Here are some features of those smart contracts :
_ ONLY WORKING FOR ETHERS _ There is one contract for each person. Only the beneficiary can withdraw the funds. _ Everyone can deposit fund on the smart contract, at any time. _ The funds can be withdraw only after the releaseTime (you have to set it directly from Remix.org after deploying the contract). _ The releaseTime correspond to a specific date that Insula and/or the investor will chose.