In this episode of Digital Gold, JP talks with Zachary Townsend, Co-founder and CEO of Meanwhile, the first fully Bitcoin-denominated life insurance company. Zachary explains how Meanwhile operates entirely on a Bitcoin standard, from premiums and payouts to audits and financials, offering whole life policies that protect and grow Bitcoin holdings for decades while providing tax advantages, estate planning benefits, and BTC-backed borrowing without liquidation risk. They discuss how the company earns safe yield through over-collateralized institutional lending, the importance of trust and transparency in the Bitcoin economy, Zachary’s path from Stripe and Y Combinator to launching in Bermuda, and the vision to serve a billion people as Bitcoin adoption accelerates worldwide.

Digital Gold

[email protected] (Aurum Capital Ventures)

Building Life Insurance for the Bitcoin Economy with Zachary Townsend

AUG 21, 202546 MIN
Digital Gold

Building Life Insurance for the Bitcoin Economy with Zachary Townsend

AUG 21, 202546 MIN

Description

This episode follows JP’s conversation with Zachary Townsend, CEO of Meanwhile, covering how he built the first fully Bitcoin-denominated life insurance company and its role in the emerging Bitcoin economy.[00:00:00] Introduction. JP welcomes Zachary and the topic of Bitcoin life insurance.[00:01:00] Why Bitcoin + Life Insurance. Starting from the belief in a global Bitcoin economy.[00:03:00] Whole Life as the Original HODL. Long-term wealth transfer in Bitcoin.[00:04:00] Running on a Bitcoin Standard. All operations in BTC.[00:05:00] Zachary’s Background. From fintech and government to Stripe and Y Combinator.[00:08:00] Serving Global Markets. Bermuda licensing and expansion plans.[00:12:00] How the Product Works. Whole life policies, tax benefits, BTC-backed loans.[00:15:00] Where the Yield Comes From. Over-collateralized Bitcoin lending.[00:20:00] Challenges and Opportunities. Bitcoin hurdle rate and simplicity.[00:24:00] Future Products. Annuities, investment contracts, reinsurance.[00:28:00] Policy Limits and Transparency. BTC caps and public audits.[00:30:00] Building Trust. Overcoming skepticism and engaging clients.[00:33:00] Advice for Entrepreneurs. Going slower to build right.[00:35:00] Roadmap to a Billion Users. Expanding to smaller policies worldwide.[00:39:00] Managing Premium Payments. Avoiding being short Bitcoin.[00:41:00] How to Get Involved. Website sign-up and miner outreach.[00:43:00] Closing. Final thoughts and invitation to connect.Enjoyed the episode?If this conversation brought you new insights, we’d love for you to leave a review, it helps more Bitcoin enthusiasts and professionals discover the show.Have a guest you'd like to hear from or a topic you want us to explore? Drop your suggestions in the comments. We’re building this podcast with and for the mining community.@ztownsend@meanwhilelife Follow JohnPaul BaricX / Twitter: @baricjohnpaulX / Twitter: MiningStore (@miningstore) on X Mining Managed Program by MiningStore is our proven mining formula that delivers constant returns:Bitcoin Managed Mining Program - MiningStore | Bitcoin Mining and Management Bitcoin Mining Hosting that deliversMiningstore HostingEarn Bitcoin at a 60% discount with Bitvault:To The Moon | Join the Green Bitcoin Revolution Are you looking for miners, managed mining, or hosting? Book a call:Schedule a Demo - MiningStore | Bitcoin Mining and Management