web3/concepts/mutualization.md

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# Mutualization
In finance, the *mutualization* of risk is the process of dividing up exposure to potential risk or financial losses among many or all shareholders in a financial structure.
See also [deposit insurance](deposit-insurance.md) and [bank run](bank-run.md).
## References
1. Roche, Cullen O. 2011. Understanding the Modern Monetary System. http://ssrn.com/paper=1905625.