Oxbridge Re (OXBR) Fintech & DATS Investor Conference summary

Business overview and innovation

• Operates as a reinsurance underwriter, primarily in Florida, with a focus on homeowners insurance and reinsurance contracts.

• Introduced blockchain-based democratization of reinsurance investment via SurancePlus, allowing global investors to participate with as little as $5,000.

• SurancePlus issues tokenized securities on the Solana blockchain, enabling access to reinsurance contracts previously limited to large institutional investors.

• Emphasizes strict AML and KYC compliance for all participants, ensuring regulatory adherence and security.

• Fully collateralized contracts are used, with funds held in trust at major U.S. institutions to mitigate counterparty risk.

Market analysis and risk management

• Focuses on Florida due to high pricing and risk-reward profile, leveraging deep local expertise and data-driven underwriting.

• Avoids global dispersion to minimize exposure to multiple catastrophic events, concentrating on areas with the best risk-adjusted returns.

• Contracts are written one-to-one with no leverage, and risk is carefully dispersed within Florida to avoid concentration.

• High-quality book is defined by well-dispersed risk and stringent underwriting, including analysis of property construction and location.

• Reinsurance contracts are excess of loss, directly assuming risk from insurance companies without derivatives or parametric products.

Performance, milestones, and forward-looking statements

• Last year, two tokenized products targeted 42% and 20% returns, both exceeding targets due to favorable hurricane outcomes.

• SurancePlus is entering its second year, expanding on the Solana blockchain with support from Alpha Ledger and the Solana ecosystem.

• Plans to grow SurancePlus by increasing investor participation and potentially spinning it out as a standalone public entity.

• Near-term announcements expected regarding further growth, spinoff opportunities, and potential new strategies including digital asset treasury (DAT) and AI.

• Book value growth is expected to be driven by SurancePlus expansion and new business models leveraging blockchain and tokenization.