Hourly Fee Tax

The Hourly Fee Tax is added on top of the Base Hourly Fee and varies by user tier, serving as a key revenue stream for the platform. Higher-tier users benefit from lower Hourly Fee Tax rates, making borrowing more cost-efficient.

Hourly Fee Tax Structure by Tier:

Tier	Hourly Fee Tax
Basic	10%
-	-
Plus	6%
Premium	4%
Platinum	2%

Example Calculation (for a Base Hourly Fee of $1.00):

Tier	Calculation	Total Hourly Fee
Basic	$1.00 × 10% = $0.10	$1.10/hour
-	-	-
Plus	$1.00 × 6% = $0.06	$1.06/hour
Premium	$1.00 × 4% = $0.04	$1.04/hour
Platinum	$1.00 × 2% = $0.02	$1.02/hour

This system rewards active and loyal users with lower borrowing costs while ensuring platform sustainability and fair revenue generation.