance platform. Together with a consumer-facing insurance application, this shows how a decentralized insurance system could work on the blockchain.

    DownloadWhite paper 2016

    A decentralized insurance and reinsurance marketplace.

    DownloadOur TeamCore teamChristoph MussenbrockCo-founder, Protocol & ArchitectureChristoph Mussenbrock

    Christoph has a long record of accomplishment in the cooperative banking sector in Germany.

    After several years on the board of a cooperative bank, he switched to the IT segment and became Chief Program Manager Credit Solutions and Chief of Strategy Development at Fiducia & GAD IT AG – one of Germany’s biggest IT Service Providers. Since 2015, he has been CEO of parcIT GmbH, one of Germany’s best-known companies specialized in risk management solutions.

    Due to his many years of working in the field of banking and insurance, Christoph is highly experienced in all matters concerning regulatory frameworks. He also co-founded Progeno Wohnungsgenossenschaft eG, a housing cooperative in Munich, which has successfully crowdfunded a large residential project in Munich.

    Christoph has a master’s degree in mathematics and wrote his thesis on formal soft- and hardware verification.

    tw_ourteamblueinStephan KarpischekCo-founder, Ecosystem & CommunityStephan Karpischek

    Stephan is digital strategist at disrupt consulting and has more than 20 years experience in IT businesses. He advises finance and telecom enterprises on digital strategy. In 2015 he was part of the of the UBS crypto 2.0 innovation lab at Level39 in London. Stephan has been working on digital currencies since 2008 and likes to play with blockchains.

    tw_ourteamblueinRenat KhasanshynCo-Founder, Insurance Products & RevenueRenat Khasanshyn

    Before joining Etherisc, Renat was Venture Partner at Runa Capital and CEO of Altoros. Most recently Renat led inception of insurance practice at Altoros together with its key customers Allianz, Allstate and Liberty Mutual, focusing on canonical use cases of blockchain, - fronting, reinsurance and insurance securitization (catastrophe bonds). Renat co-founded Altoros, a 250+ employee strong software and research laboratory in the area of distributed databases, container orchestration & developer marketplaces.

    Renat began his career in 2001 as a software engineer at a regulated insurance intermediary in Tampa, Florida. Using Perl/CGI/LAMP, he built one of the first online distribution portals in the insurance industry. Real-time quoting, payment and policy issuance gave uninsured consumers in the US same-day access to a network of 30,000 doctors. In 2007 Renat co-authored Apatar, - GPL-licensed, 100% open source data integration tool, and co-founded Belarusian Java User Group. Renat studied Engineering at Belarusian National Technical University.

    tw_ourteamblueinMarie-Luise MeinholdInsurance specialistMarie-LuiseMeinhold

    Dr. Marie-Luise Meinhold is social entrepreneuse with ten years of experience as a specialist and manager for a global insurance company. With her knowledge of insurance companies, product development, claims management and sales she founded Versicherung, which is attended by leading heads for Sustainable Entrepreneurship, Insurtech, Sales and Communication. Marie is the first woman in Germany to found an insurance company. She has a clear vision: to build an insurance that will bring about positive change with every pulse stroke - for the customers and for the planet.

    inJulia LangePress relations, Management assistantJulia Lange

    Julia Lange, born in 1976 in Barcelona, comes originally from the film branch. After her Master at the Munich film college, Julia worked as a screenwriter, editor and production coordinator for many years as well as in the area of Press work and public relations. Till this day she acts as a free author - preferentially in the area of Cabaret and comedy. Since July, 2017 she supports ETHERISC as a Office Manager.

    inFelizitas Mussenbrock-StraußCFO & Human ResourcesFelizitas Mussenbrock-Strauß

    Felizitas Mussenbrock-Strauß was born 1968 in Aachen. After completing her apprenticeship as a tax consultant, she gained 13 years of experience in a tax law firm. Soon she took over a responsible position in senior management. In addition, she completed a training as a HR specialist. Afterwards, she joined an IT and media start-up as CFO. Together with Christoh and some friends, Felizitas founded Progeno Housing Cooperative in Munich, which has successfully crowdfunded a larger appartment complex. As a community manager, she is responsible for the members of the cooperative and for communication and organization. Since the beginning of 2017, Felizitas has taken care of the financial and human resource management of Etherisc.

    Elena TravkinaDirector of EngineeringElena Travkina

    Elena is responsible for all the aspects of the Etherisc protocol delivery, strategic planning of new products, and product roadmaps. She is building technology expertise to reach cost reduction and customer satisfaction, as well as to create corporate value. Elena organizes the educational process for team members.

    Elena joined the Etherisc team in February 2017. She has recruited and built the team of the most qualified, highly skilled engineers. With her involvement, Etherisc successfully launched the Flight Delay DApp.

    Elena has 13+ years of industry experience with a focus on open-source technologies, distributed software, and IoT. She has worked in several solutions for the insurance industry leveraging blockchain. Elena spoke at large conferences on IoT and related topics. She managed several user groups (e.g., Belarus Ruby User Group) and meetups in technology-related areas. Elena also has a solid background in implementing lean startup principles and managing big development teams. Knowledgeable about strategic and organizational leadership, she organizes and improves the engineering process at Etherisc.

    inKostya AndryanauLead Blockchain Engineer for Smart ContractsKostya Andryanau

    Experienced in the Solidity programming language, design principles of smart contracts, and security of DApps, Kostya is responsible for building the core of the Etherisc protocol and the insurance products templates.

    He joined the team in February 2017 and built the core of the Flight Delay smart contracts. Kostya set up and configured continuous integration and continuous delivery for Etherisc DApps.

    He started his career in the IT industry as a student, working with UI for web and mobile applications. For now, he can boast of 7+ years experience and a profound knowledge of both front- and back-end technologies. His specialization in JavaScript web development led him to Solidity programming. Skills under his belt include Truffle, web3.js, ReactJS, Vue.JS, AngularJS, Node.js, TypeScript, PostgreSQL, MongoDB, etc. One of the key Kostya’s interests is decentralized economy.

    tw_ourteamblueEugene MelnikovBlockchain Engineer for Smart ContractsEugene Melnikov

    Eugene has helped Etherisc in implementing monitoring solutions for the on-chain part of the Etherisc protocol.

    He brings to Etherisc a solid background in the Solidity programming language, web development technologies and tools, such as Node.js, React.js, and Vue.js. His experience in implementation data feeds/oracles makes him a key member of the team.

    Eugene started his career more than 10 years ago with open-source programming languages, such as PHP and Ruby. Apart from his deep knowledge in the Ruby language, he can also boast of strong expertise in HTML5, CSS3, JavaScript, Node.js, and other web-specific languages. Eugene easily operates such frameworks as Ruby on Rails, AngularJS, and ReactJS, as well as such tools for automated testing as RSpec, Jasmine, and Capybara.Eugene is also good at designing and implementing database architectures. He actively uses such storages as Postgres, MongoDB, and Redis.

    Eugene successfully integrates cutting-edge practices and emerging trends across various fields of software development to build scalable, resilient, and geo-diverse infrastructures. He has also written a number of unique articles and tutorials on using Ruby and IoT technologies.

    tw_ourteamblueinTatyana KurinskayaEngineer in TestTatyana Kurinskaya

    In this role, Tatyana is responsible for testing strategy preparation, test plan development, test case creation, test execution, and bug tracking of blockchain-based solutions. Her experience with functional testing of blockchain solutions makes her one of the most valuable team members.

    Joining the team just before the launch of Flight Delay DApp, Tatyana helped to made the application production-ready.

    With 9+ year of experience as a QA engineer in the IT industry, Tatyana performed a wide range of tasks from a setup of test environments to performance, scalability, and stress testing (with HP Loadrunner, Apache JMeter). As part of the RightScale team, she participated in integration of Google Cloud, Rackspace, Microsoft Azure into the RightScale platform. In addition, Tatyana leads blockchain trainings for QA Engineers.

    inAlexey LekontsevSecurity Infrastructure EngineerAlexey Lekontsev

    In this role, Alexey is responsible for auditing security of the Etherisc infrastructure (on-chain and off-chain parts). Having joined the team in 2017, he built a number of monitoring solutions for the Etherisc off-chain infrastructure.

    Alexey’s experience in IT industry is 19+ years. Having worked more than 6 years in the banking sector, he is familiar with all the aspects of secure infrastructure implementation. Alexey is an expert in cloud computing services, including cloud automation, cloud migration, and 24/7 cloud managed services.

    inAndrei KurochkinUI/UX Designer of Insurance ProductsAndrei Kurochkin

    Andrei is highly adept at designing both web and mobile interfaces and delivering logos, icons, and other GUI elements. At Etherisc, he builds intuitive and functional user interfaces for DApps and creates UX for the Etherisc protocol users.

    Andrei has 5+ years of experience in web design and 10+ years in graphic illustration design. He can boast of strong expertise in Adobe Illustrator, Adobe Photoshop, Adobe InDesign, SketchUp, and Cinema 4D. Andrei also has hands-on experience in working with such modelling tools as Axure, InVision, and Balsamiq. In addition,he is familiar with CSS and HTML coding. With the competencies and knowledge under his belt, Andrei is easily transforming high-level requirements into intuitive and functional user interfaces. He can efficiently cope with any stage of visual design—from conceptualization to final hand-off to engineering.

    Natalia UseniaCommunity and Ecosystem ManagerNatalia Usenia

    In this role, Natalia is responsible for keeping track of community interest in blockchain and cryptography.

    She organized the first ever decentralized insurance developer conference (#D1Conf) for Etherisc and gathered together 100+ crypto enthusiasts in insurance. Natalia manages 20+ blockchain communities in the USA and Europe. So far, Natalia has organized 50+ blockchain meetups.

    tw_ourteamblueinVera ReutCommunity and Ecosystem AnalystVera Reut

    Vera is responsible for growing tech communities and managing corporate presence at industry conferences and tradeshows. As part of Etherisc, she organized the first ever decentralized insurance developer conference (#D1Conf).

    tw_ourteamblueinValentina PashentsevaDeveloper Content and Thought LeadershipValentina Pashentseva

    In this role, Valentina handles Etherisc's online social media presence and increases brand awareness. During the first ever decentralized insurance developer conference (#D1Conf), she ensured a prominent coverage of the event in social media. Valentina is experienced in Google AdWords, market research, digital advertising, management, and customer service.

    tw_ourteamblueinSiarhei SymanovichDevOps EngineerSiarhei Symanovich

    At Etherisc, Siarhei is responsible for creating a robust infrastructure required by the organization's blockchain solutions. Starting June 2017, he is maintaining Etherisc’s off-chain infrastructure. Siarhei has solid background in Linux, as well as in maintenance, troubleshooting, performance tuning, and virtualization/cloud platforms—mostly AWS.

    inMichiel BerendeInclusive Insurance LeadMichiel Berende

    Michiel Berende started his career as an underwriter and process manager for a Dutch insurer. In this role he got involved in microinsurance when he visited India in 2004. In India he supported DHAN Foundation in their search for insurance technology. Working at the grassroots inspired Michiel to resign his corporate job and go live and work in India. There he worked at the Tata - Dhan Academy where he established a knowledge centre for microinsurance. In 2006 Michiel became a member of the Consultative Group to Assist the Poor’s Working Group on Microinsurance, nowadays called the Microinsurance Network. Focussing on inclusive insurance and technology. He conducted projects in Asia, Latin America and Africa.

    Since 2014 Michiel aims to enhance access to financial services through blockchain technology.

    inExtended teamIlya DrabeniaResearcher of Risk Models and Full-Stack DeveloperIlya Drabenia

    Ilya joined Etherisc at the end of 2017, specializing in full-stack DApps development along with smart contracts auditing and oracles. He is profoundly knowledgeable in machine learning technologies. For now, Ilya’s unique experience is employed in building risk models and pricing engines for Etherisc.

    Ilya is passionate about creating and contributing to useful tools for the blockchain developers ecosystem. For instance, Solhint—an advanced linter for Solidity that helps to improve code quality by enforcing rules for style, composition and security, making code safer and easier to read and review. He is an active member of the Linux and Java communities, as well as a contributor for a number of blockchain projects. Ilya has an extensive expertise in single-page front-end and enterprise application development, where he specializes in high-load and low-latency back ends and domain specific languages.

    With 10+ years of experience in programming, Ilya has a wide range of technologies under his belt: Java, JavaScript, Python, Groovy, TensorFlow, Scikit-learn, OpenCV, Spring, Hibernate, Apache Camel, AngularJS, Backbone, Require.js, Google Protocol Buffers, JBoss Netty, MySQL, MongoDB, Apache Cassandra, Apache HBase, Hazelcast, Grunt.js, Gulp, Node.js, Bower, Ant, Maven, Gradle, Liquibase, SCSS, and LESS. His strong IaaS background makes him a true virtuoso in cloud-native development. Perfectly familiar with such a PaaS as Cloud Foundry, he can easily get a web application deployed and running. Illya can boast of expert knowledge in adopting cloud services, a microservices-based architecture, and utilizing the 12-factor app principles.

    inAlexey KolesnikFull-Stack EngineerAlexey Kolesnik

    With experience in AngularJS, Backbone.js, Bootstrap, Canvas, Ember.js, Grunt, Gulp, SVG, Node.js, Alexey’s specializing in building developer templates for the Etherisc protocol.

    Having joined Etherisc in 2017, Alexey builds APIs for DApps. He has been working in IT for 5+ years and has an extensive background in open-source software development. Alexey is focusing on highly secure, multifunctional systems, including blogs, event registration tools, newsletters distribution services, multimedia portals, billing and traffic monitoring applications, etc.

    Alex KhizhniakDeveloper Marketing ManagerAlex Khizhniak

    In this capacity, Alex is responsible for keeping up with the latest trends in the decentralized economy. He has experience as a journalist, an editor, an IT blogger, a tech writer, and a meetup organizer. The articles he had created (or helped to publish) reached out to nearly one million tech-savvy readers. Some of the pieces were covered at TechRepublic, ebizQ, NetworkWorld, DZone, etc.

    tw_ourteamblueinAlexey MatskevichFull-Stack EngineerAlexey Matskevich

    Experienced in Node.js and Ruby, Alexey is responsible for developing DApps and APIs. Having joined the Etherisc team recently, he has wide experience in Ruby and Node.js programming, building comprehensive APIs and analytical tools.

    One of such tools allows to make predictions about the Bitcoin price fluctuation. It includes 20+ algorithms, employing the theory of probability, prediction of random variables, and math statistics. Alexey also contributes to other blockchain projects, such as the Web3 Ruby gem client for Ethereum.

    inSaul HudsonBlockchain Communications SpecialistSaul Hudson

    Saul Hudson has 20 years’ experience in communications leadership roles. He is a blockchain communications specialist, supporting researchers, startups and fund-raising campaigns.

    A former newsman who reported from all around the world, Saul was the General Manager of the Americas for Reuters News, where he ran operations for hundreds of journalists.

    intw_ourteamblueAdvisorsRon BernsteinAdvisorRon Bernstein

    Ron is the CEO of AugmentPartners Limited, a private software development company focused on decentralized trading dApps, market liquidity, and blockchain data management. Ron is also an early advisor to the Augur Project -- a decentralized Prediction Market built on the Ethereum blockchain.

    Previously, Ron founded and Intrade was the world's most popular (centralized) Prediction Market from 2007 until 2012.

    Prior to focusing his attention of crypto assets, Ron traded commodity options and derivatives for more than 25 Years on the trading floors in NYC and London.

    tw_ourteamblueinRalf GlabischnigAdvisorRalf Glabischnig

    Entrepreneurs. Invested. Involved. This is the core mindset that Ralf embodies as Co-Founder of Lakeside Partners, a leading early-stage investment company in Crypto Valley. With 20 years of experience as a business- and IT-consultant and in his role as Managing Partner at inacta AG, a major Swiss Information Management solution provider, he possesses extensive expertise in transforming the insurance industry, as well as a diverse entrepreneurial background stemming from several ventures and advisory board positions. Ralf brings a passion for innovation and first-hand knowledge of the Swiss business landscape in his role as strategic advisor to the Etherisc project.

    tw_ourteamblueinJake BrukhmanAdvisorJake Brukhman

    Jake is Co-Founder and Managing Partner at CoinFund LLC, a blockchain advisory company and a cryptofund operating since July of 2015. Jake has 9 years of experience in pure and financial technology, a background in computer science and mathematics, and an avid interest in blockchain and financial technology. He is co-author on multiple blockchain whitepapers including Etherisc, Kin, Sweetbridge, and others. Previously, Jake was Partner & CTO at Triton Research, a technical product manager and engineer at, and spent five years as a financial technologist at Highbridge Capital Management and as a quantitative researcher at Kohera.

    tw_ourteamblueinWilliam MougayarAdvisorWilliam Mougayar

    William is a Toronto-based investor, researcher, blogger, and author of The Business Blockchain (Wiley, 2016). He is a direct participant in the crypto-technology market, currently on the Board of Directors of OB1, the OpenBazaar open source protocol that is pioneering decentralized peer-to-peer commerce, a former Board Advisor to the Ethereum Foundation, board member at Stratumn, a member of OMERS Ventures Board of Advisors, an Advisory Board member to the Coin Center, Bloq and other leading blockchain organizations. He blogs regularly about the present and future of blockchains at Startup Management.

    tw_ourteamblueinTobias NoackAdvisorTobias Noack

    Tobias has been insurance broker since 1991. At ATS Insurance Brokers he held power of attorney and shareholder roles, until the company was acquired by Aon Risk Solutions (ARS) in 2004. Tobias was regional manager for ARS Berlin (Germany East) and held key accounting and sales roles. He has been member of the ARS Operational Board and in a special projects role since 2016.

    inDaniel ZakrissonAdvisorDanielZakrisson

    Daniel Zakrisson is a co-founder of, where he is responsible for global strategy and research on the distributed economy. is building the protocol for startup funding, providing blockchain startups with state of the art assistance and funding. Today, is rapidly growing with operations in London, Stockholm, Ljubljana and Amsterdam.

    tw_ourteamblueinPartnersEYPartnerEYMMEPartnerMMEInactaPartnerInactaLakesidePartnerLakesideCofound.itPartnerCofound.itAltorosPartnerAltorosSubscribe for Updates

    Stay up to date with the latest Etherisc news on development, roadmap, team and funding.

    (function ($) { window.fnames = new Array(); window.ftypes = new Array(); fnames[0] = 'EMAIL'; ftypes[0] = 'email'; }(jQuery));var $mcj = jQuery.noConflict(true);FAQWhat is a TGE?

    TGE stands for “Token Generating Event”. We prefer using this term over “ICO” or “token sale”. During the Etherisc DIP TGE, DIP tokens will be created on the public Ethereum mainnet.

    When is the TGE?

    The start date of the DIP TGE is not yet defined, we currently expect to start in the first week of April. Look out for the updates at Etherisc blog and twitter, join the community discussion on Telegram and subscribe to our newsletter.

    What is DIP?

    DIP stands for the Decentralized Insurance Protocol and also for Decentralized Insurance Platform. The DIP ​token​ ​is​ ​a protocol token and an​ ​integral​ ​part​ ​of​ ​the Decentralized​ ​Insurance​ ​Platform. You can read more about the DIP token, the protocol and the platform in the Etherisc 2017 whitepaper.

    Why do I need to register for the TGE?

    With insurance we are entering a highly regulated business area, and we want to make very sure that we fully comply with Know-Your-Customer (KYC) and Anti-Money-Laundering (AML) requirements.

    How can I register for TGE?

    You can start the registration process at When you start the registration process, you will be asked to read and agree to the TGE terms and conditions and accept the privacy policy. You also need to provide an Ethereum address. After providing an Ethereum address you will be asked to identify yourself and go through Know-Your-Customer (KYC) and Anti-Money-Laundering (AML) procedure.

    What is KYC and AML? How does it work?

    With insurance, we are entering a highly regulated business area, and we want to make very sure that we fully comply with the recently published Swiss ICO guidelines and in particular with Know-Your-Customer (KYC) and Anti-Money-Laundering (AML) requirements.

    We will use two service providers, IDnow GmbH in Germany to identify individual contributors, and Swiss based KYC Spider AG and to check compliance with AML regulations. In the IDnow process you will show identification documents to a human agent and verify their authenticity in a video call. The call should take you about 3 minutes. You will receive an email notification as soon as the identification process and all checks are successfully passed.

    Please note that IDnow works only for individuals, natural persons. If you want to contribute as a legal entity, please contact our support team per email: [email protected].

    Please note that only Ethereum addresses from contributors who successfully pass KYC and AML will be whitelisted, and only ETH transactions from whitelisted addresses will be accepted in the TGE

    Does everyone need to go through KYC?

    Yes, all participants in the DIP TGE need to register and identify themselves.

    What should I have in place before the registration process?

    The registration and identification process includes showing your identification documents to a human agent during a video call. So, please prepare in advance:

    Ethereum addressID documentGoogle Chrome or mobile app withAccess to camera/microphone on your computer / mobile phoneStable Internet connection for at least 10 minutes.How can I register if I represent a legal entity?

    You can start the registration process at When prompted, send a support request to our team with the information on the planned amount and the entity to contribute. We have different KYC/AML processes for individuals and legal entities.

    I am from the USA, can I participate in the TGE?

    Only Accredited Investors are allowed on a limited basis and subject to minimum amount of contribution in TGE.

    Who is an Accredited investor?

    Accredited Investors is a term used by the US SEC. In the United States, to be qualified as an accredited investor, one must have a net worth of at least $1,000,000, excluding the value of one's primary residence, or have income at least $200,000 each year for the last two years (or $300,000 combined income if married) and have the expectation to make the same amount this year.

    Where do I get my Ethereum address?

    Ethereum address is a public wallet address. If you are using Metamask plugin Ethereum address can be found as Account (it starts with 0x).

    Please make sure that the Ethereum address will be able to receive and transfer tokens. Please don’t register with addresses from exchanges or from smart contracts which can’t move tokens. The standard Ethereum clients and normal wallets holding addresses where you are in control of the private key are fine, e.g. Parity, MyEtherWallet or MyCrypto, Jaxx, to name just a few.

    How do I know that my Ethereum address is able to receive and transfer tokens?

    To make sure that the address you use is able to receive and transfer tokens, don’t register with addresses from exchanges or from smart contracts which can’t move tokens. The standard Ethereum clients and normal wallets holding addresses where you are in control of the private key are fine, e.g. Parity, MyEtherWallet or MyCrypto, Jaxx, to name just a few.

    Can I get a bonus?

    A Bonus is only available for early contributors (ECs) who agree to lock up their tokens for a year after TGE. In addition of the DIP Tokens allocated to them as a result of the TGE, Early Contributors who have signed an Early Contribution Agreement and who have agreed to lock up the allocated DIP Tokens for twelve [12] consecutive months after the TGE shall receive an additional ten [10] % of the already allocated DIP Tokens as a long-term commitment bonus (“Bonus”). In addition, the first Early Contributors who have signed the Early Contribution Agreement up to a total sum of contributions of USD 10 million [USD 10,000,000] (i.e. all the individual Contributions from the first Early Contributors together amount to USD 10 million) and who agree as well to lock up the allocated DIP Tokens for twelve [12] consecutive months after the TGE shall receive an additional fifteen [15] % of the already allocated DIP Tokens as an early commitment bonus (“Additional Bonus”). The Bonus and Additional Bonus amount together to a total of twenty-five [25] % of the DIP Tokens allocated as a result of the TGE. The Bonus and Additional Bonus Tokens will be locked for 12 consecutive months.

    How to become an early contributor (EC)?

    Early contributors are friends, advisors, and larger and institutional contributors who reached out to us asking to support us. Larger contributors in general means amounts higher than USD 100,000. To apply to become an early contributor, you can contact Etherisc directly by sending an email to [email protected].

    It is only possible to become an early contributor no later than one week before TGE date, due to handling reasons. To be an early contributor you need to sign an early contributor agreement which gives you the opportunity to define an individual cap for the whitelisting. ECs can also opt in to lock up tokens for a year for a bonus.

    I think I am an early contributor (EC), what do I have to do?

    If you are already listed as an early contributor, you will receive the Early Contributor Agreement (ECA) by email. We will start sending out ECAs on February 23rd, 2018. If you are among the first to sign the ECA with lockup period and return the signed ECA to us per email you will get an additional bonus (25% total bonus until the total contribution amount in locked of USD 10M). If you do not receive this email or for all other questions please contact the etherisc team by sending an email to [email protected].

    Can I transfer DIP Token to a not registered Ethereum address after TGE?

    After the TGE, we will perform some security checks to ensure that everything went smooth and safe. Then we will unlock the transfer function of the tokens. Token can be transferred to any address, unless you decided to lock up your tokens.

    I am from XYZ country, can I participate in TGE?

    Here is the list of supported countries by our KYC provider. Please check, if your country is on it. If the answer is yes, here are the supported ID documents you can provide during the KYC process.

    If it is not on the list, please first accept our apologies for the inconvenience, and - second - open a ticket with our support team by sending an email to [email protected] to list your country as a candidate to enable in the KYC process as soon as possible.

    This does not guarantee that your country will be added. But we will collect and prioritize countries based on demand, and come back to you when we have a solution for expanding the list of supported countries. We are already working to increase the number of listed countries.

    Why is my country not supported by the KYC provider?

    The KYC process in Germany (where Etherisc is based) and Switzerland (where Etherisc TGE will be held) is highly regulated.

    The regulation authorities do not only require the identification as such, but have established rigid standards for the process. In it, the identification documents (ID) are verified, and at least 3 of the document’s security properties are checked. The verifying agents have specific procedures for every available security property, and three are chosen randomly.

    That means, that for every type of ID, the agents have to know its properties and how to check them. Currently over 60 different IDs are supported with around 300 different security properties. Each checking procedure has to be learned by about a hundred agents, along with appropriate auditing procedures.

    Therefore, the addition of further ID Documents and countries is basically an economic decision for KYC service providers - they simply decide on the foreseeable number of identifications per country. The whole setup is coined for German and Swiss banks and financial services.

    With our TGE, we naturally don't fit particularly well in this setup, because our participants are distributed all over the world. We have been aware of the implications, but because of the legal uncertainties we decided to go a very strict path, at the risk of excluding possible interested participants.

    Due to the new guidelines of the Swiss FINMA we now have more clarity on the obligations. The Decentralized Insurance Foundation will become member of a Swiss self-regulating organization (SRO) for KYC and AML. We are currently exploring if this could give us additional options to do KYC/AML and extend the range of countries which we can admit.

    Contact UsEtherisc GmbHZeller Weg 35aDE-82057 ICKING[email protected]

    Etherisc GmbH provides the TGE registration as a service for the Decentralized Insurance Foundation, Gotthardstr. 26, CH-6300 Zug.

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