Insurer agent
A credit insurer acts as an agent in the ecosystem. She has the following capabilities:
Agent profiling. She can read other agent's history and make a profile, even with advanced scoring techniques. This is to avoid anyone in the community crediting agents likely to not cover their debts.
Check agent transactions. Did the debtor pay to the creditor?
Value staked. She has contributed with a stake of DICs sent to the Reserve Account.
Income generation. She will collect fees for any insurance contract in proportion to the value staked.
Transparency. All data may be available: balances, agent profiles, etc.
HoloFuel Balance. To pay for computation required.
Gossiping for good or bad reputation.
Ask to be deleted from the system.
Validations.
Check transactions are done.
Check proof of service.
Check their own transactions before committing them.
A credit insurer will be a set of agents or an organism (DAO-like). This could bring new features to the entire ecosystem:
All of the previous ones.
Decentralized funding. New agents will be welcome to join as investors. Their fund will be booked as reserves and they will get a share of the benefits.
Security. Bigger credit insurers providing services for many communities will make this kind of organism stronger to provide higher insurance amounts.
Hard to manipulate.
Reliable. In case an agent opts out or disconnects for a while, DIMCredits keeps running.
Fast. The more agents providing the service, the faster. In a DMAS, more agents increase the performance.
Quality of service.
Mutual currency mechanisms.
Cloning.
We also have to think about what features are required in the products and services communities for the agents to operate safely and successfully.
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