IWM Platform

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Commission Rules ​

This document defines the rules governing commission calculations, eligibility, reversals, and payouts in the IWM Platform MLM system.

Commission Triggers ​

Commissions are generated when the following events occur:

Order Completion (Product Purchases) ​

  • Trigger Event: Order status changes to COMPLETED (product delivered/service fulfilled)
  • Source Type: PRODUCT
  • Commission Base: Net order value (after discounts, before shipping)
  • Eligibility: Order must have a valid referral attribution

Investment Participation ​

  • Trigger Event: Investment participation is confirmed and funds are locked
  • Source Type: INVESTMENT
  • Commission Base: Investment principal amount
  • Eligibility: Investment must be attributed to a partner's referral

Unilevel Commission Model ​

The IWM Platform uses a Unilevel Commission Model where partners earn commissions from their entire downline up to a configurable depth.

How Unilevel Works ​

Partner A (You)
    |
    +-- Partner B (Level 1 - Direct Referral)
    |       |
    |       +-- Partner D (Level 2)
    |       |       |
    |       |       +-- Partner F (Level 3)
    |       |
    |       +-- Partner E (Level 2)
    |
    +-- Partner C (Level 1 - Direct Referral)
            |
            +-- Partner G (Level 2)

When Partner F makes a purchase:

  • Partner D earns Level 1 commission (direct)
  • Partner B earns Level 2 commission
  • Partner A earns Level 3 commission

Level Configuration ​

The system supports up to 10 levels of commission depth. Each level has a configurable percentage.

Standard Level Structure ​

LevelRelationshipCommission Rate
1Direct Referral10%
2Second Generation5%
3Third Generation3%
4Fourth Generation1%
5Fifth Generation1%
6Sixth Generation1%
7Seventh Generation1%
8Eighth Generation1%
9Ninth Generation1%
10Tenth Generation1%

Total Maximum Commission: 25% (distributed across upline)

Rank-Based Level Unlocking ​

Higher levels may require minimum rank qualification:

LevelMinimum Rank Required
1-3Starter
4-5Consultant
6-7Manager
8-9Director
10Top Leader

Commission Base Calculation ​

For Product Orders ​

Commission Base = Order Total - Discounts - Shipping

Included in base:

  • Product prices
  • Service fees

Excluded from base:

  • Shipping costs
  • Taxes (where applicable)
  • Platform fees

For Investments ​

Commission Base = Investment Principal Amount

Excluded from base:

  • Expected returns
  • Platform fees

Minimum Order Value ​

Commissions are only generated when the order meets the minimum threshold:

Source TypeMinimum ValueCurrency
Product Order500RUB
Investment1,000RUB

Orders below these thresholds do not generate any commissions for the upline.

Commission Caps ​

To prevent abuse and ensure sustainability, the following caps apply:

Per-Transaction Cap ​

Source TypeMaximum CommissionPer Level
Product Order50,000 RUBTotal across all levels
Investment100,000 RUBTotal across all levels

Per-Period Caps ​

PeriodMaximum EarningsNotes
Daily500,000 RUBPer partner
Weekly2,000,000 RUBPer partner
Monthly5,000,000 RUBPer partner

When a cap is reached, excess commissions are forfeited (not deferred).

Pending Period ​

Commissions go through a pending period before becoming available for withdrawal.

Timeline ​

Order Completed -> Commission Created (PENDING) -> Holding Period -> Available
Source TypePending PeriodReason
Product Order14 daysRefund/return window
Investment7 daysFund verification

Status Flow ​

  1. PENDING - Commission calculated, awaiting holding period
  2. APPROVED - Holding period complete, awaiting batch processing
  3. PAID - Moved to partner's available balance

Reversal Rules ​

Commission reversals protect the system from fraud and handle legitimate refunds.

Order Cancelled Before Shipping ​

ConditionActionTimeline
Order cancelled before shipmentFull reversalImmediate
Commission statusSet to REVERSEDImmediate
Balance impactDeducted from pending balanceImmediate

Order Refunded ​

ConditionActionTimeline
Full refund processedFull commission reversalWithin 24 hours
Commission already paidClawback from available balanceImmediate
Insufficient balanceNegative balance createdImmediate

Chargeback ​

ConditionActionTimeline
Chargeback initiatedFull commission reversalImmediate
Commission already paidClawback from available balanceImmediate
Partner penaltyAccount flagged for reviewImmediate
Multiple chargebacksPartner status set to SUSPENDEDAfter 3 incidents

Chargeback Penalty Matrix:

Chargeback CountPenalty
1stWarning issued
2nd30-day monitoring period
3rdAccount suspension pending review
4th+Potential termination

Partial Refund ​

ConditionActionFormula
Partial refundProportional reversalReversal = Original Commission * (Refund Amount / Original Order Amount)

Example:

  • Original Order: 10,000 RUB
  • Original Commission (Level 1, 10%): 1,000 RUB
  • Refund Amount: 2,500 RUB (25%)
  • Commission Reversal: 250 RUB (25% of 1,000 RUB)

Currency Handling ​

Supported Currencies ​

CurrencyCodePrimary Use
Russian RubleRUBDefault, all calculations

Multi-Currency Orders ​

If orders are placed in other currencies:

  1. Convert to RUB at the time of order completion
  2. Use the platform's official exchange rate
  3. Store original currency and conversion rate for audit
  4. Calculate commission in RUB

Rounding Rules ​

All commission calculations follow these rounding rules:

Calculation StepPrecisionRounding Method
Percentage calculation4 decimal placesTruncate
Final commission amount2 decimal placesRound down (floor)
Balance updates2 decimal placesExact

Rationale: Rounding down prevents over-payment and ensures system integrity.

Calculation Examples ​

Example 1: Simple Product Order ​

Scenario:

  • Order Total: 5,000 RUB
  • Partner making purchase has 3 levels of upline
  • All upline partners are active with Consultant rank

Calculation:

LevelPartnerRateCalculationCommission
1Direct Sponsor10%5,000 * 0.10500.00 RUB
2Sponsor's Sponsor5%5,000 * 0.05250.00 RUB
3Third Level3%5,000 * 0.03150.00 RUB

Total Distributed: 900.00 RUB

Example 2: Investment with Deep Upline ​

Scenario:

  • Investment Amount: 100,000 RUB
  • Partner has 5 levels of upline
  • Level 4-5 partners have Manager rank

Calculation:

LevelPartnerRateCalculationCommission
1Direct Sponsor10%100,000 * 0.1010,000.00 RUB
2Second Level5%100,000 * 0.055,000.00 RUB
3Third Level3%100,000 * 0.033,000.00 RUB
4Fourth Level1%100,000 * 0.011,000.00 RUB
5Fifth Level1%100,000 * 0.011,000.00 RUB

Total Distributed: 20,000.00 RUB

Example 3: Order with Partial Refund ​

Scenario:

  • Original Order: 8,000 RUB
  • Original Level 1 Commission: 800 RUB (already paid)
  • Refund Request: 2,000 RUB

Reversal Calculation:

Reversal Ratio = 2,000 / 8,000 = 0.25 (25%)
Commission Reversal = 800 * 0.25 = 200 RUB

Result:

  • 200 RUB clawed back from Level 1 partner
  • Partner's available balance reduced by 200 RUB

Example 4: Commission Cap Applied ​

Scenario:

  • Large Investment: 2,000,000 RUB
  • Level 1 Commission (10%): 200,000 RUB (uncapped)
  • Per-Transaction Cap: 100,000 RUB

Result:

  • Actual Commission Paid: 100,000 RUB
  • Excess 100,000 RUB is forfeited
  • All other levels calculated from remaining cap allocation

Decision Tree: Commission Eligibility ​

Order/Investment Completed
        |
        v
Is order value >= minimum threshold?
        |
    No -+-> No commission generated
        |
    Yes v
        |
Is there a valid referral attribution?
        |
    No -+-> No commission generated
        |
    Yes v
        |
Is the upline partner ACTIVE?
        |
    No -+-> Skip this level, continue to next
        |
    Yes v
        |
Does partner meet rank requirement for this level?
        |
    No -+-> Skip this level, continue to next
        |
    Yes v
        |
Is partner within daily/weekly/monthly caps?
        |
    No -+-> Cap applied, excess forfeited
        |
    Yes v
        |
Calculate and create commission (PENDING status)