Fee Structure

GenieGenerate implements a dynamic fee structure that rewards long-term participation while ensuring system sustainability. This structure applies to all loyalty-based revenue sources.

Base Rates

  • Standard fee rate: 45% of transaction value

  • Applies to all loyalty-based revenue sources:

    • Instant Earn activities

    • POS partner payments

    • E-marketplace transactions

    • Affiliate cashback

    • Charity donations

    • Profit withdrawals

    • Debit card cashback

  • Transparent fee calculation and collection

  • Automated processing through smart contracts

Loyalty Discounts

  • Fee reduction: 5% per loyalty point

  • No maximum limit to loyalty points

  • Minimum fee floor: 20%

  • Reset rules:

    • Points reset if daily investment missed

    • Discount recalculation on reset

    • Immediate effect on fee rates

Loyalty Discount Structure

Smart Allocation

  • Priority allocation to daily investment requirement

  • If daily investment not made:

    • Fee first covers $1 USD equivalent investment

    • Excess goes to Additional Revenue Pool

  • If daily investment completed:

    • Investment amount returned as discount

    • Remaining fee to Additional Revenue Pool

Smart Fee Allocation

Example Calculations

Example 1: Basic Transaction

Transaction Amount: 100 USD
Loyalty Score: 0 points
Base Fee: 45%
Daily Investment: Not Made

Calculation:
- Fee Amount = 100 USD × 45% = 45 USD
- Daily Investment = 1 USD
- To Additional Pool = 44 USD
- User Receives = 55 USD

Example 2: With Loyalty Discount

Transaction Amount: 100 USD
Loyalty Score: 3 points
Fee Reduction: 15% (5% × 3)
Applied Fee: 30% (45% - 15%)
Daily Investment: Already Made

Calculation:
- Fee Amount = 100 USD × 30% = 30 USD
- Discount Return = 1 USD
- To Additional Pool = 29 USD
- User Receives = 71 USD

Example 3: Minimum Fee

Transaction Amount: 100 USD
Loyalty Score: 6 points
Potential Fee: 15% (45% - 30%)
Applied Fee: 20% (minimum floor)
Daily Investment: Already Made

Calculation:
- Fee Amount = 100 USD × 20% = 20 USD
- Discount Return = 1 USD
- To Additional Pool = 19 USD
- User Receives = 81 USD

This fee structure creates a balanced system that:

  • Rewards consistent participation

  • Maintains platform sustainability

  • Ensures fair value distribution

  • Provides clear benefit calculation

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