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Make Insurance Fair and Accessible
Decentralized insurance protocol to collectively build insurance products.
Crop Insurance
Select your crop and the location of your field. Automated payouts are triggered by drought or flood events reported by government agencies.
Demo video
Demo video
Licensed
Flight Delay Insurance
First decentralized insurance. Payouts are automatic and almost instant. Now fully licensed.
Demo video
Demo video
Licensed
Hurricane Protection
Affordable, accessible protection against risk of death or heavy illness of a community member. Immediate emergency payment which helps to get through critical times.
Designed
Crypto Wallet Insurance
Protection against risk of theft and attacks of hackers on wallet smart contracts. Target coverage - up to $1M.
Designed
Collateral Protection for Crypto-backed Loans
Policy pays up to 100% of the issued loan amount if value of collateral provided by the borrower (i.e. ETH, or tokenized car) drops by 90% or more.
Designed
Social Insurance
Affordable, accessible protection against risk of death or heavy illness of a community member. Immediate emergency payment which helps to get through critical times.
Prototyped
Decentralized Insurance Platform (DIP)
Ecosystem is supported by DIP Foundation and contains product builders, risk pool keepers, resellers, oracles providers, claim adjusters, relayers, and underwriters
Generic Insurance Framework (GIF)
Core smart contracts
(provided by DIP Foundation and partners)
Core microservices
(provided by DIP Foundation and partners)
Application or Product Specific smart contracts
(provided by DIP Foundation and partners)
Application or Product Specific micro services
(provided by DIP Foundation and partners)
Decentralized Insurance Protocol
(DIP Protocol)
Rules and standards of how to interact with GIF, interfaces definitions (includes ERC721, ERC165, and ERC20 standards)
The beginning
founded by Christoph Mussenbrock and Stephan Karpischek
July 28, 2016
Flight Delay DApp
Flight Delay DApp presented at the Ethereum developer conference Devcon2 in Shanghai
September 19, 2016
1st prize
Etherisc wins Blockchain Startup Contest in Graz
November 28, 2016
Whitepaper
Released a first version of our whitepaper for review
December 16, 2016
Blockchain Oscar
Etherisc won the Blockchain Oscar 2017 for most innovative blockchain startup
April 6, 2017
Token Generating Event Finish
45,478,958 DIP tokens were distributed to 280 contributors
July 23, 2018
GIF release
Generic Insurance Framework is released under a free and open source license
January 24, 2019
BEACON Project Started
EU funded project that couples Earth Observation & blockchain technology, with weather intelligence to deliver cost-efficient and actionable insights for the agri-insurance industry.
February 1, 2019
Crop insurance live
Aon, Oxfam, and Etherisc launch agricultural insurance for farmers in Sri Lanka
July 1, 2019
Chainlink Oracles
Etherisc to Leverage Chainlink Oracles For Decentralized Flight Insurance Product
February 6, 2020
New Legal Model
Etherisc's new legal model approved by German Financial Authority
July 1, 2020
Support from Chainlink
Chainlink makes it possible to start the crop insurance project with ACRE Africa in Kenya
November 14, 2020
Support from Ethereum Foundation
Aya Miyaguchi, highlighted the potential of blockchain technology in the area of inclusive finance
December 14, 2020
Support from Mercy Corps Ventures
Mercy Corps Ventures joined Chainlink and Ethereum Foundation to support ACRE Africa crop insurance initiative
January 15, 2021
Grant Announcement
Etherisc launches 50 Million DIP Token Grant Program
February 8, 2021
MVP for crop insurance in Kenya ready
The initiative aims to provide 250,000 farmers in East Africa with insurance coverage, who will be able to pay the insurance premiums in small installments as low as $50 cents.
April 1, 2021
Support from CLI and SDC
Climate Ledger Initiative and Swiss Agency for Development and Cooperation join the Acre Africa project
May 17, 2021
First Payouts to farmers
The first payments have been processed directly through the system designed and built by Etherisc in tandem with ACRE Africa and are visible on-chain.
July 14, 2021
Community Supported Insurance (Saxony)
Start of the CSI Project in Saxony
August 31, 2021
Introducing the GIF Monitor
A Visualization of the GIF. Allows all actors to develop and deploy their own products on our platform.
September 1, 2021
Rapid Development Platform
Meteor-Kitchen will enable to build new Insurance Products extremely fast
October 1, 2021
FlightDelay protection live
A blockchain-based flight delay protection product that autonomously issue policies and execute payouts for travelers who experience flight delays or cancellations.
January 20, 2022
Co-Grant Announcement
Etherisc and Chainlink launch a joint grant program to support the development and accelerate the adoption of data-driven decentralized insurance products.
March 11, 2022
Lemonade Crypto Climate Coalition
Etherisc becomes founding member of Lemonade Crypto Climate Coalition
March 22, 2022
July 28, 2016
The beginning
founded by Christoph Mussenbrock and Stephan Karpischek
September 19, 2016
Flight Delay DApp
Flight Delay DApp presented at the Ethereum developer conference Devcon2 in Shanghai
November 28, 2016
1st prize
Etherisc wins Blockchain Startup Contest in Graz
December 16, 2016
Whitepaper
Released a first version of our whitepaper for review
April 6, 2017
Blockchain Oscar
Etherisc won the Blockchain Oscar 2017 for most innovative blockchain startup
July 23, 2018
Token Generating Event Finish
45,478,958 DIP tokens were distributed to 280 contributors
January 24, 2019
GIF release
Generic Insurance Framework is released under a free and open source license
February 1, 2019
BEACON Project Started
EU funded project that couples Earth Observation & blockchain technology, with weather intelligence to deliver cost-efficient and actionable insights for the agri-insurance industry.
July 1, 2019
Crop insurance live
Aon, Oxfam, and Etherisc launch agricultural insurance for farmers in Sri Lanka
July 1, 2020
New Legal Model
Etherisc's new legal model approved by German Financial Authority
February 6, 2020
Chainlink Oracles
Etherisc to Leverage Chainlink Oracles For Decentralized Flight Insurance Product
November 14, 2020
Support from Chainlink
Chainlink makes it possible to start the crop insurance project with ACRE Africa in Kenya
December 14, 2020
Support from Ethereum Foundation
Aya Miyaguchi, highlighted the potential of blockchain technology in the area of inclusive finance
January 15, 2021
Support from Mercy Corps Ventures
Mercy Corps Ventures joined Chainlink and Ethereum Foundation to support ACRE Africa crop insurance initiative
February 8, 2021
Grant Announcement
Etherisc launches 50 Million DIP Token Grant Program
April 1, 2021
MVP for crop insurance in Kenya ready
The initiative aims to provide 250,000 farmers in East Africa with insurance coverage, who will be able to pay the insurance premiums in small installments as low as $50 cents.
May 17, 2021
Support from CLI and SDC
Climate Ledger Initiative and Swiss Agency for Development and Cooperation join the Acre Africa project
July 14, 2021
First Payouts to farmers
The first payments have been processed directly through the system designed and built by Etherisc in tandem with ACRE Africa and are visible on-chain.
August 31, 2021
Community Supported Insurance (Saxony)
Start of the CSI Project in Saxony
September 1, 2021
Introducing the GIF Monitor
A Visualization of the GIF. Allows all actors to develop and deploy their own products on our platform.
October 1, 2021
Rapid Development Platform
Meteor-Kitchen will enable to build new Insurance Products extremely fast
January 20, 2022
FlightDelay protection live
A blockchain-based flight delay protection product that autonomously issue policies and execute payouts for travelers who experience flight delays or cancellations.
March 11, 2022
Co-Grant Announcement
Etherisc and Chainlink launch a joint grant program to support the development and accelerate the adoption of data-driven decentralized insurance products.
March 22, 2022
Lemonade Crypto Climate Coalition
Etherisc becomes founding member of Lemonade Crypto Climate Coalition
Christoph 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.
Felizitas 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 Christoph 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.
Matthias Zimmerman
My curiosity about innovative technologies and open source keeps me in a constant state of learning. After a PhD and a postdoc in applied machine learning I switched to a more settled lifestyle and worked in technical lead roles for enterprise software product companies over the last 15 years. In the last three years with the architectural responsibility to move a comprehensive insurance software product to a container based platform. While reading "Mastering Bitcoin" in 2016 I got hooked on blockchain technologies and then concentrated on Ethereum. One year later I met Christoph at his talk "Reinventing Insurance" in Zurich. The potential to completely automatize and decentralize many forms of insurances felt very compelling and I started to loosely follow Etherisc on Twitter. Begin able today to work with the creative minds of Etherisc and its community and to contribute to a more open and transparent world makes me feel both happy and excited!
Jan Stockhausen
Jan Stockhausen is a qualified lawyer under German law (Rechtsanwalt). After studying law at the University of Giessen (Germany) and at the London School of Economics, he obtained his bar qualification while working for a magic circle firm. Jan gained in-depth experience in the international financial services industry working for global financial institutions, banks and law firms in various jurisdictions in Europe, Latin America and Asia. Jan is fluent in German, English, Spanish, French and Portuguese and registered with the Düsseldorf Bar Association as well as the Malta Chamber of Advocates.
Michiel 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.
Hui Lin Chiew
Hui Lin drives Etherisc’s decentralised insurance projects in Asia and Africa. She has over 10 years’ experience in financial sector regulations and policy, specialising in developing inclusive insurance markets. Prior to Etherisc, Hui Lin spent 4 years at the Access to Insurance Initiative developing learning toolkits, training programmes and research for emerging market insurance regulators. She started out at the Malaysian central bank and insurance regulator, where a career highlight was designing and rolling out the inclusive insurance regulatory framework (“Perlindungan Tenang”) which brought insurance to over 1 million policyholders.
Peter Koch
After training as a wholesale and foreign trade merchant, Peter worked in the furniture trade in a sales cooperative. After some years he joined Fiducia IT AG (today Atruvia AG), the IT provider for cooperative banks in Germany. From 2000 onwards he completed studies in business administration and bank management and changed to product management, where he was responsible for developing and supporting electronic banking platforms and afterwards for savings deposits. In addition, analysis of market potentials, marketing strategy applications, process optimization were among his main tasks. Peter has moved to Bali in 2013, where he has opened a dive center and works as dive instructor. Peter is excited to be able to make a contribution to a more just and social world together with all the creative minds at Etherisc.
Sebastian Schlitter
Sebastian is yet another addition to our team and will be responsible for the management of the community related topics and ressources. As a Münchner Kindl now based in Saigon, Sebi has a strong operations & logistics background. With his hands-on mentality he will act as the liaison (officer) between etherisc´s departments, the community, partners and shareholders. Sebastian describes himself as a crypto native with an unquenchable thirst to tap into all blockchain and crypto related developments that will eventually shape the future.
Marc Doerflinger
Marc Doerflinger is a Senior Software Engineer who enjoys learning new things and working on (and with) open source software. After finishing his MSc in computer science he worked in the finance industry and developed software for ATMs and web applications. During the last four months he was working for a leading Swiss health insurance software company where he helped develop an insurance ERP platform. Being able to develop open source software, automating things from end to end while being able to dive into the blockchain world sounded intriguing. That's how he came to join Etherisc.
Susanne Austin
Susanne looks after platform/ token economic and our strategic communications. She started her career in marketing, spent several years as a management consultant and then focused on strategy, change, programme and portfolio management in a UK insurance business, including directly supporting the CEO/ Exec. Having spent many years in the end-to-end complexities of "traditional" insurance and financial services, she if really excited about the potential of Etherisc's blockchain technology and working with its creative team and community.
Lydia Mussenbrock
Lydia became part of the Etherisc team in March 2022 and since then has taken on various Project and Product Management responsibilities. This goes hand in hand with her Bachelor's degree in Business Informatics, which she is currently studying. The skills she learned during her studies in the fields of software engineering, management and organization, design and marketing find excellent application at Etherisc.
Damian Groß
Damian has recently joined the Etherisc team and takes over product management tasks. He has hands-on experience in marketing, product development, and design. Damian brings along experience in designing web interfaces, creating logos, icons and other GUI elements. He has expertise in Adobe Illustrator, Adobe Animate, Adobe Photoshop, Figma, and Vyond Studios. Damian will support the Etherisc team from conceptualization to implementation.
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.