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BTC New forces in Bitcoin life insurance: Bain Capital Crypto led the investment of US$37.5 million, and the total financing amount exceeded US$180 million.
Recently,"Meanwhile", a company that provides Bitcoin life insurance services, announced the completion of a new round of financing. The round was led by Bain Capital Crypto, with a financing amount of US$37.5 million. Coupled with previous investments, the company's cumulative total financing has exceeded US$180 million.
This round of new financing is mainly funded by existing investors, including well-known institutions such as Haun Ventures, Framework Ventures, Pantera Capital, Apollo, Northwestern Mutual Future Ventures and Morgan Creek Digital. It is worth mentioning that Sam Altman is also one of the company's supporters.
Financial Data and Asset Allocation
The Bermuda-based company's balance sheet and insurance products are denominated in Bitcoin (BTC). According to audited data released in April this year, as of the end of 2025, the total number of Bitcoin assets held by Meanwhile reached 1,183, which is more than five times that of the previous year. Among them, the company's legal capital and excess assets are 759 bitcoins respectively.
Looking back on the recent financing process, the company completed an investment round of US$82 million in October 2025, and completed another round of US$40 million in April of the same year.
Product Features and Target Customers
Meanwhile推出的“BTC Life 1-Pay”产品主要面向美国以外的高净值人群。保单持有人需以一次性支付比特币的方式缴纳保费，身故赔偿金额也以比特币计算。在保单生效的第一年后，持有人可以借出相当于保单价值90%的金额。公司声明，此类贷款没有固定的还款计划，也不会触发追加保证金通知（Margin Calls）。
自该产品推出以来，公司已与新加坡、中国香港、阿联酋和瑞士等地的15家服务于富裕家庭的保险经纪公司达成合作。
合规性与风险提示
早在2024年，Meanwhile便获得了百慕大金融管理局颁发的保险牌照。官方表示，保单持有人的资产均存放在受监管的机构托管方手中。
该商业模式旨在让比特币持有者在不出售资产的前提下，进行遗产规划和长期财富管理。然而，由于抵押品为比特币，其相对于法币的价值可能产生大幅波动。因此，该产品与传统人寿保险相比，存在不同的风险特征。
