Provides advanced solutions for insurance risk transfer and mitigation, fostering economic resilience and investment growth. With a strong emphasis on advanced forms of risk mitigation and portfolio investment infrastructure, it specifically supports insurance companies, depository institutions, governments, retirement funds, and other investment portfolio activities.
Insygne™ DeRisk | Insurance Ecosystem is a dynamic and interconnected framework redefining global risk transfer, insurance, and capital solutions. Anchored by IAC™ Marketplace and its specialized IAC™ Insurers, this Ecosystem is designed to leverage groundbreaking innovations, advanced technologies, and a robust governance framework operating under the Investors Guaranty Fund, Ltd. (Policyholder Reserves) Act, 1991 (the IGF Act).
The IGF Act creates a "bankruptcy proof" framework designed to assure that each IAC™ Insurer is fully capable of paying a 100% loss on every policy, including FlexGIA™ issued.
The Ecosystem distinguishes itself through pioneering contributions of IGF Principals, including the invention and global patenting of insurance securitization, which bridged insurance and capital markets, and creation and patenting of FlexGIA™—a risk-mitigating form of floating rate medium term debt, which can be issued in the form of a floating rate medium term note, an annuity or annuity reinsurance. These innovations allow for flexible, scalable, and efficient solutions to emerging financial, funding and risk challenges, having been assigned AAA | Aaa ratings from multiple independent credit rating agencies on policies issued and bonds insured by IAC™ Insurers.
Participants within the Ecosystem include accredited underwriters, recognized broker-dealers, insurance brokers, government-approved custodians, accounting certifiers, and rating agencies, each playing a critical role in ensuring operational integrity, regulatory compliance, and trust.
Unlike traditional systems, Insygne™ Risk | Insurance Ecosystem operates through Digital Infrastructure Utilities (DIUs) which are being integrated into secure nodal mesh networks, or DAOs ("decentralized autonomous organisations") enabling real-time policy issuance, integrated custody, certifications and ratings, as well as long term data persistence, and seamless contract archiving.
By combining advanced risk infrastructure, cutting-edge financial instruments, and a multi-layered participant network, the Insygne™ Risk | Insurance Ecosystem is designed to interoperate with other Initiatives and Ecosystems, setting a new global standard for flexibility, stability, and efficiency in risk and capital management.
Empowering local insurance professionals and clients within each PAOZ to access global risk capital, unique reinsurance capacity, and specialized guarantees through the IAC Marketplace.
The IAC Marketplace Ecosystem is designed to operationalize a globally scalable insurance and financial guarantee framework anchored in Bermuda, leveraging the regulatory infrastructure established under the IGF Act Company ("IAC") structure.
This Ecosystem deploys dedicated IAC Cubes™ in Bermuda—each consisting of an Assurance Company, Insurance Company, and Financial Guarantee Company—initially enabling each U.S. state and each Port Authority Opportunity Zone (PAOZ) to benefit from access to an IAC Cube™.
Each IAC Cube™ is domiciled exclusively in Bermuda and operates under Bermuda law. While the IAC Insurers conduct no direct business outside Bermuda, each Cube is designed to reinsure risk and enhance capital structures originating from a specific PAOZ, state, or international jurisdiction.
This includes:
Reinsurance of structured risk exposures tied to infrastructure, healthcare, municipal bond obligations, and other insurable assets,
Issuance of FlexGIA™ instruments (by the Cube’s Assurance unit) to finance capital obligations arising within a PAOZ, Facilitation of international insurance transactions originating from designated jurisdictions using the globally compliant IAC Cube™ structure and
Alignment with global reinsurers, akin to the Bermuda and Cayman captive insurance models, allowing each Cube access to diversified reinsurance capacity.
In the U.S., implementation is aligned with the O|Zone™ Framework, where each PAOZ corresponds to a multi-county public infrastructure development region. By adopting the NODA model for Regional Development Organizations (RDOs), this structure envisions over 500 PAOZs across the United States.
Each state and each PAOZ may be paired with a bespoke IAC Cube™, resulting in 550+ IAC Cubes™ ultimately formed and operated under Bermuda’s regulatory framework.
Each Cube operates as a segregated and independently governed entity, capable of forming its own DAO and affiliated Components to manage reinsurance, assurance, capital issuance, and digital asset instruments—while interfacing lawfully with international participants via the IAC Marketplace.
This Ecosystem serves as a core deployment mechanism of the INSYGNE Initiative, integrating risk transfer, digital insurance, and sovereign infrastructure development under a privacy-first, entropic framework compatible with the broader Alliance iii.o™ architecture.
The IAC™ Marketplace is considered an Ecosystem, as is each IAC Cube™, as well as each IAC™ Insurer, all within the Insygne Initiative.
A Digital Risk Marketplace
Myriad forms of risk may be bought and sold within the IAC™ Marketplace, each packaged in various forms to optimize the purchaser's objectives and individual situation,
The framework is designed for inclusion within individual as well as managed portfolios, advancing AI into personal risk analytics.
Overview:
The Underwriting Capacity Ecosystem is a central structural component within the INSYGNE Initiative, supporting the creation and distribution of globally scalable risk capital via IAC Cube™ insurers formed under the IGF Act. This framework integrates modern digital instruments, statutory precision, and decentralized intelligence to enable distributed underwriting participation via FlexGIA™ issuance and digitally managed syndicates of Underwriting Members.
Framework Mechanics and FlexGIA™ Role:
The IGF System™ enables an IAC Cube™—a composite of life, indemnity, and financial guarantee insurers domiciled in Bermuda—to issue FlexGIA™ instruments. These are high-quality, short-duration, medium-term, floating rate notes designed to mobilize long-term, risk-aligned capital in support of retained or assumed exposures by the IAC Insurer.
Through the statutory authority granted under the IGF Act (1991)—a purpose-built legislative framework granted Royal Assent by Queen Elizabeth II—these insurers can convert pooled and fragmented insurance exposures into clearly defined Risk Units.
These Risk Units may:
Serve as the foundation for traditional capital market mappings (e.g., bonds, derivatives), as well as
be digitally transacted as digital contingent liabilities—the balance sheet inverse of digital assets.
This separation between legal ownership and contractual risk assumption is one of the key architectural protections enabled by the IGF Act, allowing for consolidated IAC governance without policyholder look-through—except in very limited, statute-defined circumstances.
Role of Underwriting Members (UMs):
Critically, the IGF Act also enables the transfer of risk to Underwriting Members (UMs)—natural persons or organisations designated and recognized by Bermuda’s regulatory regime as part of an “association of underwriters.”
This model shares philosophical lineage with the Lloyd’s Names system, yet leverages digital infrastructure and entitlements technology to:
Fractionalize and atomize risks into “micro-risk units”,
Create dynamic participation pools with diversified exposures,
Allow UMs to engage in scalable, reputation-based underwriting practices.
Each Underwriting Member, as part of the ecosystem, becomes an intentional risk-taker within a legally ring-fenced structure that never permits them to act as policyholders, thereby avoiding nexus triggers or regulatory recharacterization.
Geographic Intelligence and PAOZ Scenarios:
An IAC Cube™ insurer may focus on a specific Port Authority Opportunity Zone (PAOZ) within a U.S. state (for example), though its regulated operations remain exclusively within Bermuda. It does not solicit or transact business outside of Bermuda.
However, Underwriting Members within the PAOZ—being local parties—may voluntarily assume exposure to Risk Units associated with risks arising within their region. These Members may have valuable geographic, operational, cultural, or technological intelligence about:
Local insureds,
Emerging regional risks,
Municipal infrastructure and environmental conditions,
Participants in new economic development clusters.
Such insights may not be visible to global reinsurers, allowing for more precise underwriting decisions. When organized into DAOs of Underwriting Members, this collective becomes a living, dynamic intelligence layer—capable of enhancing pricing, predicting latent risk, and potentially reducing loss volatility across broader syndicates.
This enables not only risk transfer, but also risk discovery and calibration, advancing the core objective of democratizing and atomizing risk globally—as envisioned in the original patented IAC Marketplace design.
Structural Separation and Syndicate Participation:
In this ecosystem framework, each IAC Insurer retains jurisdictional purity under Bermuda regulation, with all policy issuance and reserve management occurring in Bermuda.
UM participation in risk is facilitated through:
Segregated portfolios,
Transparent, auditable smart contract logic,
DAO-based structuring of syndicates, risk tranches, and settlement systems.
This provides layered protection while preserving underwriting modularity, allowing Underwriting Members to organize by geography, risk type, social cause, or economic sector.
Use of Digital Contingent Instruments:
The ecosystem introduces the notion of digital contingent liabilities—ledger-native, contractually bound obligations that are not themselves “assets” but instead serve as programmatic mirrors of retained or assumed risk.
By integrating these digital liabilities into multilateral underwriting DAOs, participants can:
Pool risk across borders and sectors,
Avoid asset rehypothecation,
Use AI to model “portfolio effect” optimization in real-time.
These techniques create a scalable and sovereign-aware digital insurance mesh, with each IAC Cube™ and its Underwriting Syndicates functioning as a sovereign risk processing node.
A Digital Risk Marketplace
Each IAC™ Insurer must operate solely in Bermuda.
Nexus to parties outside of Bermuda, are designed to operate through DAOs in DIGITALUNIVERSE and through Bermuda service providers to limit jurisdictional exposure to other countries.
Ecosystem Summary: Third-Party Professional Participation via DAOs and Segregated Portfolio Infrastructure
The Alliance 3.0 architecture—under the IGF System™—establishes a next-generation framework for decentralized professional interaction, policy origination, and asset segregation, all while preserving the IAC Insurer’s strict Bermuda nexus and statutory firewall. This framework blends distributed DAO-based service relationships with a dual-jurisdictional risk separation model using Cayman-domiciled Segregated Portfolio Companies (SPCs).
When an IAC Insurer issues a policy—such as a FlexGIA™—the policyholder of record is not the ultimate beneficial party. Instead, the policy is acquired by a segregated portfolio within a Cayman-based digital infrastructure utility operating under SPC law. This law—often viewed as a functional derivative of Bermuda’s IGF Act—creates legal ringfencing of assets, liabilities, and contractual engagements. The beneficial party interacts exclusively with the SPC structure, which files the application, receives premium contributions, and ultimately receives benefits—completely insulating the IAC Insurer from direct exposure to that beneficial party.
Any payment obligation of the IAC Insurer—whether claim, maturity, or cancellation—is discharged upon transfer of value to the appropriate SPC account, regardless of the downstream identity of the ultimate party.
This construct allows the IAC Insurer to remain agnostic to potential jurisdictional conflicts, regulatory attachments, or sanctions risks related to beneficial owners or affiliated service providers.
It also allows the IAC Insurer to offload and finance a variety of asset types—such as non-government bonds or private placements—by routing them through investment-focused SPCs, thereby maintaining a clean, de-risked asset base within the insurer itself.
Concurrently, all third-party service providers—such as rating agencies, custodians, certifying accountants, fiscal agents, or claims processors—interact with the IAC Insurer via DAOs that are governed by Pegasus compliance protocols.
This DAO model ensures that service providers receive only the information they are entitled to, nothing more. All protected data—especially policyholder particulars—remains under the exclusive control of the IAC Insurer’s five directors, as mandated by the IGF Act.
Access to this data is strictly regulated through quantum encryption and One Global ID (OGGID) role enforcement, providing a fully auditable record of every interaction.
Further, financial arrangements—such as billing, disbursements, certifications, and inter-party settlements—are conducted through peer-to-peer mesh protocols leveraging Quantum encrypted IPv6 channels within the Alliance 3.0 stack.
In many cases, insurance managers and corporate service providers domiciled in Bermuda serve as contractual intermediaries, eliminating the need for the IAC Insurer to directly contract with any foreign party. This reinforces the IAC Insurer’s singular Bermuda nexus and preserves regulatory clarity under both Bermuda and international law.
Together, the DAO ecosystem and SPC infrastructure form a multi-layered shield against systemic, legal, and operational risk, while unlocking global professional capacity. They enable policyholders, risk underwriters, and ecosystem participants to operate within a digitally verifiable framework—bridged by smart contracts, DAO governance, and jurisdictional firewalling—all while ensuring the IAC Insurer remains compliant with the full statutory rigor of the IGF Act.
Intellectual Property, Intangible Assets & Products Ecosystem
The INSYGNE Initiative includes a specialized ecosystem dedicated to governance, development, protection, and monetization of intellectual property (IP), intangible assets, and digital-native products.
This ecosystem operates as a modular, DAO-interconnected framework designed to foster innovation across Alliance 3.0 architecture, while minimizing systemic and jurisdictional risk.
At its foundation, this ecosystem supports:
Registered Intellectual Property (copyrights, patents, trademarks, trade secrets),
Digital-native Intangible Assets (e.g., algorithms, training data, smart contracts),
Tokenized Products (including risk instruments, synthetic currencies, and assurance wrappers), and
Custom Protocols (e.g., Smart Licensing Frameworks, IP Escrow, Pegged Asset Systems).
These elements are structured into segregated governance and funding lanes, allowing creative, technical, and financial stakeholders to interact through purpose-specific DAOs with defined scope, rights access, and audit trails.
Product & IP Creation Through DAOs
DAO participation enables the controlled contribution and attribution of intellectual capital in collaborative environments.
For example: Toolchains used in FlexGIA™, DPF, or Digital Medallion generation may rely on licensed IP tied to their original creator(s), whose participation is managed via smart licensing agreements embedded into DAO protocols or other forms of use.
Product innovation DAOs may serve as sandboxes where new derivatives or policy wrappers are collaboratively authored, with immutable attribution and version control.
Digital Twin blueprints, frameworks, and specialty algorithms can be minted as digital assets, protected by quantum-sealed metadata, and stored in CalypsoCubes™ with read/write governed access.
INSYGNE Currencies & Contingent Digital Instruments
This ecosystem supports multiple types of internal and external currencies and valuation frameworks, including: IAC Coins – Utility tokens used to access INSYGNE services, IP use rights, or pay for underwriting capacity.
Digital Contingent Liabilities – These are the “flip side” of digital assets and represent micro-risk units modeled within IAC™ Cubes.
Digital Work Credits & IP Stakes – Earned by contributors to INSYGNE research, toolchains, and platforms, often embedded into DAO smart contracts.
Governance, Rights & Protection Framework
To preserve confidentiality and statutory compliance, this ecosystem employs: OGID™ (One Global ID) access control and rights delegation,
Pegasus-based immutable data and audit trails tied to smart contracts,
Quantum encryption for sensitive policy-linked IP or regulatory-restricted content,
Zero-jurisdiction design – IP assets and DAO operations are structured to avoid permanent establishment outside of their legal origin framework, and
In addition, segregated portfolio structures (e.g., SPCs in Cayman) are used to hold IP on behalf of infrastructure or philanthropic DAOs, providing isolation from both insurer operations and external regulatory claims.
Risk | Insurance: 100% Certainty with AAA-Quality Solutions
At the core of Insygne™ lies its Risk | Insurance platform, powered by specialized IAC™ Insurers (special purpose Bermuda regulated insurers) that operate under unique Bermuda legislation. This framework ensures an unparalleled ability to pay 100% of total losses on all policies issued, supported by the following features:
1. Bankruptcy-Proof Structure
• IAC™ Insurers are required to maintain sufficient capital, surplus, and reserves at all times, backed exclusively by eligible government obligations held with government - approved custodians.
• This assures that all liabilities are fully covered, even under catastrophic total-loss scenarios.
2. Capital Adequacy and Stability
• IAC™ Insurers maintain extremely high capital ratios, ensuring long-term resilience and AAA credit quality, surpassing the risk tolerance of traditional insurance models.
3. Risk Transformation
• IAC™ Insurers, leveraging globally-patented insurance securitization technologies (invented by IGF Principals), transform insured risks into capital market securities, as well as digital assets.
• Risks are allocated to segregated reserves, where they can be securitized into tradable instruments, integrated into portfolios, or issued as tokenized digital assets, providing liquidity and investment opportunities.
4. FlexGIA™ Instruments
• To manage and retain risk efficiently, IAC™ Insurers issue FlexGIA™: an institutional-grade, floating-rate corporate debt instrument, which has been rated "AAA" by several rating agencies.
• These medium-to-long-term corporate debt obligations, backed by eligible government securities, are designed to provide institutional investors with higher yields than comparable 1-Year U.S. Treasury rates (a comparable investment), while maintaining low volatility and short duration.
• FlexGIA™ allows IAC™ Insurers to strategically retain certain risk exposures while delivering stable, attractive returns to investors.
5. Dynamic Risk Allocation • IAC™ Insurers can choose to:
• Retain risk internally, backed by FlexGIA™ instruments.
• Pass through risk to capital markets participants, individual Underwriting Members (similar to Lloyd’s), or digital asset networks.
• Hybridize risk solutions, combining retained exposures with transformed instruments to achieve portfolio optimization.
This flexible model provides policyholders with superior credit quality and payout certainty, while empowering investors and capital markets to access innovative, government-backed instruments for risk diversification and yield generation.
The unique nature of The IGF System™, each IAC™ Insurer and IAC™ Cube, and accredited participants operating within the IAC™ Marketplace, are designed to facilitate the transfer of unique, specialised, global and extremely large risk exposures, with safety, security and assurance of timely payment.
Welcome IAC™ Marketplace
Since 1985, IGF has provided innovation in risk transfer, financial guaranty and bespoke funding solutions for intractable economic circumstances. IAC™ Insurers are designed to provide digital implementation of IGF's patented and statutory technologies developed over the past four decades and recognised by leading rating agencies.
The IGF System™ patented risk transformation technology
IAC™ Marketplace is comprised of a series of legal entities with insurance powers under special legislation, paired with advanced computing and interactive technologies, implemented in each instance as a "Digital Twin". Each IAC Cube™ is designed to interface with applicable Market Participants to effect transfer, transformation, mitigation, funding and operational functions. Its governance operates under The IGF System™ PROTOCOL which includes the IGF Act and applicable statutory and regulatory requirements, as well as modular contracting and procedures.
Each IAC Cube™ operates from secure data centres and across global "edge" networks, enabling a wide range of functionality. Accredited Sponsors may wish to form an IAC Cube™ as "risk Infrastructure as a Service". Each IAC™ Insurer within a specific Risk Platform (IAC Cube™) forms a part of the IGF Act Companies (IAC).
Alasdair G. "Sandy" Barclay provided a short description of The IGF System™ in 1994, which formed a part of the patent time stamp relating to the invention of "insurance securitisation". In the global patents was envisioned a risk transfer, transformation and funding platform for unique and difficult to place risks.
We invite you to learn more about the IAC Marketplace, the opportunity to sponsor an IAC Cube™ with Risk | Portfolio, and benefit from participations described in IAC™ Participants .... by accessing the links above, watch the video and download the brochures.
Parties wishing to create an IAC™ Risk Platform benefit from participation in IAC™ Marketplace, have access to IAC™ Marketplace participants and may engage their expertise developing and facilitating an array of risk solutions and products.
Each IAC™ Insurer is subject to the Investors Guaranty Fund, Ltd. (Policyholder Reserves) Act, 1991. Assets sufficient to pay a 100% loss on all policies issued are held by government-approved custodians, invested in "eligible government obligations". Transfers of assets supporting Policy obligations are confirmed by leading accounting firms and applicable rating agencies.
Each IAC Cube™ is a "Digital Infrastructure Utility" (a "DIU"). It is comprised of various components operating under The IGF System™ Protocol for risk | funding operations and its technology suite is Alliance iii.o Protocol compliant.
Each IAC Cube™ engages a regulated Bermuda Insurance Manager to act as Principal Representative and facilitate traditional "corporate services" and local services provider integration.
IAC Cube Sponsors™ and affiliated parties benefit from IAC Cube™ operations and their IAC Marketplace activities.
Each IAC Cube™ operates from Bermuda, accessible by global Market Participants, using DAO DAGChain™ and DARPAs transactional network
IAC Marketplace is comprised of units of three IAC™ Insurers (life assurance, traditional indemnity insurance and financial guaranty), collectively referred to as an IAC Cube™. Each IAC Cube™ operates on bespoke IT Infrastructure.
Each IAC Cube™ has a unique Sponsor and each IAC Insurer is governed by five directors.
In addition, each trio of insurers operate through a Digital Twin integrated with an administrative node facilitating gateway operations with IAC™ Participants and applicable services, including issuance of IAC™s and other forms of digital assets.
Accredited IAC™ Marketplace Participants may obtain certification from an IAC Cube™ to interact with products, services and capital related activities transacted across IAC™ Insurers comprising such IAC Cube™.
Investors Guaranty Fund, Ltd. and subsidiaries provide core IAC Marketplace operational and technology support for each IAC Cube™.
