Payout Rules

This document defines the rules governing commission payouts, eligibility requirements, processing schedules, and handling of payout-related scenarios.

Payout Eligibility Requirements

Partners must meet all of the following criteria to request a payout:

Mandatory Requirements

Requirement	Description	Verification
KYC Approved	Identity verification completed	`kyc_status = 'APPROVED'`
Partner Status	Account in good standing	`status = 'ACTIVE'`
No Pending Disputes	No unresolved chargebacks or disputes	`dispute_count = 0`
Minimum Balance	Available balance meets threshold	`available_balance_usd >= 100`

Eligibility Check Flow

Payout Request Initiated
        |
        v
Is KYC status APPROVED?
        |
    No -+-> Reject: "KYC verification required"
        |
    Yes v
        |
Is partner status ACTIVE?
        |
    No -+-> Reject: "Account not in good standing"
        |
    Yes v
        |
Are there pending disputes?
        |
    Yes +-> Reject: "Pending disputes must be resolved"
        |
    No  v
        |
Is available_balance_usd >= $100?
        |
    No -+-> Reject: "Minimum payout threshold not met"
        |
    Yes v
        |
Does partner have valid payout method?
        |
    No -+-> Reject: "Payout method required"
        |
    Yes v
        |
Is there an existing pending payout?
        |
    Yes +-> Reject: "Pending payout already exists"
        |
    No  v
        |
Proceed with Payout Request

Minimum Payout Threshold

Currency	Minimum Amount	Notes
USD	$100	Standard minimum for all payout types

Rules:

Partners cannot request payouts below the minimum threshold
Partial payouts above minimum are allowed
Balance below minimum remains in account until threshold is reached
Leadership Pool distributions have no minimum (credited directly to available balance)

Maximum Payout Limits

Per-Request Limits

Partner Tenure	Maximum Per Request	Notes
0-3 months	$5,000	New partner limit
3-6 months	$15,000	Established partner
6-12 months	$50,000	Senior partner
12+ months	$100,000	Veteran partner

Daily Limits

Limit Type	Amount	Notes
Per Partner	$100,000	Maximum daily payout per partner
Platform Total	$5,000,000	Platform-wide daily cap

Monthly Limits

Limit Type	Amount	Notes
Per Partner	$500,000	Maximum monthly payout per partner
Platform Total	$50,000,000	Platform-wide monthly cap

When Limits Are Exceeded:

Request is queued for the next available period
Partner is notified of the delay
No partial processing (full amount processed when available)

Payout Methods

Bank Transfer (SWIFT/Wire)

Attribute	Details
Method Code	`BANK_TRANSFER`
Processing Time	2-5 business days
Minimum Amount	$100
Maximum Amount	$100,000 per transaction

Required Information:

Full legal name (must match KYC)
Bank name
SWIFT/BIC code
Account number (IBAN for international)
Bank address
Correspondent bank (if applicable)

Validation Rules:

Account holder name must match partner's verified name
SWIFT code must be valid and active
IBAN must pass checksum validation

Cryptocurrency

Attribute	Details
Method Code	`CRYPTO`
Processing Time	1-24 hours
Minimum Amount	$100
Maximum Amount	$250,000 per transaction

Supported Networks:

Currency	Network	Requirements
USDT	TRC-20 (Tron)	Valid TRC-20 address
USDT	ERC-20 (Ethereum)	Valid ERC-20 address
USDC	ERC-20 (Ethereum)	Valid ERC-20 address
BTC	Bitcoin	Valid BTC address

Validation Rules:

Wallet address must pass format validation
Partner must confirm address ownership
First-time addresses require 24-hour hold

E-Wallet

Attribute	Details
Method Code	`EWALLET`
Processing Time	1-24 hours
Minimum Amount	$100
Maximum Amount	$50,000 per transaction

Supported Providers:

Provider	Code	Requirements
PayPal	`PAYPAL`	Verified PayPal email
Skrill	`SKRILL`	Verified Skrill account
Wise	`WISE`	Wise account email

Validation Rules:

Account must be verified with provider
Email must match partner's verified email (where possible)

Payout Fees

Fee Structure by Method

Method	Fee Type	Amount	Minimum Fee	Maximum Fee
Bank Transfer (SWIFT)	Flat	$25	$25	$25
USDT (TRC-20)	Percentage	0.5%	$1	$50
USDT (ERC-20)	Flat	$15	$15	$15
USDC (ERC-20)	Flat	$15	$15	$15
BTC	Network Fee	Variable	~$5	~$50
PayPal	Percentage	2.5%	$5	$250
Skrill	Percentage	2%	$5	$200
Wise	Percentage	0.5%	$3	$100

Fee Calculation Examples

Example 1: Bank Transfer ($10,000)

Requested Amount: $10,000
Fee: $25 (flat)
Amount Received: $9,975

Example 2: USDT TRC-20 ($5,000)

Requested Amount: $5,000
Calculated Fee: $5,000 * 0.005 = $25
Amount Received: $4,975

Example 3: PayPal ($20,000)

Requested Amount: $20,000
Calculated Fee: $20,000 * 0.025 = $500
Maximum Fee Cap: $250
Actual Fee: $250 (capped)
Amount Received: $19,750

Processing Schedule

Standard Processing Windows

Day	Processing Time	Payout Types
Monday	09:00-18:00 UTC	All methods
Tuesday	09:00-18:00 UTC	All methods
Wednesday	09:00-18:00 UTC	All methods
Thursday	09:00-18:00 UTC	All methods
Friday	09:00-16:00 UTC	All methods
Saturday	Crypto only	Crypto auto-processing
Sunday	Crypto only	Crypto auto-processing

Processing Priority

Priority	Criteria	Processing Time
High	Rank 5+ partner, amount < $10,000	Same day
Normal	Active partner, standard request	1-2 business days
Manual Review	Amount > $50,000 or flagged	2-5 business days

Batch Processing

Aspect	Details
Batch Frequency	Every 4 hours during processing windows
Batch Size	Maximum 1,000 payouts per batch
Processing Order	FIFO (First In, First Out) within priority level

Income Type Considerations

Payout by Income Type

Different income types may have different holding periods before becoming available for payout:

Income Type	Pending Period	Notes
Personal Sales	14 days	Refund/return window
Team Sales	14 days	Refund/return window
Repeat Sales	14 days	Refund/return window
Portfolio Returns	7 days	Profit confirmation
Client Profits	7 days	Profit confirmation
Network Profits	7 days	Profit confirmation
Leadership Pool	0 days	Immediate availability

Leadership Pool Exception:

Leadership Pool distributions bypass the pending period
Credited directly to available_balance_usd
Can be withdrawn immediately (subject to minimum threshold)

Balance Breakdown in Payout Request

When requesting a payout, partners can see their balance breakdown:

Balance Summary:
  Available Balance:     $5,250.00
  Pending Balance:       $1,200.00

  Breakdown by Income Type:
    Personal Sales:      $2,100.00 available / $800.00 pending
    Team Sales:          $1,500.00 available / $400.00 pending
    Client Profits:        $850.00 available / $0.00 pending
    Leadership Pool:       $800.00 available / $0.00 pending

Payout Request Limits

Concurrent Request Limit

Rule	Details
Pending Requests	Maximum 1 pending request at a time
Status Check	Request must be `COMPLETED`, `REJECTED`, or `CANCELLED` before new request

Request Frequency

Period	Maximum Requests
Daily	3 requests
Weekly	10 requests
Monthly	20 requests

Note: Rejected or cancelled requests count toward the limit.

Tax Withholding Rules

Tax Requirements

Tax treatment varies based on partner jurisdiction and type:

Partner Type	Tax Treatment	Rate
US Individual	Platform issues 1099	0% withheld
US Legal Entity	W-9 on file	0% withheld
Non-US Individual	Partner responsible for local taxes	0% withheld
Non-US Legal Entity	Invoice-based payments	0% withheld

Important Notes:

Platform does not withhold taxes for most jurisdictions
Partners are responsible for declaring income in their jurisdiction
Platform provides annual earnings statements for tax purposes
Some jurisdictions may require additional documentation

Documentation Requirements

Partner Type	Required Documents
US Individual	W-9, SSN verification
US Legal Entity	W-9, EIN verification
Non-US Individual	Passport/ID, Tax residency declaration
Non-US Legal Entity	Registration certificate, Tax ID

Tax Information in Payout

Payout Details = {
  gross_amount_usd: 10,000.00,
  withholding_tax: 0.00,
  fees: 25.00,
  net_amount_usd: 9,975.00
}

Required Payout Details

For Bank Transfer

Field	Required	Format	Validation
Account Holder Name	Yes	String, 2-100 chars	Must match KYC name
Bank Name	Yes	String	Valid bank name
SWIFT/BIC	Yes	8 or 11 chars	Valid SWIFT code
Account Number/IBAN	Yes	Varies by country	Format validation
Bank Address	Yes	String	Valid address
Bank Country	Yes	ISO 3166-1 alpha-2	Valid country code

For Cryptocurrency

Field	Required	Format	Validation
Wallet Address	Yes	Network-specific	Address format validation
Network	Yes	Enum	`TRC20`, `ERC20`, `BTC`
Address Label	No	String	User reference

For E-Wallet

Field	Required	Format	Validation
Wallet Provider	Yes	Enum	`PAYPAL`, `SKRILL`, `WISE`
Account Email	Yes	Email	Valid email format
Account Holder Name	Yes	String	Must match KYC name

Failed Payout Handling

Failure Reasons

Code	Reason	Recovery Action
`INVALID_ACCOUNT`	Bank account invalid or closed	Partner must update payment details
`INVALID_ADDRESS`	Crypto address invalid	Partner must verify wallet address
`INSUFFICIENT_PLATFORM_FUNDS`	Temporary liquidity issue	Automatic retry in 24 hours
`NAME_MISMATCH`	Account name does not match	Partner must verify payment details
`LIMIT_EXCEEDED`	Provider limit exceeded	Split into smaller amounts
`PROVIDER_ERROR`	Payment provider unavailable	Automatic retry in 4 hours
`COMPLIANCE_HOLD`	Flagged for compliance review	Manual review required
`NETWORK_CONGESTION`	Crypto network busy	Automatic retry with higher fee

Retry Policy

Retry Attempt	Delay	Action
1st Retry	4 hours	Automatic
2nd Retry	24 hours	Automatic
3rd Retry	72 hours	Automatic
After 3 Failures	N/A	Payout cancelled, balance restored

Balance Restoration

When a payout fails permanently:

Failed Payout Process:
1. Payout status set to FAILED
2. Full amount restored to available_balance_usd
3. Partner notified via email
4. Partner can request new payout immediately
5. Original failure logged for audit

Restoration Formula:

Restored Amount = Original Request Amount
Note: Fees are not deducted for failed payouts

Payout Hold Conditions

Automatic Hold Triggers

Condition	Hold Duration	Resolution
First payout ever	24 hours	Manual review
Amount > $50,000	Until approved	Senior admin approval
3+ payouts in 24 hours	48 hours	Automatic release
Account recently suspended	7 days	Compliance review
Multiple failed payouts	Until verified	Payment method verification
New crypto address	24 hours	Address confirmation

Suspicious Activity Flags

Flag	Trigger	Action
Velocity	5+ requests in 1 hour	Hold + review
Amount Spike	Request > 10x average	Hold + review
Method Change	New method + large amount	Hold + verification
Geographic	Login from new country	Hold + verification
Address Change	New payout address	24-hour hold

Hold Status Flow

Payout Request
      |
      v
Suspicious Activity Detected?
      |
  Yes +-> Status: HELD
      |       |
      |       v
      |   Compliance Review
      |       |
      |   +---+---+
      |   |       |
      |   v       v
      | APPROVED  REJECTED
      |   |       |
      |   v       v
      | Process   Cancel + Notify
      |
  No  v
      |
Normal Processing

Payout Status Flow

Status Definitions

Status	Description	Next Actions
`PENDING`	Request submitted, awaiting review	Approve, Reject, Hold
`APPROVED`	Approved, queued for processing	Process, Cancel
`PROCESSING`	Being sent to payment provider	Complete, Fail
`COMPLETED`	Successfully processed	None (final)
`REJECTED`	Rejected by admin	None (final)
`CANCELLED`	Cancelled by partner or admin	None (final)
`FAILED`	Payment provider failure	Retry, Cancel
`HELD`	Under review	Release, Reject

Status Transition Diagram

                    +--------+
                    | PENDING|
                    +---+----+
                        |
         +--------------+--------------+
         |              |              |
         v              v              v
    +----+----+    +----+----+   +-----+-----+
    |APPROVED |    |REJECTED |   |   HELD    |
    +----+----+    +---------+   +-----+-----+
         |                             |
         v                       +-----+-----+
    +----+-----+                 |           |
    |PROCESSING|                 v           v
    +----+-----+            APPROVED    REJECTED
         |
    +----+----+
    |         |
    v         v
+---+----+ +--+---+
|COMPLETED| |FAILED|
+---------+ +--+---+
               |
               v
         Retry or Cancel

Rank-Based Processing Benefits

Higher-ranked partners receive preferential processing:

Rank	Benefits
Consultant 0-4	Standard processing
Consultant 4 PRO+	Priority queue
Consultant 5+	Same-day processing (under $10,000)
Consultant 7+	Dedicated account manager
Consultant 9+	Direct bank wire (reduced fees)

Decision Tree: Payout Processing

Admin Reviews Payout Request
        |
        v
Is amount within partner's limit?
        |
    No -+-> Flag for senior review
        |
    Yes v
        |
Is payment method verified?
        |
    No -+-> Request verification
        |
    Yes v
        |
Any suspicious activity flags?
        |
    Yes +-> Place on HOLD for review
        |
    No  v
        |
Is amount > $50,000?
        |
    Yes +-> Require senior admin approval
        |
    No  v
        |
Is partner rank >= Consultant 5?
        |
    Yes +-> Fast-track processing
        |
    No  v
        |
Standard processing queue

Audit Requirements

Logged Information

Every payout action must log:

Field	Description
`timestamp`	Exact time of action (UTC)
`action_type`	Request, Approve, Reject, Process, etc.
`actor_id`	User or system that performed action
`partner_id`	Partner receiving payout
`amount_usd`	Payout amount in USD
`payout_method`	Method used (BANK_TRANSFER, CRYPTO, etc.)
`balance_before`	Balance before action
`balance_after`	Balance after action
`ip_address`	IP address of request
`reason`	Reason for action (if applicable)
`transaction_hash`	Blockchain hash (for crypto)

Retention Policy

Data Type	Retention Period
Payout records	7 years
Audit logs	10 years
Payment provider responses	5 years
Blockchain transaction records	Permanent

Payout Rules ​

Payout Eligibility Requirements ​

Mandatory Requirements ​

Eligibility Check Flow ​

Minimum Payout Threshold ​

Maximum Payout Limits ​

Per-Request Limits ​

Daily Limits ​

Monthly Limits ​

Payout Methods ​

Bank Transfer (SWIFT/Wire) ​

Cryptocurrency ​

E-Wallet ​

Payout Fees ​

Fee Structure by Method ​

Fee Calculation Examples ​

Processing Schedule ​

Standard Processing Windows ​

Processing Priority ​

Batch Processing ​

Income Type Considerations ​

Payout by Income Type ​

Balance Breakdown in Payout Request ​

Payout Request Limits ​

Concurrent Request Limit ​

Request Frequency ​

Tax Withholding Rules ​

Tax Requirements ​

Documentation Requirements ​

Tax Information in Payout ​

Required Payout Details ​

For Bank Transfer ​

For Cryptocurrency ​

For E-Wallet ​

Failed Payout Handling ​

Failure Reasons ​

Retry Policy ​

Balance Restoration ​

Payout Hold Conditions ​

Automatic Hold Triggers ​

Suspicious Activity Flags ​

Hold Status Flow ​

Payout Status Flow ​

Status Definitions ​

Status Transition Diagram ​

Rank-Based Processing Benefits ​

Decision Tree: Payout Processing ​

Audit Requirements ​

Logged Information ​

Retention Policy ​

Related Documents ​

Payout Rules

Payout Eligibility Requirements

Mandatory Requirements

Eligibility Check Flow

Minimum Payout Threshold

Maximum Payout Limits

Per-Request Limits

Daily Limits

Monthly Limits

Payout Methods

Bank Transfer (SWIFT/Wire)

Cryptocurrency

E-Wallet

Payout Fees

Fee Structure by Method

Fee Calculation Examples

Processing Schedule

Standard Processing Windows

Processing Priority

Batch Processing

Income Type Considerations

Payout by Income Type

Balance Breakdown in Payout Request

Payout Request Limits

Concurrent Request Limit

Request Frequency

Tax Withholding Rules

Tax Requirements

Documentation Requirements

Tax Information in Payout

Required Payout Details

For Bank Transfer

For Cryptocurrency

For E-Wallet

Failed Payout Handling

Failure Reasons

Retry Policy

Balance Restoration

Payout Hold Conditions

Automatic Hold Triggers

Suspicious Activity Flags

Hold Status Flow

Payout Status Flow

Status Definitions

Status Transition Diagram

Rank-Based Processing Benefits

Decision Tree: Payout Processing

Audit Requirements

Logged Information

Retention Policy

Related Documents