01
Request
A receiver describes the activity, amount, expected sales and settlement date.
The Kopano agreement
A clear path from capital to fair settlement.
The terms are agreed before funding. Every important event is recorded, and both parties can see how the final result is calculated.
02
Review and fund
A provider reviews the purpose, trust profile and agreed risk before contributing capital.
03
Report honestly
The receiver submits revenue, direct costs and supporting evidence as the activity progresses.
04
Verify
A community elder reviews evidence, records concerns and verifies eligible reports.
05
Calculate
The fairness engine deducts costs, labour allowance and taxes from gross revenue.
06
Share or protect
Positive growth is shared. Loss follows agreed bands with reserve support for qualifying hardship.
True net growth
G = R − C − W − T
Revenue minus direct costs, fair labour allowance and unavoidable taxes or regulatory charges.No hidden arithmetic.
When G is positive, the agreed growth share is applied. When G is zero, no growth reward is created. When G is negative, the system applies the disclosed loss-sharing and reserve rules. Members can review the calculation before settlement.
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