In this episode of The Digital Executive, host Brian Thomas welcomes Mike Miglio, CEO and founder of DEIN, the decentralized marketplace transforming how risk and insurance function across the DeFi ecosystem. With a deep history in crypto law, blockchain protocols, and decentralized innovation, Mike brings firsthand insight into why insurance—at its core—is really about trust.

Mike explains how DEIN aims to replace reputation-driven DeFi risk assessment with transparent, on-chain market dynamics. Instead of relying on hype, VCs, or exchange listings, DEIN enables users to “put their money where their mouth is,” allowing free-market underwriting to determine real-time pricing, utilization, and perceived trustworthiness of any protocol. Built on modular, multi-chain architecture spanning more than 150 networks, DEIN makes it possible to add coverage for new chains and assets within minutes.

He also discusses the challenge of pricing risk in a rapidly evolving DeFi landscape—where only a decade of fragmented data exists—and how DEIN uses bonding-curve economics and siloed pools to maintain capital stability and underwriting discipline. As the platform scales globally, Mike shares how DEIN surfaces relevant risks based on wallet activity, ensuring users aren’t overwhelmed despite the platform’s massive coverage universe.

Looking ahead, Mike outlines the milestones needed for decentralized insurance to reach mainstream adoption, from launching a true autonomous DAO to eventually expanding into life, property, and real-world asset insurance. His long-term vision: DEIN becoming the trust backbone for global risk, where thousands of daily claims are adjudicated by token holders who earn income participating in a fully decentralized insurance economy—empowering users, not intermediaries.

A compelling discussion for anyone interested in DeFi, risk markets, blockchain governance, and the future of global insurance.

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