** Mutual Insurance Platform **

• Overview - This project is a blockchain-based mutual insurance platform designed to provide an innovative approach to trade credit insurance. By leveraging tokenized rewards, decentralized governance, and privacy-preserving data sharing, the platform aims to enhance financial resilience for businesses while promoting fair and efficient insurance practices.

• Key Features Tokenized Incentives:

H2O (Utility Token): Rewards members for sharing accurate payment and trade credit data. Mu (Security Token): Used for purchasing insurance and enabling profit distribution (future phase). Decentralized Data Sharing:

Contributors anonymously share trade credit data to create a "super ledger."\n - Privacy-preserving mechanisms protect data contributors' identities.

• Smart Contracts for Insurance:

Dynamic "Pay-As-You-Trade" model for premiums based on real-time risk exposure. Automated claim processing and voting mechanisms for fairness and transparency.

• Community-Driven Governance:

Token-based voting for claims validation and risk management. Members actively participate in the platform's operation and decision-making.

• Benefits Improved credit risk insights and transparency. Fairer premiums aligned with individual risk profiles. Enhanced financial stability for small and medium-sized enterprises (SMEs).

• Roadmap Phase 1: Develop the H2O token system and super ledger for data sharing. Phase 2: Introduce Mu tokens for capital raising and premium transactions. Phase 3: Full mutualization with decentralized governance and profit-sharing.

• Technology Stack Blockchain: Ethereum for smart contracts and token management. Backend: Node.js for APIs and data aggregation. Frontend: React for user interfaces. Privacy Tools: zk-SNARKs for anonymized data sharing.

• Get Involved We welcome contributions and feedback from the community. For more information, check the documentation in the docs/ folder or open an issue in the repository.