Would the following structure be possible? (Apologies if this idea has already been considered.)
Your organization allows EAs to register their donations and then later apply to “refund” up to 50% of them. When someone applies, they receive a refund in the form of a grant from an established non-profit like OpenPhil. Essentially, this lets people apply for guaranteed transitional/emergency funds and uses donation history to verify that the person is aligned and not trying to game the system.
Since the original donation still goes directly and fully to the charity, there should (hopefully) be no legal issues. However, this proposal would require the insurance pool to be funded by something than the “refundable” donations.
The only “gaming” of the system that one could do here would be to essentially force the pool to do a 1-for-1 match of any donation. (By donating, refunding 50%, donating that 50%, refunding 25%, etc.)
Would the following structure be possible? (Apologies if this idea has already been considered.)
Your organization allows EAs to register their donations and then later apply to “refund” up to 50% of them. When someone applies, they receive a refund in the form of a grant from an established non-profit like OpenPhil. Essentially, this lets people apply for guaranteed transitional/emergency funds and uses donation history to verify that the person is aligned and not trying to game the system.
Since the original donation still goes directly and fully to the charity, there should (hopefully) be no legal issues. However, this proposal would require the insurance pool to be funded by something than the “refundable” donations.
The only “gaming” of the system that one could do here would be to essentially force the pool to do a 1-for-1 match of any donation. (By donating, refunding 50%, donating that 50%, refunding 25%, etc.)