Talent Fund Overview

What is Talent Fund?

Talent Fund is an on-chain mutual insurance platform that democratizes access to educational opportunities by protecting students from financial risk. Unlike scholarships, loans, or Income Share Agreements, Talent Fund uses a mutual insurance model where students pay modest premiums (2-5% of program cost) to receive coverage that refunds 50-70% of tuition if they complete the program but fail to secure employment within six months.

The Problem We Solve

The traditional education financing landscape suffers from three critical failures:

1. Scholarships

- Reach only 5% of deserving students - Highly competitive with acceptance rates below 1% - Provide inadequate coverage for program costs - Lack scalability and sustainability

2. Student Loans

- Create crushing debt burdens ($30K+ average) - Fixed repayment regardless of employment outcomes - High interest rates (6-12% APR) - Persist for decades, limiting financial freedom

3. Income Share Agreements (ISAs)

- Predatory terms with effective interest rates of 50-100%+ APR - Misaligned incentives that profit from student struggle - Complex legal structures that obscure true costs - Limited regulatory oversight

Our Solution: Mutual Insurance

Talent Fund addresses all three failures through a fundamentally different approach: - Affordable Protection: 2-5% premium vs. 10-17% ISA income share - No Debt Burden: Students never owe more than the premium paid - Outcome Alignment: We profit when students succeed - Sustainable Capital: Revenue recycling creates exponential growth - Risk Socialization: Mutual pool distributes risk across all participants

Key Metrics

- 15,000+ Students in our target community - 6,000+ Opportunities across bootcamps, conferences, and certifications - $3M+ AUM Target for Year 1 - 6-8% DeFi Yields on treasury management - 50%+ Profit Margins at scale (Year 5+)