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BTC 同时：一家完全基于比特币运营的百慕大寿险公司完成3750万美元融资，总融资额突破1.8亿美元
与此同时，一家总部位于百慕大、完全以比特币为核心运营模式的寿险公司“Meanwhile”从现有投资者处获得了3750万美元的资金注入，使其累计融资总额超过1.8亿美元。本轮融资由Bain Capital Crypto领投，Haun Ventures、Framework Ventures、Pantera Capital、Apollo、Northwestern Mutual Future Ventures以及Morgan Creek Digital等机构也参与了投资。
以比特币计价的寿险模式
该公司定位为首家将资产负债表、准备金及经审计的财务报表完全以比特币进行管理的持牌寿险保险公司。在经历两年监管沙盒测试后，Meanwhile于2024年7月获得了百慕大货币管理局颁发的正式运营牌照。所有保单持有人的比特币均存放在受监管的机构托管方手中。
其知名支持者包括OpenAI首席执行官Sam Altman，这反映了机构投资者对以比特币为核心的保险解决方案的持续兴趣。
Meanwhile采取国际化战略，旨在满足海外富裕家庭对基于比特币的财富管理日益增长的需求。该公司表示迎来了创纪录的增长年，主要得益于其在2026年初推出的“BTC Life 1-Pay”政策。
BTC Life 1-Pay政策与国际布局
"BTC Life 1-Pay" is a single-payment life insurance product designed for high net worth customers outside the United States. Under the plan, customers pay a one-time premium in Bitcoin and receive guaranteed death compensation in Bitcoin for the period of the policy validity period. Policy value grows in bitcoin, and after the first year, policy holders can lend out up to 90% of the policy value without setting a repayment schedule and without the risk of margin calls.
Since the launch of the product, Meanwhile has signed contracts with 15 brokerage companies covering major insurance markets such as Singapore, Hong Kong, United Arab Emirates and Switzerland. The company reported that its long-term net underwriting income had exceeded last year's total.
Zac Townsend, co-founder and CEO of Meanwhile, pointed out: "Wealthy households around the world already hold Bitcoin, but they have always lacked a compliant way to pass on those assets."
The company's early "10-Payment Policy" was for U.S. taxpayers, further diversifying its customer base.
Institutional Trends and Wider Adoption
This latest funding round highlights a broader trend to include Bitcoin in mainstream financial planning. As an example of this trend, Delaware Life partnered with BlackRock last year to provide Bitcoin access through fixed index annuities. Such alliances demonstrate that insurance companies are increasingly focusing on combining digital assets with traditional financial instruments.
Mini Dictionary: Meanwhile
Meanwhile is a life insurance provider registered in Bermuda. Its entire business model is based on Bitcoin, holding all reserves and issuing policies denominated in BTC, and claims to be the first insurance company licensed in this way under the supervision of the Bermuda Monetary Authority.
