最新报道:DeFi's next evolution hinges on developing institutional-grade insurance models to unlock deeper capital pools and ensure resilience, as current mechanisms struggle with high capital costs, correlated risks, and limited actuarial data. While traditional insurance relies on diversified risks and the law of large numbers, DeFi requires layered solutions like parametric triggers, reinsurance pools, and capital tranching to address its unique vulnerabilities. Advanced risk modeling combining on-chain analytics, smart contract verification, and machine learning could bridge the gap, potentially attracting institutional investors through structured products that balance returns with solvency. A robust DeFi insurance market could transform the sector from experimental to foundational in global finance.