基于区块链的全球相互保障 A Global Mutual Insurance Community Based on Blockchain Technology

查看白皮书White Paper
SHE特点SHE Features日语韩语
行业现状与痛点 Industry Current Status & Pain Points 日语 韩语








1High Risks: The ubiquitous risks of personal accident are usually ignored by a fair number of people. For example , the global total number of airline passengers in the world has reached 4 billion in 2016. However, the global total amount of aviation insurance premium in 2016 was only 1.2 billion dollars and the average insurance premium per person is only 0.3 USD, which means less than 10% passengers can benefit from the insurance.

2High Incidence: The incidence of critical illnesses, such as cancer, is surging due to environmental pollution, food safety problem, climate change and unhealthy lifestyle.

3High Premium: Commercial insurance is both expensive and has operating risk, due to the high sales commission and the poor operation and fund management ability of some insurance companies.

4Non-transparent: Traditional centralized mutual insurance communities lack transparency in operations and fail to establish trust with users in community as they cannot prove themselves fair and open. It is difficult for them to establish a real trust relationship with users.

5Insurance Fraud: Insurance fraud has been a common problem faced by all centralized insurance institutions (ie.insurance companies & centralized mutual societies).

6Risks of Privacy Protection: The hazard to user privacy protection is the common pain point of the centralized institution.

7Inflation: Inflation causes the decline of purchasing power of the indemnity.

解决方案 Solution 日语 韩语


2普惠大众:进入互助保障门槛低,普惠大众。例如:15万USDT保障额度的飞机、火车、轮船互助意外保障,加入社区只需交5个USDT等值的SHE(Shine Coin)。(而且,如没人发生事故,则用户账户中的SHE继续存在,互助保障责任继续有效,直至用户账户中的SHE经过若干事故扣除后余额不足,届时即可补充SHE至本人账户,以继续享有保障,也可选择不补充而退出互助社区。)




1Advanced Technology: Blockchain is a decentralized distributed ledger, featuring with consensus mechanism, openness and transparency, tamper-proof and high security, which makes it a credit-creating machine. Blockchain can be used to issue digital Tokens and carry out smart contracts.

2Public Beneficial: Low threshold of entering mutual insurance makes it easier to benefit the public. For example, the airline, train and maritime accident mutual insurance of 150,000 USDT indemnity requires only 5 USDT SHE (Shine Coin) when users join in the community. If no accident occurs to any member, the SHE Tokens will remain in the user’s insurance account and the insurance liability remains valid until the balance of user’s SHE account is insufficient. In this case, the user can either choose to top up the account to maintain the insurance or quit the mutual community.

3Openness & Transparency: All users in the community can check the digital asset in the community insurance account on the blockchain. The openness and transparency can create real trust with the community users.

4Reward and Punishment Mechanism: The selection of assessment agencies by community users and the payment details are publicized. The reward mechanism for reporting dishonesty is implemented in the community. All of these mechanisms can effectively maintain trust and solve fraud issues in the mutual community.

5Deflation Mechanism: As the community issues a constant number of Tokens, with an increasing number of users joining in the mutual insurance system, more Tokens will enter the lock-in pool, so SHE left in the secondary market will be gradually reduced. Furthermore, as the users are paid by the Tokens they purchased when they join the community, the users who joined earlier could receive more Tokens. The issue of fiat depreciation in traditional insurance industry can be effectively solved by this deflation mechanism of SHE token.

分配计划 Distribution Plan 日语 韩语


The Original Token of ShineChain: SHE, a total of 5 billion. The final distribution plan is shown in the right picture

  • 基石
  • 私募
    Private Placement
  • 基金会
  • 团队
  • 营销
实施时间表 Implementation Timetable 日语 韩语
  • 2017.Q4 2017.Q4 日语 韩语


    Starting the research of feasibility of ShineChain’s applications.



  • 2018.Q2 2018.Q2 日语 韩语


    Completing the test and the launch of the mutual system.



  • 2018.Q3 2018.Q3 日语 韩语


    Completing the docking development of mutual system and public chain interface.



  • 2018.Q4  2018, Q4 日语 韩语


    Completing the migration and applications of the whole data of the public chain.



  • 2019.Q2 2019.Q2 日语 韩语


    Completing the docking between the public chain and other business systems.



主要投资团队 Main  Investment  Team 日语 韩语
核心团队 Core  Team 日语 韩语
联系我们 Contact  Us 日语 韩语

Copyright © 2017-2019 SHINECHAIN 版权所有 ShineChain all right reserved