In 2022, insurance payouts for climate disasters lagged behind actual losses by over $100 billion — not because of money, but because of broken systems.
Traditional insurance is struggling to keep up with the climate crisis.
The systems were built for predictability: known risks, clear historical data, stable patterns. But we no longer live in that world.
As Dr. Scott Kelly points out, risk is now systemic — compounding, interconnected, and accelerating. And communities most at risk often have the least access to coverage.
This is why we’re building at the edge of two worlds: climate resilience and decentralized finance.
At Demeter Finance, we believe climate risk shouldn’t mean financial ruin — and that insurance payouts shouldn’t take months or be shrouded in red tape. Using smart contracts, our platform brings speed, transparency, and trust to climate coverage, particularly in underbanked regions.
Our decentralized risk pools do more than protect — they give providers upside through yield. It’s resilience as a shared asset class. 🌍🔁
This is more than innovation. It’s a needed redesign.
If you’ve been tracking where climate meets finance, you know the infrastructure needs to change. We’re not waiting — and if this resonates, you probably aren’t either.
