🦝RISK: Recovery Insurance Service Kiosk
Introducing
What is 🦝RISK?
We provide insurance plans for P2P loans. Peer-to-peer (P2P) lending has opened up new opportunities for investors, but with every investment comes a degree of risk.
That’s where 🦝RISK comes in.
🦝RISK is Your Partner in P2P Loan Protection. Our company creates financial products designed to safeguard your investments and give lenders the confidence they need to thrive in the P2P lending space. Now, with RISK, you can insure your loans and minimize the impact of borrower defaults.
At 🦝RISK, we’ve developed a solution to provide coverage for P2P loans, ensuring that lenders can protect their investments even in the event of borrower default. Our service gives you the option to select from a range of coverage levels, letting you choose how much of the loan is insured.
Insurance Plans
We plan to open our services to the greater community in early/mid May of 2025! Early adopters and beta testers are already using our services.
By using 🦝RISK products and services, you agree to The Fine Print at the very bottom of this page.
How Does 🦝RISK Work?
Here's An Example: A lender is giving a 10,000 Mana Loan (L=10000) with 50% Coverage (C₅₀) to a Borrower. The lender tells the borrower they have a deal so long as the borrower purchases a 🦝RISK C₅₀ Loan. The borrower agrees and the mana is sent to the 🦝RISK Payment Portal- a bounty market- which stores the mana while the loan is active.
The next section has some more details on how things are calculated for our example.
How we determine fees
To access this valuable protection, borrowers pay an insurance fee, which is calculated using the formula:
Insurance Fee Calculation
I=(L×P)+(L×C)where:
I is the insurance fee
L is the loan amount
P is the risk fee (based on the borrower's credit score)
C is the coverage fee (depending on the selected coverage percentage)
Coverage fee
C₂₅ – 25% of the loan amount covered with a 2% coverage fee
C₅₀ – 50% of the loan amount covered with a 5% coverage fee
C₇₅ – 75% of the loan amount covered with a 11% coverage fee
C₁₀₀ – 100% of the loan amount covered with a 21% coverage feeIn addition to coverage, we factor in the Probability of Risk (P), which is based on the borrower's creditworthiness¹:
Risk fee (approximate)
900–1000 Extremely Safe ~5%
800–899 Super Safe ~7%
700–799 Very Safe ~11%
600–699 Safe ~15%
500–599 Moderately Safe ~25%
400–499 A Bit Risky ~45%
300–399 Risky ~75%
200–299 Highly Risky ~110%
100–199 Extremely Risky ~150%
0–99 Outrageously Dangerous ~200%In the future we hope to provide this additional service: If the loan is paid back on time and in full, then 🦝RISK provides the Fee Refund accordingly (up to 60% refund)
I_final = 0.6 × I (if loan repaid on time and in full)Let's break it down
Risk Fee (P):
The risk fee is determined by the borrower's credit score. For example, a credit score of 699 results in a ~5% risk fee.Coverage Fee (C):
The coverage fee varies depending on the selected coverage percentage. Here are the coverage fees:C₂₅ (25% coverage): 2% coverage fee
C₅₀ (50% coverage): 5% coverage fee
C₇₅ (75% coverage): 11% coverage fee
C₁₀₀ (100% coverage): 21% coverage fee
Insurance Fee (with example numbers):
Loan Amount (L): M1000
Risk Fee (P): 15% (due to borrower's credit score)
Coverage Fee (C₅₀): 5% (for 50% coverage)
Let's explain those example numbers a little more clearly:
Step 1:
The risk fee is calculated as:
M1000 × 15% = M150 (this is the risk fee).
Step 2:
The total loan amount after applying the risk fee is:
M1000 + M150 = M1150.
Step 3:
The coverage fee for 50% coverage is calculated as:
M1150 × 5% = M57.5.
Step 4:
The total insurance fee is the sum of the risk fee and coverage fee:
M150 + M57.5 = M207.5.
Total Fee for Insurance:
In this case, the total insurance fee is M207.5 for 50% coverage on a M1000 loan.
*Note: the fees may change before launch.
How we calculate 🦝RISK Credit Score
The 🦝RISK credit score mostly looks at three things: how much you have, how well you've done, and how long you've been around. It mixes those together in a careful way. If you're doing better, been around longer, and have more, you get a higher score. there's a tiny extra boost if you're one of the top users in your league. This is core to our business model, which is why we have not to opensource it the algorithm.
What happens if the borrower doesn't pay on time and in full?
If borrower does not pay back the loan on time and in full, then no Fee Refund is given and the insurance plan kicks into action. In our example above, insurance would cover the of the losses up to 50% (C₅₀). If borrower pays 80% on time, insurance will cover the remaining 20% and no fees will be returned. The borrower's 🦝RISK Credit Score¹ will also decline according to the severity of the issue. Lender's scores may also be affected if they consistently give out loans to high risk borrowers. While this does not affect Insurance Fees now, it may in the future.
Why Choose 🦝RISK?
Here’s why 🦝RISK should be your go-to insurance partner for P2P loans:
- Minimize Your Risk: With customizable coverage, you can reduce the financial impact of borrower defaults.
- More Confidence: Borrowers with varying risk levels can access loans, knowing there’s a safety net in place.
- Flexible Protection: Choose the level of coverage that best fits your risk tolerance.
- Easy Access: Our Recovery Insurance Service Kiosk streamlines the process of insuring your loans, making it simple to apply and manage.
Get Started with 🦝RISK Today
Our Early Adopter program is starting soon! We are starting with Coverage Plans for Loans up to 10,000 mana.
Ready to lend smarter? Contact crowlsyong on manifold today or visit our partner, Insured Mana Fund (IMF) for great deals on loans that are insured by 🦝RISK.
Limited Early Adopter spots available, act fast!
Investors
Last Updated: 25/04/2025
Risk Representative: @crowlsyong
📊 Overview
🦝 RISK is a private venture offering products such as the Risk Credit Score App and other digital insurance instruments on Manifold. These investment opportunities offer private equity tied directly to business revenue.
💼 Company Valuation & Equity Structure
Item Detail Company Valuation 500,000 Mana Total Company Shares 100,000 (implied) Shares Available to Investors 10,000 (10% of company) Share Price 5 Mana per share Minimum Buy-in 1,000 shares = 6,000 Mana Ownership per 1,000 shares 1% of 🦝 RISK
💰 Dividends
Up to 30% of total fee income is distributed to private investors who own 1% or more of the company.
Dividends are proportional to ownership.
Payments are made quarterly, and distribution methods will be announced each quarter.
Passive revenue, ideal for inflation hedging.
📈 Quarterly Reports
Quarterly earnings reports are published in:
January
April
July
October
📥 How to Invest
Step 1: Reserve Shares
Confirm your investment directly with @crowlsyong by sending a direct message.
Step 2: Send Mana
Send funds to the 🦝RISK Payment Portal after confirmation.
Step 3: Get Receipt & Record
You’ll receive a receipt.
A screenshot will be posted to the 🦝 RISK Payment Portal for transparency.
Once payment is received, your shares are locked in.
📦 Ownership Breakdown
Holder % Ownership @crowlsyong 55% Board 15% Public Stock Page 10% Private Shares (this offering) 10% 📖 RIPE (Research nonprofit) 5% POOR (Philanthropy org) 5%
🤝 Partnerships & Offers
We’re open to:
Strategic partnerships
Bulk investors
Counter-offers
📨 Contact
Want to be a 🦝 RISK Angel Investor?
Reach out to @crowlsyong to discuss opportunities.
Large investments may result in a board position.
Your input helps shape our direction.
⚠️ Important Notes
This offering does not use Manifold stock market mechanics.
Shares represent private equity and revenue-linked ownership.
By investing, you agree to the terms in The Fine Print at the very bottom of this page.
🦝 RISK® RECOVERY INSURANCE SERVICE KIOSK
Meet
Rick the RISK Raccoon
and see other memes and fun stuff
Pictured above: Rick protecting his family during a walk at the beach
Our mascot is the just & righteous racoon. Here's his a little bit about the proud procyonidae:
Name: Rick the RISK Raccoon
Concept:
Raccoons are clever, cautious, and resourceful — just like someone protecting their investments.
Rick will eventually wear a small insurance agent's vest with a little kiosk badge.
He’s friendly but serious, always double-checking contracts and holding a tiny clipboard, when we get around to animating that.
Why it works:
The raccoon represents vigilance- they're known for being careful scavengers.
"Rick" echoes "RISK," making the mascot instantly tied to the brand name.
It gives the brand a memorable, slightly playful face without undermining the importance of financial protection.
Here's what people are saying about the coon
Pictured above: Rick watching his investment portfolio
Pictured above: Rick giving food to the poor on a snowy winter day
Pictured above: Rick be is a qt pie in diss pictooor
Pictured above: Rick discussing with his pal Kit that I = C₂₅ × L × Pₗ is can be be packaged into a collateralized debt obligation and then repacked into credit default swap which can be sold as AAA to the highest bidders, but at a very dire cost
Pictured above: Rick brokering a GREAT deal with Tumbles and Joshua
Roadmap - 2025
April 2025
🦝RISK is born!
April 27–28:
Launch Canada elections insurance discounts for loans to Tumbles, while supplies last.
May 2025
May 1–15:
Begin work on design structure for company governance (board, nonprofit, investors, etc.).
Launch 10,000 mana stock match program (users contribute 250 mana, and we match it up to 10,000 mana).
Start development of Credit Score Chrome Extension (injects into manifold HTML).
May 16–31:
Begin work on 📖RIPE Dashboard (Research In Prediction Markets).
June 2025
June 1–15:
Continue development of bot that tracks bounty value and users' progress.
June 16–30:
Launch 📖RIPE Dashboard on Manifold.
July 2025
July 1–15:
Continue work on Loan Restructuring and create initial case studies.
Develop and begin work on LIFE (loan insurance for everyone).
Design the first draft of shell corporation setup.
July 16–31:
Pay dividends to investors
Release Q2 earnings reports.
Create and launch Discord server.
Continue work on bot that helps users track payments with headless browser and blockchain integration.
August 2025
August 1–15:
Finalize :book:RIPE open-source tech on GitHub.
Begin work on Figma plugin and gather initial design feedback.
Launch 10,000 mana stock match program as a recurring feature.
August 16–31:
Finalize Loan Restructuring model and offer the service to users.
Hire the first employee to assist with scaling operations.
September 2025
September 1–15:
Work on setting up new bank to accrue interest after subscription model is launched.
Start researching feasibility of mana being Turing complete and test if it’s possible to run DOOM on it. Begin planning for blockchain and cryptocurrency development.
September 16–30:
Continue development on LIFE (loan insurance) and map out business model.
Focus on completing and releasing any final elements of loan restructuring.
October 2025
October 1–15:
Buy domain: *censored
Continue work on mana Turing completeness project and explore how to integrate cryptocurrency.
October 16–31:
Release Q3 earnings reports.
Pay dividends to investors
Develop new features and capabilities for Discord server.
November 2025
November 1–15:
Finalize Loan Restructuring model for official release.
Begin preparations for Subscription model for Chrome extension (planned for release end of year).
November 16–30:
Begin development of bot that tracks top users, and sell access to the bot for a mana fee and integrate the bot with the RISK bank to build interest.
Begin development of Collections agency refinancing and debt restructuring model, where we pay lenders a discount to buy their debt.
December 2025
December 1–15:
Finalize and release payment model for Chrome extension with Google Auth, allowing users to pay upfront for a set period.
Finalize bot that tracks top users and connects it to the RISK bank.
December 16–31:
Prepare quarterly financial reports (Q4) and year-end review.
Conduct project review and scaling strategy meeting for Q1 2026.
Research & Data
📖RIPE is our sister company, a manifold non-profit we created to lead the way in researching the prediction economy. We aim to take advantage of the API in order to gather and organize data to make it useful to not only ourselves, but also the community at large.
We are looking for investors to help with API fees. Scroll down to Funding Rounds to learn more about investing opportunities.
This research org is still in its infancy. Check back later for updates and publications.
Update #4 | 26/04/2025 - More changes!
Our research branch is in the lab right now. They are testing much lower fees.
Coverage fee
C₂₅ – 25% of loan covered = 1.05x fee
C₅₀ – 50% of loan covered = 1.12x fee
C₇₅ – 75% of loan covered = 1.28x fee
C₁₀₀ – 100% of loan covered = 1.54x fee
And adding:
Duration fee
<1 month = 1.02x fee
1–2 months = 1.06x fee
3–5 months = 1.1x fee
6–11 months = 1.25x fee
12–23 months = 1.35x fee
24–47 months = 1.6x fee
48months+ = 1.8x fee
This helps give better deals to shorter term loans, and should make sure high credit score users don't get shafted with high fees. Having a high credit score should always result in low fees, so we will report back if these numbers work.
Update #3 | 23/04/2025 - Fee Calc., Credit Score Changes
We modified our Credit Score System algorithms- they should be more accurate now.
Our Insurance Fee calculator is almost ready for primetime (see screenshot below). Researchers are a little worried though. The API (which is used to generate 🦝RISK Credit Scores) is also in Alpha, and may change/break at anytime. Since this is the backbone of our business, we are seeking to diversify our strategy for generating good, accurate credit scores. If this research interests you, contact @crowlsyong to assist (working for 📖RIPE has benefits such as a quarterly dividend payout!).
Update #2 | 23/04/2025 - Investment Opportunities
RIPE is investigating the utility of dividends as an investment option. Each quarter 🦝RISK would pay a percentage of the fees earned as a dividend. The larger the investment, the higher the percent in dividends. This opportunity is only available for investments of 20k-100k Mana.
If you're that investor, contact @crowlsyong today!
Update #1 | 21/04/2025 - Determining Risk
Learn how we calculate risk. See chart below.
Blog
Tumblingnomics
25/04/2025
This has got to be one of the best comments I've come across in my time here. Our first customer, @CryptoNeoLiberalist posted the comment on Tumbles market: /Tumbles/will-tumbles-ever-be-late-to-pay-ba
Bless you, Gigacuking. Bless you.
Arriving late 2025 - early 2026
🦝 RISK Loan Packages (RLPs) and 🦝RISK Package Insurance (RPIs)
At 🦝RISK, we’re proud to expand the future of peer-to-peer lending with two powerful new offerings: 🦝RISK Loan Packages (RLPs) and 🦝RISK Package Insurance (RPIs).
🦝RISK Loan Packages (RLPs)
🦝RISK will now bundle individual insured loans into investment packages. These bundles will be independently rated from AAA (safest) to BBB (riskiest), helping you select investments that match your risk appetite — all while knowing the loans are already backed by 🦝RISK insurance.
AAA Packages: Loans to low-risk borrowers; highly stable and modest returns.
AA and A Packages: A blended portfolio of low- and standard-risk borrowers.
BBB Packages: Higher proportions of high-risk borrowers; higher potential returns but more volatility.
🦝RISK Package Insurance (RPIs)
Beyond loan-level protection, you can now insure entire packages, and even sets of packages.
If multiple borrowers in a package default, 🦝RISK Package Insurance ensures you recover your insured share based on the selected coverage.
and then this is probably not a wise idea:
How It Works: Examples for Manifold Users
Let's walk through realistic scenarios:
Example 1: Buying a AAA RLP
You invest: 10,000 mana in a AAA RLP
Expected gross return (before insurance): ~5%
10,000 mana × 1.05 = 10,500 manaYou buy RPI at 1% cost:
10,000 mana × 0.01 = 100 mana insurance costFinal return (if loans repay as expected):
(10,500 - 100) = 10,400 manaIf defaults occur, insurance can soften or erase the impact.
Example 2: Buying a BBB RLP
You invest: 10,000 mana in a BBB RLP
Expected gross return (higher yield): ~12%
10,000 mana × 1.12 = 11,200 manaYou purchase RPI at 4% cost:
10,000 mana × 0.04 = 400 mana insurance costFinal return (if loans repay as expected):
(11,200 - 400) = 10,800 manaIf defaults are higher than expected, insurance helps recover losses up to coverage limits.
We’re excited to offer smarter, more flexible ways to grow your mana while managing your exposure. We are even considering building products on Manifold which correlate to fake money versions of health, life, car, business, and home owners insurance! We may also dabble in debt refinancing, but that's for the future to determine. We are also looking into providing services on manifold for Mergers & Acquisitions. We just might design a layer 2 solution for our products to integrate seamlessly into manifold. We also plan to use the API for various services and products. We may also use AI to automate tasks and finally: we hope to have a roadmap up soon. If you are a service provider on manifold and investors want to acquire your business, us to us first.
Stay tuned for more updates and happy investing.
The Fine Print
This is risky. At present, NO guarantees are made. This is currently for fun and for experimentation purposes. Once the company can make guarantees, this fine print will be updated accordingly. You could lose everything you give to 🦝RISK or entities which 🦝RISK controls. While we aim to strengthen your mana experience, the novelty of this technology and the limited tools available on the platform force us to be real with you- we just can't make any promises (yet). We hope that in the event of a catastrophic failure, another manifold insurance company or manifold bank is available to bail us out. Either way, you have been warned.
By using any services related to or run by RISK, you agree to these terms and conditions.
