The $750bn reinsurance market is one of the most important — and least accessible — corners of global finance. It’s the backbone of risk transfer: helping insurers cover the kinds of events that keep economies running, businesses afloat, and communities rebuilding after disaster.
And yet, access remains tightly gated. Legacy systems, manual processes, and regulatory frameworks have made reinsurance the domain of just a handful of investors. The result? Constrained capacity. Limited transparency. Virtually no participation from new capital.
Unlocking Reinsurance Means Opening the Gates
Reinsurance isn’t just another asset class — it’s infrastructure for real-world resilience. But historically, it’s operated behind closed doors. Unlocking it means changing that. Expanding access. Increasing efficiency. Enabling modern capital to support the risks that shape the real world. New infrastructure makes that possible — and OnRe is leading the way.
We’re Not Building Exposure to Reinsurance, We’re Enabling It
At OnRe, we’re not offering synthetic exposure to insurance risk — we’re enabling on-chain capital to invest directly into real, regulated reinsurance programs. Through the ONyc token, OnRe connects regulated insurance opportunities with on-chain capital, allowing investors to access real-world yield backed by actual risk. Here's how it works:
- Cedents (primary insurers or MGAs) submit reinsurance proposals, which are underwritten and approved by the OnRe licensed insurer.
- Capital providers then allocate capital to the ONyc Pool and earn a share of the premiums paid by the cedent in return for taking on that risk.
- Capital is pooled, collateralized, and verifiable on-chain, with all movements transparently tracked and managed through smart contracts.
This is real insurance. And it’s now accessible to digital asset allocators, fund managers, and qualified capital providers on-chain.
Real Risk, Real Yield, Fully Regulated
Capital flows into a diversified reinsurance strategy covering real-world risks — from cyber and D&O to global earthquake and windstorm. These risks are uncorrelated to crypto and to each other, structured and collateralized with full transparency, and backed by regulated counterparties. The result is consistent, regulated yield — grounded in real-world claims, not synthetic abstractions — that holds up in both bull and bear markets.
Why Now? The Market is Ready and the Doors Are Open
This moment isn’t just about new infrastructure. It’s about convergence. Regulatory clarity is taking shape, on-chain capital is ready to deploy, and insurers are actively seeking new sources of capacity. There’s demand on both sides. Insurance needs more capital. Capital needs more substance.
We’re not here to reinvent the wheel. We’re here to strengthen it. By opening the doors to new capital, without compromising the underwriting discipline or regulatory integrity that make the industry work, we’re unlocking growth in a way that’s sustainable, compliant, and long overdue.
OnRe is live. The $750bn opportunity is no longer theoretical.
It’s real, regulated, and accessible for the first time.
If you're a capital allocator ready to explore reinsurance on-chain, we want to hear from you. Subscribe to our newsletter, or head to our website for more information.
