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

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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.