RISCO

RISCO increases coastal and financial resilience of vulnerable communities by insuring them against natural catastrophes while funding ‘mangrove-positive businesses’.

RISCO increases the financial resilience of vulnerable coastal communities by insuring them against natural catastrophes, and by directing profits generated through the sale of these insurance products to train and fund the start-up or scaling of ‘mangrove-positive businesses’.

This results in a self-sustaining virtuous cycle that protects coastal communities, increases mangrove cover, and financially empowers coastal communities

How they are addressing Climate Change

Climate Mitigation

  • RISCO’s model leverages mangrove restoration to capture and store carbon at scale. In its pilot phase, 1 hectare of mangroves was safeguarded, storing 1,000 tonnes of CO2e. In its first year, the venture is projected to restore 50,000 square meters, sequester over 50,000 tonnes of CO2e, and scale blue carbon trading to further monetize ecosystem protection.

Climate Adaptation

  • RISCO’s parametric insurance model is structured to provide $10 million in climate insurance coverage for coastal cities and communities in the first year, building on pilot implementations and municipal endorsements. Its parametric insurance model delivers fast, transparent payouts and is designed for areas with limited financial infrastructure, increasing adaptive capacity for the most climate vulnerable populations.

 

How they are creating Shared Economic Prosperity

Economic Wellbeing

  • RISCO has successfully piloted seaweed farming (training 30 women) in the Philippines, and Integrated Mangrove Aquaculture Systems (IMAS) in India’s Sundarbans in India, proving the viability of diverse mangrove-positive business models. Year one projections anticipate 3,000+ local entrepreneurs empowered through inclusive, nature-based livelihoods that strengthen local economies and ecological resilience.

Equity and Access

  • RISCO’s inclusive finance model prioritizes underserved coastal communities—especially women—offering low-interest loans, hands-on training, and market entry for those traditionally excluded from financial systems. By pairing access to income and insurance with conservation, RISCO ensures that the benefits of climate protection reach those most at risk.

Economic Resilience

  • RISCO’s “restoration flywheel” links climate insurance, microfinance, and blue carbon trading to deliver compounding impact. This integrated model restores ecosystems while reducing disaster risk and safeguarding livelihoods. By integrating aquaculture with restoration, RISCO increases food security, natural protection, and rural employment—Unlocking 70M in blue carbon revenues at an IRR of 17% over 40 years on a planned 1,720 hectare project.
  • Through IMAS (Integrated Mangrove Aquaculture System) pilots in India’s Sundarbans, RISCO increases coastal resilience of the village, food security, and sustainable employment.

Financial Inclusion

  • RISCO redefines credit access by tying loan terms to ecological restoration. This innovative approach opens up finance for unbanked populations, rewards stewardship, and builds long-term financial security through climate-aligned lending.

Learn more about RISCO

Download our full report to discover the business models, financial mechanisms and investment opportunities behind RISCO.

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