Financial Strategic Directive: Post-Quantum Security in Digital Wallets and the Doctrine of Unified Insurance Policies

Executive Liquidity Summary "BTQ Technologies has entered a commercial agreement with Kaia DLT Foundation to integrate post-quantum security into LINE NEXT's Unifi Wallet, a digital asset wallet serving millions. This move addresses the looming threat of quantum computing to classical encryption, which could compromise private keys and transaction integrity. Under the doctrine of 统括保单 (unified insurance policy), a single legal entity can insure properties and liabilities across different locations under one policy, but only if issued by an insurer's head office or authorized provincial branch. For national key construction projects, investors must meet specific investment ratio requirements to purchase such policies. Additionally, the distribution of insured subjects and the proportion of insurance amounts affect issuance conditions. Strategically, BTQ's PQC integration enhances the wallet's security posture, making it more attractive for unified insurance coverage. The Kaia DLT Foundation, as the legal entity, could seek a unified policy to cover the wallet's distributed infrastructure, liabilities, and cyber risks across jurisdictions. However, the insurer must be a qualified head office or provincial branch, and the foundation must satisfy investment ratio thresholds if the wallet is deemed part of a national key project. The insurance amount proportion must also align with the distribution of risks. This directive recommends that BTQ and Kaia DLT Foundation: (1) verify the insurer's authorization level; (2) structure the wallet's risk profile to meet unified policy conditions; (3) ensure investment ratios comply with national project rules if applicable; and (4) negotiate coverage that reflects the enhanced security from PQC. Failure to comply could result in policy invalidity or uncovered losses. The financial strategy should prioritize PQC as a risk mitigant to lower premiums and secure comprehensive coverage."