# kaal:claim:4529715-021

**Claim.** True decentralization requires the absence of a primary decision-maker, which is very difficult for a decentralized insurance organization to achieve while it is still in its infancy.

**Type.** condition  **Support.** argued

**Holds when.**

- early stage decentralized insurance organizations

**Source quote.**

> Despite the potential benefits, decentralized insurance organizations face several challenges. First, true decentralization requires the absence of a primary decision-maker, which is difficult to achieve in an organization's infancy.

**From.** Wulf A. Kaal, Josh Bykowski, *Decentralized Autonomous Organizations (DAO) – A Market Meta Analysis* (2023), Decentralized Insurance, page 83

**Cite as.** Wulf A. Kaal, Josh Bykowski, Decentralized Autonomous Organizations (DAO) – A Market Meta Analysis (2023). SSRN: https://ssrn.com/abstract=4529715

**Verify.** sha256 of source PDF `2d71961e8c449afbeaf45ca4f53de8a575d45c77d6960b767d3d1d0874f296b5` at https://raw.githubusercontent.com/wulfkaal/Academic-Papers/main/papers/pdf/Kaal%20and%20Bykowski%20-%202023%20-%20Decentralized%20Autonomous%20Organizations%20%28DAO%29%20%E2%80%93%20A%20Market%20Meta%20Analysis.pdf

**Failure mode.** infancy-centralization  (family: recentralization-drift)

**Topics.** decentralization, institutional-design

**Keywords.** decentralized-insurance, decentralization, founder-control, organizational-lifecycle

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