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Wallets: OCA & BW

Understanding the two wallet types that hold IA commissions.

Overview​

When an IA earns commissions, the funds are split between two wallets:

  • Primary Wallet (OCA) — 70% of commissions — withdrawable cash
  • Bonus Wallet (BW) — 30% of commissions — for purchases and CSR delivery

Primary Wallet (OCA)​

The Primary Wallet (Operating Cash Account) is for withdrawable cash. It receives 70% of earned commissions.

  • Can be withdrawn to bank account
  • Minimum withdrawal: $150 (after fees)
  • Maximum withdrawal: $3,000 per transaction

Bonus Wallet (BW)​

The Bonus Wallet is for purchases and additional plastic removal. It receives 30% of earned commissions.

Can be used for:

  • Purchasing PRS (plastic removal delivered, CSR issued as digital receipt)
  • Business License fees
  • Managed Purchase Pool participation

Cannot be:

  • Directly withdrawn as cash

Managed Purchase Pool (MPP)​

The MPP allows members to pool resources to purchase CSR collectively on the open exchange.

  • Funding source — Bonus Wallet (BW)
  • Pool size — ~$10,000 USD per pool
  • Manager — CEO executes purchases
  • Delivery — CSR delivered to CSR Central (~2 pools/week)
  • Backlog — Approximately 12 months of pending deliveries

How MPP Works​

  1. Allocate funds from BW to enter pool
  2. Pool manager purchases CSR on open exchange
  3. CSR distributed to participants' CSR Central
  4. Delivery timing at manager's discretion

Commission Flow Example​

An IA earns €1,000 in commissions:

€1,000 commission earned
    ├── €700 → OCA (withdrawable)
    └── €300 → Bonus Wallet (converts to CSR)

Withdrawal Rules​

Only commission funds can be withdrawn (not deposits). Withdrawals come from OCA only.

  • Minimum: $150
  • Maximum: $3,000 per transaction
  • Frequency: One withdrawal at a time per member
  • Fee: 250 CSR processing fee
  • Approval: CEO approves, CIO executes

Weekly Pay Run​

  • Cutoff: Friday 23:59 GMT
  • Processing: Typically 5 working days
  • Exceptional cases: Up to 11 weeks

Common Questions​

Can I move funds from BW to OCA? No. The split is automatic and fixed.

When does BW convert to CSR? Bonus CSR delivery begins week 44, after primary CSR delivery completes.