๐Ÿ“˜ LEARN
61.8 ยท Affiliate Program ยท Compensation Plan
โŠ˜ ELIGIBILITY-GATED ยท REFERRAL REQUIRED ยท GLOBAL
โ”Œโ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ” โ”‚ 61.8 AFFILIATE PROGRAM ยท OPEN-WIDTH UNI-LEVEL ยท ELIGIBILITY-GATED ยท v1.0 โ”‚ โ”‚ 50% WEEKLY ROLL-UP ยท 7-DAY SETTLEMENT ยท FIAT + STABLECOIN PAY ยท OPEN-SOURCE โ”‚ โ””โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”€โ”˜
โš  PROGRAM STATUS ยท NOT YET ACTIVE

The 61.8 Affiliate Program is not currently active.

The compensation mechanic, smart contract, and earnings simulator below are fully designed and operational โ€” but the program is paused while we look for the right person to take the lead on it.

We are actively seeking a qualified sales partner to run the affiliate side of 61.8: recruiting initial qualifying members, onboarding crypto-native traders, and growing the cascade. The right partner gets favorable position in the tree and a meaningful equity stake in program operations.

If you have a sales background in fintech, trading communities, or crypto subscriber acquisition, reach out: admin@basecampindustries.com

Compensation Plan ยท Uni-Level ยท Open Width ยท Unlimited Depth ยท 50% Weekly Roll-Up ยท 7-Day Settlement ยท Fiat + Stablecoin

The 61.8 Affiliate Program.
Open width. Unlimited depth.

An open-width, uni-level compensation plan with a 50% weekly Roll-Up. Of each $25/week paid by a host-product subscriber, $5 covers platform overhead and $20 enters the affiliate cascade, settled every 7 days. Pay in fiat (card / ACH / Apple Pay / Google Pay) or USDC. Commissions paid in USDC, BTC, ETH, or SOL via Stripe Crypto. Qualify with two active personal referrals. Forward 50% of your weekly earnings upward; receive 50% from every personal beneath you. No ranks, no quotas, no forced matrix, no breakage. The compensation logic runs as a verified open-source smart contract โ€” anyone can inspect the math. For details on the host product itself, see the live dashboard.

Plan Type
Uni-level
Open width ยท Unlimited depth ยท No forced matrix
Qualify By
Recruit 2
Two personally referred active accounts โ€” lose & regain freely
Settlement
7 Days
Anniversary weekday ยท 52 settlements per year
Weekly Roll-Up
50%
Of total weekly earnings ยท Compounds through depth
[01] ยท Earnings simulator

Open width, unlimited depth. Move the sliders.

A uni-level tree expands geometrically: at depth L, the total number of active positions in your downline equals the sum of your personals + their personals + their personals' personals + โ€ฆ Each personal pays the host product's weekly commissionable amount, and the 50% weekly Roll-Up compounds the cascade upward through every level. The simulator computes your steady-state weekly earnings under the production mechanic โ€” 50% Weekly Roll-Up. Slide depth higher to see the cascade compound; slide personals or commission to scale the headline.

$20
20
3
10

Open-width uni-level structure. Each affiliate can have any number of personal signups. The qualification rule (two active personals to earn) still applies โ€” beyond that, every additional personal compounds the Roll-Up Bonus.

โ˜… Your weekly take-home (net)
โ€”
What you keep after forwarding 50% of total upward. Equal to Direct + Roll-Up received โˆ’ Tribute forwarded. Settles every 7 days. Multiply by 52 to annualize.
โ˜… Your 28-day take-home (net)
โ€”
Weekly take-home ร— 4 (28 days = 4 settlements). 13 of these cycles per year.

โš  SIMULATOR ASSUMPTIONS. Steady-state model assumes 100% retention, every non-root affiliate has exactly W personals, and every position is qualified (โ‰ฅ2 active personals). Real outcomes depend on churn, qualification gaps, and tree topology, and will typically be materially lower than the headline. Realistic networks rarely exceed depth 8โ€“12 and width 3โ€“7; numbers at the slider extremes are mathematical illustrations only. At L โ‰ฅ 10 the cascade grows geometrically (1.5ร—/level for W=3) and the headline becomes an extreme upper bound โ€” useful for understanding the mechanic, not a forecast.

ANNIVERSARY RULE. Every affiliate has a personal weekday โ€” the day of the week they first activated. Each 7-day Roll-Up settlement runs anniversary to anniversary. If an affiliate stops paying and later resumes, their new anniversary becomes the weekday they resumed. 52 settlements per year.

Per-level contribution (gross โ€” before forwarding 50% to your upline)

THE PRODUCTION MECHANIC โ€” D ยท 50% WEEKLY ROLL-UP

Roll-Up is always on โ€” every 7 days, every affiliate forwards a tribute and receives W tributes back. The cascade compounds through depth; sliding L up keeps pushing earnings higher.

โ˜… Your personal recruits never transfer to your upline.

Unlike the classic Two-Up plan (where a new rep permanently passes their first two recruits' commissions to their sponsor), this is a weekly recurring share. Every 7 days you share a slice of your weekly earnings with your upline โ€” and each of your personals shares the same slice with you. The recruits, the relationships, and the ongoing weekly revenue stay with you for as long as those subscriptions remain active. Nothing transfers to the upline.

PRODUCTION D ยท 50% WEEKLY ROLL-UP ON-CHAIN ยท AVALANCHE
Forward 50% of your weekly personal-sales each week. Receive 50% from every one of your personal signups in turn. Recruits stay yours forever โ€” only the weekly slice moves.
โ†‘ Tribute forwarded
โ€”
To your direct upline
โ†“ Tribute received (all personals)
โ€”
From every direct personal signup
ฮ” Net Roll-Up bonus
โ€”
Received โˆ’ Forwarded
โ˜… Total earnings / week
โ€”
Direct + Net Roll-Up ยท assumes you are qualified (โ‰ฅ2 active personals)
DIRECT IN
Personal signups ร— commission/week
+
ROLL-UP IN
50% from each personal signup
โˆ’
ROLL-UP OUT
50% of your total โ†’ upline
=
YOUR TOTAL
Settled every 7 days ยท 52ร—/year

Estimates are illustrative only. Actual results depend on referral activity, retention, qualification, and the host product's configured commissionable amount. See ยง Legal.

[02] ยท How it works

Three rules. That's the whole machine.

No ranks, no fast-start tiers, no PV/CV gymnastics. An open-width uni-level structure with a 7-day settlement cycle and a 50% weekly Roll-Up layered on top. The commissionable amount per active account is whatever the host product is configured to pay each week.

01
Each personal pays a weekly commission for as long as they stay active
Each of your personally referred active accounts generates a weekly commission for you. You set how many personals you bring โ€” there's no cap on how many you can recruit. The host product determines the commissionable amount per active account per week. Cancellation by a personal stops their commission stream until they reactivate; nothing else.
02
Qualify with two active personals โ€” auto-compression handles the rest
Until you have two personally referred active accounts, the system auto-compresses you out of the commission flow: anything that would settle to your position is paid up to the nearest qualified affiliate. The moment you bring your second active personal, you decompress immediately. Your two qualifiers only need to be paying โ€” they don't have to be qualified themselves. Qualification can be lost and re-earned indefinitely.
03
Every 7 days: 50% of your total weekly earnings rolls up โ€” and W tributes roll down
Settlement runs anniversary-to-anniversary every 7 days. You forward 50% of your total weekly earnings to your direct upline; each of your personal signups forwards 50% of theirs to you. Because their total already includes the Roll-Up they received from their personals, depth compounds the cascade. Recruits never transfer โ€” only the weekly slice moves.
[03] ยท Auto-compression cycle

From activated to qualified โ€” in two moves.

Until you bring two active personals, the system auto-compresses you out of the weekly settlement and pays your upline instead. The moment you bring your second, you decompress back in and your 7-day Roll-Up starts paying you. There is no rank ladder; qualification can be lost and re-earned every week without penalty.

Step 01
Activate

You subscribe and become an active account. You get your unique affiliate link and your anniversary weekday is set. Credited but not yet qualified.

Step 02
Refer #1

Your first personally referred active account. You're still auto-compressed, so this week's weekly commission from that personal flows past you to your direct upline.

Step 03
Refer #2 โ†’ Qualified

Your second active personal flips you on. Next weekly settlement, you collect from both โ€” and the 50% Roll-Up cascade activates upward and downward through your tree. Your two qualifiers only have to be paying; they don't have to be qualified themselves.

Step 04
Jump back in any time

If a personal cancels and you drop below two, auto-compression pauses your earnings at the next weekly settlement. Add another active personal and you decompress immediately. No streaks, no penalty boxes, no resets.

[04] ยท Weekly Roll-Up Bonus

Forward 50%. Receive 50% from every personal.

61.8 Affiliate Program runs on a 7-day settlement cycle. Every 7 days, on your anniversary weekday, the system settles: you forward 50% of your total weekly earnings to your direct upline, and each of your personal signups does the same upward to you. Your recruits never transfer. Only the weekly slice moves, and only for that 7-day window. You forward one share, you receive one share from every personal โ€” and because your personals' totals already include the Roll-Up they received from below, depth compounds the cascade.

01
Settlement runs every 7 days, anniversary to anniversary
Each affiliate's settlement weekday is the day they first activated โ€” your personal anniversary. Every 7 days from that weekday, the system settles: 50% of your total weekly earnings is forwarded to your direct upline. If you stop paying and later resume, your new anniversary becomes the weekday you resumed. 52 settlements per year.
02
"50%" means 50% of your TOTAL โ€” never 50% of direct
Total = Direct + Received from downline. The 50% slice that flows up applies to that combined Total, not to your direct commissions alone. Example: 15 personals ร— $10/week = $150 Direct. Roll-Up received from your downline = $50. Total = $200. Tribute forwarded to upline (50% of $200) = $100. You keep $100 net. The tribute is always larger than 50% of Direct ($75 here) โ€” because Total includes everything cascading up from your downline.
03
Depth compounds: each level of downline adds another layer of leverage
What your personals send you is half of their total โ€” which already includes the Roll-Up they received from their personals (your L2), which already includes the Roll-Up those personals received from their personals (your L3). Every level your tree extends folds another compounding ring into your weekly take. A 5-level-deep downline has 5 layers of compounded Roll-Up flowing up to you.

Inspired by Two-Up โ€” adapted for weekly autoship SaaS. The classic Two-Up plan from high-ticket direct sales requires a new rep to pass the commissions from their first two sales to their sponsor before keeping their own. That model works for one-time transactions but is poorly suited to a weekly autoship SaaS, because passing up your first two recruits permanently means giving up all future weekly commissions on those accounts โ€” a much higher cost over time than two one-time commission slices.

The 61.8 Affiliate Program plan powering 61.8 keeps the leverage idea but removes the permanent-transfer part: instead of permanently transferring recruits, every 7 days each affiliate forwards a weekly share โ€” 50% of their total weekly earnings โ€” to their direct upline, and receives the same slice from each of their personal signups. The recruits, the relationships, and the ongoing weekly commissions stay with you while those subscriptions remain active. Nothing transfers to the upline.

[05] ยท Pay plan structure

Where every weekly dollar goes.

For 61.8, the weekly subscription is $25 โ€” payable in fiat (card, ACH, Apple/Google Pay) or USDC. $5 flows to 61.8 as platform overhead. $20 becomes the commissionable amount that drives the 61.8 Affiliate Program cascade. Three lines drive the entire pay plan โ€” no PV/CV, no rank ladders, no point conversions.

Line Trigger Destination
Weekly direct commission Personal active The host product's weekly commissionable amount is paid to the personal's direct sponsor at every 7-day settlement, as long as the personal stays active.
Auto-compression Sponsor unqualified If the direct sponsor doesn't have two active personals, the commission walks past them to the next qualified affiliate up the line. Sponsor decompresses the moment they re-qualify.
50% weekly Roll-Up Anniversary settlement Every 7 days, on each affiliate's anniversary weekday, 50% of their total weekly earnings is forwarded to their direct upline. Each upline simultaneously receives 50% from every one of their personal signups. Recruits never transfer; only the weekly slice moves.
[06] ยท What's different

Three things this is not.

Not a rank ladder

There are exactly two states each week: compressed (out of the settlement flow) and qualified (collecting). No bronze/silver/gold. No quotas. No fast-start clock. Hit two active personals, the weekly Roll-Up turns on; lose them, the flow pauses.

Not a recruit-transfer plan

Unlike classic Two-Up, your personal recruits never transfer to your sponsor or anyone else. The only thing that moves is the weekly slice: 50% of your total weekly earnings flows to your direct upline at settlement. The relationship, the long-term revenue, and every dollar of future Roll-Up stay yours forever.

Walk-up compression, not breakage

Auto-compressed positions don't lose their dollars โ€” those commissions walk past them to the next qualified affiliate up the line. The host product never pockets a commission that should have paid a qualified person below it. The only residual that ever accrues to the company treasury is whatever reaches the very top of the chain after the cascade has finished forwarding upward โ€” a small geometric tail that shrinks with each level of depth.

[07] ยท Five facts

How affiliates actually win.

Fact 01
Retention beats recruitingThe weekly settlement only pays on active accounts. Keep your personals subscribed week over week and the cascade keeps flowing.
Fact 02
Two is the magic numberTwo active personals turns on the 50% weekly Roll-Up. After that, depth and width do the lifting.
Fact 03
Depth compounds, width scalesWidth adds W tributes per settlement; depth folds another compounding ring of Roll-Up into every tribute that reaches you. Build both.
Fact 04
Auto-compression rewards activityIf an upline drops below two active personals, they're skipped over and their commission walks up the line. Show up, get paid; sit out, watch it pass.
Fact 05
Locked at $25/week, foreverThe 61.8 subscription is $25/wk โ€” pay in fiat or USDC. Of that, $5 covers platform overhead and $20 enters the 61.8 Affiliate Program cascade. No tiers, no upsells, no rank-up fees โ€” same price for every subscriber on day one and on year five.

Enroll in the program.

Enrollment is the same action as subscribing to the host product โ€” $25 per week (pay in fiat or USDC), of which $20 enters the compensation cascade. Share your referral link with two prospects, get them activated, and the 50% weekly Roll-Up turns on at your next anniversary. That's the entire onboarding.

PAYOUTS INFRASTRUCTURE

Stablecoin-native commissions on Stripe Crypto + Tempo

Affiliate commissions settle in USDC via Stripe Crypto over the Tempo blockchain โ€” sub-second finality, fractions-of-a-cent fees, GENIUS Act compliant. Stripe Crypto handles money transmission, KYC, sanctions screening, and tax-form generation. fibo.club never custodies funds.

DOWNLOAD PARTNERSHIP MEMO (PDF)

COMPLIANCE & PARTICIPANT REQUIREMENTS

Eligibility, structure, and tax framework

Draft v5.2 for legal review. InfiniteAffiliate is a SaaS-with-referral arrangement open globally, including U.S. persons. The framework below describes how the program is structured, how the relevant regulatory tests are satisfied, what every participant is expected to provide, and how the compliance posture is enforced operationally.

1. Product & eligibility

A $25-per-week subscription delivers the 61.8 signal service to every paying member identically โ€” same dashboard access, same Telegram alerts, same signal cadence. The subscription is the product. Members consume it for their own trading regardless of whether they ever refer anyone else.

Referral commissions are an optional, eligibility-gated mechanism paid out of subscription revenue. To unlock referral earning, a member must first demonstrate active, functional use of the signal service โ€” either:

  • A working paper-trading demo account showing live execution of fibo.club signals across at least 10 signals over the prior 30 days, or
  • A live brokerage account with documented orders that follow the signal stream over the same window

Periodic re-verification: Eligibility is re-checked quarterly. Affiliates whose demonstrated usage lapses for more than 60 days lose referral-earning status until they re-qualify. This prevents the gate from becoming a one-time formality.

External-retail-sales requirement for advancement. To prevent the structure from devolving into recruitment-driven compensation, higher commission tiers require demonstrated retail sales to non-affiliate consuming subscribers:

  • Standard tier (first 90 days, or any active affiliate): no external sales minimum
  • Advanced tier: at least 5 actively paying, non-affiliate referred subscribers retained for 30+ days
  • Senior tier: at least 20 actively paying, non-affiliate referred subscribers retained for 60+ days
  • Subscribers who themselves enroll as affiliates do not count toward these thresholds

This requirement materially strengthens the model's position under the FTC Herbalife consent-decree framework (2016), which required compensation to be tied to retail sales to actual customers who use the product. By restricting referral status to demonstrably active users โ€” re-validating that status quarterly โ€” and gating advancement on real external retail sales, every person permitted to promote the service independently validates its retail value on an ongoing basis.

2. Not a security under Howey

The U.S. Supreme Court's Howey test (SEC v. W.J. Howey Co., 1946) defines an investment contract by four conjunctive elements. All four must be satisfied for an arrangement to be a security:

  • Investment of money โ€” yes, the $25 weekly subscription fee.
  • In a common enterprise โ€” no. Each subscriber receives an individually delivered service; there is no horizontal pooling of subscriber funds toward a shared profit pool.
  • With an expectation of profit โ€” no. Members purchase the signal service for their own use, not as a capital contribution toward returns generated by the promoter.
  • From the efforts of others โ€” no. The value received is the signal service itself, not a return generated by promoters, recruiters, or other affiliates.

On vertical commonality specifically: the federal circuits are split. The Second, Third, Sixth, and Seventh Circuits require horizontal commonality (pooling among investors with pro rata profit-sharing). The Fifth, Ninth, and Eleventh Circuits accept broad vertical commonality (investor success tied to promoter success). Under any commonality test, the fibo.club arrangement fails because (i) subscribers receive an individually delivered service, not a return on capital; (ii) commissions to affiliates are not "profits" from a venture but marketing-channel payments from subscription revenue, identical in character to any SaaS referral payout (Dropbox, Substack, Costco); (iii) referrals are an optional marketing-channel mechanism, not the consideration for which the subscription is purchased.

Prongs two, three, and four are not satisfied under any commonality theory. The structure is the same as any subscription SaaS business that runs a referral program.

Economic-reality disclaimer. Securities classification is a fact-specific inquiry. While the analysis above reflects a good-faith application of Howey and its progeny to the InfiniteAffiliate structure as described, no representation is made that a regulator or court could not reach a different conclusion on a different factual record. Participants should not rely on this analysis as a substitute for their own legal counsel.

3. Not a Commodity Trading Advisor under the CEA

The Commodity Exchange Act and CFTC regulations require persons providing trading advice on commodity interests (futures, swaps, and certain digital assets) to register as Commodity Trading Advisors (CTAs) with the CFTC and become members of the National Futures Association (NFA), unless an exemption applies.

The fibo.club signal service falls outside CTA registration requirements on the following grounds:

  • Signals are educational, technical indicators (Fibonacci 61.8% retracements following qualifying impulse moves) โ€” not specific personalized recommendations
  • Signals are delivered to a general subscriber base on uniform terms, qualifying for the "publisher's exemption" articulated under CFTC Rule 4.7 and analogous case law
  • fibo.club does not direct, manage, or have discretion over any subscriber's trading account
  • Subscribers execute trades on their own brokers, in their own size, at their own discretion
  • No representation is made that fibo.club or Base Camp Industries LLC is a registered CTA

As a precaution, signal output is not personalized to specific subscribers and the service does not provide individualized portfolio recommendations or risk-tolerance-based scaling. Disclosure that the service is not a registered CTA is presented at every subscriber and affiliate onboarding.

Affiliate framing prohibition. Affiliates are expressly prohibited from describing the fibo.club signal service as personalized trading advice, individualized portfolio recommendations, or a substitute for a registered investment adviser or commodity trading advisor in any marketing material. Violation may result in suspension under Section 10 below.

4. Tax documentation

U.S. participants provide at enrollment:

  • IRS Form W-9 (Request for Taxpayer Identification Number and Certification)
  • Form 1099-NEC is issued by Base Camp Industries LLC to any U.S. affiliate earning $600 or more in a calendar year
  • Form 1099-DA (Digital Asset reporting) is issued for stablecoin / crypto payouts, in accordance with IRS rules effective tax year 2025 onward

Non-U.S. participants provide at enrollment:

  • Form W-8BEN (or W-8BEN-E for entities) certifying foreign status
  • Any applicable tax-treaty benefit claims
  • Information required for FATCA (Foreign Account Tax Compliance Act, for U.S.-source income) or CRS (Common Reporting Standard) reporting depending on country of residence

USDC payouts have a tax basis at the U.S. dollar value at the moment of receipt; any subsequent fluctuation in the affiliate's holding period is the affiliate's own tax responsibility (capital gain or loss). Form 1099-DA reflects fair market value at the time of payout.

State withholding: a small number of U.S. states require state-level income-tax withholding on non-employee compensation paid to in-state recipients in certain circumstances (e.g., CA, GA). Stripe Tax administers state withholding where required and remits to the relevant state authority; the affiliate receives the net amount and the appropriate state form (e.g., CA Form 592) at year-end.

All tax forms are collected through Stripe Connect's KYC/onboarding flow, stored encrypted, and made available for the participant to download at any time from their dashboard.

5. AML, sanctions, and data privacy

Anti-Money Laundering / Combating Terrorist Financing (AML/CTF):

  • Customer Identification Program (CIP): each affiliate enrollment requires verified government-issued identification, residency proof, and tax form, all collected by Stripe Connect Express
  • Ongoing transaction monitoring is performed by Stripe Radar (subscriptions) and Stripe Crypto (payouts), flagging anomalies for review
  • Suspicious activity escalation: flagged enrollments or transactions are reviewed by Stripe's AML team and escalated to FinCEN via Suspicious Activity Reports (SARs) as required under 31 CFR Part 1022
  • Records are retained per FinCEN requirements (5 years) and IRS requirements (7 years), accessible via Stripe Sigma

Sanctions screening:

  • All enrollments are screened against the U.S. OFAC Specially Designated Nationals (SDN) list, the EU consolidated sanctions list, and the UN Security Council Consolidated List at the time of onboarding
  • Re-screening runs on every subsequent payout cycle
  • Participants resident in OFAC-comprehensively-sanctioned jurisdictions (currently including Iran, North Korea, Cuba, Syria, and the Crimea/Donetsk/Luhansk regions of Ukraine) are not eligible

Data privacy:

  • Affiliate and subscriber personal data is processed by Base Camp Industries LLC as data controller; Stripe operates as data processor for KYC, payment, and tax data
  • For EU/EEA residents, processing complies with the EU General Data Protection Regulation (GDPR), with lawful basis being contract performance and legitimate interest in fraud prevention
  • For California residents, the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA) apply; participants may request data access, correction, or deletion via the dashboard
  • Retention: KYC and tax data for the longer of 7 years (IRS) or applicable statutory periods; signal-usage data anonymized after 24 months
  • Data breach notification follows the most stringent applicable regime (typically GDPR's 72-hour rule)

A full privacy policy is published separately and incorporated by reference.

6. Payouts, custody, and the Stripe compliance stack

Commissions are paid in USDC via Stripe Crypto over the Tempo blockchain. USDC is a payment stablecoin under the GENIUS Act (signed July 18, 2025) and falls into Bucket 4 of the SEC-CFTC joint interpretation (March 17, 2026) โ€” explicitly not a security.

The compliance and settlement stack is layered:

  • Stripe Connect Express โ€” affiliate onboarding, identity verification (KYC), W-9 / W-8BEN collection, OFAC and sanctions screening at enrollment
  • Stripe Crypto โ€” routes fiat-to-stablecoin conversion and orchestrates the on-chain disbursement
  • Bridge (a Stripe subsidiary) โ€” holds the required state and federal money-transmission licenses; performs the actual USDC settlement on-chain
  • Stripe Tax โ€” automated generation and filing of Forms 1099-NEC and 1099-DA at year-end for U.S. recipients
  • Stripe Radar โ€” fraud detection on subscription payments and affiliate behavior anomalies
  • Stripe Sigma โ€” queryable transaction ledger providing the audit trail required for regulatory inquiries and tax-authority requests

fibo.club / Base Camp Industries LLC does not custody affiliate funds at any point. Subscription revenue lands in a Stripe-managed balance; commission allocations are recorded as Stripe Connect transfers; the actual USDC payout moves from Bridge's custody directly to the affiliate's self-custody wallet address (or Privy-hosted wallet). No part of the flow places Base Camp Industries LLC into a money-transmitter role.

7. FTC analysis, income disclosure, and state considerations

Under the FTC's pyramid-scheme analysis โ€” drawn from Koscot Interplanetary (1975) and the Amway safeguards โ€” compensation must be tied to actual retail sales of a real product to consuming customers, not to recruitment. The fibo.club model satisfies this test on multiple grounds:

  • There is no fee to become an affiliate beyond the standard $25 subscription
  • The $25 is consideration for the signal service itself, delivered identically to non-referring members
  • Commissions are paid from real retail subscription revenue, not from enrollment fees
  • The eligibility gate (Section 1 above) โ€” including periodic re-verification โ€” ensures every affiliate is themselves an active customer of the product

Income Disclosure Statement (IDS). Per FTC best practice following the 2016 Herbalife consent decree, fibo.club publishes annual statistics on affiliate earnings:

  • Median annual referral income across all active affiliates
  • Distribution of affiliates by earnings band ($0, $1โ€“100, $100โ€“1k, $1kโ€“10k, $10k+)
  • Median monthly active subscriber count per active affiliate
  • Percentage of affiliates earning $0 in any given calendar month

The IDS is presented in the affiliate's enrollment flow, on the public affiliate page, and is updated annually within 90 days of fiscal year end.

State considerations. Some U.S. states maintain securities, money-transmission, and virtual-currency requirements that exceed federal law:

  • New York โ€” BitLicense regime for virtual-currency business activity; NY Department of Financial Services oversight
  • California โ€” Digital Financial Assets Law (DFAL) effective July 2026 for digital asset business activity in the state
  • Texas โ€” Texas Department of Banking regulates virtual currency under the Texas Money Services Act
  • Florida โ€” Office of Financial Regulation; FL Attorney General actively pursues consumer protection cases in the MLM/affiliate space
  • Massachusetts โ€” Securities Division and Attorney General apply state-specific securities and consumer-protection rules
  • Illinois โ€” Illinois Money Transmitter Act; Department of Financial and Professional Regulation
  • Louisiana โ€” Virtual Currency Businesses Act, Office of Financial Institutions oversight
  • Washington โ€” Department of Financial Institutions enforces money transmission and virtual currency rules

Stripe Crypto's licensing covers state-level money transmission across all 50 states. Participants should consult their own tax and legal advisors regarding state-specific requirements applicable to them.

8. International regulatory considerations

For non-U.S. affiliates, the following non-exhaustive list of foreign regulators may apply depending on residency:

  • European Union โ€” Markets in Crypto-Assets Regulation (MiCA) creates Crypto-Asset Service Provider (CASP) categories and stablecoin-issuer obligations. fibo.club does not issue any crypto asset; USDC is issued by Circle, which holds the required CASP and e-money token authorizations. Payments to EU-resident affiliates flow through Stripe's EU-licensed entities.
  • United Kingdom โ€” Financial Conduct Authority (FCA) Financial Promotions Regime applies to communications inviting or inducing investment activity. fibo.club does not target UK consumers with regulated investment advertising.
  • Singapore โ€” Monetary Authority of Singapore (MAS) Payment Services Act and Digital Payment Token rules apply to digital asset services. Singapore-resident affiliates receive USDC through Stripe's Singapore-licensed payment processors.
  • Canada โ€” Provincial securities commissions and FINTRAC (Financial Transactions and Reports Analysis Centre of Canada) govern virtual currency business activity. Canadian-resident affiliates are accepted subject to provincial restrictions.
  • Other jurisdictions โ€” Australia (AUSTRAC, ASIC), Japan (FSA), South Korea (FSC), Hong Kong (SFC), and others maintain their own rules; participation by residents of these jurisdictions is conditioned on Stripe's geographic coverage and the affiliate's own confirmation that participation does not violate local law.

Participants are responsible for compliance with their own local laws.

9. Implementation methodology

The compliance posture above is enforced by automated systems, not promises. The implementation is end-to-end:

Enrollment flow (one-time, at affiliate signup):

  • Subscriber signs up for the $25/week signal service via Stripe Billing
  • If the subscriber elects to also enroll as an affiliate, they are routed to Stripe Connect Express onboarding
  • Stripe Connect collects identity verification, residency proof, tax form (W-9 for U.S., W-8BEN for non-U.S.), and bank or self-custody wallet address
  • OFAC and equivalent sanctions screening runs automatically; rejected enrollments cannot proceed
  • Affiliate must then complete the active-use eligibility gate (Section 1) before referral commissions begin accruing

Commission calculation (weekly):

  • Each successful $25 subscription payment is logged in Stripe with associated affiliate metadata (referrer chain)
  • Allocation rules defined in the open-source Avalanche smart contract (50% weekly Roll-Up, eligibility gates, 4-week auto-pay reserve, 50-level walk cap) compute each eligible affiliate's accrued commission
  • Commission entries are written to Stripe Connect's ledger as pending Transfer objects, queryable via Stripe Sigma at any time

Payout pipeline (per affiliate, on schedule or on demand):

  • Stripe Crypto converts the affiliate's USD-denominated balance to USDC
  • Bridge executes the on-chain transfer of USDC on the Tempo blockchain to the affiliate's wallet address
  • The affiliate receives the USDC in their self-custody wallet (or Privy-hosted wallet) within seconds; Base Camp Industries LLC never holds the digital asset
  • The on-chain transaction hash is recorded against the Stripe ledger entry for audit purposes

Tax reporting (year-end and on-demand):

  • Stripe Tax automatically generates Form 1099-NEC for any U.S. affiliate earning $600 or more in a calendar year
  • Form 1099-DA is generated for digital-asset payouts in accordance with IRS rules effective tax year 2025 onward
  • Both forms are filed with the IRS and delivered to the affiliate by January 31 of the following year, via Stripe's automated tax pipeline
  • Non-U.S. affiliates with W-8BEN on file receive treatment per applicable tax treaties; no 1099 is issued where treaty exemption applies

Audit trail and recordkeeping:

  • Every subscription payment, commission accrual, payout, KYC event, sanctions check, and tax form is logged in Stripe's immutable transaction history
  • Records are retained for the periods required by IRS (7 years), FinCEN (5 years), and applicable state regulators
  • Audit access is available via Stripe Dashboard and Sigma queryable interface; can be exported to regulators on request within 24 hours
  • The on-chain transaction record on Tempo provides a supplementary publicly verifiable settlement log; the primary system of record is Stripe's ledger

Smart contract governance & change management:

  • The Avalanche compensation contract is governed by a 3-of-5 multisig controlled by Base Camp Industries LLC officers and an independent technical custodian
  • Material amendments (commission rates, qualification thresholds, payout cadence) require 30 days' advance notice to active affiliates via dashboard banner and email
  • The contract includes an off-chain operator override for regulatory directives, sanctions enforcement, and fraud-related freezes; override actions are logged and publicly disclosed within 7 days
  • Critical security patches may be deployed via emergency-pause + redeploy, with retroactive notice within 24 hours
  • Affiliates whose participation is terminated by regulatory action retain all already-accrued commissions to the extent permitted by the relevant authority

Affiliate-facing transparency:

  • Affiliates can view their full commission ledger, pending balance, completed payouts, KYC status, and tax-form copies from their dashboard at any time
  • All disclosures required by Section 10 below are presented at the moment of affiliate enrollment and re-confirmed on substantive changes to the program

10. Marketing obligations, indemnification, and risk acknowledgment

Affiliates who promote fibo.club in public channels โ€” social media, video, email lists, paid advertising, blogs, podcasts โ€” must:

  • Clearly disclose the affiliate relationship under the FTC Endorsement Guides (16 CFR Part 255, as amended 2023) and equivalent jurisdictional rules. "#ad" or "I am an affiliate of fibo.club" placed near the recommendation is the minimum standard, not the ceiling
  • Make no representations of guaranteed income, returns, or trading outcomes. Earnings depend on individual effort and retention of personally referred subscribers; most participants in consumer referral programs earn little or nothing โ€” see the Income Disclosure Statement in Section 7
  • Prohibited imagery and framing: no lifestyle promotion implying program-derived wealth (luxury cars, mansions, exotic travel, large cash displays, "passive income" framing). The FTC has aggressively pursued such "lifestyle marketing" claims as deceptive under 15 U.S.C. ยง 45 even when accompanied by disclaimers
  • Refrain from misrepresenting the service, the compensation plan, or the regulatory posture described on this page
  • Comply with applicable consumer-protection and advertising rules in their own jurisdiction
  • Submit paid-media advertising materials (any campaign with $500 or more in spend, or any video/podcast intended for an audience of 1,000+) for pre-approval by fibo.club before publication; organic posts are subject to periodic spot-check

Indemnification. By enrolling as an affiliate, participants agree to indemnify, defend, and hold harmless Base Camp Industries LLC and its officers, directors, employees, agents, and affiliates from and against any claim, loss, damage, liability, judgment, fine, penalty, settlement, or expense (including reasonable attorneys' fees) arising from the participant's own violation of these requirements, applicable law in their jurisdiction, or any misrepresentation of the program in their promotional materials. This indemnification obligation survives termination of the affiliate's participation in the InfiniteAffiliate program.

Risk acknowledgment. Trading carries risk of partial or total loss of capital. Signal accuracy is not guaranteed. Regulatory environments for digital-asset payouts evolve and fibo.club may modify the program with notice. By enrolling, participants acknowledge these risks and agree to consult their own tax, legal, and financial advisors before making participation decisions.

Program subject to change or termination. Base Camp Industries LLC reserves the right to modify, suspend, or terminate the InfiniteAffiliate program โ€” in whole or with respect to any participant, instrument, jurisdiction, or payout rail โ€” at its sole discretion, with reasonable advance notice (typically 30 days for compensation-plan changes, immediately for changes required by law or regulator directive). Already-accrued, vested, claimable commissions are honored to the extent permitted by applicable law and the smart contract's then-current state at the time of modification.

Violations of any of the requirements above may result in suspension or termination of affiliate status, forfeiture of unpaid commissions, clawback of paid commissions where permitted by law, and reporting to applicable authorities.

11. Governing law, severability, and dispute resolution

Governing law. The InfiniteAffiliate program, including these requirements and any participation agreement entered into by an affiliate, is governed by the laws of the State of Delaware, U.S.A., without regard to its conflict-of-laws principles. Where a participant's home jurisdiction asserts mandatory consumer-protection or financial-services law that cannot be waived by contract, those mandatory provisions apply to the extent required by that jurisdiction.

Severability. If any provision of these requirements is held invalid or unenforceable by a court of competent jurisdiction, the remaining provisions remain in full force and effect, and the invalid provision is to be replaced with a valid provision that most closely approximates the original economic intent.

Dispute resolution. Any dispute, controversy, or claim arising out of or relating to participation in the InfiniteAffiliate program โ€” including its formation, performance, breach, termination, or interpretation โ€” shall be resolved by binding individual arbitration administered by JAMS under its Streamlined Arbitration Rules, in Wilmington, Delaware, in English. Class actions, class arbitrations, and consolidated proceedings are waived to the maximum extent permitted by applicable law. Either party may seek injunctive or equitable relief in a court of competent jurisdiction to protect intellectual property, confidential information, or to compel compliance with the indemnification or sanctions-screening provisions of these requirements.

Jurisdictional carve-outs. Where mandatory law of the participant's home jurisdiction prohibits arbitration of consumer disputes or requires a specific forum (e.g., certain EU member states under MiCA, Quebec under the Civil Code), those mandatory rules govern to the extent required.

Nothing on this page is legal, tax, or investment advice. Signals are educational and informational only. Past performance does not guarantee future results. Base Camp Industries LLC reserves the right to suspend or terminate any affiliate enrollment at its sole discretion. Draft v5.3 โ€” June 1, 2026 โ€” prepared for legal review. Drops USDT inbound rail in response to evolving U.S. stablecoin regulation under the GENIUS Act; multi-rail payment infrastructure is now (inbound: fiat + USDC; outbound: USDC + BTC + ETH + SOL).