IAC InfoPort Directory

IAC™ Marketplace - Introduction

The IAC™ Marketplace is a pioneering global platform that transforms the way risk is retained, transferred, funded, and monetized. Built on a foundation of historic accomplishments, patented innovations, and decades of operational success across insurance, capital markets, and banking custody systems, the IAC Marketplace delivers unmatched security, scalability, and modularity.

The platform integrates advanced trust and custodian technologies, first developed by IGF Principals and formally enshrined in the landmark Investors Guaranty Fund, Ltd. (Policyholder Reserves) Act, 1991 (IGF Act). The IGF Act introduced the world’s first statutory bankruptcy-proof structure for "statutorily protected portfolios", establishing a precedent for protected portfolio frameworks such as Segregated Portfolio Companies (SPCs) and Series Limited Liability Companies (SLLCs) worldwide. This groundbreaking legislation, built on IGF’s proprietary Arengom technology, created resilient custodial systems that ensure policyholder liabilities remain fully segregated, ring-fenced, and backed by eligible government obligations held with government-approved custodians.

Prior to the IGF Act’s implementation, IGF Principals achieved a “AAA” Policy Rating for secondary market bondholder insurance of municipal bond obligations insured by Investors Guaranty Fund, Ltd., demonstrating the unmatched reliability of IGF’s structured approach to risk management. This achievement laid the foundation for the evolution of secure custodial and insurance structures, which today form the backbone of the IAC Marketplace. IAC™ Insurers, as successors to IGF, have since issued obligations that have consistently been rated in the highest categories by major international credit rating agencies, reflecting the platform’s commitment to financial integrity and risk security.

The IAC Marketplace is further strengthened by its pioneering innovations in insurance securitization—a globally patented invention by IGF Principals that enables the transformation of risk into tradable capital market instruments and digital assets. This transformative technology provides participants with the ability to retain, transfer, or monetize risks efficiently, creating liquidity, enhancing capital efficiency, and unlocking economic value.

Additionally, IGF Principals invented and prototyped a loss mitigation instrument, now referred to as FlexGIA™, which delivers a flexible, US Treasury-backed solution for capital preservation, regulatory capital optimization, and funding needs.

These accomplishments, rigorously tested and successfully implemented over decades in government finance, municipal infrastructure funding, insurance securitization, and banking trust and custody systems, provide the verifiable foundation that distinguishes the IAC Marketplace as the preeminent solution for addressing complex global risk and funding challenges.

Key Elements of the IAC™ Marketplace
1. Bankruptcy-Proof Framework
• Rooted in IGF’s Arengom technology and statutory protections under the IGF Act.
• Policyholder obligations are 100% backed by eligible government obligations held with certified custodians, ensuring unmatched structural integrity.
2. Patented Risk Transformation
• Insurance Securitization: A globally patented technology enabling risks to be converted into tradable financial instruments for capital market access.
• FlexGIA™: A floating-rate instrument backed by US Treasury-quality obligations, providing predictable returns and robust capital protection.
3. Advanced Trust and Custody Systems
• Proven frameworks that became the model for modern protected portfolio structures (e.g., SPCs and SLLCs) adopted worldwide.
• Established, verifiable systems for statutory compliance and regulatory alignment.
4. Highest Financial Ratings
• Demonstrated ability to achieve AAA Policy Ratings and placement of obligations in the highest credit categories of major international rating agencies.
5. End-to-End Risk Solutions
• Enables risks to be retained, transferred, or monetized through modular IAC Cube™ entities, capital market solutions, and digital infrastructure.

Conclusion
The IAC™ Marketplace represents the culmination of historic accomplishments, decades of operational success, and globally patented technologies that redefined risk transformation and custodial trust frameworks.

Its statutory bankruptcy-proof structure, pioneered innovations like insurance securitization and FlexGIA™, and consistent achievement of top credit ratings provide unmatched security, integrity, and financial stability for participants worldwide.

By combining proven solutions from government finance, capital markets, and banking systems with next-generation modular infrastructure, the IAC Marketplace empowers institutions, Sponsors, and governments to address the most challenging risk and funding needs efficiently, securely, and transparently.

DeRisk - Introduction

Summary for DeRisk Intro Site

The DeRisk Intro site serves as the entry point to IAC™ Marketplace and its ecosystem, offering an overview of how decentralized risk management, capital funding, and bespoke insurance solutions are implemented under the IGF System™.

It provides a concise understanding of the platform’s history, governance, digital transformation, and the role of IAC Cube™ entities in addressing complex risk challenges.

What You Will Learn
1. The IAC™ Marketplace Overview
• A global risk transformation platform that merges traditional insurance, capital markets, and cutting-edge digital infrastructure utilities.
• The platform enables risks to be retained, transferred, or monetized through secure, compliant frameworks under the IGF System™.

2. The IGF System™ and Its Legacy
• Built on the IGF Act (1991), which established the first bankruptcy-proof statutory framework for policyholder reserves.
• IGF’s foundational innovations include achieving AAA ratings for secondary market bondholder insurance and pioneering insurance securitization—now a core technology within the IAC Marketplace.

3. The IAC Cube™ Model
• Each IAC Cube™ combines three specialized insurers:
• IGI: General insurance for casualty, liability, and specialty risks.
• IFG: Financial guaranty solutions for credit enhancement and valuation protection.
• IGA: Life assurance and capital funding tools like FlexGIA™.

• These insurers operate as Digital Twins, integrating advanced infrastructure to connect risk, capital, and digital asset solutions.

4. Decentralized Autonomous Organizations (DAOs)
• The site explains the role of DAOs in enabling peer-to-peer participation among Market Participants.
• DAOs interact seamlessly with IAC Insurers, digital risk-linked assets, and global participants through secure, compliant networks.

5. IAC Currency Framework
• IAC™ digital currency units serve as a global risk currency within the Marketplace.
• These units simplify multi-currency transactions, premium payments, and claims adjudication, offering an efficient way to mitigate interest rate and currency risk.

6. Technology and Governance
• Highlights the Alliance iii.o Protocol, which provides a secure digital backbone for connectivity, storage, processing, and compliance.
• The IGF System™ Protocol governs all risk, funding, and operational activities within the Marketplace to ensure the highest levels of safety and security.

7. Participation and Sponsorship • Accredited Sponsors can form and govern their own IAC Cubes™ as a part of Risk Infrastructure as a Service™ (rIaaS™).
• Participants benefit from:
• Tailored risk solutions.
• Surplus generation through Risk-Linked Obligations™ and digital asset tools.
• Access to a global ecosystem of industry professionals, capital providers, and policyholders.

Why You Should Read This Document
The DeRisk Intro site provides a comprehensive overview of the IAC™ Marketplace, its history, and its role in transforming risk into value. It highlights:
• The proven legacy of IGF Principals in insurance innovation, including insurance securitization and capital funding instruments like FlexGIA™.
• The unique ability of the IAC Cube™ framework to deliver modular, compliant, and scalable risk management solutions.
• Opportunities for Sponsors, institutional investors, and market professionals to participate in a robust, decentralized global risk ecosystem powered by state-of-the-art technologies.

Whether you are exploring bespoke risk solutions, seeking secure capital funding, or looking to engage with a new generation of decentralized insurance markets, the DeRisk Intro site introduces the tools, pathways, and infrastructure to achieve your goals within the IAC™ Marketplace.

IGF Marketplace - Executive Summary

The information serves as a streamlined gateway to IAC™ Marketplace, offering an executive overview of its transformative capabilities in risk retention, transfer, funding, and monetization.

Built on the robust foundation of the IGF Act (1991) and decades of practical expertise, the platform provides Sponsors, institutional investors, and risk professionals with a next-generation Risk Infrastructure as a Service™ (rIaaS™) model.

The platform integrates advanced trust and custodian technologies, first developed by IGF Principals and formally enshrined in the landmark Investors Guaranty Fund, Ltd. (Policyholder Reserves) Act, 1991 (IGF Act). The IGF Act introduced the world’s first statutory bankruptcy-proof structure for "statutorily protected portfolios", establishing a precedent for protected portfolio frameworks such as Segregated Portfolio Companies (SPCs) and Series Limited Liability Companies (SLLCs) worldwide. This groundbreaking legislation, built on IGF’s proprietary Arengom technology, created resilient custodial systems that ensure policyholder liabilities remain fully segregated, ring-fenced, and backed by eligible government obligations held with government-approved custodians.

Prior to the IGF Act’s implementation, IGF Principals achieved a “AAA” Policy Rating for secondary market bondholder insurance of municipal bond obligations insured by Investors Guaranty Fund, Ltd., demonstrating the unmatched reliability of IGF’s structured approach to risk management. This achievement laid the foundation for the evolution of secure custodial and insurance structures, which today form the backbone of the IAC Marketplace. IAC™ Insurers, as successors to IGF, have since issued obligations that have consistently been rated in the highest categories by major international credit rating agencies, reflecting the platform’s commitment to financial integrity and risk security.

The IAC Marketplace is further strengthened by its pioneering innovations in insurance securitization—a globally patented invention by IGF Principals that enables the transformation of risk into tradable capital market instruments and digital assets. This transformative technology provides participants with the ability to retain, transfer, or monetize risks efficiently, creating liquidity, enhancing capital efficiency, and unlocking economic value.

Additionally, IGF Principals invented and prototyped a loss mitigation instrument, now referred to as FlexGIA™, which delivers a flexible, US Treasury-backed solution for capital preservation, regulatory capital optimization, and funding needs.

These accomplishments, rigorously tested and successfully implemented over decades in government finance, municipal infrastructure funding, insurance securitization, and banking trust and custody systems, provide the verifiable foundation that distinguishes the IAC Marketplace as the preeminent solution for addressing complex global risk and funding challenges.

Key Highlights
1. IAC™ Marketplace Overview
• A digital ecosystem integrating insurance, capital markets, and risk-backed financial solutions to address complex, global risks.
• Offers Sponsors the ability to form modular IAC Cube™ Insurers for bespoke risk transfer and surplus creation opportunities.

2. The IGF System™ Legacy
• Rooted in the pioneering IGF Act, ensuring a bankruptcy-proof statutory reserve framework.
• Patented technologies such as insurance securitization and tools like FlexGIA™ enable risk transformation into capital market instruments and digital assets.

3. Sponsor and Participant Opportunities
• Sponsors can establish IAC Cube™ entities without requiring equity ownership, benefiting from underwriting gains, residual interest participation, and technology revenues.
• Institutional investors and market professionals gain access to highly secure, government-backed instruments with opportunities for surplus generation.

4. Seamless Integration of Technology and Compliance
• The platform integrates digital twin infrastructure and the Alliance iii.o Protocol, ensuring operational efficiency, STAR (Securities, Tax, Accounting, Regulatory) compliance, and secure digital engagement.

Why Read This Document?
The site provides a concise, high-level perspective on the IAC™ Marketplace’s unmatched ability to transform risk into value through secure, compliant, and innovative solutions.

Whether a Sponsor, institutional investor, or risk professional, this document outlines how the platform’s proven technologies and modular frameworks can address complex risk and capital needs.

IAC™ ECOSYSTEM - Overview

Overall Summary of IACDeRisk – IAC™ Ecosystem Site

The IAC™ Ecosystem site serves as an introduction to the formation of IAC Cube™ entities by Sponsors, highlighting how each Cube establishes a localized Ecosystem within the broader IAC Marketplace Ecosystem.

It focuses on the convergence of insurance, capital markets, and digital assets to deliver a modular, technology-enabled infrastructure for managing complex risk, funding, and digital transformation solutions.

The site emphasizes the role of Sponsors, who initiate and operate IAC Cube™ entities, integrating bespoke insurance, assurance, and financial guaranty solutions within a highly secure and compliant framework.

It outlines the advanced technological, economic, and governance components supporting these Cubes, including Digital Twins, DAOs (Decentralized Autonomous Organizations), and the IAC Global Risk Currency.

Core Components of the IAC™ Ecosystem
1. IAC Cube™ – Modular Insurance and Funding Infrastructure Each IAC Cube™ is a trio of regulated insurers:
• IGI (Insurance): Focused on general and specialty insurance solutions.
• IFG (Financial Guaranty): Provides credit enhancement, bondholder protection, and risk-backed instruments.
• IGA (Assurance): Issues floating-rate instruments such as Flex GIA™ and other capital funding solutions.
These insurers are supported by:
• Digital Twins: Real-time digital replicas that automate policy issuance, governance, compliance, and risk management.
• Decentralized Frameworks: DAOs enable distributed governance and secure peer-to-peer interactions across nodes.

2. Sponsor Role and Ecosystem Creation The site clearly emphasizes the central role of Sponsors in the IAC™ Ecosystem:
• Sponsors Initiate IAC Cube™ Entities: Sponsors work within IAC protocols to configure Cubes tailored to bespoke risk and funding solutions.
• Ecosystem Expansion: Each IAC Cube™ becomes a localized ecosystem that operates autonomously within the IAC Marketplace, connecting participants, policies, and capital markets.
• Economic Opportunities: Sponsors gain access to:
• Digital Residual Certificates for long-term value participation.
• Revenue-sharing opportunities tied to Cube operations and policy issuance.
• Infrastructure tools and support for managing bespoke insurance and capital solutions. By creating localized ecosystems, Sponsors directly contribute to the growth and global expansion of the broader IAC Marketplace.

3. IAC Digital Infrastructure and Technology The IAC Ecosystem operates on state-of-the-art technology to enable secure, efficient, and automated risk management:
• DAOs (Decentralized Autonomous Organizations): Facilitate decentralized governance and risk-sharing frameworks, minimizing jurisdictional risk.
• IAC Digital Currency Units (DCUs): Designed as a global risk currency for premium payments, claims processing, and value transfers.
• Backed by statutory reserves, government obligations, and fiat currency. • Integrates seamlessly with IAC Cube™ operations to support liquidity and digital asset activities.
• Digital Infrastructure Utilities (DIUs): Provide gateways for secure communications, transactions, and storage across decentralized networks.
• Quantum ID and Encryption: Advanced quantum-secure technologies ensure data integrity and transactional security within the ecosystem.

4. Risk Transformation and Economic Incentives The IAC Ecosystem enables Sponsors to transfer, retain, or transform risk exposures into valuable assets:
• Risk Streaming and Securitization: Risks can be atomized, repackaged, and transformed into capital markets obligations, digital assets, and Flex GIA™ instruments.
• Digital Residual Certificates: Sponsors and participants receive long-term value derived from IAC Cube™ policy performance and growth.
• Capital Provider Participation: Capital providers gain access to policy-backed collateral, risk-linked obligations, and economic incentives facilitated through regulated custodial systems. These mechanisms allow Sponsors to unlock value from complex risks while creating sustainable revenue streams.

Key Value Propositions
1. Localized Ecosystem Creation: Sponsors configure IAC Cube™ entities to address bespoke risk and funding needs, creating autonomous ecosystems within the IAC Marketplace.
2. Technology-Enabled Infrastructure: Digital Twins, DAOs, and quantum-secure systems automate governance, compliance, and operations.
3. Global Risk Currency: The IAC Digital Currency Units (DCUs) provide liquidity and facilitate secure, efficient risk transactions.
4. Economic Incentives: Sponsors and participants benefit from Digital Residual Certificates, revenue-sharing opportunities, and risk-backed capital solutions.
5. Risk Transformation: The IAC Ecosystem transforms insurance and funding challenges into capital market opportunities and digital assets.

Potential Audience
1. Sponsors: Entities seeking to create and govern IAC Cube™ ecosystems tailored to bespoke risk and funding solutions.
2. Capital Providers: Investors interested in policy-backed collateral, residual value, and risk-linked obligations.
3. Insurance Professionals: Underwriters, brokers, and insurers engaging in modular, scalable risk solutions.
4. Global Innovators: Thought leaders and developers contributing to digital transformation, governance frameworks, and decentralized technologies.
5. IAC Marketplace Participants: Participants interacting within IAC Cube™ ecosystems for secure risk management and capital solutions.

DeRisk Marketplace Intro

DeRisk Core

DeRisk Cube

DeRisk DAOs

DeRisk Society | Sponsor

IAC™ Marketplace - DeRisk

Summary of IACDeRisk Website Content
The IACDeRisk site is a comprehensive deep dive into the IAC™ Marketplace and its digital infrastructure. It outlines the convergence of insurance, assurance, and financial guaranty with advanced technologies such as AI, Decentralized Autonomous Organizations (DAOs), and blockchain-like components. The platform positions itself as a cutting-edge solution for bespoke and intractable risks, leveraging digital infrastructure to connect traditional insurance markets with emerging decentralized finance (DeFi).

Core Components of IACDeRisk
1. IAC Marketplace as “risk Infrastructure as a Service” (rIaaS):
• The site introduces DeRisk, a platform that transforms risk acceptance, mitigation, retention, and diversification into modular services.
• By integrating statutory-backed insurance securitization, the IAC Marketplace offers unparalleled risk solutions to Sponsors, insurers, and institutional participants.
2. The IAC Cube™ Framework:
• IAC Cube™ consists of three modular insurers (assurance, insurance, financial guaranty) under the IGF Act (1991), creating a bankruptcy-proof infrastructure utility.
• Each IAC Cube™ is mirrored as a Digital Twin, enabling automated, AI-driven administration while maintaining Bermuda-regulated legal frameworks.
3. Decentralized Autonomous Organizations (DAOs):
• DAOs serve as the governance and transactional frameworks, connecting participants through decentralized networks and ensuring jurisdictional risk mitigation.
• The integration of DAOs facilitates peer-to-peer transactions, underwriting diversification, and efficient governance for complex insurance and financial contracts.
4. IAC Digital Infrastructure Utilities (DIUs): •
The DIUs provide advanced technology services and components (e.g., Calypso™ Cubes, Pegasus™ frameworks) for digital governance, policy issuance, and data security.
• DIUs enable seamless interaction between traditional market participants and emerging DeFi systems.
5. Global Risk Currency (IAC):
• The IAC Digital Currency Units (DCUs) are proposed as a global risk currency, backed by statutory reserves and IAC Cube™ operations.
• IAC aims to provide liquidity for policies, facilitate micro-risk exposures, and act as a payment gateway across DAOs and IAC Marketplace participants.
6. AI-Driven Operations: • Leveraging advanced AI technologies, IACDeRisk automates policy issuance, claims handling, surplus management, and governance processes.
• AI advancements reduce human interface and administrative overhead, ensuring efficient risk management and operational continuity.

Potential Audiences
1. Institutional Investors: • Attracted to IAC Cube™ capabilities for bespoke risk solutions and high-security instruments (FlexGIA™ Policies, risk-backed debt).
• Interest in participating in DAOs, underwriting programs, and surplus funding opportunities.
2. Risk Sponsors:
• Entities looking to Sponsor an IAC Cube™ to mitigate, transfer, or retain complex risk exposures through customizable solutions.
3. Insurance Professionals and Underwriters:
• Engage as Underwriting Members, leveraging DAOs to diversify risk portfolios, access tailored policies, and benefit from micro-risk opportunities.
4. Regulators and Governance Bodies:
• Bermuda-regulated frameworks ensure cross-border compliance, enhancing trust and scalability for Sponsors and institutional participants.
5. Technology Innovators and Fintechs:
• Opportunities for collaboration in building and integrating advanced AI, DAOs, and decentralized infrastructure components.

Key Value Propositions
1. Unmatched Security:
• Policies are backed by statutory reserves and government obligations, ensuring 100% payment capability for total losses.
2. Bespoke Risk Solutions:
• Sponsors can configure IAC Cubes™ to address unique, complex, or high-value risks that traditional markets cannot accommodate.
3. Global Decentralized Infrastructure:
• DAOs and digital components ensure jurisdictional resilience, global scalability, and efficient risk transfer mechanisms.
4. AI-Driven Efficiency:
• The use of AI reduces operational friction, automates processes, and enhances transparency for Sponsors and policyholders.
5. Liquidity and Global Risk Currency:
• IAC Digital Currency Units (DCUs) facilitate seamless risk monetization and diversification within the IAC Marketplace.

Summary of IAC Core-Marketplace
The IAC Core-Marketplace highlights the foundational role of Investors Guaranty Fund, Ltd. (IGF), its three specialized insurance subsidiaries, and two service entities, which together provide core operational services and internal marketplace reinsurance for the IAC™ Marketplace.

This interconnected structure enables the seamless operation of IAC Cube™ entities, offering tailored insurance, assurance, financial guaranty solutions, and advanced digital infrastructure to address complex risk and funding needs.

Core Components and Highlights
1. IGF as the centre of the IAC Marketplace • Investors Guaranty Fund, Ltd. (IGF):
• Established in 1985, IGF serves as the core governance and operational entity for the IAC™ Marketplace.
• It provides essential oversight, treasury services, and intra-market reinsurance, ensuring financial stability for IAC Cube™ operations.
• IGF’s statutory foundation under the IGF Act (1991) guarantees bankruptcy-proof policy structures backed by government-approved assets.
• IGF’s Core Insurance Subsidiaries: The three modular insurers form the IAC Cube™, offering a full spectrum of risk and funding solutions:
• Investors Guaranty Insurance (IGI):
• General insurance and specialty risk solutions for enterprises and complex exposures.
• Investors Financial Guaranty (IFG):
• Financial guaranty insurance, including bondholder protection, credit enhancement, and performance risk solutions.
• Investors Guaranty Assurance (IGA):
• Life assurance, capital funding solutions, and floating-rate instruments such as Flex GIA™ Policies to stabilize portfolios.
• IGF’s Service Entities: Supporting IAC Cube™ entities with essential services:
• IGF Operations: Administrative support for risk management, treasury functions, and statutory compliance.
• Dystance™ Infrastructure: A digital infrastructure and IT provider supporting cloud-based operations, AI automation, and secure governance systems.

Together, IGF, its three insurance subsidiaries, and two services entities deliver a comprehensive operational backbone, enabling IAC Cube™ entities to focus on efficient risk acceptance, retention, and funding strategies.

2. Internal Marketplace Reinsurance • IGF and its subsidiaries provide internal reinsurance for the IAC Marketplace:
• Enables risk diversification and retention strategies across multiple IAC Cube™ entities.
• Reduces volatility and ensures stability for high-value and multi-year policy exposures.
• Facilitates surplus management and underwriting continuity within the IAC ecosystem.

3. The IAC Cube™ Structure
At the core of the IAC Marketplace is the modular IAC Cube™, a trio of insurers mirrored by Digital Twins to automate operations:
• IGI (Insurance): Provides general risk coverage for enterprises and unique exposures.
• IFG (Financial Guaranty): Focuses on credit risk, performance guarantees, and bondholder support.
• IGA (Assurance): Offers capital solutions and life assurance backed by Flex GIA™ and other valuation protection instruments.

Each IAC Cube™ benefits from the internal marketplace reinsurance and core services provided by IGF, ensuring policy security, surplus growth, and operational resilience.

4. Technology and Infrastructure
IGF integrates cutting-edge digital infrastructure to support the IAC Marketplace:
• Digital Twins: Mirror IAC Cube™ entities to enable AI-driven administration, automated governance, and seamless STAR (Securities, Tax, Accounting, Regulatory) compliance.
• DAGChain™: A next-generation metadata ledger for managing policies, reserves, and risk-backed instruments.
• DAOs (Decentralized Autonomous Organizations): Facilitate governance, risk-sharing, and participant interaction across jurisdictions.

5. Key Capital Solutions
IGF and its subsidiaries provide bespoke capital instruments to fund IAC Cube™ operations and support global market participation:
• Flex GIA™: A floating-rate guaranteed investment agreement for portfolio stabilization and project finance.
• Risk-Linked Products: Tradable debt, equity, and digital assets linked to specific insurance policies or risk exposures.
• Policy Collateral: Senior-ranking collateral structures for large-scale risk transactions.

Value Propositions
1. Core Operational Stability: IGF and its insurance subsidiaries provide essential governance, reinsurance, and treasury services for IAC Cube™ entities.
2. Integrated Reinsurance: Internal marketplace reinsurance enables efficient risk diversification and surplus management.
3. Modular Insurance Solutions: IGI, IFG, and IGA collectively address general, financial guaranty, and life assurance risks.
4. Advanced Digital Infrastructure: Digital Twins, DAGChain™, and DAOs enable secure, automated, and compliant operations.
5. Capital Innovation: Flex GIA™ and other risk-linked products deliver tailored funding solutions for institutional participants.

Potential Audience
1. Policy Sponsors: Entities looking to establish and operate IAC Cube™ entities for bespoke risk retention and funding strategies.
2. Institutional Investors: Seeking secure, floating-rate instruments (e.g., Flex GIA™) and risk-backed capital opportunities.
3. Reinsurance Professionals: Engaging in internal marketplace reinsurance and surplus allocation.
4. Technology Partners: Innovators integrating AI, governance automation, and decentralized systems.

Conclusion
The IAC Core-Marketplace positions IGF as the foundation of the IAC Marketplace, delivering essential services, reinsurance, and capital support through its three insurance subsidiaries and two core service entities. By integrating modular IAC Cube™ insurers with cutting-edge digital infrastructure, IGF ensures operational stability, policy security, and unparalleled scalability for risk solutions.

Summary of IAC Cube™ Marketplace
The IAC Cube™ Marketplace document presents the IAC Cube™ as the foundational operational and technological unit of the IAC Marketplace. It emphasizes how the IGF System™, IAC ISO, and IGF Core collectively enable Sponsors to access modular insurance, assurance, and financial guaranty solutions under the IAC™ ecosystem. The integration of Digital Twins and the digital infrastructure framework further supports governance, operations, and policy administration for each IAC Cube™.

Core Components of the IAC Cube™ Marketplace
1. The IAC Cube™ Structure
• Three Insurer Framework: Each IAC Cube™ comprises three IAC™ Insurers:
• Insurance (IGI): General insurance and reinsurance for risk mitigation.
• Assurance (IGA): Life assurance and capital funding solutions.
• Financial Guaranty (IFG): Credit enhancement and performance guarantees.
• Digital Twin Integration:
• Every IAC Cube™ operates as a series of four Digital Twins, including an Administration Node to manage policy issuance, operations, and governance.
• Digital Twins automate STAR compliance (Securities, Tax, Accounting, and Regulatory) while supporting seamless operations for each IAC Cube™ entity.

2. IGF Core and IAC ISO
• IGF Core: Provides essential operational technologies, reinsurance, and administrative services to IAC Cube™ entities. IGF also retains its role as the guarantor of compliance under the IGF Act (1991).
• IAC ISO:
• The ultimate parent of all IAC Cube™ operations.
• Owns and governs IAC Cube™ Insurers and their corresponding Digital Twins.
• Manages long-term contracts for Sponsors, including residual tariff schedules, management bonuses, and access to IAC Marketplace facilities.

3. IAC Cube™ Governance and Operations
• Sponsor Role:
• Accredited Sponsor Groups can apply to form an IAC Cube™ and gain access to its operational and market rights.
• Sponsors participate in onboarding, governance, and revenue-sharing through Digital Residual Certificates.
• Board of Directors:
• Each IAC Cube™ is governed by a 5-person Board of Directors with no controlling interests.
• Policies and operations adhere to the IAC™ Rules and Regulations of the IGF System™ and Bermuda’s regulatory requirements.
• Onboarding Process:
• Step 1: Introduction by IAC Society Fellows.
• Step 2: Submission of application (business plan, protocol use, onboarding funds).
• Step 3: IAC Society™ review and Bermuda Monetary Authority (BMA) licensing approval.
• Step 4: Registration, “birthing” of Digital Twins, and operational launch.

4. Economic Benefits of the IAC Cube™
• Revenue Allocation:
• IAC Cube™ retains a percentage of IAC Marketplace technology, service, and transactional fees for operations.
• Management Bonus Pools are allocated to incentivize Sponsor performance.
• Digital Residual Certificates:
• 50% of residual certificates from policies issued are allocated to IGF, with a portion used to acquire IAC Digital Currency Units (DCUs).
• The remaining 50% flows to IAC ISO, with negotiated participations allocated to Sponsors and the IAC Society™.

5. Technology-Enabled Operations
The IAC Cube™ relies on state-of-the-art technologies to automate and manage its operations:
• Digital Twins: Create digital replicas of each IAC Insurer for AI-driven automation and compliance.
• Decentralized Framework (DAOs): Facilitate governance, risk-sharing, and participant collaboration.
• STAR Compliance: Ensures Securities, Tax, Accounting, and Regulatory obligations are seamlessly met.
• Digital Currency Units (DCUs): Enable liquidity, payments, and residual value transfers across the IAC Marketplace.

Key Value Propositions
1. Operational Stability: IGF Core provides foundational support through statutory reserves, reinsurance, and administrative functions.
2. Governance Assurance: IAC Cubes™ are governed under strict IAC System™ protocols and Bermuda regulatory oversight.
3. Sponsor Engagement: Sponsors gain long-term operational rights, residual participations, and access to revenue-sharing opportunities.
4. Advanced Technology: Digital Twins and decentralized systems (DAOs) enable real-time operations, transparency, and efficiency.
5. Revenue Optimization: The IAC Cube™ retains operational revenue and shares in Marketplace fees, providing sustainable profitability.

Potential Audience
1. Sponsors and Investors: Accredited groups seeking access to IAC Cube™ facilities for tailored risk solutions and market participation.
2. Policyholders and Enterprises: Organizations requiring bespoke insurance, assurance, and financial guaranty services.
3. Governance Bodies and Regulators: Entities ensuring adherence to Bermuda’s IGF Act and global compliance standards.
4. Technology Innovators: Collaborators contributing to Digital Twin, DAO, and STAR-compliant infrastructure.

Summary of IAC DAOs Marketplace
The IAC DAOs Marketplace introduces Decentralized Autonomous Organizations (DAOs) as a key governance, risk management, and operational layer within the IAC Marketplace ecosystem. It emphasizes how DAOs mitigate jurisdictional risks, enable secure peer-to-peer (P2P) interactions, and create decentralized governance frameworks for IAC Marketplace Participants, Underwriting Members, and Sponsors.

Core Concepts and Components
1. What is a DAO?
• A Decentralized Autonomous Organization (DAO) is defined as a network of:
• HUMANs (natural legal persons).
• Non-Natural Legal Persons (e.g., corporations or juridical entities).
• INTELLIGENCEs (digital intelligences, recognized in jurisdictions like the UAE).
• Tangible and intangible nodes, assets, and participants.
• Decentralized: No central control or single jurisdictional point of failure.
• Autonomous: Governed by pre-defined rules (similar to bylaws) requiring participant consensus for changes.
• Organization: A flexible assembly of nodes, participants, and assets interacting in a peer-to-peer (P2P) or node-to-node manner.

2. Purpose and Benefits of IAC DAOs
IAC DAOs are designed to:
• Mitigate jurisdictional risks for international transacting by creating networks that may be ajuridical (not tied to a geographic jurisdiction).
• Enable secure P2P and node-to-node interactions for participants in the IAC Marketplace.
• Provide governance for IAC Cube™ operations, Digital Twins, and policy administration.
• Enhance operational efficiency through distributed decision-making.

3. Types of IAC DAOs
IAC DAOs serve various purposes within the IAC Marketplace, connecting participants, policies, and digital infrastructure.
1. IAC Marketplace DAO
• Serves as the central DAO connecting:
• IAC™ Accredited Underwriting Members.
• IAC Marketplace Participants.
• IAC Society™ Members.
• IAC Digital Currency Unit (DCU) Holders.
• Ensures secure and transparent interactivity while mitigating jurisdictional risks through DAO-to-DAO bridges.

2. IAC Cube™ DAO
• Focused on the governance and administration of IAC Cube™ entities and their Digital Twins.
• Provides secure connectivity between:
• The three IAC Insurers’ Digital Twins (IGI, IFG, IGA).
• The IAC Cube™ Administration Digital Twin.
• Ensures compliance with Bermuda’s IGF Act, offering a geographically defined DAO with jurisdictional governance.

3. Policy DAO
• Specific to policy-level governance for risk management, issuance, and compliance.
• Supports policy-related activities by connecting to IAC Cube™ operations and Digital Twins.

4. IGX DAO
• Facilitates interconnectivity between nodes and external participants using APIs and registry services.
• Supports Know Your Counterparty (KYC) due diligence and participant credential management.
• Designed as a registry and gateway for IAC-related DAOs.

4. Jurisdictional Risk Mitigation
• DAOs minimize jurisdictional risk by operating through decentralized networks that lack a central point of control.
• IAC Marketplace Participants interact via DAO-to-DAO bridges, enabling transactions and governance without geographic jurisdictional dependencies.
• For policy-related activities, the IAC Cube™ DAO and Policy DAO maintain jurisdictional governance under Bermuda’s IGF Act.

5. Technology Infrastructure
• Serverless Networks: DAOs leverage serverless architectures with ad-hoc nodes and atomized processing, enabling distributed and resilient operations.
• Digital Twins: DAOs interact with IAC Cube™ entities mirrored in Digital Twins for real-time automation and AI-driven compliance.
• IGX APIs: Facilitate secure and interoperable communication between network participants, nodes, and DAOs
.
Value Propositions
1. Jurisdictional Risk Mitigation: IAC DAOs create decentralized networks with ajuridical attributes, reducing geographic risk exposure for global participants.
2. Decentralized Governance: DAOs enable transparent, consensus-driven governance for policies, IAC Cube™ entities, and operational nodes.
3. Secure Interactions: P2P and node-to-node frameworks ensure secure and efficient communication, reducing reliance on intermediaries.
4. Technology Integration: Leveraging Digital Twins, APIs, and serverless infrastructure enhances automation, scalability, and compliance.
5. Global Participant Access: DAOs bridge jurisdictional boundaries, enabling seamless participation for underwriters, sponsors, and IAC Society™ members.

Potential Audience
1. Sponsors and Policyholders: Gain access to decentralized governance for IAC Cube™ entities and policies while mitigating jurisdictional risks.
2. Institutional Investors: Benefit from secure P2P transactions and enhanced governance mechanisms for risk-linked instruments.
3. Technology Innovators: Engage in the development of DAOs, Digital Twins, and decentralized infrastructure to support IAC Marketplace operations.
4. IAC Marketplace Participants: Underwriters, brokers, and advisors interact through DAOs for efficient and transparent risk management.

Summary of IAC™ Society|Sponsor Marketplace
The IAC™ Society | Sponsor Marketplace highlights the formation of a trusted global membership-based association that fosters innovation, governance, education, and the expansion of the IAC™ Marketplace. It serves as the critical bridge between Sponsors, participants, and advanced digital technologies such as DAOs and Digital Twins.

While the IAC Marketplace leverages trustless digital infrastructure for automation and efficiency, the IAC Society focuses on the human relationships and governance structures that underpin the Ecosystem. This combination ensures sustainable growth, integrity, and operational excellence.

Core Themes and Highlights
1. Purpose and Mission of the IAC™ Society
The IAC™ Society serves as the trusted governance and facilitation body for the IAC Marketplace. Its core mission includes:
• Supporting Sponsors in the formation and operation of IAC Cube™ entities.
• Ensuring quality assurance and compliance for marketplace participants.
• Facilitating innovation in risk solutions, funding mechanisms, and governance frameworks.
• Acting as ambassadors to foster the growth and education of IAC Marketplace participants globally.

The IAC™ Society creates a balance between human trust and digital transformation, ensuring the stability and scalability of the IAC Marketplace.

2. Role of Sponsors in the IAC Society
Sponsors are central to the IAC Marketplace’s operation and expansion.

The IAC Society provides Sponsors with the tools, expertise, and collaborative support necessary to configure and operate their IAC Cube™ entities successfully.
• Sponsor Benefits:
• Access to IAC Cube™ formation processes, including policy issuance, capital structuring, and risk transformation.
• Participation in Digital Residual Certificates, which generate economic value tied to IAC Cube™ operations and policy issuance.
• Long-term governance rights and opportunities to shape the evolution of the IAC Marketplace.
• Direct support from IAC Society Fellows and Associates during onboarding, licensing, and operational phases.
• Sponsor Responsibilities: • Initiate and govern bespoke IAC Cube™ operations.
• Align risk retention, funding, and growth strategies with IAC Society governance protocols.
• Actively participate in revenue-sharing and marketplace expansion efforts.

The IAC Society positions Sponsors as key drivers of modular innovation within the IAC Marketplace, providing them with the flexibility to manage risk solutions while benefiting from advanced governance frameworks.

3. Role of the IAC™ Society in the IAC Marketplace
The IAC™ Society provides oversight, innovation, and education to support the success of Sponsors and participants:
1. Governance and Quality Assurance:
• Ensures Sponsors and participants adhere to IAC Rules and Regulations.
• Facilitates recommendations for systemic improvements to safeguard integrity.
2. IAC Cube™ Facilitation:
• Society members guide Sponsors through the formation, licensing, and operational launch of IAC Cube™ entities.
• Support includes onboarding, policy issuance design, and residual allocation optimization.
3. Innovation and Risk Transformation:
• The Society identifies opportunities to apply modular technologies (e.g., Flex GIA™ Policies and Risk-Linked Obligations™) to solve complex funding and risk challenges.
4. Ambassador Network:
• Members serve as global ambassadors, promoting the adoption of IAC Cube™ entities, risk transformation technologies, and governance solutions.
5. Economic Participation and Incentives:
• Sponsors and Society members benefit from:
• Digital Residual Certificates tied to long-term IAC Cube™ policy performance.
• Revenue-sharing from marketplace activity and risk solutions.
• Opportunities to leverage IAC Digital Currency Units (DCUs) for marketplace liquidity and value distribution.

4. Membership Structure and Classes
The IAC™ Society offers five membership classes designed to support Sponsors and expand marketplace participation:
1. Foundation Members: Non-profit foundations funding long-term initiatives.
2. Senior Fellows: Governance leaders and IAC Principals overseeing system integrity.
3. Fellows: Innovators, educators, and key participants driving marketplace growth.
4. Associates: Individuals and organizations actively supporting Sponsors and Society initiatives.
5. Appointed Members: Specialists, experts, and academics contributing to marketplace innovation and education.
Each class plays a role in fostering collaborative governance, ensuring Sponsors have access to the expertise and tools needed to configure successful IAC Cube™ operations.

5. Trusted DAO Infrastructure
The IAC™ Society is evolving into a Decentralized Autonomous Organization (DAO) to merge trust-based human governance with automated digital infrastructure:
• Flat Governance: Decisions are made through consensus-based protocols and contributions.
• Transparent Voting: Rules and proposals are voted on using digital governance protocols.
• Sponsor Engagement: Sponsors and Society Fellows actively participate in shaping IAC Rules and marketplace frameworks.

Key Value Propositions
1. Sponsor-Centric Support: The IAC Society empowers Sponsors to form, operate, and optimize IAC Cube™ entities through guidance, governance, and innovation support.
2. Human-Governance Balance: Combines trust-based relationships with decentralized frameworks (DAOs) to ensure operational and regulatory integrity.
3. Economic Incentives: Sponsors benefit from Digital Residual Certificates, revenue-sharing, and long-term marketplace participation.

4. Quality Assurance: The Society safeguards integrity, compliance, and innovation across the IAC Marketplace.
5. Global Expansion: Society members act as ambassadors to promote IAC Cube™ adoption and risk transformation solutions worldwide.

Potential Audience
1. Sponsors: Key drivers of IAC Cube™ formation and marketplace operations.
2. Institutional Investors: Stakeholders seeking economic participation and funding solutions through IAC Society-backed governance frameworks.
3. Innovators and Developers: Technology and financial professionals contributing to risk solutions and digital transformation.
4. Risk Professionals and Policyholders: Enterprises engaging in bespoke insurance and financial guaranty solutions.

Conclusion Summary of IACDeRisk – IAC™ Marketplace Site
The IACDeRisk site provides a comprehensive and in-depth exploration of the IAC™ Marketplace as the next-generation infrastructure for global risk management, insurance, and capital solutions. It emphasizes how the IAC Marketplace integrates modular risk technologies, trusted human governance, and advanced digital infrastructure, such as DAOs (Decentralized Autonomous Organizations) and Digital Twins, to deliver bespoke solutions for complex and intractable risks.

The site is structured to demonstrate the interconnected components of the IAC Marketplace, highlighting the roles of Sponsors, participants, modular IAC Cube™ entities, and supporting governance frameworks like the IAC™ Society. By bridging traditional insurance practices with cutting-edge decentralized technologies, the IAC Marketplace serves as a risk Infrastructure as a Service (rIaaS) platform, enabling participants to mitigate, retain, transform, and trade risks in an efficient, compliant, and scalable manner.

Core Themes of the IAC™ Marketplace
1. IAC Cube™ – Modular Risk Infrastructure
At the heart of the IAC Marketplace is the IAC Cube™, a modular structure composed of three specialized insurers:
• IGI (Investors Guaranty Insurance): General insurance and reinsurance solutions.
• IFG (Investors Financial Guaranty): Credit enhancement, bondholder guarantees, and performance risk coverage.
• IGA (Investors Guaranty Assurance): Capital funding and valuation protection through instruments like Flex GIA™.

Each IAC Cube™ entity is mirrored by Digital Twins to automate governance, STAR (Securities, Tax, Accounting, and Regulatory) compliance, and real-time policy administration. This modular approach allows Sponsors to configure tailored insurance, assurance, and financial guaranty solutions that address unique risk challenges.

2. Role of Sponsors in the IAC Marketplace
The site emphasizes the central role of Sponsors as key participants who drive the formation and operation of IAC Cube™ entities.
• Sponsor Benefits:
• Access to the IAC Marketplace’s tools, governance, and infrastructure for bespoke risk solutions.
• Participation in economic incentives like Digital Residual Certificates and revenue-sharing linked to policy performance.
• Long-term governance and operational control through collaboration with the IAC Society and Digital Twins.
• Sponsor Lifecycle: • Sponsors are guided through a structured process of onboarding, licensing, configuration, and optimization of their IAC Cube™ operations.

3. Trusted Human Governance – IAC™ Society
The IAC™ Society serves as the trusted governance and facilitation body for the IAC Marketplace, balancing human relationships with advanced digital infrastructure.
• Core Functions:
• Supports Sponsors during IAC Cube™ formation and licensing.
• Ensures operational integrity, quality assurance, and STAR compliance.
• Drives innovation, education, and expansion of the IAC Marketplace globally.
• Membership Structure:
• Includes Foundation Members, Senior Fellows, Fellows, Associates, and Appointed Members who collaborate to promote governance and marketplace growth.
• DAO Integration:
• The Society operates as a Decentralized Autonomous Organization (DAO), ensuring transparent and consensus-driven decision-making for Sponsors and participants.

4. Advanced Digital Infrastructure
The IAC Marketplace integrates cutting-edge digital technologies to enhance scalability, security, and governance:
• Digital Twins: Real-time digital replicas of IAC Cube™ entities to automate operations, governance, and compliance.
• DAOs (Decentralized Autonomous Organizations): Flat, decentralized governance models that facilitate secure peer-to-peer interactions and mitigate jurisdictional risks.
• DAGChain™: A next-generation ledger system for managing metadata, policies, and risk-backed instruments.
• IAC Digital Currency Units (DCUs): Proposed as a global risk currency to enable liquidity, policy payments, and value transfers across DAOs and participants.

5. Economic Incentives and Risk Transformation
The IAC Marketplace offers robust economic incentives for Sponsors, participants, and investors:
• Digital Residual Certificates: Long-term value instruments tied to policy issuance and marketplace growth.
• Flex GIA™ Policies: Floating-rate investment instruments that stabilize portfolios and provide valuation protection.
• Risk-Linked Instruments: Tradable securities and digital assets backed by policies and modular risk structures.
These tools enable participants to transform and monetize risks, creating a liquid and dynamic risk infrastructure market.

Key Value Propositions of the IAC Marketplace
1. Modular and Scalable Risk Solutions: The IAC Cube™ enables Sponsors to configure bespoke insurance, assurance, and financial guaranty products tailored to complex risk needs.
2. Sponsor-Centric Ecosystem: Sponsors benefit from guided onboarding, operational tools, and long-term governance through IAC Society facilitation.
3. Trusted Governance with Digital Automation: The IAC Society combines trusted human relationships with DAO-driven decentralized governance to ensure compliance and operational integrity.
4. Economic Participation and Incentives: Participants access revenue-sharing opportunities, Digital Residual Certificates, and high-quality policy-backed instruments.
5. Advanced Digital Infrastructure: Digital Twins, DAOs, and IAC Digital Currency Units (DCUs) provide a secure, automated, and jurisdictionally resilient platform for global risk transformation.

Potential Audience
1. Sponsors: Entities seeking to form, govern, and scale IAC Cube™ operations for bespoke risk solutions.
2. Institutional Investors: Participants looking for policy-backed instruments, revenue-sharing, and risk-linked investment opportunities.
3. Risk Professionals: Brokers, underwriters, and insurers engaging in modular and flexible risk infrastructure.
4. Technology Innovators: Developers and thought leaders contributing to DAO, Digital Twin, and ledger-based governance solutions.
5. Global Ambassadors: Members of the IAC Society promoting marketplace adoption and governance globally.

Conclusion
The IACDeRisk site positions the IAC Marketplace as a groundbreaking platform for modular risk solutions, digital transformation, and global economic participation. By combining trusted human governance through the IAC Society with advanced technologies like DAOs, Digital Twins, and risk-linked instruments, the IAC Marketplace enables Sponsors and participants to efficiently manage, transfer, and monetize complex risks.
Sponsors are the cornerstone of this ecosystem, empowered to configure and govern their IAC Cube™ entities with the support of the IAC Society. With robust governance, economic incentives, and jurisdictional resilience, the IAC Marketplace emerges as the premier solution for transforming risks into value on a global scale.

FLEXTec™ - Contract Technologies

Overall Summary of IACDeRisk – FlexTec™ Site

The FlexTec™ site introduces a suite of standardized and bespoke financial convergence technologies that facilitate funding activities, risk mitigation, and capital solutions. These advanced contractual forms are designed to interoperate seamlessly with IAC™ Insurers and within the broader IAC Marketplace Ecosystem to address complex funding challenges, improve risk-adjusted returns, and streamline capital access for institutional participants.

FlexTec™ solutions are modular in nature, adaptable across industries and jurisdictions, and enable efficient financial transactions, capital management, and economic growth.

Core Components of FlexTec™
1. FlexGIA™ (Guaranteed Investment Agreement) • A high-quality, short-duration, floating rate debt obligation issued by IAC™ Insurers.
• Backed by US government obligations or equivalent high-credit-quality assets.
• Designed to mitigate market volatility with features such as:
• Lifetime and annual cap/floor structures.
• “Look-back make-whole” prepayment premiums for managing early repayments.
• Use Case: Provides communities, financial institutions, and municipal governments with stable funding instruments.

2. FLEXLoan™
• A long-term loan solution for commercial real estate, hospitality, industrial, and infrastructure projects.
• Key Features:
• Loan terms extend to 50+ years for long-life collateral.
• Restructuring without classification as Troubled Debt Restructuring (TDR).
• Payments aligned to project cashflows, including forbearance during economic distress.
• Allows origination lenders to retain a 10% or smaller stake while selling participations, enabling bundling into Volcker Rule Credit Facilities.
• Use Case: Supports distressed asset restructuring, infrastructure development, and large-scale project finance.

3. FLEXnote™
• A framework for “De-Securitisation”, transforming structured debt into Zero Coupon Notes that:
• Convert into participations in Controlled Electronic Records (CERs).
• Reduce market, credit, and systemic risks for institutional investors.
• Enable periodic participations for collateral providers, reducing holder exposure.
• Use Case: Enhances regulatory capital for depository institutions, insurance companies, and portfolio funds.

4. FlexBond™
• A form of debt obligation linked to a Controllable Electronic Record (CER), uniquely identified and held securely for its term.
• Key Features:
• Digital and/or physical issuance with Quantum ID for persistence and traceability.
• Collateral backed, governed by an indenture agreement.
• Designed to operate within digital wallets, enabling seamless transfers and ownership tracking.
• Use Case: Funding solutions for long-term projects with robust collateralization and digital security.

5. FlexCD™
• A regulatory capital solution for banks and insurance companies, providing capital funding and subordinated debt instruments.

6. FlexETF™
• Facilitates the inclusion of FlexGIA™, FlexBond™, FLEXLoan™, FLEXnote™, and FlexCD™ into Exchange-Traded Funds (ETFs).
• Designed to optimize asset diversification, liquidity, and cost-effective financing for ETF issuers.

7. FlexMuni™
• A next-generation municipal finance instrument designed to lower risk-adjusted interest and align debt repayment with project cashflows.
• Key Features:
• Forbearance accrual during economic distress.
• Digital Twin technology to manage sinking funds and allocate excess revenues efficiently.
• Tax-exempt bonds tailored for public infrastructure, especially in Qualified Opportunity Zones (QOZs).
• Use Case: Provides governments with advanced tools to finance infrastructure while mitigating long-term risk.

8. FlexRewards™
• A transactional framework to incentivize interactions between participants in Ecosystems facilitated by IAC Marketplace solutions.
• May be implemented under FlexCER™, including as a private currency recognized within certain Ecosystems.
9. FlexGuarantee™
• A protocol for transforming loans into collateralized national or supranational credit obligations.
• Utilizes bondholder insurance and guarantees issued by IAC™ Insurers, achieving the highest international credit ratings.

FlexTec™ Core Framework
FlexTec™ operates as a suite of modular and bespoke funding solutions designed to:
• Facilitate Capital Access: By leveraging IAC™ Insurer frameworks and high-credit-quality obligations.
• Mitigate Risks: Address market, credit, operational, systemic, and regulatory risks with robust protections.
• Enable Financial Innovation: Through flexible instruments like FlexGIA™, FLEXnote™, and FlexMuni™ to transform complex funding challenges.
• Support Economic Growth: By enhancing liquidity, restructuring distressed assets, and funding infrastructure projects globally.

Key Value Propositions
1. Modular Funding Solutions: A range of standardized instruments tailored to meet bespoke financial needs.
2. Risk Mitigation: Designed to reduce exposure to market volatility, systemic risks, and regulatory hurdles.
3. Regulatory Efficiency: Instruments such as FLEXLoan™ and FlexCD™ help participants meet regulatory capital requirements.
4. Economic Benefits: Enhances local economic conditions, facilitates project funding, and supports Opportunity Zone initiatives.
5. Digital Integration: Instruments like FlexBond™ and FlexRewards™ incorporate digital frameworks (CERs and wallets) for efficiency and security.

Potential Audience
1. Institutional Investors: Banks, insurance companies, portfolio managers, and funds seeking high-quality capital instruments.
2. Project Sponsors and Developers: Infrastructure, commercial real estate, and industrial projects requiring long-term, stable funding.
3. Governments and Municipalities: Entities seeking risk-adjusted, tax-efficient funding solutions for public infrastructure.
4. Regulatory Institutions: Organizations requiring capital compliance instruments like FlexCD™.
5. ETF Issuers: Firms looking to incorporate structured instruments like FlexGIA™ and FlexBond™ into diversified ETFs.

Conclusion
The FlexTec™ site introduces a robust suite of standardized and bespoke financial solutions that interoperate seamlessly with IAC™ Insurers and within the IAC Marketplace Ecosystem.

These tools, including FlexGIA™, FLEXLoan™, FlexBond™, and FlexMuni™, address a wide range of financial needs—risk mitigation, capital access, distressed asset restructuring, and municipal funding—while integrating digital frameworks like Controlled Electronic Records (CERs) and Digital Wallets.

By combining financial innovation with modular, flexible designs, FlexTec™ empowers institutional participants, project sponsors, and governments to manage complex funding challenges efficiently and securely.

PAR+™ | FlexGIA™ - Risk | Funding

Overall Summary of IACDeRisk – Risk | Funding Site

The Risk | Funding site provides a detailed overview of FlexGIA™ and PAR+™, two transformative technologies that operate within the broader IAC™ Marketplace to address complex risk and funding challenges for institutional, corporate, portfolio, and government participants.

It emphasizes the ability of these solutions to transform high-volatility obligations into US Treasury credit-quality instruments, enhancing regulatory capital efficiency, risk-adjusted returns, and liquidity.

FlexGIA™ and PAR+™ work in tandem to offer financial innovation, capital preservation, and market transformation, enabling institutions to mitigate systemic, market, and balance sheet risks.

These technologies also unlock liquidity by integrating digital asset strategies like Controllable Electronic Records (CERs) under the updated U.S. Uniform Commercial Code (UCC) and facilitate participation in Exchange-Traded Funds (FlexETF™).

Core Themes of the Site
1. FlexGIA™ – US Treasury Credit-Quality Risk Transformation

• What It Is: A floating rate, medium-term debt obligation issued by IAC™ Insurers.
• Backed by US Government Obligations:
• Interest payments and principal repayment are fully supported by US Treasury or equivalent eligible agency obligations, held by government-approved custodians.
• Key Features:
• Risk Mitigation: Addresses market value risk, credit risk, systemic risk, and re-hypothecation risks.
• Portfolio Diversification: Provides predictable income with annual interest rate resets (indexed to 1-Year Treasury), lifetime caps/floors, and prepayment flexibility.
• Optimized Regulatory Capital: Ideal for depository institutions, insurers, and portfolio funds, achieving risk-based capital treatment similar to US Treasuries.
• Short-Duration, High Credit Quality: Enhances liquidity while dampening volatility.

2. PAR+™ – Bespoke Risk Funding Solutions

• What It Is: A combination of IAC Insurer indemnity policies, FlexGIA™, and FlexTec™ technologies.
• Key Applications:
• Risk Mitigation: Custom solutions for distressed or at-risk balance sheet exposures.
• Asset Transformation: Converts volatile or illiquid obligations into stable, high-credit-quality instruments (e.g., FlexGIA™).
• Portfolio Effect: Uses diversification strategies to mitigate risks across time cycles and cashflows.
• Custom Design: PAR+™ can be configured as bespoke Reference Series to match institutional and governmental funding needs.

3. FlexGIA™: Key Use Cases and Applications
The site outlines myriad strategies and use cases for FlexGIA™:
• Transforming High-Volatility Obligations: Converts corporate, portfolio, or municipal liabilities into US Treasury-backed instruments.
• Municipal Finance (FlexMuni™):
• Lowers risk-adjusted interest costs for governments.
• Aligns payments with project cashflows, particularly in Qualified Opportunity Zones (QOZs).
• ETF Liquidity Creation: FlexGIA™ units can be mapped to Controllable Electronic Records (CERs) and transferred to ETFs (FlexETF™), providing liquidity and access to public markets.
• Service Revenue Expansion: Enables banks, insurers, and financial institutions to generate immediate service revenue and enhance capital positions.

4. Controllable Electronic Records (CERs) and Digital Asset Integration
The site introduces advanced digital technologies to facilitate risk funding and liquidity:
• CER Mapping: FlexGIA™ units can be mapped to Controllable Electronic Records, recognized under the 2022 U.S. Uniform Commercial Code.
• Liquidity Transformation: CERs of FlexGIA™ units can be transferred to an Exchange-Traded Fund (ETF), enabling access to publicly traded markets.
• Digital Twins: Each FlexGIA™ unit has a corresponding Digital Twin, persisted on DAOs for governance, tracking, and redundancy.
• Long-Term Preservation: FlexGIA™ contracts are issued on archival substrates, ensuring durability and traceability for over 100 years.

5. Initiative Infrastructure and Community Impact
The site also emphasizes the potential of FlexGIA™ to fund local infrastructure projects and support community development:
• Initiative Infrastructure Reference Series: Minimum issuance of USD $500 million for community funding.
• FlexMuni™ Protocol:
• Tax-exempt bonds for public infrastructure.
• Forbearance accrual during economic distress.
• Digital Twin management for sinking funds and revenue allocation.
These tools provide governments and municipal authorities with sustainable funding solutions while reducing financial distress risks.

Key Value Propositions
1. Risk Transformation: Converts volatile assets into US Treasury credit-quality obligations, addressing systemic, market, and credit risks.
2. Regulatory Capital Efficiency: Enhances risk-based capital positions for depository institutions, insurers, and portfolio funds.
3. Liquidity Creation: FlexGIA™ CERs enable liquidity through Exchange-Traded Funds (FlexETF™).
4. Customizable Funding Solutions: PAR+™ combines bespoke insurance and funding tools to address specific institutional challenges.
5. Community Impact: FlexGIA™ supports infrastructure funding, local economic growth, and Opportunity Zone initiatives.

Potential Audience
1. Banks and Financial Institutions: Seeking regulatory capital solutions, portfolio optimization, and liquidity creation.
2. Insurance Companies: Looking to transform liabilities into stable, high-credit-quality instruments.
3. Portfolio Managers: Requiring diversification and risk-adjusted returns through FlexGIA™ and PAR+™.
4. Government Authorities: Interested in cost-effective municipal finance solutions like FlexMuni™.
5. Institutional Investors: Focused on stable, floating-rate investments backed by US Treasuries.

Conclusion
The Risk | Funding site highlights the transformative role of FlexGIA™ and PAR+™ in addressing systemic, market, and regulatory capital challenges. By combining risk transformation with advanced technologies like Controllable Electronic Records (CERs) and Digital Twins, these tools provide institutional participants, governments, and portfolio managers with secure, high-credit-quality funding solutions.

FlexGIA™ stands as a cornerstone for stabilizing volatile obligations, creating liquidity through ETFs, and enabling sustainable infrastructure funding, making it a critical innovation within the IAC Marketplace.

Introducing IAC™ Marketplace -The Future of Digital Risk Transfer and Insurance Innovation

What is IAC3?
IAC3 is the gateway to the IAC™ Marketplace—a next-generation platform for insurance, risk transfer, and capital funding solutions. At its core is the modular IAC Cube™ framework, which enables Sponsors, Principals, and Market Professionals to rapidly design, deploy, and scale bespoke risk solutions. The platform transforms risk into tradable capital market instruments, digital assets, and long-term funding opportunities, offering unparalleled security, flexibility, and operational efficiency.

Key Features and Value Proposition
1. The IAC Cube™ Advantage
The IAC Cube™ is a modular platform consisting of three purpose-driven insurers operating under the IAC Rules and The IGF System™:
• IGI (General Insurance): Solutions for general and specialty insurance needs.
• IFG (Financial Guaranty): Credit enhancement, bondholder protection, and structured financial solutions.
• IGA (Life Assurance): Capital funding and assurance instruments such as FlexGIA™.

Each IAC Cube™ offers:
• 100% Policy Security: Policies are fully backed by eligible government obligations held in bankruptcy-proof custodial accounts, ensuring unmatched credit quality.
• Patented Risk Transformation: Technology pioneered by IGF enables risks to be transformed into tradable capital market instruments or digital risk-linked assets.
• Streamlined Compliance: Fully aligned with Bermuda’s IGF Act (1991) and international regulatory standards.

2. For Sponsors and Principals
The IAC3 platform provides Sponsors and Principals with the tools to access surplus creation opportunities and establish modular risk solutions without requiring direct ownership of insurers:
• Non-Equity Participation: Benefit from underwriting gains, technology revenues, and surplus creation.
• Rapid Deployment: Develop and launch bespoke IAC Cubes™ with operational support from IGF System™ technologies.
• Capital Efficiency: Utilize proven instruments like FlexGIA™ and Risk-Linked Obligations™ to optimize balance sheets and fund long-term projects.

3. Cutting-Edge Digital Infrastructure
The IAC Marketplace integrates advanced digital technologies to deliver transparency, automation, and compliance:
• Digital Twins: Real-time replicas of IAC Cube™ operations automate governance, compliance, and performance monitoring.
• Regulatory Assurance: IAC Insurers are structured under the IGF Act (1991), ensuring policyholder obligations are secured through statutory reserves and certified custodians.
• Digital Assets: FlexGIA™ units can be mapped to Controllable Electronic Records (CERs) for liquidity creation and inclusion in Exchange-Traded Funds (ETFs).

How to Set Up an IAC Cube™
A simplified, structured process enables Sponsors to establish and govern their IAC Cube™ entities:
Step 1: Submit an expression of interest.
Step 2: Collaborate with IAC Transaction|Operations Professionals to design and structure your bespoke IAC Cube™.
Step 3: Undergo regulatory review and approval of the Sponsor Group.
Step 4: Launch and scale your IAC Cube™ with comprehensive operational support from the IGF System™.

Call to Action: “Start your IAC Cube™ journey today—"

Who Should Engage with IAC3?
The IAC3 site is designed to engage key market participants who seek innovative, secure, and efficient risk and funding solutions:
• Sponsors and Principals: Institutional investors, financial professionals, and corporate entities exploring surplus creation and modular risk infrastructure.
• Market Professionals: Brokers, underwriters, actuaries, and risk professionals interested in partnering with IAC Insurers.
• Institutional Investors: Asset managers and capital market participants seeking access to policy-backed obligations, FlexGIA™, and risk-linked investments.
• Governments and Sovereign Wealth Funds: Entities requiring robust, compliant frameworks for public infrastructure funding and risk mitigation.
• Technology Providers: Innovators offering advisory, risk, or digital infrastructure solutions.

Supporting Resources and Documents
To facilitate deeper understanding and engagement, the platform provides:
• IAC Cube™ Brochure: A detailed overview of the Cube structure and its benefits.
• Sponsor Guide: A step-by-step roadmap for licensing, regulatory approval, and operational setup.
• Case Studies: Real-world examples demonstrating how IAC Cubes™ solve complex risk challenges and deliver economic value.

Conclusion: Transforming Risk into Opportunity
The IAC3 platform represents the culmination of decades of innovation by Investors Guaranty Fund, Ltd. (IGF) and its Principals. By merging statutory custodial protections with patented risk transformation technologies, the IAC Marketplace provides a modular, secure, and scalable framework for managing and monetizing risk.

Through the creation of bespoke IAC Cube™ entities, Sponsors, Principals, and Market Professionals gain access to surplus opportunities, capital efficiency tools like FlexGIA™, and transformative digital infrastructure.

Call to Action: “Explore the IAC Marketplace today—"

What the IAC3 Site Communicates
The IAC3 site serves as a high-level introduction to the IAC Marketplace, emphasizing:
1. IGF’s Legacy: The evolution of trust and custodial technologies, culminating in the IGF Act (1991) and the transition into the IAC Cube™ model.
2. IAC Cube™ Framework: A modular system of general insurance, financial guaranty, and life assurance companies delivering innovative risk transformation solutions.
3. IAC Marketplace: A state-of-the-art platform that enables risk transfer, securitization, and funding through tools like FlexGIA™ and digital risk-linked assets.
4. Sponsor Participation: Opportunities for Sponsors and Principals to establish IAC Cubes™, benefit from surplus creation, and access the capital markets.

Target Audience:
• Sponsors and Principals: Those seeking to establish IAC Cube™ entities for bespoke risk solutions.
• Market Professionals: Brokers, underwriters, and actuaries providing advisory and transactional support.
• Institutional Investors: Asset managers and portfolio funds pursuing stable, credit-quality investments.
• Governments and Regulators: Entities in need of innovative, compliant, and secure risk management infrastructure.

With a clear roadmap, robust resources, and cutting-edge infrastructure, IAC3 introduces participants to the most advanced platform for transforming risk into capital and opportunity.

IGF Act Companies™ - Marketplace Components

Summary of IGFActCompanies.com
1. Core Purpose
The IGFActCompanies.com site serves as a comprehensive introduction to IGF Act Companies and the broader infrastructure built around the IGF Act (1991). It highlights IGF’s legacy of over 30 years in financial innovation, risk securitization, and insurance transformation. The primary focus is to position the platform as a modular and scalable (risk) Infrastructure as a Service™ solution.

2. Key Components
The document introduces several important themes and features:
1. IGF Act (1991):
• “Bedrock” Legislation providing safety, security, and assurance of policy payments.
• Statutory reserve framework ensures all risks are fully backed by eligible government obligations.
2. The IAC™ Insurer Platforms:
• Three configurable types of insurers:
• IGI – General insurance and reinsurance.
• IFG – Financial guaranty insurance.
• IGA – Life, personal assurance, and capital funding.
• Together, these form the IAC Cube™.
3. Risk Transformation and Funding:
• Patented Technologies enable risk securitization and transformation into capital market instruments.
• Converts insurance risks, financial assets, IP, and real estate into private placements, digital assets, and other financial products.
4. (Risk) Infrastructure as a Service™:
• A platform for Sponsors to form and operate IAC™ Insurers tailored to their risk and capital objectives.
• Offers tools, licensing, and infrastructure support for insurance professionals, investors, and capital markets participants.
5. Target Audience:
• Institutional investors, family offices, sovereign wealth funds, banks, asset managers, project finance professionals, and insurance companies.

3. Notable Benefits and Features
• 30+ Years of Expertise: Proven operational history and industry leadership in risk innovation.
• Modular Infrastructure: IAC Cube™ enables flexible, bespoke risk and funding solutions.
• Patented Risk Solutions: The platform offers globally patented technologies for securitization and capital funding.
• Opportunities for Participants: • Administrative and transactional professionals can expand their client base, revenue streams, and service offerings through the proliferation of IAC Insurers.

Summary of Insurers Section
Core Focus
This section introduces the IAC™ Insurers, detailing their origins, structure, and key functionalities. It positions the IAC Cube™ (composed of IGI, IFG, and IGA insurer types) as a modular and scalable platform for bespoke insurance, financial guaranty, and capital funding solutions.

Key Components
1. History and Background of IAC™ Insurers
• IGF Legacy: Established in 1985 as one of Bermuda’s first insurers to achieve an AAA-rated policy structure for municipal bonds.
• IGF Act (1991): The foundation of IAC Insurers, offering a “bankruptcy-proof” statutory reserve structure where policy obligations are backed 100% by eligible government obligations.
• Global Patents: IGF Principals pioneered insurance securitization and loss mitigation technologies in the 1990s.

2. The Three Types of IAC™ Insurers
1. Investors Guaranty Insurance (IGI):
• Purpose: General and specialty lines insurer/reinsurer for casualty, liability, property, marine, and unique perils.
• Capital Funding: Issues Risk-Linked Obligations™ to fund reserves and insurance activity.
• Operations: • Fully backed by portfolios of government obligations to guarantee claim payments.
• Active asset-liability management to produce underwriting gains.
2. Investors Financial Guaranty (IFG):
• Purpose: Financial guaranty insurer, providing coverage for:
• Performance Risks: Bondholder insurance, valuation protection, and repayment risks.
• Credit support for public and private enterprises.
• Capital Funding: Issues Risk-Linked Obligations™ for qualified investors.
• Operations:
• Strict statutory reserves, managed under Bermuda law, ensure sufficient funds to meet all claims.
3. Investors Guaranty Assurance (IGA):
• Purpose: Life assurance, capital funding, and portfolio valuation protection for natural persons and institutional investors.
• FlexGIA™:
• A floating-rate, senior-secured debt obligation that supports policy risks and valuation protection.
• Designed to stabilize asset portfolios, reduce volatility, and enhance earnings.
• Operations:
• Statutory reserves are matched with government-backed portfolios, ensuring claims payment and asset stability.
• Includes discretionary excess interest reserves to manage variable interest obligations.

3. Distinctive Features of IAC™ Insurers
• Unparalleled Safety and Security:
• Policies are fully backed by eligible government obligations held by government-approved custodians.
• Statutory reserves ensure the ability to timely pay 100% of policy claims.
• Patented Financial and Insurance Solutions:
• Risk-linked obligations and securitization technologies enable unique risk transfer and funding mechanisms.
• Portfolio Valuation Protection: • FlexGIA™ provides low-volatility capital solutions, offering a substitute for long-dated government obligations.
• Capital Markets Integration:
• Investors, sovereign wealth funds, and institutions can participate in risk-linked financial instruments for diversified returns.
• AAA Rating History: • Policies and programs have maintained the highest ratings by global rating agencies for over 30 years.

4. Opportunities for Participants
IAC™ Insurers create opportunities for diverse participants:
• Public and Private Enterprises:
• Access bespoke insurance and reinsurance solutions for asset protection and unexpected losses.
• Capital Market Investors:
• Invest in Risk-Linked Obligations™ and FlexGIA™ to enhance portfolio earnings.
• Sovereign Wealth Funds and Governments: • Utilize FlexGIA™ for asset portfolio valuation protection and liquidity management.
• Service Providers: • Insurance brokers, risk advisors, and capital market professionals can engage with IAC Insurers for underwriting, advisory, and transactional support.

Key Messaging Takeaways
1. Unmatched Security and Assurance: The IGF Act ensures all policies are backed by government obligations, offering unparalleled safety.
2. Flexible Risk Transfer Solutions: IAC™ Insurers provide innovative structures for risks that are difficult to place in traditional markets.
3. Capital Market Synergy: Integration of insurance solutions with financial instruments (e.g., FlexGIA™) provides investors with new opportunities.
4. Scalable Modular Platform: The IAC Cube™ allows Sponsors to customize insurance solutions to their needs.

Summary of Operations Section
The Operations section of IGFActCompanies.com provides a detailed explanation of the governance, regulatory structure, and day-to-day activities of IAC™ Insurers and the IAC™ Marketplace. It highlights the operational robustness of the platform, its statutory requirements, and the technological infrastructure supporting its global transactions.

Key Components
1. Statutory Reserve Framework
• Governed by the IGF Act (1991), IAC™ Insurers operate within a bankruptcy-proof structure to ensure absolute security for policy obligations.
•Core Features:
• Policies cannot be modified or voided by bankruptcy trustees.
• Before issuing any policy (e.g., FlexGIA™, Guaranteed Investment Agreements), insurers must reserve sufficient eligible government-backed assets to cover 100% of policy obligations.
• Assets are held by government-approved custodians and are subject to oversight by:
• The Bermuda Minister of Finance.
• The Registrar of Companies.
• The Bermuda Monetary Authority (BMA).
• Policyholder Preference: Unlike standard Bermuda law, the IGF Act ensures policyholders have priority status over general creditors.

2. Global Marketplace Operations
The IAC™ Marketplace is a (risk) Infrastructure as a Service™ (rIaaS™) platform enabling participants to:
• Develop risk mitigation and capital funding solutions.
• Use the IAC Cube™ configuration (trio of IGI, IFG, and IGA Insurers) to meet custom client objectives.

3. Collaboration and Accreditation
IAC™ Insurers collaborate with an ecosystem of accredited firms that include:
• Insurance underwriters and intermediaries.
• Portfolio and asset managers.
• Legal, accounting, and actuarial professionals.
• Government-approved custodians and investment bankers.
These firms leverage the platform’s patented systems and technologies to support risk transformation, insurance capacity development, and capital funding initiatives.

4. Capital and Ratings
• IAC™ Insurers are legally mandated to maintain assets sufficient to timely meet all policy obligations.
• Capital is sourced through traditional debt, equity, and digital assets, as well as Risk-Linked Obligations™ tied to specific transactions.
• International rating agencies have assigned the highest ratings to policies and obligations issued or insured by IAC™ Insurers.

5. Principal Activities
The IAC™ Marketplace focuses on:
1. Risk Transformation: Converting insurance risks into capital market instruments (e.g., debt, equity, residual obligations).
2. Financial Solutions: Providing insurance, portfolio valuation protection, and capital funding.
3. Digital Infrastructure: Leveraging patented technologies to facilitate STAR-compliant (Security, Tax, Accounting, Regulatory) global transactions.

6. Technology and Global Access
• State-of-the-Art Technology: Three decades of technology development ensure efficient global risk transformation and transaction execution.
• Edge-Centric Systems: Enable online access for accredited participants to:
• Develop custom transactions.
• Create insurance capacity.
• Transform risks into capital market obligations and digital assets.
• Collaborative features support interactions with insurance brokers, asset managers, and financial advisors globally.

7. Risk Transformation Process
IGF’s patented process transforms assumed risks into financial obligations for capital markets participants rather than traditional policyholder mutualization.
Key steps include:
• Risk assumption via insurance policies.
• Conversion into Risk-Linked Obligations™, debt, or digital assets.
• Mutualization across capital market investors, improving efficiency and diversification.

Notable Takeaways
1. Operational Assurance: The IGF Act guarantees policies are backed by government assets, ensuring timely and full payment of claims.
2. Global Risk Marketplace: The IAC™ Marketplace enables seamless integration of insurance, capital markets, and digital assets.
3. Trusted Regulatory Framework: Oversight by Bermuda’s regulators ensures the platform meets the highest global standards.
4. Patented Technology: IGF’s innovations underpin advanced risk transformation and STAR-compliant transaction execution.
5. Capital Market Synergy: The platform facilitates risk-linked instruments that appeal to institutional investors, offering diversification and strong ratings.

Summary of Policies Section
The Policies section introduces the core insurance and financial policies issued by IAC™ Insurers under the IGF Act framework. It highlights the flexible policy structures, their unique features, and the specific purposes they serve within the IAC Cube™ platform.

Key Components
1. [Re] Insurance Policy
• Purpose:
• Designed for traditional and specialty insurance risks such as casualty, liability, property, marine, and other perils.
• Supports both primary insurance and reinsurance.
• Issued By:
• Investors Guaranty Insurance (IGI) Type IAC™ Insurers.
• Investors Guaranty Assurance (IGA) Type IAC™ Insurers.
• Flexibility: • Standard policy form with the ability to customize terms and conditions through endorsements.
Key Takeaway: A versatile structure for insuring diverse risk exposures, particularly those underserved by traditional markets.

2. Financial Guaranty | Bondholder Insurance Policy
• Purpose:
• Provides insurance for financial risks, including:
• Bondholder credit support.
• Surety and demand guarantees.
• Financial indemnification for performance, valuation, and repayment risks.
• Issued By:
• Investors Financial Guaranty (IFG) Type IAC™ Insurers.
Key Takeaway: A specialized policy to enhance credit quality and provide secure financial guarantees for public and private enterprises.

3. Guaranteed Investment Agreement (GIA) Policy
• Purpose:
• Functions as a senior secured investment agreement issued for capital funding purposes.
• Designed to accommodate flexible terms regarding:
• Currency.
• Interest payments.
• Principal repayment schedules.
• Issued By:
• Investors Guaranty Assurance (IGA) Type IAC™ Insurers.
• Security:
• Fully backed by the statutory reserve framework under the IGF Act.
Key Takeaway: A senior-secured funding instrument ideal for life assurance companies, capital funding, and portfolio stabilization.

4. Flex GIA™ Policy
• Purpose:
• A proprietary floating-rate guaranteed investment agreement used for:
• Portfolio Valuation Protection: Stabilizes asset portfolios, reducing market volatility.
• Project Finance: Secures long-term funding for specialized projects. • Insurance and Reinsurance Applications: Supports reserve funding and surplus generation.
• Issued By:
• Investors Guaranty Assurance (IGA) Type IAC™ Insurers.
• Key Features:
• Offers a high-quality floating rate structure.
• Backed by eligible government obligations to ensure absolute payment security.
Key Takeaway: An innovative instrument combining guaranteed stability, capital protection, and interest rates exceeding typical benchmarks.

Policy Framework Highlights
• Full Security: All policies are backed by statutory reserves held by government-approved custodians, ensuring timely and 100% claims payment.
• Flexibility: Each policy structure can be customized to meet specific risk and funding objectives.
• Capital Funding: Policies like GIA and Flex GIA™ serve as flexible tools for funding projects, managing reserves, and portfolio valuation.
• Specialized Risk Coverage: IAC™ Insurers address risks not traditionally covered in mainstream markets, leveraging proprietary instruments like the Flex GIA™ and Risk-Linked Obligations™.

Notable Takeaways
1. Secure and Flexible Structures: Policies are designed to deliver maximum security and tailored solutions for complex insurance and financial needs.
2. Specialization in Financial Risks: IAC™ Insurers offer instruments like Financial Guaranty Policies and Flex GIA™, providing enhanced credit support and portfolio stability.
3. Innovative Capital Funding: Policies function as investment-grade instruments, appealing to sovereign wealth funds, institutional investors, and corporate participants.

Summary of Capital Section
The Capital section of IGFActCompanies.com describes the capital framework and funding mechanisms supporting IAC™ Insurers. It focuses on how IAC™ Insurers maintain a robust capital structure, ensuring their statutory reserve obligations are met while enabling innovative capital market participation and risk-sharing solutions.

Key Components
1. Statutory Reserve Framework • IGF Act (1991) mandates that IAC™ Insurers maintain sufficient assets, held by government-approved custodians, to ensure timely payment of a total loss on all policies issued.
• All premiums, capital, and surplus are statutorily reserved to support policyholder claims.
• Policies are fully backed by eligible government obligations to ensure absolute security and payment assurance.

2. Capital Support Mechanisms
IAC™ Insurers utilize four primary capital support methods:
1. Syndicates:
• Purpose: Provide capital and surplus support for specific policies or underwriting programs.
• Structure: • Administered by an IAC Syndicate Advisor.
• Diversification guidelines set for risk allocation.
• Investor Participation:
• Investors participate in risk and reward through risk-linked obligations tied to the syndicate’s activities.
• Benefit: Rapid capital access for underwriting commitments on smaller risk exposures.
2. Risk-Linked Participation:
• Purpose: Allows accredited investors to participate in specific risks.
• Structure:
• Risk exposures are previewed for accredited participants via electronic terms sheets.
• Investors commit to a defined portion of a policy or group of policies.
• Benefit: Quick access to global accredited investors for defined risk exposures.
3. Risk-Linked Products:
• Purpose: Capital funding for large or multi-year risks through debt and equity securities.
• Structure: Securities are issued via traditional placement firms or special purpose issuers.
• Benefit: Suitable for complex, high-limit risks requiring capital markets participation.
4. Policy Collateral:
• Purpose: Enables policyholders, affiliates, or third parties to provide collateral to support specific policies.
• Structure: Collateral is governed under the IGF Act and used exclusively for designated policy obligations.
• Benefit: Useful in proprietary financial guaranty insurance transactions.

3. Capital Funding Instruments
IAC™ Insurers offer four specialized capital instruments to support risk funding and market participation:
1. Risk-Linked Obligations™:
• Debt, equity, or digital assets linked to specific policies, groups of policies, or risk exposures.
• Issued to accredited investment funds or through special purpose issuers.
2. Flex GIA™:
• Issued by IGA IAC™ Insurers as a floating-rate guaranteed investment agreement.
• Designed with low duration, medium-term flexibility, and higher interest crediting rates.
• Supports investment in Risk-Linked Obligations™.
3. Policy Collateral:
• Structured agreements that secure specific policies using collateral governed under the IGF Act.
4. Certificates of Residual Interest:
• Issued with respect to specific policies or capital transactions.
• Provide transaction profit-sharing opportunities for IAC™ Underwriting Advisors, Syndicate Advisors, and other professional participants.

Key Features of the IAC™ Capital Structure
1. Statutory Security: • All obligations are fully backed by statutory reserves held by government-approved custodians.
2. Flexible Capital Deployment:
• Capital is sourced through syndicates, risk-linked products, and collateralized agreements, providing flexibility for insurers and investors.
3. Investment-Grade Instruments:
• Risk-Linked Obligations™ and Flex GIA™ instruments are designed to appeal to institutional investors, offering strong credit quality and competitive returns.
4. Innovative Participation Models:
• Accredited investors can participate in risk-sharing via structured programs like Risk-Linked Participation and Syndicates.

Benefits for Capital Market Participants • Risk-Linked Investments:
Access to diversified insurance risks with attractive returns through high-quality instruments.
• Flexibility: Customized capital structures tailored to specific policies, projects, and timeframes.
• Security: Full statutory reserve backing under the IGF Act ensures reliable payment.
• Profit-Sharing Opportunities: Certificates of Residual Interest enable accredited participants to share transaction profits.

Notable Takeaways
1. Robust Capital Framework: Statutory reserves and innovative instruments ensure IAC™ Insurers meet all policy obligations with absolute certainty.
2. Diverse Capital Solutions: IAC™ Insurers enable capital markets participation through risk-linked instruments, syndicates, and collateralized policies.
3. Flexible Risk Sharing: Investors can participate in specific risks while benefiting from structured programs like syndicates and participations.
4. Market Appeal: Instruments like Flex GIA™ provide low-duration, high-quality alternatives for institutional investors seeking stable returns.

Summary of Participants Section
The Participants section of IGFActCompanies.com outlines the roles, responsibilities, and opportunities for various stakeholders who interact with IAC™ Insurers and the broader IAC™ Marketplace. It highlights the multi-layered ecosystem of professionals, policyholders, and capital providers who contribute to the platform’s operations and success.

Key Components
1. Core Participant Categories
IAC™ Insurers operate with a diverse range of participants across multiple sectors. The key participant groups include:
1. Policyholders and Enterprises:
• Purpose: Access insurance and financial guaranty solutions tailored to their unique risk transfer needs.
• Special Features:
• Customized programs for similar enterprise risks.
• Industry-specific risk-linked investment products.
2. [Re]Insurers:
• Purpose: Complement traditional reinsurance, loss portfolio transfers, and retrocession activities.
• Specialized Solutions: Leverage Special Purpose Reinsurance Series (SPRS) to expand capital and surplus while enabling global risk transfers.
3. Special Purpose Investment Facilities:
• Purpose: Facilitate convergence between insurance and capital markets, allowing transactional flexibility for participants.

2. Capital Providers
IAC™ Insurers coordinate capital support from institutional and accredited investors through the following mechanisms:
1. Special Purpose Capital Facilities:
• Participants acquire interests in bespoke debt and equity securities or digital assets tied to specific risk-linked transactions.
2. Investors Guaranty Assurance (IGA) Capital Funding:
• IGA IAC™ Insurers issue flexible capital instruments, including the Flex GIA™, to fund transactions and stabilize portfolios.

3. Policy and Risk Professionals
This group includes intermediaries, brokers, underwriters, and advisors who facilitate transactions and policy issuance:
1. IAC™ Insurance Intermediaries:
• Role: Submit policies to IAC™ Underwriters through accredited electronic systems.
• Compensation: A percentage of premiums netted from the policyholder.
2. IAC™ Insurance Brokers:
• Role: Global brokers access IAC™ Insurers through accredited intermediaries, ensuring client qualifications and compliance.
• Compensation: Fees or premium percentage negotiated with intermediaries or policyholders.
3. IAC™ Underwriters:
• Role: Bind policies, assess risk exposures, and ensure compliance with IAC™ guidelines.
• Compensation: Policy issuance fees, surveillance fees, and profit participation in underwriting income.
4. IAC™ Underwriting Advisors:
• Role: Support transaction structuring, capital allocation, and premium terms.
• Compensation: Fees at the start, during, and on completion of transactions, with potential profit participation.

4. Assets and Capital Professionals
These participants provide asset management, capital allocation, and surplus support:
1. IAC™ Capital Allocation Advisors:
• Role: Allocate capital and surplus to support policy issuance and investment activities.
• Compensation: Industry-standard management fees.
2. IAC™ Syndicate Advisors:
• Role: Manage capital allocation for risk portfolios through designated syndicates, subject to pre-agreed guidelines.
• Compensation: Fees consistent with asset management industry practices.
3. IAC™ Consulting Advisors:
• Role: Provide administrative, risk analytics, and compliance services related to specific policy transactions.
4. IAC™ Securities Firms:
• Role: Facilitate issuance of risk-linked financial instruments and securities.

5. Administrative Professionals
The IAC™ Insurers rely on an ecosystem of administrative professionals to maintain compliance, governance, and operational efficiency:
• Custodians: Hold statutory reserve assets under the IGF Act.
• Administrators: Provide asset and transaction administration services.
• Actuaries: Certify policy liabilities and asset sufficiency in compliance with Bermuda regulations.
• Accountants: Perform audit, compliance certification, and financial reporting functions.
• Legal Counsels: Provide specialized support for policy and transaction-related activities.
• Rating Agencies: Provide private ratings for policy issuance and statutory reserves.
• Valuation Experts: Certify asset valuations and statutory reserve sufficiency.
• Claims Specialists: Handle claims processing and payment functions.

Key Features of the Participant Framework
1. Accreditation and Standards: • All participants, including intermediaries, underwriters, and advisors, must meet IAC™ Rules & Regulations for accreditation.
2. Multi-Layered Collaboration:
• Policy and risk professionals work seamlessly with capital providers, asset managers, and administrative experts to support policy issuance, capital allocation, and compliance.
3. Global Participation:
• Participants operate within a global network, accessing opportunities for bespoke insurance solutions, capital funding, and asset management.
4. Flexible Compensation:
• Compensation structures are designed to align participants’ interests with transaction success, including underwriting fees, profit-sharing, and performance-based rewards.

Notable Takeaways
1. Comprehensive Ecosystem: IAC™ Insurers leverage a diverse group of professionals to ensure robust operations, risk management, and capital funding.
2. Participant Opportunities: Accredited stakeholders, from brokers to capital providers, can access structured pathways to contribute to and benefit from IAC Insurer™ activities.
3. Regulated Environment: The platform ensures all participants meet stringent compliance, governance, and performance standards under the IGF Act.
4. Risk and Capital Integration: Convergence of insurance, capital markets, and administrative professionals creates a flexible, multi-insurer platform to address global risk and funding needs.

https://iactimeline.iacmarketplace.org

IAC Timeline - 40 Years of Innovation

Summary of IACTimeline Site
The IACTimeline site, supported by the document titled 40 Years of Innovation, chronicles the evolution, achievements, and technological breakthroughs of Investors Guaranty Fund, Ltd. (IGF) and the transition into the IAC™ Marketplace. It tells a compelling story of innovation, necessity-driven invention, and global influence, illustrating how IGF has reshaped financial guaranty insurance, risk securitization, and capital solutions over four decades.

Key Sections and Themes
1. Origins of IGF – From Innovation to Insurance (1984-85) • The story begins with the creation of modular mini-storage containers (referred to as “Lock Boxes”) by IGF’s founding Principals: Terry H. Jones, John T. Oakes, and Douglas L. King.
• After solving manufacturing, transportation, and distribution challenges, leveraged leasing became the funding solution, backed by ITT Leasing’s USD$20 million lease commitment in 1985 and a USD$100 million funding and lease commitment from BankAmeriLease in 1987.
• The inability to obtain a bank or insurance guaranty to satisfy lease requirements led to the formation of Investors Guaranty Fund, Ltd. (IGF) in Bermuda.
• In 1989, IGF became one of the first financial guaranty insurers to operate in Bermuda, transforming non-investment-grade municipal credits into AAA-rated instruments through innovative bondholder insurance solutions.

2. IGF as a Pioneer of Financial Innovation
IGF’s legacy is marked by a series of groundbreaking achievements that laid the foundation for modern risk securitization and capital funding: • Leveraged Lease Guaranties: Early solutions to guarantee lease obligations.
• Financial Guaranty Insurance: IGF provided credit support for municipal bonds and large-scale infrastructure projects, achieving “AAA” ratings.
• STAR Compliance: IGF developed solutions to address Security, Tax, Accounting, and Regulatory (STAR) issues, ensuring a globally compliant structure.
• Insurance Securitization: IGF Principals pioneered insurance securitization, enabling the transformation of insurance risks into tradable capital market instruments.
• Asset-Backed Structures: IGF created innovative surplus funding mechanisms and residual-value financial solutions.

3. Patented Technologies and Global Milestones
The timeline highlights several critical milestones in IGF’s technological and operational evolution:
• Development of segregated reserves for collateral management.
• Creation of loss-mitigating financial instruments.
• Transition into the IAC™ System as a modular, multi-insurer platform.
• The invention of insurance securitization and digital infrastructure frameworks, which facilitated the convergence of insurance and capital markets.
• Testing by Fire: IGF successfully weathered the Global Financial Crisis of 2009, proving the resilience of its unique structure, statutory reserves, and technologies.

4. Transformation into the IAC™ Marketplace
As financial landscapes shifted post-2009, IGF evolved to meet the demands of a changing global paradigm:
• IGF’s proven platform now operates as part of the IAC™ Marketplace, leveraging 40 years of innovation, risk technologies, and global expertise.
• The development of modular insurers (IAC Cube™), advanced capital solutions (Flex GIA™, Risk-Linked Obligations™), and secure digital infrastructures has expanded IGF’s reach.
• IGF’s foundational principle remains intact: timely payment of 100% of all policies through robust statutory reserves.

Key Innovations and Contributions
1. Insurance Securitization: IGF Principals pioneered the technology that enables insurance risk to be securitized into tradable instruments, transforming global risk management.
2. Statutory Reserve Framework: Under the IGF Act (1991), IGF and its successors operate with fully backed reserves, ensuring absolute policyholder security.
3. AAA Ratings: IGF achieved AAA/Aaa ratings in association with its financial guaranty structures, transforming non-investment-grade municipal and project finance risks into high-credit-quality instruments.
4. Modular Platforms: IGF’s early innovations in modular manufacturing inspired the development of the IAC Cube™, a multi-insurer risk and funding platform.
5. STAR Compliance: Solutions addressing Security, Tax, Accounting, and Regulatory issues allowed IGF to build globally compliant and cross-border financial structures.

The Audience and Purpose of the Timeline
The IACTimeline site may be of interest to:
• Institutional Investors: Showcases IGF’s history of financial innovation and resilience, building confidence in the platform’s offerings.
• Policyholders and Sponsors: Demonstrates IGF’s evolution into a modular insurance and capital funding solution (IAC Cube™).
• Financial and Risk Professionals: Highlights IGF’s pivotal role in the development of insurance securitization and STAR-compliant risk solutions.
• Regulatory Bodies: Underscores IGF’s commitment to security, compliance, and statutory resilience.

The site provides historical validation of IGF’s success and sets the stage for its continued leadership in the modern financial and risk infrastructure space.

Conclusion
The IACTimeline site effectively tells the story of IGF’s evolution from a creative solution for modular financing to a global leader in financial guaranty insurance, risk securitization, and capital solutions. By showcasing 40 years of innovation, resilience, and technological advancement, the site builds credibility and confidence for participants in the modern IAC™ Marketplace.

https://iackb.iacmarketplace.org

IAC Knowledge Base™ - Documents Library

The IAC™ Knowledge Base provides access to a library of IAC™ foundational documents, some of which may be linked from these sites.

https://iacdirectory.infoport.io

InfoPort IAC provides a summary of each site listed in the links below, as well as pdf(s) of each site.

https://deriskintro.iacmarketplace.org

DeRisk Intro provides an overview of IAC™ Marketplace, core components and a bit of history and development activities.

https://iacmarketplace.infoport.io/index_d548fa59e539325bbd4506759e4dfeaf9a150ec104c11a0ce9b6e21b8e5886e0.html

This link provides an Executive Summary of the IAC™ Marketplace.

http://iacecosystem.infoport.io

IAC™ Ecosystem provides an overview of IGF Marketplace Ecosystem and IAC Cube™ Ecosystems for prospective Sponsors of IAC Cube™.

https://iacderisk.iacmarketplace.org

DeRisk Marketplace provides an extensive drill down into IAC™ Marketplace, its history and digital transformation activities.

https://flextec.infoport.io

FlexTec™ provides an introduction to contract technologies which may be applied to IAC™ Insurers.

https://riskfunding.infoport.io

Link to Risk | Funding to explore use of PAR+™ and FlexGIA™ operating within an IAC Cube™.

https://iac3.iacinsurers.com

This link provides an introduction to IAC Cube™ and the concept of global sponsorship of accredited IAC™ Marketplace Participants.

It is a short overview of the role, function and technologies which support formation and operations of "digital insurers" and their governance.

https://www.igfactcompanies.com

This link introduces an overview of operational components interoperating with an IAC™ Insurer and their interface with each of the roles in IAC™ Market Participants.

These roles are described as a part of The IGF System™.

https://iackb.iacmarketplace.org

IAC Knowledge Base provides detailed information regarding various aspects of IAC Marketplace components, in-depth reviews of each policy type issued by IAC™ Insurers, an introduction to The IGF System™, an overview of "sponsoring" IAC Cube™ insurers, as well as insights into current Digital Transformation activities.

https://iactimeline.iacmarketplace.org

A look back at 40 years of key milestones in the development and prototyping of IAC Marketplace components, IAC Cube™ and The IGF System™.

An introduction to the founding of Investors Guaranty Fund Ltd. and an annotated development timeline.

IAC™ Marketplace - Introduction

DeRisk - Introduction

IGF Marketplace - Executive Summary

IAC™ ECOSYSTEM - Overview

IAC™ Marketplace - DeRisk

FLEXTec™ - Contract Technologies

PAR+™ | FlexGIA™ - Risk | Funding

Introducing IAC™ Marketplace -The Future of Digital Risk Transfer and Insurance Innovation

IGF Act Companies™ - Marketplace Components

IAC Timeline - 40 Years of Innovation

IAC Knowledge Base™ - Documents Library

CONFIDENTIAL | PROPRIETARY

Not An Offer of Securities

IAC™ Marketplace