卖什么
Bitcoin-denominated life insurance written by a Bermuda BMA-licensed life insurer.
商业模式拆解
买家：谁掌握预算？
未核实Bitcoin holders buying a policy for wealth protection and inheritance, via distribution partners; institutions.
触发点：什么让他们现在购买？
Wanting to leave Bitcoin to beneficiaries without wallet/seed-phrase custody risk, or to borrow against BTC without selling (loan up to 90% of policy value).
工作流：什么输入变成什么输出？
Pay premiums in BTC; premiums grow inside the policy at a guaranteed locked-in BTC rate; full death benefit from first premium; optional BTC loan; at payout Meanwhile transfers the fixed Bitcoin amount to beneficiaries.
经济账：省了什么，怎么收费？
未核实Life insurer earning premiums and investment spread; holds reserves in Bitcoin.
渠道：怎么接触到客户？
Distribution partners and BTC Life Partners program plus direct get started flow.
融资历史与报道
| 融资日期 | 轮次 | 金额 | 投资方 | 来源 |
|---|---|---|---|---|
| 2026-10-08 | — | $37.5M | Sam Altman (backer) | news.google.com |
| 2026-10-08 | — | USD37.5M | — | news.google.com |
档案汇总自公开报道和公司官网。商业模式部分是 MaxBC 对这些材料的解读，不是已确认的事实；未知之处留空，不作猜测。 更新于 2026-10-17.