Program Rules

• P1
  Access costs a flat $99 fee (the Live subscription) a month.Same for everyone, regardless of capital. It is paid from the investor's pocket, not from the trading account.
• P2
  Profits stay invested.All of each year's trading profit is reinvested at year end, so capital compounds at the full algorithm rate.
• P3
  The algorithm return is an assumption, not a promise.The model uses 30% a year. Every figure below scales with the real result.

• N1
  You are paid on three levels below you.Level 1 are people you referred. Level 2 are the people they referred. Level 3 are the people those referred. Fee share comes from all three levels; profit share only from levels 1 and 2. Nothing beyond level 3 pays you.
• N2
  Each member can sign up at most 10 people directly.The cap applies to everyone at every level. A completely full network is 10 + 100 + 1,000 = 1,110 people.
• N3
  Past your tenth recruit, growth comes from below.Once your 10 direct slots are full, the only way to increase income is to help your people fill their own slots.
• N4
  Empty levels pay the platform.If a subscriber has no one at level 2 or 3 above them (for example, they were recruited directly by the company), that level's share stays with the platform. It is never re-allocated to other levels.

• F1
  Up to half of every fee goes to the three referrers above the payer.Default split is 25% / 15% / 10% to levels 1 / 2 / 3. The three numbers can be anything that adds up to 50% or less.
• F2
  Paid monthly, as the fee comes in.This gives the referrer a share of fees. It is earned only for months the subscriber actually pays. Nothing is accrued or held back.
• F3
  Fee share is never clawed back.Once paid it belongs to the referrer, even if they or the subscriber later leave.

• S1
  The share is calculated on realised profit, once a year.Profit means the growth of the investor's account over that year. In a losing year nothing accrues.
• S2
  The rate falls the longer the investor stays.Year 1: a profit share of 30%. Year 2: a profit share of 25%. Year 3: a profit share of 20%. Loyalty is rewarded with a bigger keep.
• S3
  Nothing is paid out until the end of year 3.Each year's share is recorded as an accrual against the investor and in favour of their referrers. The accruals are settled in one payment at the end of year 3.
• S4
  Accruals only count for investors who are active at that year end.A referrer accrues nothing for a downline investor who had already left before the year closed.
• S5
  The accrued share is a debt the investor settles from pocket.The trading account is never touched; the investor pays the accrued amount in cash at settlement, or on exit if they leave early. (The calculator has a switch to deduct it from the account instead.)
• S6
  Level 3 receives no profit share.Of the three slices the investor gives up, levels 1 and 2 go to referrers and the third (5%, then 4.2%, then 3.3%) is the platform's own income. Level-3 referrers earn the monthly fee share only.
• S7
  On the broker route, the broker collects the performance fee.The broker takes the fee of 30% of profit from the investor’s account, stepping, on the partner plan, to 25% and 20% on the account’s anniversaries (the performance plan stays at 30%), and passes it to the platform’s introducing-broker account. The profit share is worked out from what the broker collected, not from an estimate.
• S8
  The same schedule, said as shares of the fee.The published 15 / 10 / 5 of 30 is the same thing as one half, one third and one sixth of the collected fee: the level-1 referrer receives half of what the broker collected, the level-2 referrer a third, and the platform the rest.

• I0
  The minimum ticket is $10,000.Below that the fixed fee eats the return, and it is also the threshold for earning profit share from people you refer.
• I1
  You pay the $99 fee (the Live subscription) a month from pocket for as long as you are subscribed.Fees are not deducted from your trading account and are not refundable.
• I2
  Your account compounds at the full algorithm rate.All profit is reinvested at each year end. Nothing is withdrawn from the account for fees or shares during the three years.
• I3
  You owe a share of each year's profit: 30%, then 25%, then 20%.It is recorded yearly and settled (credits first; cash payouts come later, section 17) at the end of year 3. In a losing year you owe nothing for that year.
• I4
  You can leave at any time and your account is yours.On exit you settle the share accrued up to the last completed year end. Fees already paid are not returned. There is no other penalty.
• I5
  The fixed fee means small accounts lose money.At 30% gross return, you need roughly $4,000 of capital to break even over three years. Below that, the fees exceed what you keep.
• I6
  The broker route: the account is in your own name at the broker.You open it, pass the broker’s identity checks, deposit USDT and name our master. CAT never holds your money; it sees the account through the broker’s own reports.
• I7
  There are two plans.The performance plan has a fee of 30% of profit, you can leave at any time, and there is no clock. The partner plan has a fee of 30% in year 1, 25% in year 2 and 20% in year 3, runs on your partner clock, and lets you share in the fee collected on the capital placed under you.
• I8
  The plan is final.Once chosen for an account it cannot be switched.
• I9
  You may hold several accounts.Each can follow a different champion, and all of them are on the same plan.
• I10
  The minimum ticket is counted per member.Your accounts are added together and the total is compared with the ticket. You have left when the total is below the ticket for more than 30 days, or when you declare an exit.
• I11
  After three years a new clock needs a new enrolment.When your clock settles, that cycle is over: the accounts stop counting in the programme. To continue, you enrol again and open a new broker account, which starts the schedule over at 30%.

• R1
  To earn from other people’s fees, you must be paying the $99 fee (the Live subscription) yourself.Fee share is paid only for months in which your own subscription is paid. Stop paying and the fee share stops the same month, after a thirty-day grace period (section 17).
• R1b
  To earn from other people’s profits, you must have invested the minimum ticket yourself.Profit share accrues only while your own capital in the algorithm is at or above $10,000. Anyone referring without investing earns fee share at most.
• R2
  You may sign up at most 10 people directly.Your network can still reach 1,110 people through levels 2 and 3.
• R3
  Fee share arrives monthly and is yours to keep.25% / 15% / 10% of each $99 fee (the Live subscription) paid by your level 1 / 2 / 3, for every month they pay.
• R4
  Profit share accrues yearly on your level 1 and level 2, and is paid once, at the end of year 3.Level 3 brings you fee share only. You can see the accrual growing, but no cash moves until the settlement date.
• R5
  Leave before the end of year 3 and you forfeit the entire accrued profit share.You keep every fee payment already received. The accrual is gone, with no partial vesting.
• R6
  Forfeited accruals go to the referrers who stayed.The platform does not keep them. Forfeits are pooled per settlement quarter and shared among the members who settle in that quarter, in proportion to their own accrual, so staying is rewarded with a bonus on top of your own share.
• R7
  You accrue nothing for a downline investor who left before the year end.The investor still settles what they owe on exit, and that money stays in the pool for stayers.

Who earns what

You can only earn from others what you are paying or risking yourself. Shares that an ineligible referrer would have received stay with the platform; they are not passed up or down the line.

• L1
  Uplines keep what accrued on the leaver.Everything accrued on the leaver’s capital up to the exit stays with the referrers above them.
• L2
  The leaver forfeits what accrued on other people.Whatever the leaver had accrued on the capital of others is given up.
• L3
  Stayers share the forfeits.Forfeited amounts are shared among the members who reach their settlement date in the same quarter, as section 8 describes.

• C1
  Never more than 50% of fee revenue is shared.The three level percentages must add up to 50% or less. The platform keeps at least $50 of every $100.
• C2
  The profit share never exceeds 30% of any year's profit.The level percentages must add up to 30% or less in each year. The default schedule is 30 / 25 / 20.
• C3
  The referrer pool is conserved.Everything accrued for levels 1 and 2 is paid to a referrer at the end of year 3. Forfeits move money between referrers; they never increase or reduce the total.
• C4
  The platform's profit income is the third slice plus any unfilled slices.The platform always keeps the slice level 3 would have had. If a subscriber has no level-1 or level-2 referrer, those slices stay with the platform too, as do the fee shares for any missing level.
• C5
  Profit share is paid on realised, reported profit only.Each investor's year-end account statement is the basis. Unrealised or projected gains do not accrue.
• C7
  Eligibility is checked before every payment.Fee share is paid only to referrers whose own fee is paid that month. Profit share is accrued only for referrers whose own capital is at or above the minimum ticket at that year end. Ineligible shares are retained by the platform.
• C6
  The platform is the counterparty for the lump sum.It must collect accruals from investors (at settlement or on exit) before paying referrers at the end of year 3. Collection risk sits with the platform, not the referrer.

One investor with $10,000 for three years at 30%, with all three referrer levels filled. Churn ignored for clarity.

The level-3 referrer earns the $360 of fee share only; the third profit slice ($482 over three years) is the platform's. Referrer totals assume they stay through year 3. Leave earlier and only the fee row is kept. Multiply by the number of people at each level of your network for your own figures, or enter your network in the referrer calculator on the Referrer tab.

Example A: investor only

About $63,500 of capital averages $1,500 a month of net growth over three years. The growth is in the account, not in hand: with everything reinvested the investor pays $1,200 a year from pocket and settles $19,545 of profit share at the end of year 3. To take $1,500 a month in cash from year 1 instead (profit withdrawn, nothing reinvested), it takes about $91,500, because 30% minus the 30% share minus fees leaves $18,000. The investor calculator on the Investor tab gives both figures for any target: enter the target per month and it reports the capital needed each way and the gap to your own.

Example B: referrer, a share of fees only

Fee share is the only stream paid monthly. $1,500 a month needs $1,500 of fee share, and a referrer caps out at 10 direct recruits ($250 a month), so the rest must come from levels 2 and 3.

A network of 110 to 130 people pays $1,500 a month in fee share at the start. Churn erodes it to about $1,350 a month averaged over three years unless the network is topped up. The referrer must be paying their own $100 fee to receive any of it.

Example C: referrer, fees plus the year-3 profit share

Counting the profit share lump sum paid at the end of year 3, a much smaller network reaches $1,500 a month averaged over the cycle. The referrer must have $10,000 or more invested to earn it.

Seven direct recruits who each bring three, who each bring two (70 people at $10,000 each) clears $1,500 a month averaged; this is the 3-year row of the target solver on the Referrer tab with the target set to $1,500 per month. The cash arrives as roughly $800 a month in fees plus a $31,000 lump sum at the end of year 3, and only if the referrer stays all three years. Profit share here is from levels 1 and 2 only; level 3 contributes fees.

Example D: both at once, the typical member

A member who invests the $10,000 minimum ticket and builds the 70-person network from Example C:

The referral side is worth about ten times the investing side at the minimum ticket. Nearly half of the total arrives in one payment at the end of year 3, so the member has to stay the course to see it.

Step 1: what one subscriber is worth to the platform

About $700 per subscriber per year, four fifths of it from the fee. The profit slice grows each year because the account compounds, even though the percentage falls. Every subscriber also generates about $1,230 a year for the referrers above them, more than the platform itself keeps.

Step 2: how many subscribers $10 million needs

Roughly 14,000 to 15,000 paying investors with $140M to $150M of capital (the platform calculator on the $10M case tab recomputes this for any target). In network terms that is 13 fully built networks of 1,110, or about 200 referrers who each built the 70-person network from section 12, or about 280 with the 50-person network from section 11.

Step 3: a build plan, 5,000 new investors a year

Nobody signs up 14,000 people on day one. If the referral network brings in 5,000 investors at the start of each year, the platform crosses $10 million in year 3.

15,000 investors recruited, $150M raised, $224M under management at the end of year 3. 5,000 a year means, for example, 100 referrers each completing a 50-person network, or 71 each completing a 70-person network, every year. If recruiting continues at 5,000 a year and each cohort stays for a full three-year cycle, income settles at about $10.1M a year.

The platform’s obligations in that year 3: fee share of $8.05M paid monthly as it comes in, plus the first lump sum, $10.4M accrued by the year-1 cohort, due to its referrers at the end of year 3. That money must have been collected from the investors first (rule C6).

Step 4: where every dollar goes in that year 3

Of every dollar investors pay in, the platform keeps about 35 cents and referrers receive about 65 cents. The investors themselves earned $51.6M of trading profit that year and kept $39.1M of it in their accounts. Each $10,000 investor who stays the full cycle ends the cycle with $5,481 more than they put in, in the example, after all costs (section 7).

Levers if 14,000 investors is too many

Each lever cuts what referrers earn, which slows recruiting. The build plan above assumes the referral network does all the selling, which is why the platform shares 65% of the money.

Stream 1: what the investor’s own $10,000 earns

The account grows to $21,970. After settling $2,889 of upline share at the end of year 3 and $3,600 of fees, the investor is $5,481 better off, about 15.7% a year on their own money.

Stream 2: profit share from the other investors’ capital

Profit share is paid on levels 1 and 2 only: 5 + 15 = 20 people with $200,000 between them, twenty times the investor’s own ticket. Each year they are still active, a profit share of 15% (level 1) or 10% (level 2) of their profit accrues to the investor, scaled down to 12.5 / 8.3% in year 2 and 10 / 6.7% in year 3.

The accrual grows every year even though the percentage falls, because the members’ accounts compound. Stayers also collect the share forfeited by referrers who left (1 ÷ 0.846). The result is one payment of $22,168 at the end of year 3: four times the $5,481 the investor’s own capital produced, and more than double the account’s entire gross trading profit of $11,970.

Stream 3: fee share from all 50 members, paid monthly

Month 1 pays $650 (5 × $25 + 15 × $15 + 30 × $10); churn thins it to about $550 a month by year 3. Over three years the fees alone, $20,932, cover the investor’s own fees nearly six times over and are almost four times their own net gain.

Putting it together: $10,000 in, $48,581 out

The investor ends with $21,970 in the account plus $43,100 in cash from the network, having paid in $6,489 of fees and share along the way. Nearly nine tenths of the gain comes from other people’s capital and subscriptions, not from the $10,000. Conditions: the $10,000 must stay invested (minimum ticket) for the profit share, the $100 fee must be paid every month for the fee share, and leaving before the end of year 3 forfeits the whole $22,168.

The same investor with a bigger network

The own-capital column never changes: it is fixed by the $10,000 ticket. Everything else scales with the network. With ten direct referrals who each bring three, who each bring two, the network returns $86,200 against $5,481 from the investor’s own money. Enter these shapes in the referrer calculator on the Referrer tab; the Investor + network tab then shows the three streams year by year.

Shared settings, left column (apply to every tab)

These are the program rules of sections 2, 4 and 5. Change them to test a different fee, return or share schedule; the tabs recalculate at once.

Referrer tab: referrer calculator

The tab answers: your year-1 income and the three-year cash with the lump sum at year 3, what you keep if you leave early, income by level, and the target solver in two forms. The year-1 solver counts fee share plus the share accrued in year 1. The 3-year solver averages fees plus the profit share actually paid at the end of year 3 (with redistributed forfeits), which is the right basis for a monthly target: it is where the $1,500-a-month answers of section 12 come from.

Investor tab: investor calculator

The tab answers: account after three years, net gain after fees and share, income per month averaged, net return per year, break-even capital, and the capital needed for your target three ways: profits reinvested and averaged over the cycle, cash taken from year 1 with nothing reinvested, and break-even. Each row shows the gap between that capital and yours. Example A of section 12 ($63,500 for $1,500 a month) is this calculator at the defaults. This tab is you as an investor only; referral income is on the Referrer and Investor + network tabs.

Investor + network tab

No inputs of its own. It takes the referrer calculator’s own capital and network shape and shows the three streams of section 14 side by side: your own account, profit share on levels 1 and 2 (with the capital behind it), and fee share on all three levels, then the total, the multiple of your own gain and a table of bigger networks. Eligibility from the Referrer tab applies.

Platform tab and $10M case tab: platform calculator

The Platform tab shows the cohort of the referrer calculator’s network from the platform’s side: gross fees, what is paid out, what is kept, the profit pool collected and the platform’s own slice (rules C1 to C7). The $10M case tab is section 13 live: what one subscriber is worth by year of membership, subscribers and capital needed on three bases, the year-by-year build plan, where every dollar goes in year 3, and the levers.

Why head count alone cannot get there

With $10,000 members even the largest network allowed earns $497,167 in a cycle. Fees are a head-count business and head count is capped. The profit share is a capital business, and capital is not. A level-1 member who deposits $10,000 and stays three years is worth $900 in fees and $1,445 in profit share to their referrer; the same member depositing $100,000 is worth $900 in fees and $14,445 in profit share.

Lever 1: deposit size. Three-year income by network and average deposit

Income is fee share over three years plus the profit share paid at the end of year 3, for a referrer who stays and holds the minimum ticket. Three ways to $1 million: a full network of 1,110 averaging $55,000; 160 people (10 direct, 5, 2) averaging $150,000; or just 100 people (10 direct, 3, 2) averaging $250,000. In the 100-person case the referrer’s levels 1 and 2 are 40 investors holding $10 million between them, and $1.1 million of the $1.15 million is the year-3 payment. Every $10,000 added to the average deposit adds $44,337 (100-person network) or $113,305 (full network) to that payment.

Lever 2: retention. The same network, different staying power

Full network of 1,110 members averaging $55,000. Profit share accrues only on members still active at each year end, and the referrer’s own accrual is paid only if the referrer is still subscribed at the end of year 3.

Every member who leaves takes their deposit out of your accrual: no churn is worth $82,000 more accrual and $45,000 more fees than the default. The redistribution of forfeits softens the paid figure, but it is money from other referrers’ failure, not something to plan on. Your own retention is the big one: leaving after year 2 keeps $258,380 and forfeits $623,178. Nearly two thirds of the $1 million is paid on a single day, to referrers who are still there.

The referrer playbook

• 1
  Recruit depositors, not subscribers.A $10,000 member is worth $2,345 to you over three years; a $100,000 member $15,345. Ten large investors at level 1 beat a hundred small ones at level 3.
• 2
  Fill levels 1 and 2 first.Only those two levels carry profit share. Level 3 pays $360 per member over three years and nothing from profits.
• 3
  Bring everyone in early.The accrual needs three year ends. A member recruited in year 3 contributes one year’s share and one year’s fees in this cycle.
• 4
  Keep your members invested, because their accounts compound.On the default share schedule and an assumed return of 30% a year, a member’s year-3 profit is about 1.7 times their year-1 profit, so the later years carry more of your share even at a lower percentage. Below an assumed 22.5% a year that is no longer so.
• 5
  Keep paying your fee and keep your ticket invested.Fee share stops the month you stop paying; profit share stops accruing if your capital drops below the minimum ticket (rules R1, R1b).
• 6
  Stay to the settlement date.The year-3 payment is the majority of the money in every route above and is paid only to referrers still subscribed (rule R5).

For the investor: $1 million from capital alone

About $1.1 million reinvested, or $1.49 million if the profit is drawn every year. Investor calculator: capital $1,105,000, target $333,333 per year. An investor with less can close the gap by referring: $565,000 of own capital plus a full network of $10,000 members also reaches $1 million (own gain $508,314 plus $491,686 from the network), and so does $571,000 plus 100 members averaging $100,000.

• 1
  The fee is the Live subscription.What this programme calls the fee is the Live subscription you already pay; there is no separate charge.
• 2
  Your invite link places people who enrol under you.Anyone who joins through your link and enrols as a partner is placed under you. When your level 1 is full, the next person is placed under the member of yours who has the fewest.
• 3
  Your three-year clock starts the day you enrol.The three years are counted from your own enrolment date, not from the calendar year.
• 4
  Thirty days of grace on a missed payment.If a payment is missed you have thirty days to put it right. After that you have left, and the share you had accrued is forfeited.
• 5
  Coming back starts a new clock.If you return after leaving, a new three-year clock starts and nothing from the earlier one carries over.
• 6
  Your capital stays in your own account at the broker, never with CAT.The account is in your own name at a regulated broker. CAT never holds your money, and Small Money is only the catalogue of champions.
• 7
  Fee share goes to your own subscription first.Fee share is credited to your own subscription first. Cash payouts come later and need identity and tax details.
• 8
  The broker’s rate changes are made by an admin.At each anniversary of the account an admin changes the fee rate in the broker’s system; CAT prompts for it in advance.
• 9
  The daily reading is the figure of record.Once a day the broker’s own reading of each account is taken. The trade feed gives an estimate in between, and the next reading replaces it.
• 10
  The month-end fee rows are the key; CAT’s expectation is the check.The fee rows the broker reports for each account decide what is recorded. CAT’s own expectation from the closed trades is compared with them, and any gap is looked at by an admin.
• 11
  The month ends on its last trading day.That is its last calendar day, or the Friday before when the last day falls on a weekend.

These are the rules as they apply to a member of the site. The figures in the earlier sections are examples built from the assumptions you enter, not forecasts.