An Ethereum Foundation initiative

Extending self-sovereign coordination to new domains

Use Case Lab identifies where Ethereum can meaningfully reduce reliance on trusted intermediaries, and works with teams embedded in these domains to help solutions take root.

Rapidly prototyping new solutions to specific blockers

Ethereum Unblock SF

Ethereum Unblock SF

Mar 10–12, 2026 · ETHSF
Leveraging smart contracts, AI, and ZK to build alternatives that reduce dependence on corporate monopolies and expand Ethereum beyond DeFi into commercial systems and physical infrastructure.
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Argentina Onchain

Argentina Onchain

Nov 1–14, 2025 · Edge City Patagonia
Engaging with Argentine institutions to explore how Ethereum can address coordination bottlenecks across private enterprise, public sector, and civil society.
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If you're working on a real-world use case for Ethereum, we'd like to talk.

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Verifiable Cities

Cities lack cross-agency coordination capacity, constraining service delivery and policy execution. Cryptographic technologies can make municipal operations verifiable, composable, and privacy-preserving — moving from institutional trust to technical proof.

01 Overview

Cities are increasingly expected to deliver public services with greater effectiveness and accountability. While many are beginning to adopt AI and data-driven systems, a shared digital foundation to support coordination and verifiability across organizations and domains remains largely absent. As a result, long-standing public-sector challenges—such as fragmented data sharing, citizen privacy concerns, slow financial flows, and high compliance and reporting costs—continue to divert institutional capacity away from improving services and outcomes. Instead, this capacity is often spent managing public trust through short-term political negotiation and manual administrative processes.

Recent advances in public blockchains make it possible to transparently embed verification, accountability, and coordination capabilities directly into how public rules and finances operate.

Rather than introduce new fully centralized or closed platforms, as previous and current government modernization efforts have done, these technologies offer a practical path to increasing state capacity without expanding state power and vendor control, or adding further administrative overhead. In doing so, they can enable the development of a shared digital "trust" layer across cities that extend accountability from administrative processes to transparent technical mechanisms.

02 Why Cities

  • Hypothesis #1: Cities are the primary institutional level where coordination and service delivery must happen in real time due to their proximity to operational pressure.
  • Hypothesis #2: Cities face immediate service demands, operate across dense networks of public and private actors, and contend with real implications and constraints that require equally pragmatic solutions.
  • Hypothesis #3: Despite wide variation in competitive pressures and context, thousands of municipal governments and service providers worldwide face common operational needs, creating clear but currently underleveraged opportunities for experimentation and knowledge transfer.
  • Hypothesis #4: Together these conditions make cities powerful levers for public sector innovation, offering a scalable pathway for modernizing civic and state capacity.
Verifiable Cities Use Case Landscape

03 Call for Implementations

The Verifiable Cities landscape is intended to frame early areas of inquiry and surface concrete use cases with the potential to meaningfully improve city operations and outcomes.

As part of this work, the Ethereum Foundation Use Case Lab is issuing an open call for implementations. The work is oriented toward collaboration with city and regional governments, as well as other funders and organizations engaged in municipal innovation. Priority will be given to implementations that are narrowly scoped, aware of real-world constraints and considerations, and test approaches that can inform broader adoption over time.

Implementations may take several forms, including:

  • Sandboxed/Focused Pilots
  • Policy Frameworks & Regulatory Guidance
  • Technical Primitives & Open Standards

A non-exhaustive set of implementation focus areas:

Implementation Focus Areas

We anticipate supporting a select number of implementations through a combination of technical support, exploratory funding, and connections to relevant collaborators and ecosystems. The specific form and scope of resourcing will be determined through initial conversations as appropriate.

04 Inspiration

The following pieces have shaped our thinking around the Verifiable Cities track. The list serves as a non-exhaustive set of reference points for the space, providing both historical context and insights into the current state of the field.

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Composable Commerce

Commerce today is bundled inside platforms that control payments, discovery, reputation, and dispute resolution as a package. Ethereum provides the primitives that could let participants coordinate directly and compose their own commerce experiences.

01 Why Commerce

Commerce is a coordination problem between buyers, sellers, logistics providers, and payment processors who currently depend on platforms to mediate trust between them. A seller on a major marketplace can lose 20-40% of gross revenue to layered platform fees (payments, commissions, fulfillment, dispute handling) before accounting for their own costs, and their reputation, customer relationships, and transaction history remain locked inside the platform that collected them. The question is where Ethereum can give these participants the ability to coordinate directly, and where platform bundling still serves a legitimate function.

The path forward isn't replacing Amazon with a "decentralized Amazon." It's building composable primitives that any builder can assemble into commerce experiences where participants set their own terms.

This track is scoped around three hypotheses about where the gap between platform-mediated commerce and self-sovereign coordination is widest.


02 Hypotheses

1

Platform-centric commerce bundles payments, discovery, logistics, and dispute resolution into a single package, suppressing competition at each layer. The growing wave of direct-to-consumer brands, creator commerce, and local production networks needs modular infrastructure that incumbents are structurally disincentivized to provide. Composable onchain primitives could let these participants assemble their own commerce stack from independent, interoperable services rather than renting a bundled one.

2

Autonomous AI agents acting on behalf of users could dramatically reduce the role of platform intermediaries, but only if the infrastructure they operate on is open and local-first. A user's local agent could query an open product registry, verify a seller's onchain reputation, and execute a purchase through programmable escrow, all without routing through a centralized platform. Without self-sovereign rails (portable identity, open order books, programmable escrow, non-captive reputation), agentic commerce simply shifts the intermediary from a platform to an AI provider, recreating the same extraction dynamics in a new form.

3

Stablecoins and real-world asset tokenization (physical goods, invoices, warranties, trade finance instruments) are reaching sufficient maturity for practical commerce applications, but lacks the standards and demonstrated use cases needed for adoption beyond crypto-native communities. The question is where tokenized commercial instruments deliver concrete advantages in supply chain transparency, trade finance, and consumer trust.


03 Initial Work

Ethereum Bazaar

Marketplace infrastructure for peer-to-peer local commerce with onchain payments and EAS-verified reviews. Built with BuidlGuidl, piloted at Edge Patagonia.

DeCom Research

Exploring decentralized commerce as a design space.

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Global Insurance

Every participant in the insurance lifecycle depends on intermediaries to coordinate with the others. Ethereum could provide the shared verification and execution layer that lets them deal directly.

01 Why Insurance

Insurance is a coordination problem between parties that don't fully trust each other: policyholders, carriers, brokers, reinsurers, regulators. Today that coordination is managed by inserting intermediaries at every layer: TPAs between employers and carriers, brokers between buyers and underwriters, reinsurance intermediaries between cedants and capital. Each intermediary exists because the parties on either side can't independently verify each other's data or enforce shared terms. The result is a system where no single participant has a complete, trustworthy view of the state, and everyone pays for that opacity.

Ethereum offers shared verifiable state, self-executing agreements, and permissionless participation in risk markets — properties that can return agency to participants.

This implementation track explores where those properties can return agency to participants versus where intermediation still serves a legitimate function. It is scoped around the areas where we think the intermediation tax is highest and the path to self-sovereign coordination is most concrete.


02 Areas of Exploration

Parametric insurance and risk pricing

Parametric products (where payouts trigger based on measurable events rather than adjuster assessment) remove one layer of intermediation by design. We're exploring how prediction markets and decentralized oracle networks could further disintermediate the pricing function, allowing risk to be priced by open market mechanisms rather than proprietary actuarial models controlled by a single carrier.

Reinsurance and decentralized capital pools

Reinsurance today routes through a small number of brokers and carriers who control access to capacity. DeFi pool structures could open participation to a broader set of capital providers, each with direct visibility into reserves and exposure, rather than requiring trust in an intermediary's reported figures. We're looking at models where reinsurance capital can be deployed and managed through shared protocol logic rather than bilateral broker relationships.

Claims adjudication through decentralized arbitration

Claims resolution today is controlled by the party that owes the payout, which is an inherent conflict. Decentralized arbitration protocols offer a model where adjudication is handled by neutral, incentive-aligned participants rather than a carrier's internal team. We're researching how these mechanisms could give policyholders a more direct voice in dispute resolution, particularly for standardized product types where adjudication criteria can be codified.

Zero-knowledge attestations for claims verification

Verifying a claim today means surrendering sensitive records to adjusters and third parties. The policyholder has no control over what's exposed or to whom. ZK attestation schemes (including zkTLS) could let policyholders prove claims-relevant facts (that a flight was delayed, that a procedure occurred, that a sensor reading crossed a threshold) on their own terms, without handing raw data to an intermediary. We're investigating where this is practical today and where the tooling still needs to mature.

Stablecoin premium collection and claims payouts

Premium and claims payments today flow through banking intermediaries, correspondent networks, and currency conversion layers, each adding cost, delay, and counterparty risk. Stablecoin rails could allow direct settlement between policyholder and carrier, removing the financial middlemen from the payment loop. We're exploring both the practical benefits and the regulatory path.

Disintermediating third-party administrators

TPAs sit between plan sponsors and the insurance system, handling claims processing, provider networks, and benefits administration. Much of this role is procedural and rules-based. Protocol-level automation could allow plan sponsors and participants to interact with coverage directly, without a TPA mediating every transaction. We're examining where this shift is viable and where the administrative complexity genuinely requires a human intermediary.

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Automated SMBs

Small businesses run on disconnected tools, manual reconciliation, and agreements that only humans can read. Ethereum could make their core operations (ownership, payments, contracts, compliance) verifiable and programmable by default, creating the foundation for AI to actually run them.

01 Why SMBs

Small businesses manage procurement, payroll, treasury, equity, and contracts through a patchwork of disconnected tools that don't talk to each other. Every seam between systems requires manual reconciliation, introduces operational risk, and creates information that only the business owner can interpret. Cash flow visibility is limited. Access to credit is expensive and dependent on opaque underwriting. Agreements are written in natural language that no software can execute or enforce. Cross-border operations compound all of this with friction in payments, compliance, and document workflows.

The deeper problem is structural: SMBs lack the bargaining power to negotiate favorable terms with vendors, platforms, and financial institutions individually, and they have no infrastructure to coordinate effectively with one another. Large enterprises solve this with dedicated departments, custom integrations, and volume leverage. Small businesses absorb the cost or go without.

An AI agent can't manage a business's operations if those operations aren't software-defined. Without verifiable, machine-readable state, automation hits a ceiling.

Onchain infrastructure offers an alternative: make ownership, liabilities, and cash flows verifiable by default; encode roles, limits, and triggers into programmable agreements; and bridge small firms into a shared economic layer where they can pay, sell, borrow, and invest on the same rails as everyone else. This track explores where onchain primitives can make small businesses legible to software and where that legibility enables fundamentally new levels of autonomy.


02 Areas of Exploration

Cap tables and equity

Verifiable, onchain ownership records from day one: issuance, vesting, transfers. We're exploring how onchain cap table management could make equity transparent to investors, employees, and regulators without relying on a third-party platform to be the source of truth, and how this enables downstream automation (vesting schedules that execute automatically, transfers that enforce compliance constraints by default).

Approval workflows and organizational identity

Programmable, role-based permissioning that enforces who can move funds or sign agreements, with onchain identifiers representing employees and members. We're researching how these structures could replace the informal trust hierarchies that most small businesses rely on, giving them the operational controls of a larger organization without the overhead.

Treasury management

Stablecoin-denominated treasury with yield strategies, automated reporting, and compliance hooks. We're looking at how onchain treasury tooling could give small businesses real-time visibility into their financial position and access to yield opportunities that are currently available only to firms with dedicated finance teams.

Payroll, invoicing, and revenue splits

Instant, programmable global payouts with automated tax and compliance reporting. Automated distributions to partners, employees, and investors tied to income events. We're exploring how tokenized receivables, payables, and revenue shares could make the financial relationships within and between small businesses executable rather than just documented.

Commercial agreements

Legal smart contracts that embed milestones, royalties, licensing terms, rebates, volume discounts, performance incentives, warranties, expiries, and dispute handling directly into execution logic. We're investigating where machine-readable, self-executing agreements can replace the cycle of drafting, interpreting, and manually enforcing contracts that consumes disproportionate resources for small businesses.

Bookkeeping and procurement

Real-time, tamper-evident "triple-entry" ledgers providing auditable financial history, combined with smart contracts for purchase orders, RFQs, vendor agreements, and automatic replenishment. We're researching how collapsing the gap between transaction and record could eliminate the reconciliation burden that dominates small business back-office work, and how programmable procurement could give small firms access to structured purchasing workflows they currently can't afford to implement.


03 Initial Work

Onchain Organizations Townhall

Community discussion on the design space for onchain organizational primitives, hosted at ETHBoulder.

Academic RFPs

Active research proposals for PhD candidates.