🦝RISK Recovery Insurance Service Kiosk

🦝RISK | 📖RIPE | ⛑️POOR | ⚖️LAWS

Quick links: Credit Score app | Insurance Calculator | Payment Portal | IMF
Additional Links: Blog, Terms & Conditions, Privacy Policy

Need to make insurance claim? Click here

Stay calm. We'll open a case file and a RISK agent will be on the scene as fast as possible.

⚠️Claims must be made within one week of the loan's due date. If outside that period, the policy becomes inactive and claims can no longer be accepted. For more info, head to our Terms & Conditions, Article II Section 3.

Table of contents

#️⃣What is 🦝RISK?
#️⃣Investors
#️⃣Roadmap
#️⃣Rick the 🦝RISK Raccoon

#️⃣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.

By using 🦝RISK products and services, you agree to the Terms & Conditions.

Insurance Plans

How Does 🦝RISK Work?

Here's An Example: A lender is giving a M1,000 Loan (L=1000) to a Borrower. The lender tells the borrower they have a deal so long as the borrower purchases a 🦝RISK C₅₀ (50% coverage) Loan. The borrower agrees and the Insurance Fee is sent to the 🦝RISK Payment Portal- a bounty market- which stores the mana while the loan is active. If the borrower defaults, our insurance activates and 🦝RISK will pay the lender 50% of the loaned amount (M500).

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)+D

where:

  • I is the insurance amount

  • 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)

  • D is the duration fee, gets high the longer the loan is.

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 8% coverage fee
C₁₀₀ – 100% of the loan amount covered with a 12% coverage fee

In 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              ~2%  
800–899     Super Safe                  ~3%  
700–799     Very Safe                   ~5%  
600–699     Safe                        ~7%  
500–599     Moderately Safe             ~10%  
400–499     A Bit Risky                 ~14%  
300–399     Risky                       ~25%  
200–299     Highly Risky                ~60%  
100–199     Extremely Risky             ~100%  
0–99        Outrageously Dangerous      ~160%

Duration Fee (D):
The duration fee (D) is calculated using a dynamic formula based on the number of days until the loan's due date. This ensures policies covering longer periods accurately reflect increased risk.

D = ceil(L * min(0.00001379 * days^1.5, 0.50))

where:

D is the duration fee in mana (rounded up)
L is the loan amount
days is the number of days until the loan's due date

For example, a 6-month loan (approx. 180 days) of M1000 would result in a duration fee calculated as:

D = ceil(1000 min(0.00001379 180^1.5, 0.50))
D approx. ceil(1000 min(0.00001379 2414.9, 0.50))
D approx. ceil(1000 min(0.0333, 0.50))
D approx. ceil(1000 0.0333) = ceil(33.3) = M34

In this example, the duration fee would be M34.

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 650 results in a ~7% 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): 8% coverage fee
C₁₀₀ (100% coverage): 12% coverage fee

Duration Fee (D):
For our example loan of M1000 with a hypothetical 6-month (180-day) due date, the duration fee (D) would be M34 (as calculated above).

Insurance Fee (with example numbers):

Loan Amount (L): M1000
Risk Fee (P): 7% (due to borrower's credit score)
Coverage Fee (C₅₀): 5% (for 50% coverage)
Duration Fee (D): M34 (for a 6-month loan duration example)

Putting it all together

Step 1:
The risk fee is calculated as:
M1000 7% = M70 (this is the risk fee).

Step 2:
The coverage fee for 50% coverage is calculated as:
M1000 5% = M50.

Step 3:
The total insurance fee is the sum of the risk fee, coverage fee, and duration fee:
M70 + M50 + M34 = M154

To Summarize:
In this case, the total insurance fee is M154 for 50% coverage on a M1000 loan with a 6-month duration for a user with a credit score of 650.

Note: the fees may change at any time. They do not retroactively change for Active Insurance Policies (AIPs)

How we calculate 🦝RISK Credit Score

The 🦝RISK credit score is calculated using a weighted combination of six factors: your current balance, managrams, profit, account age, transaction quantity, and league rank. Each component plays a specific role:

  • Balance reflects how much you have.

  • Managrams how much you have received vs how much you have been given.

  • Profit tracks how well you've done financially over time.

  • Age adds credibility based on how long you’ve been around.

  • Transaction quantity reflects how much you engage with the Manifold.

  • League Rank gives credit for your relative performance compared to peers.

These values are combined using specific weights to produce your credit score. The formula is proprietary and central to our model, so we don’t open source the exact 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.

It is the responsibility of the lender to make a claim within one week of the loan's due date.

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: 2025/04/27
Risk Representative: @crowlsyong

📊 Overview

We sell stock. You can buy this stock. As a reminder,🦝RISK is a private venture offering products such as the Risk Credit Score app and other digital insurance instruments on Manifold. The investment opportunities we offer are private equity tied directly to business revenue. We may do a stock split in the future- private investors will be notified well in advance.

📦 Valuation & Ownership

Overview
======================
M500,000 - Company Valuation
M65,000 - Market capitalization
1,000,000 - Total Shares
M.25 per Share
======================

Shares ownership
55% - @crowlsyong | 550,000 Shares
26.75% - Privately Held Shares (held by private investors) | 260,750 Shares
2.25% - The Board | 22,500 Shares
5% - 📖 RIPE (Research In Prediction Markets- nonprofit) | 50,000 Shares
2% - ⛑️POOR (Philanthropic Organization Offering Relief) | 20,000 Shares

💰 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 intentions with @crowlsyong by sending a direct message.

Step 2: Send Mana

Send funds to the 🦝RISK Payment Portal or @crowlsyong after deal is confirmed.

Step 3: Get Receipt & Record

  • You’ll receive a receipt.

  • A screenshot will be posted to the /crowlsyong/risk-payment-portal for transparency, eventually.

  • Once payment is received, your shares are locked in.

🤝 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

  • Shares represent private equity and revenue-linked ownership.

  • By investing, you agree to the Terms & Conditions

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Some of these are affiliates, some are competitors. RISK supports our partners & our competition. Take a look at these business and services.

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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 raccoon

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) + (P × L) 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

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