riskipoolit
Riskipoolit is a Finnish term used to describe pooled risk-sharing arrangements in finance and insurance, and the concept is also used in decentralized finance (DeFi) to refer to pools of capital that cover potential losses across multiple risk exposures. The basic idea is collective risk transfer: individuals or institutions contribute funds into a common pool, and when a defined loss occurs, claims are paid from the pool according to predefined rules. Governance is often via member organizations or, in DeFi contexts, token holders, with risk assessment relying on actuarial models, historical data, or protocol-defined underwriting standards.
In traditional finance, risk pools appear as mutual insurance companies, health or unemployment pools, and reinsurance
Benefits of risk pools include risk diversification, reduced single-party exposure, and the capitalization of collective expertise.
See also: risk pool, mutual insurance, DeFi insurance, risk management.