Hong Kong Insurers Allowed to Invest in Crypto and Infrastructure

The Hong Kong Insurance Authority (HKIA) plans to allow insurance providers to invest in digital assets, including cryptocurrencies and infrastructure projects.

Insurance providers will incur a 100% risk charge, requiring them to match each dollar invested with their own capital to protect policyholder funds.
Stablecoin investments will have risk charges based on the fiat currency they are pegged to.
As of June 2025, Hong Kong had 158 authorized insurers, with total gross premiums reported at $81.69 billion in 2024.

Hong Kong's Digital Economy Expansion

Hong Kong aims to strengthen its financial sector and position itself as a hub for the Asian digital assets market.
The "Fintech 2030" strategy by the Hong Kong Monetary Authority includes over 40 initiatives focusing on data infrastructure, AI, resilience, and tokenization.
The Securities and Futures Commission is considering easing cryptocurrency trading restrictions, allowing local platforms to connect with international affiliates and serve as liquidity hubs.
Insurers like AIA can engage in cryptocurrency and stablecoin investments under the new regulations.