# Socialized Loss

If both the liquidation process and insurance fund fail to cover over-bankruptcy, losses will be shared across depositors in the Zeta platform.

This will be implemented by applying an over-bankruptcy ratio to withdrawals ensuring that the platform has sufficient capital to continue operating. Withdrawals will be subject to the below ratio:

$$
AB \* ((DP)/(DP+BA))
$$

*where:*

* *AB = Account Balance*
* *DP = Deposits To Platform*
* *BA = Bankruptcy Amount*