Hey like i often do i just got an idea yesterday but for once i could actually realize it quite easily, except i'm not sure it would work out well haha.
so let's say your a regular poster did you already receive downvotes even too you didn't do anything wrong ?
and let's say your a gamer on hive and your a little scared to loose your value in case the game your investing in rugpull or get hacked.
Well for both of these situation hive insurance could help, let me pitch the idea.
For the active posters : Let's say you get downvoted but really enjoy getting payouts, well in that case hive insurance could be the solution because you only have to make a contract with the insurance and using an nft issue everyone could see what we engaged to pay you back.
Let's say you get 1$ average payout, 50/50 split, so 0.50 for you.
Then depending on the riskness of being downvoted, like the subject, or past downvotes. We calculate a % of beneficiary you have to put us on each post.
Then the day you get downvoted you just ping us under the post, then we check what was the average post payout you signer up for, if you put us as beneficiary, and if own the contract nft if all is okay then you will get your compensation.
Base beneficary 2%
| Riskness | "Safe" post | "Medium" Post | "Risky" post |
|---|---|---|---|
| Additional % | +1% | +2% | +3% |
| Aveg post payout | ~+0.50$ | ~+1$ | ~+2$ |
|---|---|---|---|
| Additional % | +2% | +1% | +0% |
Or maybe i should work on another model, but that one seem kinda cool but the other one i though was 5% for everyone + the risk (0% for safe, 1% for medium, 2% for risky)
So if your earning 1$ per post with "medium" post then
You will have to put hive insurance as a 5% beneficary on all your post and the day there is a downvote you will get a 1HBD compensation.
A cool perks of subscribing to an hive insurance is that the account receiving the beneficiary will use it's voting power on the insured posts so it give you a little bonus like rewards.app does.
Interested ?
The second part about the gaming insurances idea will come another day cuz i wanna do some bad calculation.