OK, I spent some time on the website but can't really see how this is "decentralised" if customers have to sign up with them. Or is the innovation here to let m

OK, I spent some time on the website but can't really see how this is "decentralised" if customers have to sign up with them. Or is the innovation here to let more people put up the money? For the benefit of whom, the investors? The insured will likely not care.