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BTC Meanwhile, a Bitcoin life insurance company backed by Sam Altman, completes a new round of financing
Meanwhile, a Bitcoin life insurance startup backed by Sam Altman, recently announced that it has completed a new round of financing of US$37.5 million led by Bain Capital Crypto. This financing brought the company's cumulative financing amount to exceed US$180 million. As its business expands into international markets, Meanwhile is accelerating the deployment of its bitcoin-denominated insurance services.
Financing details and market background
Meanwhile announced the financing, which was led by existing investors, on October 8, with Bain Capital Crypto continuing to serve as the lead investor. Also participating in this round of investment include Haun Ventures, Framework Ventures, Pantera Capital, Apollo, Northwestern Mutual Future Ventures and Morgan Creek Digital.
This financing follows previous rounds of investment: in October 2025, the company was jointly led by Bain Capital Crypto and Haun Ventures to complete a US$82 million financing; in April of the same year, it completed a US$40 million Series A financing supported by Framework Ventures and Fulgur Ventures. OpenAI CEO Sam Altman has also been one of the early supporters in seed and follow-up rounds since its inception, although he was not listed as a direct participant in the latest round.
International expansion and product innovation
Meanwhile, meanwhile, has signed up 15 insurance brokers to serve high-net-worth clients, covering Asian, European and Middle Eastern markets, including partners in international financial centers such as Switzerland, Singapore, Hong Kong and the United Arab Emirates.
The core driving force for this expansion comes from market demand. "Brokers are asking us because their clients repeatedly ask how to pass on wealth held through Bitcoin to family members," said Zac Townsend, co-founder and CEO.
To meet this demand, Meanwhile launched "BTC Life 1-Pay", a full-life insurance product for high-net-worth customers outside the United States. The characteristics of this product are:
- Single premium payment: Customers only need to pay one bitcoin as a premium to receive lifetime protection.
- Bitcoin-denominated compensation: Death compensation is guaranteed in a fixed amount in Bitcoin and is not affected by fluctuations in the fiat exchange rate (but the value of the US dollar fluctuates with the Bitcoin market price).
- Cash Value Growth and Lending: Policy value grows in Bitcoin, allowing policyholders to lend up to 90% of the funds based on the policy value after the first year, with no fixed repayment plan or margin call requirements.
- Flexible holding structure: Supports individual, trust or corporate holding and is specifically designed for estate planning and Bitcoin wealth management.
此外，针对美国纳税居民，Meanwhile 还推出了“BTC 10-Pay”产品，允许投保人在十年内分期缴纳保费。
监管合规与财务表现
Meanwhile 通过其在百慕大的子公司 Meanwhile Insurance Bitcoin (Bermuda) Limited 开展业务。2024 年 7 月，该公司在经历了约两年的监管沙盒测试后，获得了百慕大货币管理局（BMA）颁发的 Class IILT 长期保险牌照。根据 BMA 官方记录，该牌照允许公司在授权条件下提供长期保险产品。
在运营层面，Meanwhile 强调其财务储备、资产负债表及审计报告均以比特币计价，客户资产则由受监管的机构托管人保管。这种完全基于加密货币的金融结构旨在为高净值客户提供透明、治理健全且受严格监管的数字资产管理方案。
从财务数据来看，Meanwhile 的业务增长显著。据保险公司披露，2026 年的净长期承保收入已超过 2025 年全年总和，并预计在今年年底前实现翻倍。尽管具体营收和估值未公开，但 Bain Capital Crypto 合伙人 Stefan Cohen 指出，公司对传统保险运营与技术开发的结合，以及 2026 年的优异表现，是其决定追加投资的主要原因。
行业洞察与合作伙伴反馈
合作伙伴对比特币保险的需求持积极态度。Lioner 合伙人 Giorgio Jeni 表示，拥有国际投资的客户越来越关注数字资产在长期财富管理中的整合，透明度、良好的治理和强有力的监管仍是关键考量因素。
Apeiron Group 首席执行官 Justin Man 也指出，高净值客户正处于一个转折点，他们不再仅仅询问如何持有比特币，而是更多地咨询如何围绕比特币进行规划。“我们正迎来一个关键时刻，越来越多的超高净值客户开始寻求将数字资产传承给下一代的方法。”Man 说道。
目前，Meanwhile 尚未披露通过各合作伙伴渠道引入的具体客户数量，但其国际分销网络的建立标志着比特币寿险正在从概念验证走向规模化商业应用。
