Capital Protocol

How It Works

A rules-based path from identity verification and capital deployment through daily yield, maturity, and settlement.

Protocol
v1.0 · Capital lifecycle
Cash maturity
30 complete days
Updated
September 2026
01Operating sequence

The Capital Lifecycle: Step-by-Step

Verification → settlement
01

Onboarding & Verification

02

Deployment & Dynamic Match

03

Active Yield Accrual (Day 1)

04

Liquidity & Milestone Unlocks

Source lifecycle diagram: ┌─────────────────┐ ┌─────────────────┐ ┌──────────────────────┐ ┌────────────────────┐ │ 01. Onboarding │ ──► │ 02. Deployment │ ──► │ 03. Active Yield │ ──► │ 04. Liquidity & │ │ & Verification │ │ & Dynamic Match │ │ Accrual (Day 1) │ │ Milestone Unlocks │ └─────────────────┘ └─────────────────┘ └──────────────────────┘ └────────────────────┘
02Holding schedule

Milestones, not guesswork.

M01

Day 1

Full effective capital begins yield participation
M02

30 days

Investor-funded cash capital becomes eligible
M03

60 days

Promotional bonus principal fully matures
03Detailed protocol

Step 1: Account Registration & Identity Verification

01
  • Account Setup: Register your institutional profile with your full legal name, verified email, and secure credentials protected by mandatory Multi-Factor Authentication (2FA).
  • Email Verification: Confirm account ownership via a cryptographically signed email verification token.
  • Mandatory KYC/AML Clearance: Submit identity and residence verification documents. To protect platform liquidity and satisfy global compliance standards (FATF, 5AMLD/6AMLD), all deposit and withdrawal capabilities require completed verification.

Step 2: Capital Deployment & Dynamic Match Allocation

02
  • Asset Rail Selection: Select your preferred settlement asset and network (USDT, USDC, BTC, ETH) to generate a unique destination address.
  • Dynamic Promotional Match: The system queries active database rules to match your deposit tier in real time.
  • Effective Capital Composition: Your yielding balance is calculated as:
FormulaFixed-decimal allocation model

Effective Investment = Investor Cash Capital + Active Deposit Bonus

Source notation: $$\text{Effective Investment} = \text{Investor Cash Capital} + \text{Active Deposit Bonus}$$

Daily profit distributions accrue across the full Effective Investment pool from Day 1.

  • Internal Reinvestment Guard: Reinvesting finalized profit compounds returns directly. Internal reinvestments do not qualify for new promotional deposit bonuses or duplicate direct affiliate commissions.

Step 3: Investment Activation & Day-1 Yield Participation

03
  • Ledger Activation: Upon blockchain settlement, your investment is activated with an immutable timestamp and recorded on our append-only double-entry ledger.
  • Immediate Profit Accrual: Promoted bonus capital participates in algorithmic yield distributions immediately upon activation, without waiting for the bonus principal holding requirement to mature.
  • Independent Investment Tracking: Every deployment is assigned a unique contract ID, tracking individual cash amounts, locked bonus credits, daily returns, and exact unlock milestones.

Step 4: Daily Profit Distribution & Performance Intelligence

04
  • Pro-Rata Profit Formula: Total daily finalized trading profit is distributed proportionally across all active capital:
FormulaFixed-decimal allocation model

Investor Allocation = Total Distributable Profit × (Investor Eligible Effective Investment ÷ Total Platform Eligible Effective Investment)

Source notation: $$\text{Investor Allocation} = \text{Total Distributable Profit} \times \left( \frac{\text{Investor Eligible Effective Investment}}{\text{Total Platform Eligible Effective Investment}} \right)$$
  • Automated Accounting: Distributions are calculated with high-precision decimal arithmetic and credited directly to your withdrawable profit balance.
  • Read-Only Market Intelligence: Monitor institutional trading performance in real time via integrated, read-only TradingView charts, published performance metrics (drawdown, win rate, Sharpe ratios), and daily trade commentary.

Step 5: Capital Maturation & Liquidity Schedule

05

FibWealth enforces structured liquidity protocols to protect trading capital and platform stability:

Asset Bucket
Realized Profit
Holding Period / Schedule
Saturday & Sunday (UTC)
Rules & Conditions
Available for withdrawal exclusively during the weekend execution window.
Asset Bucket
Cash Capital
Holding Period / Schedule
30 Complete Days
Rules & Conditions
Principal cash becomes eligible for redemption 30 days after investment activation.
Asset Bucket
Bonus Principal
Holding Period / Schedule
60 Complete Days
Rules & Conditions
Promotional bonus funds mature into unrestricted, withdrawable capital after 60 eligible holding days.
Asset Bucket
Affiliate Earnings
Holding Period / Schedule
Saturday & Sunday (UTC)
Rules & Conditions
Available for withdrawal during the weekend execution window, evaluated net of outstanding deficits.
  • Early Capital Withdrawal Forfeiture: If an investor elects to withdraw their qualifying cash capital before the 60-day bonus holding requirement is met, the locked bonus is automatically forfeited via an atomic ledger debit. All finalized daily profit earned up to the withdrawal timestamp remains retained by the investor.

Step 6: Affiliate & Partner Acceleration

06
  • Active Relationship Prerequisite: Commissions accrue exclusively while the referral relationship maintains an ACTIVE status in the ledger. Pending, suspended, or rejected relationships bypass commission generation entirely.
  • 5% One-Time Direct Capital Commission: Affiliates earn a flat 5% one-time direct commission on the initial qualifying external cash deposit initiated by their direct referrals (5 per 100 funded) upon compliance clearance. Subsequent deposits do not generate direct commissions.
  • 2% Lifetime Yield Share: Earn an ongoing 2% commission calculated exclusively against your referral's finalized positive daily profit distributions.
  • Anti-Arbitrage Isolation & Deficit Settlement: Direct commissions are calculated strictly against investor cash and exclude promotional bonus credits or internal reinvestments. If distributions are reversed, commission clawbacks are tracked via deficit accounting and paid down prior to subsequent withdrawals.

Step 7: Settlement & Enterprise Support

07
  • Double-Spend Protection: Withdrawal requests reserve eligible funds on the ledger immediately upon submission.
  • Direct Network Settlement: Approved requests are transmitted to your whitelisted destination wallet address on the designated network.
  • 24/7 Support Desk: Access assistance directly from your Investor Workspace with an integrated ticketing system covering deposits, technical inquiries, account security, and corporate verification.