Kuala Lumpur, August 2025 — As the global wave of financial digitalization accelerates, traditional insurance is undergoing profound transformation. LIVI NeoAsia (hereinafter “LV.onl”) today officially launched an innovative model that deeply integrates “digital asset accounts + statutory insurance coverage,” redefining the essence of insurance: It is not merely a consumption expense but a financial instrument for precise risk transfer. More critically, it serves as a central nexus connecting “life protection, asset appreciation, and risk hedging.”
Debunking Misconceptions: Insurance as “Actuarial Value,” Not “Sunk Cost”
Conventionally, insurance is often perceived as a consumption behavior—”paying for peace of mind”—where premiums are deemed “wasted” if no claims occur. LV.onl fundamentally challenges this notion: At its core, insurance represents “precise actuarial value for risk transfer.” Premiums paid by users essentially lock in certainty against future risks (e.g., illness, accidents, retirement shortfalls). This value itself can be transformed, through compliant design, into “appreciable, inheritable, and flexibly allocatable” assets.
For example, every policy purchased includes not only statutory coverage (e.g., medical, accident protection) but also channels premiums into asset pools managed by licensed institutions. These funds generate steady growth through low-risk instruments like money market funds and bonds, truly achieving “active protection with tangible asset growth.”
The LV.onl Model: Making “Protection = Wealth Management = Risk Transfer” a Reality
LV.onl’s core solution lies in its “Insurance-Anchored Asset Protection System,” unifying these three pillars:
Insurance as the Value Anchor: All products are underwritten by licensed insurers, covering statutory protections (e.g., health, retirement), ensuring legal validity of risk transfer. Policy terms and claims mechanisms are recorded on the blockchain with tamper-proof immutability, providing users full transparency into “risk coverage scope.”
Stablecoin as the Circulation Vehicle: The compliant stablecoin Cloud Token, pegged to real-world fiat assets, strictly adheres to Hong Kong’s 2025 Stablecoin Act. It operates exclusively in closed-loop scenarios (e.g., premium payments, policy upgrades), eliminating speculative risks while enhancing asset liquidity.
Digital Account as the Management Hub: Users automatically receive a LIVI Vault digital account, displaying real-time premium allocation, asset returns, and coverage status. The account enables “goal-based allocation,” allowing customized plans (e.g., children’s education, retirement reserves), deeply integrating risk transfer with life planning.
Focus on Southeast Asia: Bridging the “Protection Gap” for 600 Million People
LV.onl’s model holds particular significance in Southeast Asia—a region with low insurance penetration yet high digital payment adoption. Among its 600 million people, many remain unprotected due to complex traditional insurance processes and poor cost-performance ratios. LV.onl simplifies onboarding and introduces community incentives (e.g., stablecoin rewards for referrals), enabling broader access to dual-value “protection + wealth management” at low cost.
As stated by LV.onl’s team: “We are not selling insurance; we are building an infrastructure that empowers everyone to master risk and accumulate wealth.” With upcoming approvals for Hong Kong’s stablecoin license and Southeast Asian insurance qualifications, this model is poised to become a new bridge connecting the digital economy and social safeguards.