What is actuarial science?
Actuarial science is the discipline used by insurance companies to calculate risk, price products, and ensure solvency. Tripool applies the same framework — to guarantee that contributors can access premium travel.
The key insight: not everyone travels at once
10,000 members each with the right to 1 trip/year does NOT mean 10,000 simultaneous trips. Travel is distributed across 52 weeks with a seasonal concentration of 2.8x in peak months.
The solvency ratio
Tripool maintains a mandatory coverage ratio for each of its 3 independent pools. When it drops below the threshold, the pool enters defensive mode.
Why $1.50/day works
Ride package: $547.50/year × 10,000 members = $5.475M pool. Expected annual cost (18% usage rate): $851,760 with reserve. Coverage ratio: 6.4x.
The ATSE engine
Before each booking, ATSE verifies 8 eligibility criteria in real-time to maintain solvency. This protects every member while enabling fast automated booking.