# Hourly Fee Tax

**Hourly Fee Tax: Additional Loan Cost by Tier**\
The **Hourly Fee Tax** is added on top of the Base Hourly Fee and varies by tier. It serves as a revenue stream for the platform, while rewarding higher-tier users with lower borrowing costs.

#### Hourly Fee Tax Structure by Tier

| Tier    | Hourly Fee Tax |
| ------- | -------------- |
| Basic   | 10%            |
| Pioneer | 8%             |
| Silver  | 6%             |
| Gold    | 4%             |
| Diamond | 2%             |

#### Example (Base Hourly Fee = $1.00)

| Tier    | Calculation         | Total Hourly Fee |
| ------- | ------------------- | ---------------- |
| Basic   | $1.00 × 10% = $0.10 | $1.10 / hour     |
| Pioneer | $1.00 × 8% = $0.08  | $1.08 / hour     |
| Silver  | $1.00 × 6% = $0.06  | $1.06 / hour     |
| Gold    | $1.00 × 4% = $0.04  | $1.04 / hour     |
| Diamond | $1.00 × 2% = $0.02  | $1.02 / hour     |

***

This system ensures **fair revenue generation for the platform** while **rewarding active and loyal users** with lower borrowing costs as they progress to higher tiers.


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