ABSTRACTSafeZen is a revolutionary decentralized insurance product with two major peer-to-peer insurance models- a zero-premium insurance model backed by community participants, and a pay-as-you-go insurance model backed by underwriters and governed by the SafeZen community members. In the zero-premium insurance model, each individual’s assets will simultaneously be covered and will underwrite the assets of other peers in the coverage pools within the SafeZen ecosystem against any future even...