# Referral System

Earn rewards by referring merchants to MakaPay. As an agent, you set a markup on each merchant you refer and earn 90% of that markup on every transaction they process.

***

## How It Works

### Agent Markup Model

When you refer a merchant, you choose a markup rate that gets added to MakaPay's base fee. Your earnings come directly from the markup you set.

```
┌─────────────────────────────────────────────────────────────────┐
│                     Fee Breakdown                               │
│                                                                 │
│  MakaPay base fee:     0.25%                                    │
│  Agent markup:         0.25%, 0.50%, or 0.75% (you choose)      │
│  Network fee:          $0.10 per transaction                    │
│                                                                 │
│  Total merchant fee = 0.25% base + your markup + $0.10          │
└─────────────────────────────────────────────────────────────────┘
```

### Earnings Split

| Recipient     | Share             | Description                          |
| ------------- | ----------------- | ------------------------------------ |
| Agent         | **90%** of markup | Your commission on every transaction |
| Upline/Mentor | **10%** of markup | Goes to whoever referred you         |
| MakaPay       | 0.25% base fee    | Platform's base fee (not shared)     |
| Network       | $0.10 flat        | Processing fee (not shared)          |

If you have no upline, the 10% goes to a MakaPay fallback account.

***

## Markup Options

| Markup Level | Total Merchant Fee | Agent Earns (90%) | Upline Earns (10%) |
| ------------ | ------------------ | ----------------- | ------------------ |
| 0.25%        | 0.50% + $0.10      | 0.225% of tx      | 0.025% of tx       |
| 0.50%        | 0.75% + $0.10      | 0.45% of tx       | 0.05% of tx        |
| 0.75%        | 1.00% + $0.10      | 0.675% of tx      | 0.075% of tx       |

***

## Example Scenarios

### Scenario 1: Full Chain (Agent + Upline)

```
Alice (upline) → referred → Bob (agent) → referred → Charlie (merchant)

Bob set a 0.75% markup on Charlie.

Charlie processes a $1,000 payment:

Total fee:   0.25% base + 0.75% markup + $0.10 = $10.10
Markup pool: $1,000 x 0.75% = $7.50

Distribution:
├── Bob (Agent, 90% of markup):     $7.50 x 90% = $6.75
├── Alice (Upline, 10% of markup):  $7.50 x 10% = $0.75
├── MakaPay (base fee):             $1,000 x 0.25% = $2.50
└── Network (processing fee):       $0.10
```

### Scenario 2: Agent With No Upline

```
Bob (agent, no upline) → referred → Charlie (merchant)

Bob set a 0.50% markup on Charlie.

Charlie processes a $1,000 payment:

Total fee:   0.25% base + 0.50% markup + $0.10 = $7.60
Markup pool: $1,000 x 0.50% = $5.00

Distribution:
├── Bob (Agent, 90% of markup):     $5.00 x 90% = $4.50
├── Fallback (10% of markup):       $5.00 x 10% = $0.50
├── MakaPay (base fee):             $1,000 x 0.25% = $2.50
└── Network (processing fee):       $0.10
```

### Scenario 3: Direct Merchant (No Agent)

```
Charlie signed up directly (no referral code).

Charlie processes a $1,000 payment:

Total fee:   1% + $0.10 = $10.10

Distribution:
├── MakaPay:               $10.00
└── Network:               $0.10
```

***

## Getting Started

### 1. Generate Your Referral Code

1. Go to **Dashboard > Referrals**
2. Click **Generate Referral Code**
3. Your unique 8-character code is created (e.g., `ABC12345`)

Requirement: 5 completed payments with received amount > 0, or admin bypass.

### 2. Share Your Code

Share your referral code or link:

* Direct code: `ABC12345`
* Referral link: `https://app.makapay.io/signup?ref=ABC12345`

### 3. Set Your Markup

When you refer a merchant, choose your markup rate:

* **0.25%** -- Lower fee for the merchant, lower earnings for you
* **0.50%** -- Balanced option
* **0.75%** -- Higher earnings, but merchant pays more (total 1% + $0.10)

***

## Withdrawing Earnings

### How It Works

Agent earnings accumulate off-chain. You can request a payout at any time -- there are no withdrawal windows or monthly cycles.

### Minimum Withdrawal

* **$0.10 USD** per token/chain combination

### Withdrawal Process

1. Go to **Dashboard > Referrals > Withdraw**
2. Enter your wallet address
3. Click **Request Withdrawal**
4. Funds arrive in your wallet

### Fees on Withdrawal

* Gas fees deducted from earnings
* MakaChain: $0.10 flat transfer fee
* Other chains: Variable gas cost

***

## Referral Dashboard

### Earnings Summary

View earnings grouped by token and chain:

| Token | Chain     | Total Earned |
| ----- | --------- | ------------ |
| USDT  | Polygon   | $25.00       |
| USDT  | MakaChain | $8.50        |
| USDC  | Ethereum  | $12.00       |

### My Network

| Merchant  | Markup | Joined | Your Earnings |
| --------- | ------ | ------ | ------------- |
| user\_xxx | 0.75%  | Jan 5  | $15.00        |
| user\_yyy | 0.50%  | Jan 8  | $5.00         |

***

## Rules & Limitations

### One Level of Agent Earnings

* You earn 90% of your markup on merchants you referred
* Your upline earns 10% of your markup
* No earnings beyond this single upline level

### One Code Per Account

* Each user can only apply ONE referral code
* Code must be applied during signup
* Cannot change referral code once applied

### No Self-Referral

* Cannot use your own referral code
* System blocks self-referral attempts

### Fallback When No Upline

When an agent has no upline, the 10% that would go to a mentor is sent to a MakaPay fallback account. The agent still receives their full 90%.

***

## FAQ

### How is the merchant's fee determined?

* **Direct merchants** (no agent referral): Flat 1% + $0.10
* **Agent-referred merchants**: 0.25% base + agent's chosen markup (0.25%, 0.50%, or 0.75%) + $0.10
* **Members**: 0% (special admin-assigned plan)

### What markup should I choose?

It depends on your strategy. A lower markup (0.25%) makes it easier to attract merchants since their total fee is only 0.50% + $0.10. A higher markup (0.75%) maximizes your per-transaction earnings but means the merchant pays the same 1% as direct signups.

### Can I change the markup for a merchant after signup?

Contact support to adjust markup rates for existing merchants.

### How often can I withdraw earnings?

Anytime. There are no withdrawal windows. Earnings accumulate off-chain and you can request a payout whenever your balance meets the minimum ($0.10 per token/chain).

### What happens to old earnings?

Existing earnings from before this update remain unchanged. The new model applies to future payments only.

### What if I was referred by another agent?

You automatically become their "downline." When your referred merchants process payments, your upline (the agent who referred you) earns 10% of your markup. This does not reduce your 90% share.


---

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