Foresight News 消息，Vitalik Buterin 在推特上讨论了基于加密的保险 DAO 的潜力，并表示保险 DAO 被低估。其解释称，传统保险模式存在利益不对称，消费者支付固定保费，公司股东拒绝索赔越多，获得的收益就越多；接受索赔越多，获得的收益就越少。而保险 DAO 则通过共同承担风险，确保参与者的利益更加平衡。参与者可以集资并同意覆盖遭遇风险的人，且可以雇佣专门的理赔评审员，保证公正性。

<p>Foresight News 消息，Vitalik Buterin 在推特上讨论了基于加密的保险 DAO 的潜力，并表示保险 DAO 被低估。其解释称，传统保险模式存在利益不对称，消费者支付固定保费，公司股东拒绝索赔越多，获得的收益就越多；接受索赔越多，获得的收益就越少。而保险 DAO 则通过共同承担风险，确保参与者的利益更加平衡。参与者可以集资并同意覆盖遭遇风险的人，且可以雇佣专门的理赔评审员，保证公正性。</p>

Vitalik：基于加密的保险 DAO 被低估

Foresight News reported that Vitalik Buterin discussed the potential of crypto-based insurance DAOs on Twitter, stating that insurance DAOs are underestimated. He explained that the traditional insurance model has an asymmetry of interests, where consumers pay fixed premiums and the company's shareholders earn more the more claims are denied, and earn less the more claims are accepted. In contrast, insurance DAOs ensure a more balanced interest for participants through shared risk-taking. Participants can pool funds and agree to cover those facing risks, and can also hire dedicated claims assessors to ensure fairness.

<p>According to Foresight News , Vitalik Buterin discussed the potential of crypto-based insurance DAOs on Twitter and said that insurance DAOs are underestimated. He explained that the traditional insurance model has asymmetric benefits. Consumers pay fixed premiums, and the more claims the company shareholders reject, the more benefits they get; the more claims they accept, the less benefits they get. Insurance DAOs, on the other hand, ensure that the interests of participants are more balanced by sharing risks. Participants can raise funds and agree to cover those who encounter risks, and can hire dedicated claims reviewers to ensure fairness.</p>

Vitalik: Crypto-based insurance DAOs are underestimated

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