i.AM Innovation Lab Lays Groundwork for Wider ILS Investor Base with Reusable Tokenisation Platform

Why It Matters

Tokenisation reduces operational costs and opens ILS investments to institutional investors, potentially expanding liquidity and risk‑transfer capacity in the alternative‑asset market.

Key Takeaways

• i.AM turned pilot tokenised ILS into reusable institutional platform.
• Platform adds wallet infrastructure, multi‑signature governance, regulatory compliance.
• Enables large ILS deals, attracting funds and pension investors.
• Tokenisation cuts costs, automates processes, reduces intermediaries in alternative assets.
• Tradeable ILS tokens create secondary market, easing liquidity constraints.

Pulse Analysis

The i.AM Innovation Lab, a Swiss‑born fintech, has moved its tokenised insurance‑linked securities (ILS) solution from a bespoke 2024 pilot with Schroders Capital and Hannover Re to a reusable, institutional‑grade platform. The new system can handle substantially larger transactions, allowing funds and pension managers to invest directly through digital wallets. By embedding the tokenisation workflow into the partners’ existing ILS investment platforms, i.AM eliminates the need for custom development on each deal, accelerating time‑to‑market and lowering upfront engineering costs.

Key technical upgrades include dedicated wallet infrastructure for each partner, multi‑signature smart contracts that enforce multi‑party approvals, and a web‑portal user experience that abstracts blockchain complexity. The platform also satisfies heightened regulatory and compliance demands typical of large‑scale ILS deals, thanks to built‑in audit trails and immutable ledger records. These features demonstrate that distributed ledger technology can meet the rigorous standards of institutional investors while preserving the speed and transparency that tokenisation promises.

The broader impact is a potential reshaping of the alternative‑asset market. Tokenised ILS tokens are instantly tradable, creating a secondary market that mitigates the traditional lock‑up period of catastrophe bonds. Cost reductions stem from fewer intermediaries and automated settlement via atomic swaps, which also lowers operational risk. As more asset managers recognize these efficiencies, the ILS sector could see a surge in participation from diversified investors, driving liquidity, expanding risk‑transfer capacity, and accelerating the digital transformation of insurance finance.