Innovation intelligence brief
Innovation intelligence brief
TongJuBao members protect each other from Social Risks (divorce, career disruption) though solidarity, customer empowerment, cost fairness.
What became of it
Blocked · Low confidence · Last verified 2026-10-17
Research is blocked: there was not enough public evidence to establish what became of this innovation. Nothing below should be read as a verified 2026 status.
As catalogued
Chinese community risk-sharing (peer-to-peer) platform of P2P Protect Group, founded by Tang Loaec, where members pooled deposits to protect each other against social risks not covered by conventional insurance, such as divorce or career disruption, without an underlying insurance carrier and with underwriting separated from claims.
2026 reality
The website tongjubao.com no longer carries TongJuBao content (it serves only a redirect typical of a parked domain), and no news about TongJuBao or P2P Protect after its early years was found. The catalog already flagged it as discontinued, but no closure notice or registry record was located.
No verifiable evolution found; the platform appears inactive.
an unusual attempt to pool social and life-event risks via P2P mechanisms without a carrier; of historical interest.
REVIEW · Searches found only early profiles (Coverager, CB Insights, a founder speaker bio); tongjubao.com now looks like a parked domain, recorded as an observation. Status stays BLOCKED.
Curatorial context
http://www.p2pprotect.com/en/forum/tongjubao-peer-2-peer-insurance-taking-industry-back-its-roots-daily-fintech
[email protected] · 01.11.18 10:16
Research interpretation
Classification paths, as catalogued, connect this example to the original insurance digitalization research models.