# Day By Day > Decentralised, on\-demand insurance powered by blockchain and NFT technology\. ## At a glance | Field | Value | | --- | --- | | Category | Insurtech Infrastructure | | Type | Solutions Provider | | Region | APAC | | Headquarters | Melbourne, Victoria, Australia | | Founded | 2018 | | Stage | Startup | | Employees | 11-50 | | Funding | Accelerator-Backed | ## Overview Day By Day is a blockchain-based insurance platform for consumers, built by a Melbourne-based team and launched in 2018. The platform enables on-demand, short-term insurance coverage for personal assets such as electronics and jewellery, with policies represented as NFTs on the Polygon and Algorand blockchains. The platform delivers insurance products as tokenised NFT contracts traded on the Day By Day marketplace. Policyholders can earn passive income from their policies and participate in underwriting through a decentralised finance pool. A utility token (DBD) powers governance, staking, and in-platform transactions. An AI-powered chatbot called Owl AI handles customer service inquiries to support platform scalability. Day By Day is accelerator-backed with no publicly disclosed funding rounds. The platform targets retail consumers globally and has approximately 14 employees. Recent activity includes a staking product launch in late 2022. The company was co-founded by Bill Angelidis, Chris Moore, and Vange Sirianos. ## Products & services ### Asset Register App A mobile application available on iOS and Android that enables users to catalogue and register physical assets on the blockchain. Asset registration creates an immutable ownership record that simplifies the claims verification process. Users receive DBD token rewards for registering assets and consenting to data use. **Key features:** - Blockchain\-based asset cataloguing for personal property - Immutable proof of ownership to support claims - DBD token rewards for asset registration and data sharing *Target users:* Individual consumers with insurable personal assets ### Protection Contract NFTs NFT-based insurance policies available through the Day By Day marketplace. Each policy is issued as a transferable NFT representing coverage for specific asset categories including electronics and jewellery. Policies are short-term and on-demand, offering flexibility not available in traditional annual policies. **Key features:** - NFT\-format policies for electronics and jewellery - Short\-term, on\-demand coverage with flexible terms - Transferable policies that can generate passive income for holders *Target users:* Retail consumers seeking flexible personal property coverage ### Underwriting DeFi Pool A decentralised finance pool allowing community members to contribute underwriting capital. Pool participants receive proportional premium income distributed via smart contracts on Polygon and Algorand, replacing traditional reinsurance structures with community-driven risk capital. **Key features:** - Decentralised underwriting pool for community capital participation - Smart contract\-based premium distribution on Polygon and Algorand - Open participation for "insurepreneurs" seeking yield from insurance risk *Target users:* Crypto\-native investors and community members ### Staking Program A DBD token staking facility at stake.daybyday.io, enabling token holders to earn rewards by locking tokens in the staking contract. Staking launched in November 2022 and supports platform liquidity and governance participation. **Key features:** - DBD token staking for yield generation - Governance participation through staked tokens - Available at stake\.daybyday\.io *Target users:* DBD token holders ### Token Dashboard A web dashboard for managing DBD tokens, monitoring staking rewards, and tracking portfolio performance within the Day By Day ecosystem. **Key features:** - Portfolio and token balance tracking - Staking reward monitoring - DBD token management interface *Target users:* DBD token holders and platform participants ### Owl AI An AI-powered chatbot integrated into the platform to handle customer inquiries and reduce manual support overhead. Owl AI is designed to scale customer service without proportional headcount growth. **Key features:** - Automated responses to customer inquiries - Supports platform scalability without additional support staff *Target users:* Day By Day platform users ## Category & focus - Subcategories: Blockchain Insurance, NFT\-Based Policies, DeFi Underwriting, On\-Demand Insurance - Insurance verticals: P&C Personal, Specialty/E&S - Target customers: Consumers ## Notable customers - Individual consumers seeking on\-demand personal property insurance \(electronics, jewellery\) - Insurance brokers seeking digital distribution channels ## Links - Website: - Directory profile: - Blog: - Linkedin: - App platform: - Documentation: --- *Last updated: 2026\-06\-13*