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HestiaX
Liquidity infrastructure for predictable insurance cashflows
Problem
Insurance Capital Is Locked When It's Needed The Most
Predictable Revenue
Late Liquidity
Insurers generate stable premium cashflows, but capital arrives too late to fund growth or manage volatility.
Existing Refinancing Is Broken
Bank financing is slow and bespoke. Securitization only works for Tier-1 insurers. Mid-market players are left behind.
Structural Inefficiency
No modern infrastructure exists to turn predictable receivables into usable capital at scale.
Business Proposition
For Insurers
  • Refinance premium and reinsurance receivables
  • Unlock liquidity without disrupting operations
  • Improve balance-sheet efficiency
  • Maintain underwriting focus
For Investors
  • Access insurance-backed cashflow products
  • Structured as compliant notes via regulated partners to predictable, diversified income streams
  • Secondary market trading via licensed venues
  • Institutional-grade infrastructure
What HestiaX Never Does
  • No underwriting risk
  • No balance-sheet exposure
  • No marketplace
What HestiaX Really Is
  • Pure infrastructure
The Solution
HestiaX provides standardized infrastructure for insurance cashflow refinancing, enabling repeatable and compliant execution at scale
Standard Structur-ing
Transform complex cashflows into investable formats using tokenization as infrastructure.
Regulated Execution
All issuance, distribution, and trading conducted through licensed distribution partners.
Scalable Model
Repeatable process designed for efficiency across multiple transactions.
How It Works
HestiaX serves as infrastructure connecting insurers with regulated capital markets, managing the entire lifecycle from structuring to reporting
Why Now
Capital Pressure
Insurers face increasing pressure to optimize capital allocation and balance-sheet efficiency.
Investor Demand
Growing institutional appetite for insurance-backed assets with predictable returns.
Regulatory Clarity
EU markets provide established frameworks for compliant digital asset infrastructure (MiFID II)
Technology Ready
Tokenization infrastructure has matured to production-grade institutional standards.
Proven Track Record & Execution Readiness
01
€300M+ Executed
Founding team has structured and closed €300M+ in private credit transactions using similar predictable cashflow infrastructure
02
MVP Complete
Core platform built, tested and ready for first insurance cashflows
03
Partner Pipeline Active
In advanced discussions with mid-market insurers and licensed distribution partners
Market Opportunity
Our Focus: Premium and reinsurance receivables from mid-insurers and MGAs, where capital is locked and refinancing is the most inefficient now
€7T
Global TAM
Trillions in recurring insurance receivables; we target the subset that is documented, predictable and financeable.
€2.1T
EU SAM
Eligible receivables within EU jurisdictions supported by licensed issuance and distribution partners.
€500M
2026 Focus
Execute first repeatable insurance refinancing programs, proving model and establishing partner-led infrastructure.
Same infrastructure applies across multiple insurance lines once first receivable type is live
Business Model
Transaction Fee
0.5%–1.0% of notional value. Success-based, paid at closing. Covers structuring and setup.
Servicing Fee
0.25%–0.75% annually on outstanding notional. Recurring revenue for reporting and portfolio management.
Revenue scales with transaction volume and assets servicing
Competitive Landscape
Existing solutions optimize risk. HestiaX optimizes liquidity.
Traditional Approach
  • Bank-led financing
  • Manual securitization
  • Reinsurance capital
  • High interest, slow execution
Why This Fails: Slow execution, opaque pricing, high friction, inconsistent access
HestiaX Advantage
  • Infrastructure-first design
  • Partner-led compliance
  • Standardized execution
  • Repeatable at scale
Result: Faster execution, transparent pricing, repeatable at scale without balance-sheet risk
Regulatory Approach
Infrastructure Only
HestiaX does not act as an exchange, broker or marketplace. We do not sell, place or trade securities.
Licensed Partners
All issuance, distribution, custody and secondary trading executed through regulated financial institutions.
EU-First Strategy
Designed for regulated European markets with established digital asset frameworks. US expansion planned for later stages.
Institutional Controls
Enterprise-grade compliance, reporting and audit capabilities built into core infrastructure.
Team
The founding team brings deep expertise across fintech, blockchain, capital markets and insurance finance
Oleksandr Zeziulinskyi
CTO & Founder
The Winner of European Blockchain Convention Startup Battle 2025 in Barcelona (1st place out of 500 startups)
Built infrastructure enabling liquidity for €300M+ in private credit portfolios
Fundraising
€3M
Seed Round
18 month runway
Use of Funds
1
Product Development
Ship a platform and complete regulated-partner integrations
2
RUN Transactions
Run first end-to-end transactions
3
Commercial Execution
Convert pipeline into revenue
Key Milestones:
  • 5 mid-market insurers signed
  • €500M in insurance cashflow onboarded
  • Production go-live in Q3 2026
Modern Infrastructure for Insurance Finance
HestiaX is building the liquidity infrastructure for a large, conservative market with clear product-market fit and significant expansion potential.
1
Large Market
Trillions in addressable insurance cashflows
2
Proven Model
Team track record of €300M+ executed
3
Scalable Path
Infrastructure built for repeatable growth
Join us to unlock liquidity for the insurance industry
contact@hestiax.org