Blockchain Deposit Insurance Corporation (BDIC)
Decentralized Deposit Insurance for the Digital Asset Economy
Executive Summary
BDIC (Blockchain Deposit Insurance Corporation) is the world’s first decentralized cryptocurrency deposit insurer, headquartered in Hong Kong. BDIC provides FDIC-style deposit insurance for cryptocurrency assets, addressing the critical gap where less than 2% of crypto assets are currently protected.
In 2025, $17 billion was stolen through crypto scams and fraud (Chainalysis 2026 Crypto Crime Report). Despite 716 million people globally holding digital assets, there is no standardized consumer protection infrastructure for retail crypto holders. BDIC closes that gap.
BDIC’s dual-tier insurance framework covers $0–$10,000 (Standard) and $10,000–$20,000 (Preferred), with claims processed automatically via smart contracts. The Insurance Reserve Pool holds 528 million BDIC Coins (33% of total supply) in locked collateral to back all coverage obligations.
Market Opportunity
What is the addressable market for cryptocurrency deposit insurance?
With 716 million crypto users globally and less than 2% holding any form of deposit insurance, BDIC operates in a structurally underserved market. The absence of consumer protection has historically deterred institutional adoption and contributed to repeated loss events across centralized exchanges and DeFi protocols.
Global Crypto Users (2026): 716 million
Insured Crypto Assets: Less than 2% of total holdings
Crypto Losses in 2025: $17B+ (Chainalysis 2026 Crypto Crime Report)
Primary Expansion Markets: Asia-Pacific (2025–2030), Africa, Latin America, Middle East, Caribbean (2030–2035)
Insurance Products
Standard Crypto Deposit Insurance
BDIC’s Standard Crypto Deposit Insurance provides dual-tier coverage for retail cryptocurrency holders. Coverage is processed automatically through smart contracts upon claim approval.
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StableCover Pro
StableCover Pro is BDIC’s institutional-grade stablecoin insurance product, designed for hedge funds, DAOs, corporate treasuries, and family offices holding large stablecoin reserves. StableCover Pro provides coverage against stablecoin depeg events, custodial failures, and protocol exploits.
AgentCoverPro
AgentCoverPro is BDIC’s insurance product for AI agent payment systems and autonomous transaction infrastructure. As AI-driven payment agents become embedded in financial workflows, AgentCoverPro provides coverage for transaction failures, unauthorized executions, and protocol-level errors in autonomous systems.
BDIC RWA Consulting
BDIC provides advisory services for real-world asset (RWA) tokenization projects, including insurance framework design, risk-scoring methodologies, and protocol-compliance guidance.
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Risk Assessment Framework
How does BDIC determine insurance eligibility?
BDIC’s automated risk assessment engine evaluates five weighted factors to generate a Risk Score for each applicant. Coverage is extended when the score falls below the applicable tier threshold (0.7 for Standard; 0.8 for Preferred).
Token Distribution
BDIC Coin is a utility token issued by Blockchain Deposit Insurance Corporation (BDIC) to enable access to BDIC’s on-chain insurance services and governance. BDIC Coin is intended solely to: (1) pay insurance premiums and protocol fees; (2) stake to participate in protocol risk-management functions; (3) vote on on-chain governance proposals that affect protocol parameters; and (4) settle approved insurance claims. BDIC Coin does not represent equity, debt, ownership interest, or a right to share in BDIC’s revenues or profits. BDIC does not market BDIC Coin as an investment vehicle or promise price appreciation.
Founder Token Vesting Schedule
- Token Supply: 1.6B BDIC
- Smart Contract Infrastructure for automated insurance claims and risk scoring
- 33% reserve backing in stable assets and BTC
- Token deployment will occur on a blockchain platform selected for security, scalability, and cost efficiency to ensure affordable access for users globally.
BDIC Coin Utility
What is BDIC Coin used for?
BDIC Coin is a utility token used exclusively within the BDIC protocol. It does not represent equity, ownership, or profit participation. The five primary utility functions are:
- Insurance Premium Payments — pay for Standard, Preferred, StableCover Pro, and AgentCoverPro coverage
- Governance Voting — submit and vote on on-chain proposals affecting protocol parameters
- Protocol Participation & Staking Rewards — staking BDIC Coin provides access to platform priority services and time-limited staking rewards tied to platform utility (e.g., fee discounts, protocol participation credits). Staking rewards are not guarantees of profit, dividends, or financial returns and are subject to the terms of the staking reserve as published.
- Claim Settlements — approved insurance claims are settled in BDIC Coin via smart contract
- Protocol Fee Reductions — holding or staking BDIC Coin reduces applicable protocol fees
Token Sale
Token Sale Date: Q2 2026
Token Type: Utility Token
Total Supply: 1.6 billion BDIC Coins
Network: To be deployed on a secure smart contract blockchain selected for scalability, security, and cost efficiency.
Net proceeds from the Token Sale will be allocated to protocol development, Insurance Reserve funding, security and audit services, and operational deployment. Proceeds are not intended to create distributions, dividends, or direct financial returns to token holders.
Leadership
Jeffrey A. Glusman — CEO & Founder
Jeffrey A. Glusman is the Chief Executive Officer and Founder of Blockchain Deposit Insurance Corporation. Prior to founding BDIC, Glusman held senior roles at Merrill Lynch. His traditional finance background and publicly identifiable leadership provide the institutional credibility that distinguishes BDIC in a market where anonymous founding teams are common.
Paul Kohli — Co-Founder, Managing Director Pan-Asian Operations
Paul Kohli oversees BDIC’s Pan-Asian regional operations and strategic development across Asia-Pacific markets.
E.J. Rivera — Co-Founder
E.J. Rivera serves as Co-Founder of BDIC, contributing to company strategy and business development.
Oliver Pluckrose — Chief Technology Officer
Oliver Pluckrose serves as Chief Technology Officer, overseeing BDIC’s smart contract architecture, protocol security, and technical infrastructure.
Legal Disclaimer
BDIC Coin is a utility token. It does not represent equity, debt, or ownership interest in Blockchain Deposit Insurance Corporation (BDIC) or any affiliate. BDIC Coin does not confer any right to receive dividends, profit distributions, or any other form of financial return.
BDIC does not market BDIC Coin as an investment or financial instrument. BDIC does not promise or guarantee token price appreciation, dividends, or profit distributions. Purchasers should not expect returns from appreciation of BDIC Coin and should consider the token only for its described utility.
Net proceeds from the Token Sale will be allocated to protocol development, Insurance Reserve funding, security and audit services, and operational deployment. Proceeds are not intended to create distributions, dividends, or direct financial returns to token holders.
This document does not constitute financial, legal, tax, or investment advice. Recipients should conduct their own due diligence and seek independent professional advice before participating in the Token Sale.
Blockchain Deposit Insurance Corporation — Hong Kong — bdicinsurance.com — Token Sale Q2 2026