Hello Steven & Matthew!
Nice to meet you here again Matslats!
I'm here because Mathew gave me a poke last summer to become a member! I would love to cooperate with the Robinhood community! I actually already talked about this with Matslats ofc, Daniel Hassan, Brett Scott and Geert Lovink! Same way of seeing things and tactics, different financial problem. So I think it is more than logic & natural to make this step.
So CommonEays is a P2P "insurance" network based on the design principles of robust Commons. We are not using blockchain so far, I can see the merrit of it, but the bottle neck now is still human interaction and understanding...
So me and my brother Florian explored the last five years different models of self-insurance and I wrote my master thesis in economics about very successful primitive grass roots self-insurance group "Broodfonds".
The last three years we build a model with feedback from our peers in sharing risk from their smartphones with their social network. the results are promising, we expect we can compete with top-down insurance companies. Actually we expect it works way beter because of all kinds productivity gains you expect from a common governed/managed resource pool. At the end of summer 2015 we made it fully operational. thus also in the Dutch/ European legal context.
Our next challenge build a bigger network and fight of potential venture backed copy cats in the future. That is a bigger problem we all understand here and why we are here. So maybe we can try to build a nested and decentral way of governing this common. Probably a hybrid of a social enterprise and branches of local foundations/ co-ops.
I hope I can count on your support!