Meanwhile is a Bermuda-based life insurance company that offers Whole Life products fully denominated in Bitcoin, helping to protect assets and optimize tax benefits for investors.
Meanwhile's highlight is the traditional life insurance model but payments, loans and benefits are all calculated in Bitcoin, opening up a new direction in combining digital assets with traditional financial services.
- BTC Whole Life product – the first life insurance contract denominated in Bitcoin.
- Optimize tax and mortgage rights up to 90% of the BTC value in the contract.
- Backed by major funds, developing towards a digital economy using Bitcoin.
What is meanwhile?
Meanwhile is a Bermuda-based life insurance company, licensed by the Bermuda Monetary Authority. The difference is that all of Meanwhile's insurance products are denominated in Bitcoin .
Instead of using fiat currency, Meanwhile allows users to take out Whole Life insurance policies using Bitcoin, thereby combining asset protection with the long-term growth potential of the world's largest cryptocurrency.
What is the mission of Meanwhile?
Meanwhile's mission is to transform Bitcoin from a speculative asset into a real-world financial tool that helps protect families, optimize taxes, and simplify inheritance.
As Bitcoin is increasingly seen as “digital gold,” the company aims to build a digital economy where digital assets are directly applied to traditional financial products.
“Bitcoin needs to be more than a speculative asset, it needs to become the basis for real financial products. Meanwhile is proving that.”
Sam Altman – CEO OpenAI, investor Meanwhile, 2023 (according to Seed Funding round announcement)
What is special about Meanwhile's BTC Whole Life product?
BTC Whole Life is a traditional life insurance policy, but all premiums, savings, death benefits, and loans are denominated in Bitcoin.
This product not only helps preserve BTC value against market risks but also allows investors to borrow up to 90% of the accumulated value, while optimizing taxes when transferring or using BTC in the long term.
What are the key differences of Meanwhile?
Meanwhile, it possesses a series of rare advantages in the life insurance market, especially for investors holding Bitcoin for a long time.
- The first insurance product identified in Bitcoin.
- Optimize income tax and Capital gains tax.
- Mortgage rights up to 90% of BTC value.
- Lifetime protection with only 10 years of premium payments.
- Simplify BTC storage and inheritance.
“The ability to borrow up to 90% of BTC value without a credit check is a huge step forward, giving investors more flexibility in using digital assets.”
Lachy Groom – Investor Meanwhile, 2023 (according to TechCrunch)
What is the model and mechanism of Meanwhile?
Meanwhile's model combines traditional insurance with Bitcoin management and investment mechanisms. Users sign contracts, pay fees in BTC, and Meanwhile invests this fee in secure channels to ensure profits.
The contract accumulates value, allows for collateralized loans after 2 years, and guarantees the transfer of BTC assets directly to beneficiaries upon the death of the participant. The entire process is designed to optimize taxes and reduce the risk of loss.
What is special about Meanwhile's lending and asset inheritance mechanism?
Users can borrow up to 90% of BTC Value in the contract, no credit check, no mandatory repayment schedule. Upon death, all BTC benefits are distributed directly to beneficiaries.
This helps minimize the risk of storing personal wallets, avoid dependence on exchanges, and ensure the family's long-term financial plan.
“Meanwhile solves one of Bitcoin's biggest hurdles: how to make digital assets inheritable safely and legally.”
Wences Casares – Founder of Xapo, Investor Meanwhile Series A, 2025 (according to Crunchbase)
What is the development roadmap of Meanwhile?
The company is on a strong growth trajectory thanks to successful Capital rounds, backed by the world's leading technology investors.
On June 6, 2023, Meanwhile successfully raised $20.5 million in a Seed round co-led by Gradient Ventures, Sam Altman and Lachy Groom.
On April 10, 2025, the company continued to raise an additional $40 million in a Series A round led by Framework Ventures and Fulgur Ventures.
| Time | Capital round | Amount raised | Typical investor |
|---|---|---|---|
| 6/6/2023 | Seed | 20.5 million USD | Gradient Ventures, Sam Altman, Lachy Groom |
| 10/4/2025 | Series A | 40 million USD | Framework Ventures, Fulgur Ventures, Wences Casares |
What value does Meanwhile bring to Bitcoin investors?
Meanwhile, it offers a unique insurance solution for Bitcoin investors, protecting their families, capitalizing on BTC price growth, and optimizing taxes.
Instead of just holding BTC as a speculative asset, users can participate in Whole Life contracts to turn Bitcoin into a useful financial instrument, ensuring long-term safety and transparency.
“Meanwhile’s combination of traditional insurance and Bitcoin opens up a new segment in the financial industry.”
Framework Ventures – Series A Investor Meanwhile, 2025 (via Decrypt)
Frequently Asked Questions
Is Meanwhile licensed?
Yes. Meanwhile licensed and regulated by the Bermuda Monetary Authority, ensuring international legal compliance.
How is BTC Whole Life different from traditional life insurance?
The biggest difference is that all cash flows (fees, loans, benefits) are denominated in Bitcoin instead of fiat.
How can users borrow from the Meanwhile contract?
After 2 years, users can borrow up to 90% of the BTC value in the contract at low interest rates and without credit approval.
How are insurance benefits paid upon death?
Benefits are paid directly in Bitcoin to the beneficiary, regardless of personal wallet or exchange.
Meanwhile who has received investment from?
Major investors include Gradient Ventures, Sam Altman, Lachy Groom, Framework Ventures and Wences Casares.
