Risk sharing without costs 30%, taxes 20% and profits 10%. So at least with 60% lower Premiums


RiskShare is the world's first and only true peer-to-peer (P2P) risk sharing platform. On this platform, participants only pay premiums for each other's claims without the intervention of an insurer or reinsurer, resulting in a savings of 30% in costs, 20% in taxes, and 10% in profits. As a result, premiums are at least 60% lower than with traditional insurance. Participants pay only a monthly variable premium. No payments and refunds before and after. RiskShare means the sharing of claims paid per day, by the new and renewing participants on that day. Despite its similarities to a traditional insurer, RiskShare is an online network without a legal status, and thus has no expensive buildings, directors, or staff, resulting in a lack of bureaucracy. RiskShare offers coverage for death, disability, accidents, healthcare, travel, liability, legal aid, damage or loss to car, house and contents. RiskShare tagline: 'Risk ends where RiskShare begins'


The premium volume in the insurance industry amounts yearly to no less than 7000 billion euros worldwide. Many times larger than the cab industry (200 billion) and the hotel industry (1000 billion) in which Uber and Airbnb disruptively excel. This makes it remarkable that disruption has so far remained absent from the insurance sector. That's why there is now 'RiskShare'. A P2P risk sharing platform with mutually agreed terms and at least 60% lower premiums advised and managed by independent advisors. Every person and every family all over the world needs protection from financial risk. RiskShare puts P2P risk sharing at your fingertips anywhere in the world with nothing more than smartphone and internet. RiskShare will become bigger, more agile and more profitable than Uber and Airbnb with the right man or woman at the top.



But Car Drivers But Home Owners But Risk Advisors
For Ride Sharing

For Room Sharing

For Risk Sharing
Aside to Travelers Along with Vacationers Among all Participants
At 40% Discount At 50% Discount At 60% Discount

Via the "Uber" Platform

Via the "Airbnb" Platform Via the "RiskShare" Platform
All over the World All over the World All over the World


Risk sharing is advised and managed by independent financial, tax, legal and medical (Deloitte) advisors. The advisors build their own client base through subscriptions and determine the amount of the subscriptions themselves (e.g. €75,00 p.m.). They are the first and only point of contact for advice and claims and thus client responsible. Advisors represent not only the interests of their individual clients through prompt claims settlement, but also the interests of all their clients for low premiums through fair claims settlement. By doing so, the advisors are the equivalent of the front and back office of a traditional insurer. All this makes RiskShare highly digital and highly personal. In addition, they are the key marketing drivers. The RiskShare advisors partnership sets the requirements and conditions for the entry of new advisors and experts and the forced exit of non-performing advisors and experts.


  • Billions of people worldwide want to switch to 60% lower insurance premiums
  • Millions of advisors worldwide want an advice income up to €90,000 per year
  • RiskShare forms a decentral ecosystem of holacracy, so without bureaucracy
  • RiskShare is a network without status, so no laws, regulations and licenses apply


RiskShare consists of 5 authority-free entities that are legally independent but economically inseparable. In this way, RiskShare forms a decentralized ecosystem of holacracy without bureaucracy. Holacracy not as a goal but as a logical consequence of the business model.

  Network of P2P Risk Sharing

 Partnership of Independent Advisors

Experts for Handling Claims

  Platform of Risk Sharing Technology 

 Fund of Clients and Advisors


  • Clients choose or switch advisors for an advisory subscription. Fully customer-centric, in other words.
  • Then they can easily close, pay, claim and cancel risk sharing schemes themselves in minutes. The monthly  premiums are variable and automatically (re)calculated daily, for each specific risk, to cover claims paid on that day.
  • The partnership of advisors conducts client surveys (sample) on preferences for risk sharing schemes. If desired by the majority, these are introduced. In this way, clients influence the premiums. Restrictive or generous conditions lead to fewer or more claims and therefore lower or higher premiums.
  • Advisors submit claims to a (Sedgwick) expert, who is randomly assigned by the platform. The expert's fees are borne by the advisors and paid in advance regardless of whether payouts follow. All this avoids conflicts of interest.
  • Advisors pay a platform fee of €8,00 per client per month for the risk sharing technology and for the collection of their subscriptions.
  • The P2P risk sharing network, as the risk bearer, does not have a legal status and risk sharing is not a product. So laws, regulations and licenses do not apply.
  • No tax due on payments from a p2p risk sharing scheme. They are not payments from a legal party or from assets.
  • P2P risk sharing in all corners of the world directly between local clients, advisors and experts without a central authority, using nothing but smartphone and internet.


    96% of all transactions in the insurance industry involve the collection of premiums. RiskShare has a fully automatic collection process. After in the RiskShare app the premium calculation and closing or cancellation is completed, participant is forwarded to PayPal that automatically handles the direct debit or cancellation. The details of all premium transactions are verifiably stored on the private blockchain. This process offers maximum scalability to grow exponentially to many millions of participants and transactions without the additional deployment of manpower and systems.


    4% of all transactions involve payments to claims. In the RiskShare app, participant reports the claim via Artificial Intelligence to his/her advisor. Advisor and expert assess the claim. Expert creates a payment link. Advisor approves the link. Participant activates the link and accepts the claim settlement by crediting to his/her PayPal account. For each specific risk, premiums are automatically (re)calculated daily, to cover the claims paid on that day. In this way, participants, both new and renewing, always pay a balanced share. The details of all claim transactions are verifiable stored on the private blockchain.


    PayPal is an essential component of RiskShare's operational processes, as it enables the efficient and secure collection and payment of premiums and claims. The fully automatic collection process allows for maximum scalability, handling millions of transactions without the need for additional manpower and systems. Additionally, the use of a private blockchain ensures that all transaction details are verifiable and secure. Overall, PayPal plays a critical role in the efficient and streamlined operation of the RiskShare platform.


    • Blockchain are hashlinked transactions that cannot be changed or deleted
    • Consensus is required before a transaction is added to the blockchain
    • Private by participation of only verified and identified participants
    • Participants have visibility of all the transactions stored on the blockchain


      The premiums for disability insurance offered by traditional providers are prohibitively high for many self-employed individuals in the labor market. As a result, a significant number of them go without coverage. While absenteeism due to illness among self-employed individuals is typically below 2%, assuming an average absenteeism rate of 4% and a benefit of €2,000 per disabled person per month, the total monthly claims for 100 risk-sharing participants would be €8,000. This translates to a premium of €80 per participant per month, which represents a savings of at least 60% compared to traditional insurance providers. The premium amount is age-dependent, starting at €5 per month for an 18-year-old and increasing by €3 per year. For a 67-year-old self-employed individual participating in the risk-sharing scheme, the premium is €155 per month. It's important to note that payments received from P2P risk sharing schemes are not subject to income tax.



      • Clients: At least 60% premium discount through P2P risk sharing
      • Advisors: €90,000 in subscriptions per year with e.g. 100 clients
      • Platform: €96 fee per year per client from the RiskShare advisors
      • PayPal: At least €50,000,000 turnover per year at 1 million clients


      The goal within five years is to establish a network of one million clients, form partnerships with 5,000 advisors, and facilitate millions of transactions. The platform is projected to have a market value of one billion euros, based on a valuation of 13 times its profit or an 8% rate of return. Once this is achieved, an exit strategy will be considered. The journey will start with ten million euros in launch capital and aim to reach a market value of one billion euros in five years, with a focus on both growth and profitability.


      • Platform Fees: €96,000,000
      • Platform Costs: €20,000,000
      • Platform Profit: €76,000,000


      STEP 3 NOW

      1. Attracting a visionary entrepreneur with a drive for success and a passion for innovation
      2. Raising launching capital
      3. Recruiting a small commercial and technical staff
      4. Programming the risk sharing schemes
      5. Collaboration with (Deloitte) Advisors
      6. Collaboration with (Sedgwick) Experts
      7. Promotional actions
      8. Global launch Q3-2023


      Are you a visionary entrepreneur with a drive for success and a passion for innovation? Want to launch a world-class internet platform with limitless potential, drawing comparisons to the likes of Uber and Airbnb? Do you possess exceptional commercial skills and an undeniable charisma, as well as a natural affinity for insurance and franchising? And, most importantly, do you have the ability to think big, start small and scale fast? Then RiskShare presents a rare and irresistible opportunity for you to become a successful unicorn founder and reap significant financial rewards in just five years. Join the revolutionary insurtech platform that's set to shake up the insurance industry and make history. All you need to do is secure initial funding and assemble a network of independent advisors. Don't miss this once-in-a-lifetime chance to be at the forefront of industry disruption - contact us today!

      Entrepreneurship in the sharing economy requires a unique set of characteristics that can help increase the chances of success. Some of the most important ones include:

      • Adaptability: The sharing economy is constantly evolving, and entrepreneurs must be able to quickly adapt to changes in the market and respond to customer needs
      • Networking skills: Building a strong network of customers, partners, and suppliers is critical to success in the sharing economy
      • Customer-centric approach: A successful entrepreneur in the sharing economy must be focused on providing an outstanding customer experience
      • Innovation: The sharing economy is characterized by disruptive innovation, and entrepreneurs must be creative and think outside the box to succeed
      • Empathy: Understanding the needs and pain points of customers is crucial in the sharing economy, and entrepreneurs must be able to connect with their customers on an emotional level
      • Strong communication skills: Clear and effective communication is essential for building trust with customers and partners, as well as for promoting the brand
      • Financial savvy: An entrepreneur in the sharing economy must have a good understanding of financial management, including budgeting, pricing, and cost control
      • Resilience: The sharing economy is highly competitive, and entrepreneurs must be able to handle setbacks and failures and continue pursuing their goals
      • Collaboration: Success in the sharing economy often depends on working effectively with others, including partners, suppliers, and customers
      • Passion: Finally, an entrepreneur in the sharing economy must have a strong passion for their business and a drive to succeed, no matter the obstacles they face

          Burg. Kolfschotenstraat 4    Tel. +31(0)653374097
5616 DD Eindhoven            platform@riskshare.nl