OCA/BW Split

Understanding the 70/30 commission split.

The Split

When you earn commissions:

Wallet	Percentage	Purpose
OCA (Operating Cash Account)	70%	Withdrawable cash
BW (Bonus Wallet)	30%	Converts to CSR

Example

You earn €1,000 in commissions:

Destination	Amount
OCA	€700
Bonus Wallet	€300

OCA (Operating Cash Account)

Property	Detail
Purpose	Withdrawable earnings
Contents	70% of commissions
Withdrawal	Yes — to bank or crypto
Minimum withdrawal	$150
Maximum withdrawal	$3,000 per transaction

OCA Withdrawal Rules

• Only commission funds (not deposits)
• One withdrawal at a time
• Approval required
• Weekly pay run processing

Bonus Wallet (BW)

Property	Detail
Purpose	Additional CSR delivery
Contents	30% of commissions
Withdrawal	Not directly withdrawable
Converts to	CSR Plastic Credits
Delivery starts	Week 44

BW Characteristics

• Cannot withdraw as cash
• Cannot transfer to OCA
• Automatically converts to CSR
• Delivery after primary CSR completes

Why This Structure?

Reason	Benefit
Immediate cash	70% available for withdrawal
Additional CSR	30% grows your CSR holdings
Aligned interests	Participation in platform growth

Cannot Change the Split

Question	Answer
Can I get 100% to OCA?	No
Can I get 100% to BW?	No
Can I change the ratio?	No
Is this negotiable?	No

The split is automatic and fixed for all IAs.

Tracking Your Wallets

In your Back Office:

• OCA balance shown separately
• BW balance shown separately
• Transaction history for each
• Pending credits visible

Wallet Flow

flowchart TD
    A[Commission Earned] --> B{70/30 Split}
    B -->|70%| C[OCA]
    B -->|30%| D[Bonus Wallet]
    C --> E[Withdraw to Bank/Crypto]
    D --> F[Convert to CSR]
    F --> G[Deliver Week 44+]