Managing insurance platforms on a distributed ledger

A computer-implemented method for managing an insurance platform, the computer-implemented method comprising:

• generating digital currency tokens;
• exchanging a first portion of the digital currency tokens with an investor for a first fiat currency;
• designating a second portion of the digital currency tokens as a reserve;
• in response to determining that a funding period is over and a minimum funding requirement is met, determining a value of the digital currency tokens;
• receiving an insurance premium from an insurance policy holder, the insurance premium comprising a second currency;
• transferring a risk pool premium to an insurance policy risk pool, the risk pool premium comprising an amount of the insurance premium, the insurance policy risk pool associated with an insurance policy selected by the insurance policy holder;
• exchanging an amount of the risk pool premium for risk pool tokens, the risk pool tokens comprising an amount of the digital currency tokens of equal value to the amount of risk pool premium;
• in response to receiving an approved policy claim associated with the insurance policy, transferring a second amount of the risk pool premium to the insurance policy holder, the approved policy claim comprising a claim value, the second amount of risk pool premium comprising a value equal to the claim value;
• and
• exchange an amount of risk pool tokens for an amount of a third fiat currency of equal value, the amount of risk pool tokens comprising a value equal to the claim value;
• wherein the computer-implemented method is implemented on a distributed ledger