# kaal:claim:3411897-031

**Claim.** Even if legacy insurers do enter the DApp market, their products may not fit the need, because actuarial methods for risk assessment under traditional insurance metrics are only partially compatible with rapidly evolving decentralized products.

**Type.** failure  **Support.** argued

**Holds when.**

- rapidly evolving decentralized products
- traditional actuarial risk assessment

**Source quote.**

> Actuarial methods for risk assessment under traditional insurance metrics may be only partially compatible with rapidly evolving decentralized products.

**From.** Wulf A. Kaal, *Decentralization - Past, Present, and Future* (2019), Part 3 / Unleashing the Power of Decentralization, page 37

**Cite as.** Wulf A. Kaal, Decentralization - Past, Present, and Future (2019). SSRN: https://ssrn.com/abstract=3411897

**Verify.** sha256 of source PDF `82f0aea026b3e3a526ec51bc073b3b864dc06cd9083ff9c54c550037045edaa9` at https://raw.githubusercontent.com/wulfkaal/Academic-Papers/main/papers/pdf/Kaal%20-%202019%20-%20Decentralization%20-%20Past%2C%20Present%2C%20and%20Future.pdf

**Failure mode.** actuarial-incompatibility  (family: valuation-and-pricing-failure)

**Topics.** research-methods, decentralization, defi, risk-and-incentives

**Keywords.** actuarial-methods, insurance, decentralized-underwriting, risk-assessment

**Related claims.**

- restates: https://wulfkaal.github.io/claims/3406323-026

**Canonical form.** This markdown file is the canonical hashed representation of the claim. Its sha256 is the content hash used for attestation.