{"id":13955,"date":"2025-08-20T08:30:00","date_gmt":"2025-08-20T06:30:00","guid":{"rendered":"https:\/\/www.blog.bim.finance\/?p=13955"},"modified":"2025-08-19T11:46:27","modified_gmt":"2025-08-19T09:46:27","slug":"assurances-decentralisees-prochaine-revolution-oubliee","status":"publish","type":"post","link":"https:\/\/www.blog.bim.finance\/en\/assurances-decentralisees-prochaine-revolution-oubliee\/","title":{"rendered":"Les assurances d\u00e9centralis\u00e9es : la prochaine r\u00e9volution oubli\u00e9e ?"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"13955\" class=\"elementor elementor-13955\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d146157 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d146157\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-f6e4fd6\" data-id=\"f6e4fd6\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c01fcfc elementor-widget elementor-widget-text-editor\" data-id=\"c01fcfc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"p1\">Quand on parle de blockchain et de DeFi, les premiers mots qui viennent \u00e0 l\u2019esprit sont souvent <i>Bitcoin<\/i>, <i>Ethereum<\/i>, <i>NFT<\/i> ou <i>stablecoins<\/i>. Pourtant, derri\u00e8re ces tendances bien connues, un secteur pourrait bient\u00f4t vivre sa propre r\u00e9volution silencieuse : celui de l\u2019assurance.<\/p><p class=\"p1\">Les <b>assurances d\u00e9centralis\u00e9es<\/b>, ou <i>DeFi insurance<\/i>, ne font pas les gros titres, mais elles portent en elles un potentiel immense pour transformer la mani\u00e8re dont nous nous prot\u00e9geons contre les risques financiers.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-141a820 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"141a820\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-56b8630\" data-id=\"56b8630\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7766ba5 elementor-widget elementor-widget-heading\" data-id=\"7766ba5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Un secteur fig\u00e9 depuis des si\u00e8cles<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ed6ee52 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ed6ee52\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-9be18a0\" data-id=\"9be18a0\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-79c6238 elementor-widget elementor-widget-text-editor\" data-id=\"79c6238\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"p1\">Aujourd\u2019hui, les assurances traditionnelles fonctionnent avec des contrats r\u00e9dig\u00e9s par les compagnies et appliqu\u00e9s selon leurs propres r\u00e8gles. Les d\u00e9lais de traitement sont souvent longs. Les frais de gestion s\u2019additionnent. Et la confiance repose enti\u00e8rement sur l\u2019institution. Ce mod\u00e8le, h\u00e9rit\u00e9 d\u2019un autre si\u00e8cle, montre ses limites face \u00e0 des besoins de plus en plus rapides et globaux.<\/p><p class=\"p1\">En parall\u00e8le, la blockchain propose un m\u00e9canisme plus transparent et automatis\u00e9. Elle pourrait r\u00e9duire le nombre d\u2019interm\u00e9diaires et acc\u00e9l\u00e9rer les indemnisations. Pourtant, malgr\u00e9 ce potentiel, peu de gens connaissent encore les assurances d\u00e9centralis\u00e9es.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-238f1cf elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"238f1cf\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d0b2011\" data-id=\"d0b2011\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c4c4553 elementor-widget elementor-widget-heading\" data-id=\"c4c4553\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Comment fonctionne une assurance d\u00e9centralis\u00e9e ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6d33947 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6d33947\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7d62f97\" data-id=\"7d62f97\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ac494cb elementor-widget elementor-widget-image\" data-id=\"ac494cb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t<figure class=\"wp-caption\">\n\t\t\t\t\t\t\t\t\t\t<img data-recalc-dims=\"1\" decoding=\"async\" src=\"https:\/\/i0.wp.com\/neptunemutual.com\/cdn\/what-is-defi-insurance.webp?w=800&#038;ssl=1\" title=\"\" alt=\"Qu&apos;est-ce que sont les assurances d\u00e9centralis\u00e9es ? - Neptune Mutual\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t<figcaption class=\"widget-image-caption wp-caption-text\">Qu'est-ce que sont les assurances d\u00e9centralis\u00e9es ? - Neptune Mutual<\/figcaption>\n\t\t\t\t\t\t\t\t\t\t<\/figure>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7e22aea elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7e22aea\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-99d8f09\" data-id=\"99d8f09\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-afd017e elementor-widget elementor-widget-text-editor\" data-id=\"afd017e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"p1\">Dans une assurance d\u00e9centralis\u00e9e, les contrats sont g\u00e9r\u00e9s par des <a href=\"https:\/\/www.blog.bim.finance\/en\/ethereum-et-linnovation-des-smart-contracts-hors-serie-ethereum\/\"><i>smart contracts<\/i><\/a>. Ces programmes s\u2019ex\u00e9cutent automatiquement lorsque les conditions d\u00e9finies sont remplies. Plus besoin d\u2019attendre l\u2019accord d\u2019un gestionnaire. Par exemple, si un vol est annul\u00e9, l\u2019assurance peut indemniser imm\u00e9diatement l\u2019assur\u00e9 gr\u00e2ce \u00e0 des donn\u00e9es v\u00e9rifi\u00e9es en temps r\u00e9el par un oracle.<\/p><p class=\"p1\">Le financement se fait souvent via un pool de liquidit\u00e9s. Les participants y d\u00e9posent des fonds et re\u00e7oivent une partie des primes en \u00e9change de la prise de risque. Ce mod\u00e8le permet d\u2019aligner les int\u00e9r\u00eats entre assur\u00e9s et financeurs. Il rend aussi le syst\u00e8me plus r\u00e9silient et moins d\u00e9pendant d\u2019une seule entit\u00e9.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e3f8e6e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e3f8e6e\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e24a6eb\" data-id=\"e24a6eb\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e1f9e9b elementor-widget elementor-widget-heading\" data-id=\"e1f9e9b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Les avantages concrets<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3c30bc0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3c30bc0\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-eb362a6\" data-id=\"eb362a6\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2877f2b elementor-widget elementor-widget-text-editor\" data-id=\"2877f2b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"p1\">Le premier avantage est la transparence. Les r\u00e8gles du contrat sont visibles par tous sur la blockchain. Le second est la rapidit\u00e9. Les indemnisations peuvent \u00eatre quasi instantan\u00e9es. Enfin, les co\u00fbts de gestion sont r\u00e9duits, car il n\u2019y a pas de lourde structure administrative \u00e0 financer.<\/p><p class=\"p1\">Ces b\u00e9n\u00e9fices pourraient rendre l\u2019assurance plus accessible dans des r\u00e9gions o\u00f9 elle est encore rare, notamment dans les pays en d\u00e9veloppement. En supprimant les barri\u00e8res traditionnelles, les assurances d\u00e9centralis\u00e9es ouvrent la voie \u00e0 une couverture mondiale plus inclusive.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-59d357d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"59d357d\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-fe5f031\" data-id=\"fe5f031\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4583ab5 elementor-widget elementor-widget-heading\" data-id=\"4583ab5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Les d\u00e9fis \u00e0 surmonter<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a9a411f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a9a411f\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-fa45e42\" data-id=\"fa45e42\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3d4966a elementor-widget elementor-widget-text-editor\" data-id=\"3d4966a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"p1\">Malgr\u00e9 leurs atouts, ces assurances font face \u00e0 plusieurs obstacles. La fiabilit\u00e9 des donn\u00e9es est essentielle. Si un oracle transmet une information erron\u00e9e, le contrat pourrait ex\u00e9cuter un paiement injustifi\u00e9. La r\u00e9glementation est \u00e9galement un point crucial. La plupart des pays n\u2019ont pas encore de cadre clair pour encadrer ce type de service.<\/p><p class=\"p1\">De plus, la gestion du risque reste complexe. Un \u00e9v\u00e9nement majeur, comme une catastrophe naturelle, pourrait mettre en danger la liquidit\u00e9 du pool et fragiliser l\u2019ensemble du syst\u00e8me.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-43b6296 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"43b6296\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2623a28\" data-id=\"2623a28\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7cbd428 elementor-widget elementor-widget-heading\" data-id=\"7cbd428\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Un futur encore incertain<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-516ae66 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"516ae66\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ba8b432\" data-id=\"ba8b432\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-da2e325 elementor-widget elementor-widget-text-editor\" data-id=\"da2e325\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"p1\">Les assurances d\u00e9centralis\u00e9es ne sont pas encore pr\u00eates \u00e0 remplacer les mod\u00e8les traditionnels. Mais elles offrent un terrain d\u2019exp\u00e9rimentation unique. Dans un monde o\u00f9 la rapidit\u00e9 et la transparence sont de plus en plus valoris\u00e9es, elles pourraient devenir une alternative cr\u00e9dible dans certains secteurs sp\u00e9cifiques, comme l\u2019assurance voyage ou l\u2019assurance agricole.<\/p><p class=\"p1\">Il reste \u00e0 savoir si les acteurs traditionnels choisiront de collaborer avec ces nouveaux mod\u00e8les ou de les ignorer jusqu\u2019\u00e0 ce qu\u2019ils deviennent incontournables.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c99168b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c99168b\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-9712e70\" data-id=\"9712e70\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b02a74c elementor-widget elementor-widget-text-editor\" data-id=\"b02a74c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Sources<\/strong> :<\/p><ul><li><a href=\"https:\/\/nexusmutual.io\/\">Nexus Mutual<\/a><\/li><li><a href=\"https:\/\/etherisc.com\/\">Etherisc<\/a><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Les assurances d\u00e9centralis\u00e9es pourraient transformer un secteur vieux de plusieurs si\u00e8cles. Plus transparentes et accessibles, elles reposent sur la blockchain pour r\u00e9inventer la protection financi\u00e8re.<\/p>","protected":false},"author":18,"featured_media":14034,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mo_disable_npp":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[7,63],"tags":[],"ppma_author":[145],"class_list":["post-13955","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blockchain","category-quotidien"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Les assurances d\u00e9centralis\u00e9es : la prochaine r\u00e9volution oubli\u00e9e ? - BIM Blog<\/title>\n<meta name=\"description\" content=\"Les assurances d\u00e9centralis\u00e9es promettent de bouleverser un secteur fig\u00e9 depuis des si\u00e8cles. D\u00e9couvrez comment la DeFi r\u00e9invente la protection financi\u00e8re.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.blog.bim.finance\/en\/assurances-decentralisees-prochaine-revolution-oubliee\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Les assurances d\u00e9centralis\u00e9es : la prochaine r\u00e9volution oubli\u00e9e ? - BIM Blog\" \/>\n<meta property=\"og:description\" content=\"Les assurances d\u00e9centralis\u00e9es promettent de bouleverser un secteur fig\u00e9 depuis des si\u00e8cles. D\u00e9couvrez comment la DeFi r\u00e9invente la protection financi\u00e8re.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.blog.bim.finance\/en\/assurances-decentralisees-prochaine-revolution-oubliee\/\" \/>\n<meta property=\"og:site_name\" content=\"BIM Blog\" \/>\n<meta property=\"article:published_time\" content=\"2025-08-20T06:30:00+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i0.wp.com\/www.blog.bim.finance\/wp-content\/uploads\/2025\/08\/Assurances-scaled.webp?fit=2560%2C1257&ssl=1\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"1257\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"author\" content=\"Earvin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@earvindecrypt\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Earvin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Estimated reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.blog.bim.finance\\\/assurances-decentralisees-prochaine-revolution-oubliee\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.blog.bim.finance\\\/assurances-decentralisees-prochaine-revolution-oubliee\\\/\"},\"author\":{\"name\":\"Earvin\",\"@id\":\"https:\\\/\\\/www.blog.bim.finance\\\/#\\\/schema\\\/person\\\/dde3565e6f87de231c4091406a341b1e\"},\"headline\":\"Les assurances d\u00e9centralis\u00e9es : la prochaine r\u00e9volution oubli\u00e9e ?\",\"datePublished\":\"2025-08-20T06:30:00+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.blog.bim.finance\\\/assurances-decentralisees-prochaine-revolution-oubliee\\\/\"},\"wordCount\":644,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/www.blog.bim.finance\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.blog.bim.finance\\\/assurances-decentralisees-prochaine-revolution-oubliee\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/i0.wp.com\\\/www.blog.bim.finance\\\/wp-content\\\/uploads\\\/2025\\\/08\\\/Assurances-scaled.webp?fit=2560%2C1257&ssl=1\",\"articleSection\":[\"Blockchain\",\"Quotidien\"],\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/www.blog.bim.finance\\\/assurances-decentralisees-prochaine-revolution-oubliee\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.blog.bim.finance\\\/assurances-decentralisees-prochaine-revolution-oubliee\\\/\",\"url\":\"https:\\\/\\\/www.blog.bim.finance\\\/assurances-decentralisees-prochaine-revolution-oubliee\\\/\",\"name\":\"Les assurances d\u00e9centralis\u00e9es : la prochaine r\u00e9volution oubli\u00e9e ? - BIM Blog\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.blog.bim.finance\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.blog.bim.finance\\\/assurances-decentralisees-prochaine-revolution-oubliee\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.blog.bim.finance\\\/assurances-decentralisees-prochaine-revolution-oubliee\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/i0.wp.com\\\/www.blog.bim.finance\\\/wp-content\\\/uploads\\\/2025\\\/08\\\/Assurances-scaled.webp?fit=2560%2C1257&ssl=1\",\"datePublished\":\"2025-08-20T06:30:00+00:00\",\"description\":\"Les assurances d\u00e9centralis\u00e9es promettent de bouleverser un secteur fig\u00e9 depuis des si\u00e8cles. D\u00e9couvrez comment la DeFi r\u00e9invente la protection financi\u00e8re.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.blog.bim.finance\\\/assurances-decentralisees-prochaine-revolution-oubliee\\\/#breadcrumb\"},\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.blog.bim.finance\\\/assurances-decentralisees-prochaine-revolution-oubliee\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\\\/\\\/www.blog.bim.finance\\\/assurances-decentralisees-prochaine-revolution-oubliee\\\/#primaryimage\",\"url\":\"https:\\\/\\\/i0.wp.com\\\/www.blog.bim.finance\\\/wp-content\\\/uploads\\\/2025\\\/08\\\/Assurances-scaled.webp?fit=2560%2C1257&ssl=1\",\"contentUrl\":\"https:\\\/\\\/i0.wp.com\\\/www.blog.bim.finance\\\/wp-content\\\/uploads\\\/2025\\\/08\\\/Assurances-scaled.webp?fit=2560%2C1257&ssl=1\",\"width\":2560,\"height\":1257,\"caption\":\"Les assurances d\u00e9centralis\u00e9es : la prochaine r\u00e9volution oubli\u00e9e ?\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.blog.bim.finance\\\/assurances-decentralisees-prochaine-revolution-oubliee\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\\\/\\\/www.blog.bim.finance\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Blockchain\",\"item\":\"https:\\\/\\\/www.blog.bim.finance\\\/category\\\/blockchain\\\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Les assurances d\u00e9centralis\u00e9es : la prochaine r\u00e9volution oubli\u00e9e ?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.blog.bim.finance\\\/#website\",\"url\":\"https:\\\/\\\/www.blog.bim.finance\\\/\",\"name\":\"BIM Blog\",\"description\":\"BIM Blog\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.blog.bim.finance\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.blog.bim.finance\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-GB\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.blog.bim.finance\\\/#organization\",\"name\":\"BIM Blog\",\"url\":\"https:\\\/\\\/www.blog.bim.finance\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\\\/\\\/www.blog.bim.finance\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/i0.wp.com\\\/www.blog.bim.finance\\\/wp-content\\\/uploads\\\/2023\\\/09\\\/bim_blog_v3.png?fit=2403%2C475&ssl=1\",\"contentUrl\":\"https:\\\/\\\/i0.wp.com\\\/www.blog.bim.finance\\\/wp-content\\\/uploads\\\/2023\\\/09\\\/bim_blog_v3.png?fit=2403%2C475&ssl=1\",\"width\":2403,\"height\":475,\"caption\":\"BIM Blog\"},\"image\":{\"@id\":\"https:\\\/\\\/www.blog.bim.finance\\\/#\\\/schema\\\/logo\\\/image\\\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.blog.bim.finance\\\/#\\\/schema\\\/person\\\/dde3565e6f87de231c4091406a341b1e\",\"name\":\"Earvin\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\\\/\\\/www.blog.bim.finance\\\/wp-content\\\/uploads\\\/2025\\\/12\\\/earvin-ciard_avatar-96x96.jpg97f23afc2482196a472e7b6dad238662\",\"url\":\"https:\\\/\\\/www.blog.bim.finance\\\/wp-content\\\/uploads\\\/2025\\\/12\\\/earvin-ciard_avatar-96x96.jpg\",\"contentUrl\":\"https:\\\/\\\/www.blog.bim.finance\\\/wp-content\\\/uploads\\\/2025\\\/12\\\/earvin-ciard_avatar-96x96.jpg\",\"caption\":\"Earvin\"},\"description\":\"As an entrepreneur and crypto investor, I turn complex finance and blockchain topics into clear, engaging, and accessible content, even for beginners. My goal is to help everyone better understand the key challenges shaping today\u2019s and tomorrow\u2019s crypto landscape.\",\"sameAs\":[\"https:\\\/\\\/www.linkedin.com\\\/in\\\/eciard\\\/\",\"https:\\\/\\\/x.com\\\/earvindecrypt\"],\"url\":\"https:\\\/\\\/www.blog.bim.finance\\\/en\\\/author\\\/earvin21\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Les assurances d\u00e9centralis\u00e9es : la prochaine r\u00e9volution oubli\u00e9e ? - BIM Blog","description":"Les assurances d\u00e9centralis\u00e9es promettent de bouleverser un secteur fig\u00e9 depuis des si\u00e8cles. D\u00e9couvrez comment la DeFi r\u00e9invente la protection financi\u00e8re.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.blog.bim.finance\/en\/assurances-decentralisees-prochaine-revolution-oubliee\/","og_locale":"en_GB","og_type":"article","og_title":"Les assurances d\u00e9centralis\u00e9es : la prochaine r\u00e9volution oubli\u00e9e ? - BIM Blog","og_description":"Les assurances d\u00e9centralis\u00e9es promettent de bouleverser un secteur fig\u00e9 depuis des si\u00e8cles. D\u00e9couvrez comment la DeFi r\u00e9invente la protection financi\u00e8re.","og_url":"https:\/\/www.blog.bim.finance\/en\/assurances-decentralisees-prochaine-revolution-oubliee\/","og_site_name":"BIM Blog","article_published_time":"2025-08-20T06:30:00+00:00","og_image":[{"width":2560,"height":1257,"url":"https:\/\/i0.wp.com\/www.blog.bim.finance\/wp-content\/uploads\/2025\/08\/Assurances-scaled.webp?fit=2560%2C1257&ssl=1","type":"image\/webp"}],"author":"Earvin","twitter_card":"summary_large_image","twitter_creator":"@earvindecrypt","twitter_misc":{"Written by":"Earvin","Estimated reading time":"4 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.blog.bim.finance\/assurances-decentralisees-prochaine-revolution-oubliee\/#article","isPartOf":{"@id":"https:\/\/www.blog.bim.finance\/assurances-decentralisees-prochaine-revolution-oubliee\/"},"author":{"name":"Earvin","@id":"https:\/\/www.blog.bim.finance\/#\/schema\/person\/dde3565e6f87de231c4091406a341b1e"},"headline":"Les assurances d\u00e9centralis\u00e9es : la prochaine r\u00e9volution oubli\u00e9e ?","datePublished":"2025-08-20T06:30:00+00:00","mainEntityOfPage":{"@id":"https:\/\/www.blog.bim.finance\/assurances-decentralisees-prochaine-revolution-oubliee\/"},"wordCount":644,"commentCount":0,"publisher":{"@id":"https:\/\/www.blog.bim.finance\/#organization"},"image":{"@id":"https:\/\/www.blog.bim.finance\/assurances-decentralisees-prochaine-revolution-oubliee\/#primaryimage"},"thumbnailUrl":"https:\/\/i0.wp.com\/www.blog.bim.finance\/wp-content\/uploads\/2025\/08\/Assurances-scaled.webp?fit=2560%2C1257&ssl=1","articleSection":["Blockchain","Quotidien"],"inLanguage":"en-GB","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.blog.bim.finance\/assurances-decentralisees-prochaine-revolution-oubliee\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/www.blog.bim.finance\/assurances-decentralisees-prochaine-revolution-oubliee\/","url":"https:\/\/www.blog.bim.finance\/assurances-decentralisees-prochaine-revolution-oubliee\/","name":"Les assurances d\u00e9centralis\u00e9es : la prochaine r\u00e9volution oubli\u00e9e ? - BIM Blog","isPartOf":{"@id":"https:\/\/www.blog.bim.finance\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.blog.bim.finance\/assurances-decentralisees-prochaine-revolution-oubliee\/#primaryimage"},"image":{"@id":"https:\/\/www.blog.bim.finance\/assurances-decentralisees-prochaine-revolution-oubliee\/#primaryimage"},"thumbnailUrl":"https:\/\/i0.wp.com\/www.blog.bim.finance\/wp-content\/uploads\/2025\/08\/Assurances-scaled.webp?fit=2560%2C1257&ssl=1","datePublished":"2025-08-20T06:30:00+00:00","description":"Les assurances d\u00e9centralis\u00e9es promettent de bouleverser un secteur fig\u00e9 depuis des si\u00e8cles. D\u00e9couvrez comment la DeFi r\u00e9invente la protection financi\u00e8re.","breadcrumb":{"@id":"https:\/\/www.blog.bim.finance\/assurances-decentralisees-prochaine-revolution-oubliee\/#breadcrumb"},"inLanguage":"en-GB","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.blog.bim.finance\/assurances-decentralisees-prochaine-revolution-oubliee\/"]}]},{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/www.blog.bim.finance\/assurances-decentralisees-prochaine-revolution-oubliee\/#primaryimage","url":"https:\/\/i0.wp.com\/www.blog.bim.finance\/wp-content\/uploads\/2025\/08\/Assurances-scaled.webp?fit=2560%2C1257&ssl=1","contentUrl":"https:\/\/i0.wp.com\/www.blog.bim.finance\/wp-content\/uploads\/2025\/08\/Assurances-scaled.webp?fit=2560%2C1257&ssl=1","width":2560,"height":1257,"caption":"Les assurances d\u00e9centralis\u00e9es : la prochaine r\u00e9volution oubli\u00e9e ?"},{"@type":"BreadcrumbList","@id":"https:\/\/www.blog.bim.finance\/assurances-decentralisees-prochaine-revolution-oubliee\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Accueil","item":"https:\/\/www.blog.bim.finance\/"},{"@type":"ListItem","position":2,"name":"Blockchain","item":"https:\/\/www.blog.bim.finance\/category\/blockchain\/"},{"@type":"ListItem","position":3,"name":"Les assurances d\u00e9centralis\u00e9es : la prochaine r\u00e9volution oubli\u00e9e ?"}]},{"@type":"WebSite","@id":"https:\/\/www.blog.bim.finance\/#website","url":"https:\/\/www.blog.bim.finance\/","name":"BIM Blog","description":"BIM Blog","publisher":{"@id":"https:\/\/www.blog.bim.finance\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.blog.bim.finance\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-GB"},{"@type":"Organization","@id":"https:\/\/www.blog.bim.finance\/#organization","name":"BIM Blog","url":"https:\/\/www.blog.bim.finance\/","logo":{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/www.blog.bim.finance\/#\/schema\/logo\/image\/","url":"https:\/\/i0.wp.com\/www.blog.bim.finance\/wp-content\/uploads\/2023\/09\/bim_blog_v3.png?fit=2403%2C475&ssl=1","contentUrl":"https:\/\/i0.wp.com\/www.blog.bim.finance\/wp-content\/uploads\/2023\/09\/bim_blog_v3.png?fit=2403%2C475&ssl=1","width":2403,"height":475,"caption":"BIM Blog"},"image":{"@id":"https:\/\/www.blog.bim.finance\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/www.blog.bim.finance\/#\/schema\/person\/dde3565e6f87de231c4091406a341b1e","name":"Earvin","image":{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/www.blog.bim.finance\/wp-content\/uploads\/2025\/12\/earvin-ciard_avatar-96x96.jpg97f23afc2482196a472e7b6dad238662","url":"https:\/\/www.blog.bim.finance\/wp-content\/uploads\/2025\/12\/earvin-ciard_avatar-96x96.jpg","contentUrl":"https:\/\/www.blog.bim.finance\/wp-content\/uploads\/2025\/12\/earvin-ciard_avatar-96x96.jpg","caption":"Earvin"},"description":"As an entrepreneur and crypto investor, I turn complex finance and blockchain topics into clear, engaging, and accessible content, even for beginners. My goal is to help everyone better understand the key challenges shaping today\u2019s and tomorrow\u2019s crypto landscape.","sameAs":["https:\/\/www.linkedin.com\/in\/eciard\/","https:\/\/x.com\/earvindecrypt"],"url":"https:\/\/www.blog.bim.finance\/en\/author\/earvin21\/"}]}},"jetpack_featured_media_url":"https:\/\/i0.wp.com\/www.blog.bim.finance\/wp-content\/uploads\/2025\/08\/Assurances-scaled.webp?fit=2560%2C1257&ssl=1","jetpack_sharing_enabled":true,"authors":[{"term_id":145,"user_id":18,"is_guest":0,"slug":"earvin21","display_name":"Earvin","avatar_url":"https:\/\/www.blog.bim.finance\/wp-content\/uploads\/2025\/12\/earvin-ciard_avatar-96x96.jpg","author_category":"1","first_name":"Earvin","last_name":"Ciard","user_url":"","job_title":"","description":"As an entrepreneur and crypto investor, I turn complex finance and blockchain topics into clear, engaging, and accessible content, even for beginners. My goal is to help everyone better understand the key challenges shaping today\u2019s and tomorrow\u2019s crypto landscape."}],"_links":{"self":[{"href":"https:\/\/www.blog.bim.finance\/en\/wp-json\/wp\/v2\/posts\/13955","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.blog.bim.finance\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.blog.bim.finance\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.blog.bim.finance\/en\/wp-json\/wp\/v2\/users\/18"}],"replies":[{"embeddable":true,"href":"https:\/\/www.blog.bim.finance\/en\/wp-json\/wp\/v2\/comments?post=13955"}],"version-history":[{"count":9,"href":"https:\/\/www.blog.bim.finance\/en\/wp-json\/wp\/v2\/posts\/13955\/revisions"}],"predecessor-version":[{"id":14035,"href":"https:\/\/www.blog.bim.finance\/en\/wp-json\/wp\/v2\/posts\/13955\/revisions\/14035"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.blog.bim.finance\/en\/wp-json\/wp\/v2\/media\/14034"}],"wp:attachment":[{"href":"https:\/\/www.blog.bim.finance\/en\/wp-json\/wp\/v2\/media?parent=13955"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.blog.bim.finance\/en\/wp-json\/wp\/v2\/categories?post=13955"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.blog.bim.finance\/en\/wp-json\/wp\/v2\/tags?post=13955"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/www.blog.bim.finance\/en\/wp-json\/wp\/v2\/ppma_author?post=13955"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}