Asure Logo


We’re an innovative nonprofit that research and develop
decentralized social security network , and empowers people like you to understand and increase decentralization ability to improve the world.


About Asure

Asure is an open decentralized autonomous insurance platform built around openness, privacy and fairness, powered by blockchain innovation that brings together individuals, companies and governments in a digital world.
What is the Vision?

People around the world enjoy their lives without having to worry about any risks or losses.

Who is behind Asure?

The Asure team is a group of insurance and technology experts with decades of experience in the industry. We have worked on projects with Distributed Ledger Technology and projects with a focus on artificial intelligence in the context of insurance.

Why Asure Foundation?

It is the foundation's goal to showcase and assist in how solutions will be developed. Therefore the foundation is doing active research and will share their findings with the broader community by

  • proposing specifications (AIP)
  • providing reference implementations
  • ensure the future growth of the Asure platform

The main areas of research are social insurance and especially pay-as-you-go social security systems used by governments around the world.

How will we scale?

As former business and IT specialists, we have access to consulting companies that will help to accelerate the development in early stages of the project. Our CEO Paul Mizel has gained invaluable experience in team building strategies and activities for multiple clients in Germany as well as in Kiev, Ukraine.

We're also partnering up with well-established companies and international research communities within the insurance industry to build up an entire ecosystem around Asure.


"We will enable governments around the world to establish pay-as-you-go social security systems and assist in migrating existing ones to the Asure platform so they take advantage of the blockchain technology."

Paul Mizel, CEO
Pay-as-you-go social security systems

Many countries have social security systems providing basic needs to citizens who are unemployed, ill or retired.

Pay-as-you-go systems can be used to fund social security systems. Premiums will be used to pay benefits directly and no or a small reserve is build. Countries, in difference to private insurance companies, can guarantee continuous premiums by making social security systems mandatory and therefore don't need coverage capital.

Due to their scale and longevity, administrative expenses of social security systems are extremely high. By leveraging the blockchain technology and the Asure platform we are able to cut costs and build secure systems for million of people.

asure pension insurance
asure pension insurance
Advantages through the use of blockchain

The blockchain technology offers the benefits of traceability and cost-effectiveness. Put simply, a blockchain can be used to track the movement of goods, their origin, quantity and so forth. This brings about a new level of transparency to Asure ecosystems - simplifying processes such as ownership transfer and payments.

In addition to transparency, there are also advantages in reducing or avoiding unnecessary costs for IT infrastructure and reducing the costs for internal and external financial transactions, financial reporting and administration.

All transactions are cryptographically coupled and forgery-proof, which creates trust in the Asure ecosystem.

Case Study: German pay-as-you-go pension system

With the conversion to the so-called generation contract, it was possible to set up a pay-as-you-go pension system that for the first time made income and contribution-related wage compensation benefits possible in order to secure a livelihood in old age.

Today, the german pension system includes 53.8 million active insureds (Dec. 2015) and 20.9 million retirees (Jul. 2016). In 2016, the pension system was in charge of €295 billion from which €3.85 billion have been used for administrative expenses.

asure pension insurance
asure pension insurance
Governments, collaboration and research partners

We are looking for governments and collaboration partners around the world that are interested in introducing new social security systems. Also we are interested in shifting existing social security systems to the blockchain.

Please contact us via [email protected].

Asure dApp

The Asure dApp will become the reference implementation for dApps using the Asure protocol and platform. It will feature

  • a technical feasibility study of the german statutory pension system implemented on the Ethereum blockchain and the Asure protocol / platform.
  • a complete wallet implementation.
  • an overview and management of your insurance policies.
  • an insurance store to find and buy insurance policies.

Please try out the Asure dApp which runs currently on the Ethereum Rinkiby testnet.

This implementation is still very much a work in progress. It can be used for testing, but it should not be used for real funds. We do our best to identify and fix problems, and implement missing features.

Stay in touch

Don't miss the chance to receive the latest information to research and development of the decentralized social security network, our upcoming TGE, as well as upcoming events we will attend where you can ask in person any questions you have.

Team Asure

The Asure team is a group of insurance and technology experts with decades of experience in the industry. We have worked on cutting-edge blockchain-based projects and projects with focus on artificial intelligence in the context of insurances.
Paul Mizel (GER)
Founder & CEO

Paul Mizel
Paul holds a Master’s Degree with over ten years’ experience in insurance industry. Former Head of Innovation at Insurance Consulting Company. He and his innovation team in Germany and in Ukraine worked on blockchain-related projects since 2014.

Fabian Raetz (GER)
Founder & CTO

Fabian Raetz
Fabian has been working for more than 10 years at BROCKHAUS AG. In Paul Mizel’s innovations department he researched cutting edge technologies to improve the insurance industry. In his freetime he supports a number of open-source projects.

Gamal Schmuck (GER)
Founder & CFO

Gamal Schmuck
Gamal has over 5 years' experience in software development in insurance industry and authorities. As a certified Usability Engineer at Fraunhofer Institute, he started to focus mainly on usability engineering to create software which simplifies people's lives.

Andrey Kuchaev (GER)
Community Manager

Andrey Kuchaev
Andrey holds a Master of Science degree in Computer Engineering. He was working at Fraunhofer Institute where his interest in blockchain technologies has arisen. He worked on multiple projects for a major international insurance company.

Kersten Lorenz (GER)
Blockchain Expert

Kersten Lorenz
Kersten has a diploma in theoretical computer science and almost twenty years of experience in the design and creation of distributed systems. He has been working intensively with blockchain technology for over two years.

Ramazan Kunas (GER)
Blockchain Developer

Ramazan Kunas
Ramazan has over 10 years' experience in software development in several industries and authorities. He has seen businesses from several points of views. He also made Cryptomining and has a good understanding of Blockchain.

Suzannah Weiss (US)
PR Manager

Suzannah Weiss
Is a senior writer and editor and a regular contributor to New York Magazine, The Washington Post, Vice, Glamour, Bustle, Refinery29, Self, Men’s Health, The Establishment, Audiofemme, and more.

Igor Gutjahr (GER)
Business Operations

Igor Gutjahr
Is a senior analyst and technology specialist with more than 5+ years` in the technology industry.

Eugen Falkenstein (GER)
Team Manager

Eugen Falkenstein
Is a senior team manager and technology specialist with more then 10+ years` in technology industry.

Wetscheslaw Lipp (GER)
Blockchain Developer

Wetscheslaw Lipp
Is a senior blockchain developer with more than 5+ years` in the insurance industry.

Serhii Kirienko (UKR)
AI/Full Stack Developer

Serhii Kirienko
Is a middle full stack developer based in Kiev, Ukraine.

Serhii Yaremchuk (UKR)
AI/Full Stack Developer

Serhii Yaremchuk
Is a middle full stack developer based in Kiev, Ukraine.

Anastasia Scherbakova (UKR)
Full Stack Developer

Anastasia Scherbakova
Is a junior full stack developer based in Kiev, Ukraine.

Alexander Grünke (GER)

Alexander Grünke
Alexander is a junior social media specialist.

Patrick Möller (GER)

Patrick Möller
Patrick is a veteran of social media. He started his experience as an actor and comedian, has some famous social media channels in entertainment and is still operating successfully.

Anastasia Droganova (GER)
Office Manager

Anastasia Droganova
Is an office manager based in Dortmund, Germany.

Waldemar Stelle (GER)
Technical Support

Waldemar Stelle
Is a senior analyst with more than 5+ years` in the technology industry.


Emanuel Kuceradis(GB)
Technology Advisor

Emanuel Kuceradis
Emanuel has 20+ years’ experience in financial services sector in BI/BigData projects (UK, US, and China).

Alexander Böhner (GER)
Insurance Advisor

Alexander Böhner
Alexander is an insurance consultant with 10+ years’ of experience leading engineering teams and developing products and platforms. He worked as Programm Manager at Zurich Insurance SE, Gothar and Signal Iduna.

Michael Lurz (GER)
Insurance Advisor

Michael Lurz
Michael has 10+ years’ experience in insurance industry, especially in product development (health, legal, automotive, commercial).


  • Labs Research


    May 2014 - Blockchain Research
    First research projects in cooperation with University of Applied Sciences and Arts of Dortmund to investigate the possibilities of blockchain for insurance industry and the development of first prototypes.

    August 2015 - Artificial Intelligence Research
    First research projects about Artificial Intelligence, Machine Learning, Big Data, and Predictive Analytics.

    November 2016 - AI Kiev Labs
    Paul Mizel and his team started the development of a prototype for an AI-driven insurance advisor and full-automated chat assistant. He has also built up an office in Kiev and coordinated the efforts as a product manager to further accelerate the development.

    April 2017 - Smart Contract Research
    First research projects on the Ethereum blockchain platform and proof-of-concepts about smart contracts.

  • Start

    Phase 1: Asure & Minimum Viable Product

    Paul Mizel, Fabian Raetz, and Gamal Schmuck founded a new company to face new challenges and work on ideas that make the world a better place. With their expertise in the insurance industry, they felt the need for a new type of insurance based on the principles of DAO. Since then they are working on their vision which became Asure.

    Jun. 2018 - PoC
    PoC is done.

    Fall 2018 - ICO
    ICO Pre- and Main Sale.

    Fall 2018 - Exchange listing
    Exchange listings will be available after token-sale.

  • Development

    Phase 2: Develop platform and Minimum Viable Product

    The first Asure Improvement Proposals (AIPs) are released and the reference implementations of the platform and MVP are uploaded to the Ethereum testnet. The platform can be reviewed by the community and the first improvements can be established around the smart product lifecycle.

  • Launch

    Phase 3: Launch platform and grow community

    The platform is also published on the mainnet and the community can implement the first products on the platform. The Asure ecosystem is scaled in development and extended by the relevant tools: AsureScan, AsureWallet, AsureBot, AsureId, AsureClaims.

  • Operations

    Phase 4: Globalisation

    Due to the open and expandable design, the platform and the best products prevail through self-regulation and are widely used by individuals in the mainstream as well as by companies, authorities, and governments worldwide. Asure will become the industry leader in the decentralized autonomous insurance platform.

"Most people overestimate what they can do in one year and underestimate what they can do in ten years."


Asure is an open decentralized autonomous insurance platform, powered by blockchain innovation.
DAIO is short for decentralized autonomous insurance organization and is a specific form of DAO.
We believe there is tremendous opportunity for the blockchain to augment our current offerings and become the foundation across all of our products.

Asure chose to raise funds through an ICO/TGE because it is a better fit to our business model as a blockchain foundation that seeks to provide a decentralized autonomous insurance platform to the masses.
ASR is the utility token used to interact with the Asure platform and is based on the ERC20 specification.
The ICO will start in fall 2018.