Commission Rules

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

Commission Model Overview

The IWM Platform uses a Differential Commission Model with 7 income types. Partners earn commissions based on the difference between their rank rate and their downline's rank rate, with unlimited depth.

Key Principles

Principle	Description
Differential Calculation	Commission = (Your Rate - Downline Rate) × Amount
Unlimited Depth	No limit on how deep commissions flow
Rank-Based Rates	Commission rates increase with rank (3% to 20%)
7 Income Types	3 Active + 3 Passive + 1 Leadership Pool

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)
Applicable Income Types: Personal Sales, Team Sales, Repeat Sales

Investment Participation

Trigger Event: Investment participation is confirmed and funds are locked
Source Type: INVESTMENT
Commission Base: Investment principal amount (entrance fee portion)
Applicable Income Types: Personal Sales (entrance fee), Team Sales, Passive Income types

Investment Profit Distribution

Trigger Event: Investment strategy generates profit for clients
Source Type: INVESTMENT_PROFIT
Commission Base: Net profit amount
Applicable Income Types: Client Profits, Network Profits

Commission Rates by Rank

All partners earn commissions based on their current rank. Rates apply to both personal sales and passive income calculations.

Rank	Personal Sales Rate	Entrance Fee Rate	Passive Income Rate
0	3%	10.5%	0%
1	5%	11%	5%
2	8%	11.5%	8%
3	10%	12%	10%
4	12%	12.5%	12%
4_PRO	13%	13%	13%
5	14%	13.5%	14%
5_PRO	15%	14%	15%
6	16%	14.5%	16%
6_PRO	16.5%	15%	16.5%
7	17%	15.5%	17%
7_PRO	17.5%	16%	17.5%
8	18%	16.5%	18%
8_PRO	18.5%	17%	18.5%
9	19%	17.5%	19%
9_PRO	19.25%	18%	19.25%
10	19.5%	18.5%	19.5%
10_PRO	19.75%	19%	19.75%
11	20%	19.5%	20%
11_PRO	20%	20%	20%

The 7 Income Types

Active Income (3 Types)

Type 1: Personal Sales (Личные продажи)

Direct commission from sales to personally invited clients.

Property	Value
Trigger	Direct sale to client you personally invited
Calculation	`personal_sales_rate × sale_amount`
Rate Range	3% - 20% based on rank
Products	Si14 AG Shares, Si14 Pharma, Investment Strategies

For Investment Strategies: Uses entrance fee rate (10.5% - 20%) instead of personal sales rate.

Type 2: Team Sales (Командные продажи)

Differential commission from sales made by partners in your downline.

Property	Value
Trigger	Any partner in your downline makes a sale
Calculation	Differential (see formula below)
Rate Range	0% - 17% (differential)
Depth	Unlimited

Differential Calculation:

IF your_rank > partner_rank:
    commission = (your_rate - partner_rate) × sale_amount
ELSE:
    commission = 0

Example:

You: Rank 6 (16% rate)
Partner in your downline: Rank 3 (10% rate)
Sale amount: $10,000
Your commission: (16% - 10%) × $10,000 = $600

Type 3: Repeat Sales (Повторные продажи)

Commission from additional purchases by existing clients.

Property	Value
Trigger	Existing client makes additional purchase
Calculation	Same as Personal Sales
Rate Range	3% - 20% based on rank
Applies To	Additional share purchases, pharma reorders, strategy top-ups

Passive Income (3 Types)

Type 4: Own Portfolio Returns (Собственный портфель)

Returns from your personal investments in platform strategies.

Property	Value
Trigger	Your investment strategy generates profit
Calculation	`own_investment × strategy_yield_rate`
Products	BTC/USDT Algo, RUB/CNY Pair, USDT Market Making
Note	Not guaranteed - yields vary with market conditions

Key Characteristics:

This is income from the partner's own investments, not commission on others
Yield rates are strategy-specific and vary based on market performance
Example yield: ~3.5% monthly (for illustration only, actual varies)
Returns are credited directly to partner balance as Type 4 income

Investment Strategies:

Strategy	Description
BTC/USDT	Algorithmic capital management based on Bitcoin market dynamics
RUB/CNY	Currency pair strategy with proven effectiveness
USDT Market Making	Includes deposit insurance against drawdowns

Type 5: Client Investment Profits (Прибыль клиентов)

Share of profits earned by your personally invited clients.

Property	Value
Trigger	Client you personally invited earns profit from investment
Calculation	`passive_income_rate × client_net_profit`
Rate Range	5% - 20% based on rank
Client Type	Directly invited only

Example:

You: Rank 5 (14% passive rate)
Your client's monthly profit: $1,000
Your passive income: 14% × $1,000 = $140

Type 6: Network Investment Profits (Прибыль сети)

Differential share of passive income earned by partners in your downline.

Property	Value
Trigger	Partner in your downline earns passive income (Type 5)
Calculation	Differential on passive income
Rate Range	0% - 15% (differential)
Depth	Unlimited

Differential Calculation:

IF your_rank > partner_rank:
    income = (your_passive_rate - partner_passive_rate) × partner_passive_income
ELSE:
    income = 0

Leadership Income (1 Type)

Type 7: Leadership Pools (Лидерские пулы)

Share of company turnover distributed among qualified high-rank partners.

Property	Value
Eligibility	Rank 5 and above
Distribution Method	Equal share among qualified participants
Source	Percentage of total company turnover

Pool Configuration:

Pool	Eligible Ranks	% of Turnover	Frequency	Qualification
Pool 5	5, 5_PRO	1%	Weekly	$5,000 / $10,000 weekly volume
Pool 6	6, 6_PRO	0.5%	Weekly	$20,000 / $30,000 weekly volume
Pool 7	7, 7_PRO	0.5%	Weekly	$45,000 / $60,000 weekly volume
Pool 8	8, 8_PRO	0.5%	Weekly	$90,000 / $120,000 weekly volume
Pool 9	9, 9_PRO	1%	Monthly	Rank achievement only*
Pool 10	10, 10_PRO	1%	Monthly	Rank achievement only*
Pool 11	11, 11_PRO	1%	Monthly	Rank achievement only*

*Pools 9-11 do not require separate qualification volume. Partners who have achieved and maintain these ranks automatically participate in monthly distribution. The rank's turnover requirement ($10M-$800M) serves as the qualification threshold.

Qualification Types:

Pool Group	Qualification Type	Description
Pools 5-8	Volume-based (weekly)	Must meet specific weekly volume requirement
Pools 9-11	Rank-based (automatic)	Rank achievement qualifies for monthly distribution

50% Branch Rule (Pools 5-8 only):

No single branch (direct downline leg) can contribute more than 50% of your qualification volume.

Example:
- Required qualification: $10,000
- Branch A volume: $80,000 → counts as max $5,000 (50% cap)
- Branch B volume: $15,000 → counts as $5,000+ (remainder needed)
- Result: Qualified (diverse structure)

Distribution Schedule:

Weekly pools (5-8): Calculated Mon-Sun, distributed Sunday night
Monthly pools (9-11): Calculated per calendar month

Product Types and Commission Mapping

Product	Type	Commission Rate Used
Si14 AG Shares	Investment	Personal Sales Rate (3%-20%)
Si14 Pharma	Physical Goods	Personal Sales Rate (3%-20%)
BTC/USDT Strategy	Managed Investment	Entrance Fee Rate (10.5%-20%)
RUB/CNY Strategy	Managed Investment	Entrance Fee Rate (10.5%-20%)
USDT Market Making	Managed Investment	Entrance Fee Rate (10.5%-20%)

Pending Period

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

Timeline

Transaction Completed -> Commission Created (PENDING) -> Holding Period -> Available

Source Type	Pending Period	Reason
Product Order	14 days	Refund/return window
Investment	7 days	Fund verification
Passive Income	7 days	Profit confirmation
Leadership Pool	0 days	Immediate upon distribution

Status Flow

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

Reversal Rules

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

Order Cancelled Before Shipping

Condition	Action	Timeline
Order cancelled before shipment	Full reversal	Immediate
Commission status	Set to `REVERSED`	Immediate
Balance impact	Deducted from pending balance	Immediate

Order Refunded

Condition	Action	Timeline
Full refund processed	Full commission reversal	Within 24 hours
Commission already paid	Clawback from available balance	Immediate
Insufficient balance	Negative balance created	Immediate

Chargeback

Condition	Action	Timeline
Chargeback initiated	Full commission reversal	Immediate
Commission already paid	Clawback from available balance	Immediate
Partner penalty	Account flagged for review	Immediate
Multiple chargebacks	Partner status set to `SUSPENDED`	After 3 incidents

Chargeback Penalty Matrix:

Chargeback Count	Penalty
1st	Warning issued
2nd	30-day monitoring period
3rd	Account suspension pending review
4th+	Potential termination

Partial Refund

Condition	Action	Formula
Partial refund	Proportional reversal	`Reversal = Original Commission × (Refund Amount / Original Order Amount)`

Currency Handling

Primary Currency

Currency	Code	Primary Use
US Dollar	USD	All commission calculations, rank qualification

Multi-Currency Transactions

If transactions occur in other currencies:

Convert to USD at the time of transaction completion
Use the platform's official exchange rate
Store original currency and conversion rate for audit
Calculate all commissions in USD

Rounding Rules

All commission calculations follow these rounding rules:

Calculation Step	Precision	Rounding Method
Percentage calculation	4 decimal places	Truncate
Final commission amount	2 decimal places	Round down (floor)
Balance updates	2 decimal places	Exact

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

Calculation Examples

Example 1: Personal Sale with Team Differential

Scenario:

You: Rank 5 (14% rate)
Your partner: Rank 2 (8% rate)
Partner sells $5,000 to their client

Calculation:

Recipient	Rate	Calculation	Commission
Partner (Rank 2)	8%	$5,000 × 0.08	$400
You (Rank 5)	6% differential	$5,000 × (0.14 - 0.08)	$300

Example 2: Passive Income Chain

Scenario:

You: Rank 6 (16% passive rate)
Your partner: Rank 3 (10% passive rate)
Partner's client earns $2,000 profit

Calculation:

Recipient	Type	Calculation	Income
Partner (Rank 3)	Client Profits	$2,000 × 0.10	$200
You (Rank 6)	Network Profits	$200 × (0.16 - 0.10) / 0.10	$120

Note: Network profits calculated as differential on the underlying profit, not on partner's income.

Actual calculation: $2,000 × (0.16 - 0.10) = $120

Example 3: Leadership Pool Distribution

Scenario:

Pool 5 (Rank 5/5_PRO)
Weekly company turnover: $1,000,000
Pool percentage: 1%
Qualified participants: 50

Calculation:

Pool Amount = $1,000,000 × 1% = $10,000
Per Person = $10,000 / 50 = $200

Each qualified Rank 5/5_PRO partner receives $200.

Example 4: Downline with Higher Rank

Scenario:

You: Rank 3 (10% rate)
Your partner (in your downline): Rank 5 (14% rate)
Partner makes $10,000 sale

Calculation:

Recipient	Rate	Calculation	Commission
Partner (Rank 5)	14%	$10,000 × 0.14	$1,400
You (Rank 3)	0% differential	Differential is negative	$0

Rule: When your downline has a higher rank, you earn no differential commission from their transactions.

Decision Tree: Commission Processing

Transaction Completed
        |
        v
Identify Income Type (1-7)
        |
        v
Is there a valid referral attribution?
        |
    No -+-> No commission generated
        |
    Yes v
        |
Is the partner ACTIVE?
        |
    No -+-> Skip, check next upline
        |
    Yes v
        |
Calculate commission based on income type:
- Type 1,3: personal_rate × amount
- Type 2: differential on sale
- Type 5: passive_rate × client_profit
- Type 6: differential on profit
- Type 7: pool_share if qualified
        |
        v
Create commission record (PENDING status)
        |
        v
Process entire upline chain (unlimited depth)

Commission Rules ​

Commission Model Overview ​

Key Principles ​

Commission Triggers ​

Order Completion (Product Purchases) ​

Investment Participation ​

Investment Profit Distribution ​

Commission Rates by Rank ​

The 7 Income Types ​

Active Income (3 Types) ​

Type 1: Personal Sales (Личные продажи) ​

Type 2: Team Sales (Командные продажи) ​

Type 3: Repeat Sales (Повторные продажи) ​

Passive Income (3 Types) ​

Type 4: Own Portfolio Returns (Собственный портфель) ​

Type 5: Client Investment Profits (Прибыль клиентов) ​

Type 6: Network Investment Profits (Прибыль сети) ​

Leadership Income (1 Type) ​

Type 7: Leadership Pools (Лидерские пулы) ​

Product Types and Commission Mapping ​

Pending Period ​

Timeline ​

Status Flow ​

Reversal Rules ​

Order Cancelled Before Shipping ​

Order Refunded ​

Chargeback ​

Partial Refund ​

Currency Handling ​

Primary Currency ​

Multi-Currency Transactions ​

Rounding Rules ​

Calculation Examples ​

Example 1: Personal Sale with Team Differential ​

Example 2: Passive Income Chain ​

Example 3: Leadership Pool Distribution ​

Example 4: Downline with Higher Rank ​

Decision Tree: Commission Processing ​

Related Documents ​

Commission Rules

Commission Model Overview

Key Principles

Commission Triggers

Order Completion (Product Purchases)

Investment Participation

Investment Profit Distribution

Commission Rates by Rank

The 7 Income Types

Active Income (3 Types)

Type 1: Personal Sales (Личные продажи)

Type 2: Team Sales (Командные продажи)

Type 3: Repeat Sales (Повторные продажи)

Passive Income (3 Types)

Type 4: Own Portfolio Returns (Собственный портфель)

Type 5: Client Investment Profits (Прибыль клиентов)

Type 6: Network Investment Profits (Прибыль сети)

Leadership Income (1 Type)

Type 7: Leadership Pools (Лидерские пулы)

Product Types and Commission Mapping

Pending Period

Timeline

Status Flow

Reversal Rules

Order Cancelled Before Shipping

Order Refunded

Chargeback

Partial Refund

Currency Handling

Primary Currency

Multi-Currency Transactions

Rounding Rules

Calculation Examples

Example 1: Personal Sale with Team Differential

Example 2: Passive Income Chain

Example 3: Leadership Pool Distribution

Example 4: Downline with Higher Rank

Decision Tree: Commission Processing

Related Documents