Annotation: Studies devoted to the pricing of digital financial assets and the formation of insurance reserves of insurance companies appear to be relevant and rapidly developing in the context of the global economy. The gradual transition to digital financial products and technologies creates new challenges and opportunities for economic research. This topic is considered at the economic level with the aim of in-depth analysis of the digital asset pricing process and its impact on the financial stability and risks of insurance companies. This research will focus on studying the mechanisms underlying the pricing of digital assets, including cryptocurrencies, digital securities and other financial instruments that are increasingly popular in today's world. Attention will also be focused on the analysis of strategies and methodologies for the formation of insurance reserves for insurance companies, especially those facing the risks of technology and digital assets. Research on this topic can contribute to the development of risk management and pricing strategies in the field of digital financial assets and insurance, which play an important role in the sustainable development of the global economy.