Recent insurance industry turmoil has exposed vulnerabilities in trust-based models, eroding consumer confidence. This panel explores on-chain capital as a superior form of collateral, leveraging blockchain technology to back policies with transparent, verifiable digital assets. We'll discuss how this paradigm shift enhances security, reduces counterparty risk, and enables real-time liquidity verification for policyholders. The synergy between on-chain capital and smart contracts will be examined, showcasing the potential for automated operations, reduced human error, and increased savings. We'll also delve into tokenization use cases in insurance, exploring how crypto can improve policy issuance, claims processing, and risk transfer. Join us as we navigate the technical, regulatory, and market implications of these innovative approaches, poised to redefine trust and efficiency in tomorrow's insurance ecosystem.