Q1 2026 (Jan 1 – Mar 31, 2026)
The insurance pool is the engine of our dispute fast-track. 0.5% of every successful transaction goes in. Buyer refunds under GHS 500 come out. We publish the balance every quarter so sellers, buyers, and partners can verify the maths.
Published 2026-04-15 · Next report due 2026-07-15
Pre-launch baseline
Cohort 1 onboarding starts in Q2 2026. The numbers below are the founder-funded seed reserve, with no transactions or claims processed yet. The Q2 report will be the first live snapshot.
Seed reserve
GHS 50,000.00
Founder-funded float
Contributions this quarter
GHS 0.00
0.5% of gross
Claims paid
GHS 0.00
0 fast-track
Closing balance
GHS 50,000.00
Reconciled daily
Activity this quarter
- Transactions processed
- 0
- Disputes opened
- 0
- Resolved via fast-track (< GHS 500, 24h)
- 0
- Dispute rate
- 0.00%
- Claims rate (pool drawdowns)
- 0.00%
Sustainability check
The pool is sustainable as long as contributions plus the seed exceed claims paid. We watch three numbers:
- Closing balance > 0 — the pool must never go negative. If it trends down, fast-track threshold drops first.
- Claims rate < 1% — the actuarial model is built around this. Higher rates trigger a re-pricing review.
- Dispute rate < 5% — above this, something is wrong with onboarding screening, not the pool.
How the pool actually works
- 01Every successful escrow release contributes 0.5% of the gross transaction to the pool.
- 02When a buyer opens a dispute under GHS 500, fast-track pays them within 24 hours from the pool — without waiting for seller response.
- 03We then chase the seller for evidence. If they win, the pool is reimbursed from the held funds. If they lose, the pool absorbs the cost.
- 04Every movement in and out of the pool is logged to an immutable audit table and reconciled daily.
Verifiability
We publish the pool balance every quarter and reconcile daily against Flutterwave settlement statements. For sellers in cohort 1, the dashboard exposes the same ledger entries in real time.
If something in this report doesn’t add up, email transparency@getblock2pay.com and we’ll publish a correction with the next report.