Personal Risk & Return · built for people who ask why

Your risk, in your hands. Literally on your phone.

One Safety Score out of 1,000 for your health, money, driving, home, mind and more, with the dollars behind it and the reasons in plain words. Computed on your device. Shared only when you choose.

Start with 8 questions See a share card
3,412 people in cohorts like yours acted this month Median gain +14 points Server keeps 4 fields, none of them your inputs
9:41●●●
Todayon device
−12Transport
4.0Model
☔Rain alert
+6Monthly
M8Mind
74295% band 707–777 · $2,560/yr expected loss
C
Your cohort · Seoul · 50s · office2,140 people cut driving hours this month. Median +14. You control 80% of this one.
↑ 318💬 42Try it →
E
Evidence · MoneyWhy a 3-month buffer moves your tail risk more than paying off a 4% loan.
3 minrorlabs.io
Computed here. Only the score left the phone.
Today
Feed
Ask
Actions
Me
Seoul · 50s · office median +14 this month Austin · 20s · student transport −9 after semester start London · 30s · nurse 61% completed "3-month buffer" Busan · 40s · self-employed mind & relationships +7 Model 4.0.0 shipped to 100% of devices Catalog vote "Heat wave at work" reached 1,000 votes Seoul · 50s · office median +14 this month Austin · 20s · student transport −9 after semester start London · 30s · nurse 61% completed "3-month buffer" Busan · 40s · self-employed mind & relationships +7 Model 4.0.0 shipped to 100% of devices Catalog vote "Heat wave at work" reached 1,000 votes

Today, at a glance

The home screen is a bento, not a form. Big number first, then the why, then the one thing worth doing. Every tile is computed on your device.

example profile
Safety Score · higher is safer
742
95% band 707 – 777 · expected loss $2,560/yr · Δ 41
Oct 2025 · 698 Sep 2026 · 742
Why 742? Tap any number →
Weekly recap · stories

Transport slipped 12. Everything else held.

Five 8-second cards, swipe through. Commute hours up, night driving up, one rain alert, model update applied, mind & relationships steady.

Watch the recap →
Cohort pulse · k ≥ 50
People like you who acted2,140
Their median gain+14
Your rank in cohorttop 34%

Aggregate only. No one's inputs, including yours, leave their device.

Ask · on device · Phase 3

"Why is transport my worst domain?"

Because exposure is 11 h/week and 30% of it is at night. Cut two commute days and this domain gains 18 to 31. The assistant reads your local risk vectors and never sends them anywhere.

Ask anything →
Mind & relationships · M8

720 · steady 8 weeks

Isolation, workplace strain and care load, weighted the same way as money. Not a wellness tip, a scored domain.

Share card

Score and band. Nothing else, unless you say so.

Three skins, one toggle for the dollar figure. Never the inputs.

Open the studio →
Future me · Phase 4

2036: 690 to 760 if nothing changes.

Drag the slider to 5, 10, 20 years and see the band widen. Then pull one lever and watch it move.

Try the slider →

The feed

A vertical feed, but the posters are cohorts and evidence, not influencers. Reactions are real. Identities are not there to leak.

C
Cohort · Seoul · 50s · office2,140 people · aggregate, k ≥ 50
live
This month the single most common action was cut driving hours. It moved transport more than any other lever in this cohort.
Did it
61%
Median gain
+14
Your range
+18~31
Me
You · private postOnly on your device
Booked the annual screening. Health domain range +6 to +11, lands on next month's recalculation.
Streak · 3 months with at least one action
P
Poll · Money cohort1,204 votes · closes Friday
Which would you do first?
Tap to vote. Your vote is counted, not stored against you.
E
Evidence · rorlabs.ioMoney · 3 min read
Why a 3-month buffer moves your tail risk more than paying off a 4% loan. The maths of recovery rate, with the sources.
HealthAccidentsCrimeManipulationMoneyEnvironmentSocialGeopoliticsInfrastructure
V
Catalog vote · S-14Propose what we should score next
"Heat wave exposure at outdoor work" · proposed by the Busan · 20s · delivery cohort. Reaches the catalog board at 1,000 votes.
998 / 1,000
The catalog grows where people say it should. 200 risk units today.
R
Receipt · your dataRefreshed Sep 1
Left your phone: token, 10 scores, 2 bucketed factor codes, model version. Did not leave: income, health answers, address, anything typed.
Safety Score · Sep 2026ROR Labs
742
95% band 707 – 777 · higher is safer
StrongestDisaster
Working onTransport
This month+6
Scored on my device
Share studio

Post the number. Keep the story.

A share card is a 4:5 image built on your phone. It carries the score, the band, three labels and nothing else. You choose the skin and whether the dollar figure goes on it. Inputs can never be on a card because the server never had them and the card builder does not read them.

Allowed on a card: score, band, domain names, monthly change, model version. Never: amounts by domain, factor codes, cohort key, anything typed. The toggle above is the only exception and it is off by default.
Export 1080 × 1350
Phase 4 concept

Future me

Drag to see where the score goes if nothing changes. The band widens with time because the model is honest about what it does not know. Then pull one lever.

now5y10y15y20y
Year
2036
Expected score
725
95% band
690 – 760
Expected loss / yr
$2,910
What drives the drift
Age moves health and accident base rates up. Housing and disaster stay flat. Transport follows your current exposure.
The app

Built like the apps they already live in

Stories at the top, a feed in the middle, a chat that answers "why", a card you can post. Underneath, the same engine and the same rule: risk is computed on the phone, only the score leaves.

  • Passkey and biometrics, no password to forget
  • Dark mode by default on the phone, light on the web
  • Push only when a score drops, never for engagement
  • Ask runs a small on-device model over your local risk vectors (Phase 3)
9:41●●●
Askon device
why is transport my worst domain
Exposure. You drive 11 h/week, 30% at night, on arterial roads. That is 38% of the domain's expected loss on its own.
what if I take the train twice a week
Transport 610 → 628~641, total 742 → 760~773. Expected loss down about $310/yr. Want it as an action?
yes
Added. I'll check it on the Oct 1 recalculation.
Ask about your risk…🎙
This chat never left the phone
Today
Feed
Ask
Actions
Me
9:41●●●
Feedk ≥ 50
C
Cohort · Seoul · 50s · office61% cut driving hours. Median +14.
↑ 318💬 42Add →
V
Catalog vote"Heat wave at outdoor work" · 998 / 1,000
Vote
E
Evidence · SocialLoneliness scored like a loan: how M8 turns isolation into expected loss.
4 minSave
Me
You · privateScreening booked. +6~11 next month.
Streak 3 mo
Posters are cohorts, not people
Today
Feed
Ask
Actions
Me
9:41●●●
MeS-15
Share card3 skins
Streak3 months
Vault backupon
Left this phone
Token1
Scores + bands12 mo
Factor codes, bucketed2
Income · health · addressnever
Download my data›
Withdraw consent›
Delete everything›
Operators can re-identify the token, under audit
Today
Feed
Ask
Actions
Me

What we say, and what we refuse to say

Every privacy line in the app, the feed and the share card passes this table.

We say

  • Your income, assets and health inputs are not stored on our servers.
  • The server holds a score, factor codes and a pseudonymous token.
  • Feed posts are cohort aggregates of at least 50 people.
  • The share card is built on your phone from the score only.
  • This score is a statistical estimate at validation stage V1 of V3.

We do not say

  • "We cannot know who you are."
  • "Fully anonymous." / "Not personal data."
  • "Ask is private" before Phase 3 ships it on device.
  • "The web also computes only on your device." (false until WASM)
  • "Your objective personal risk."