Gov/en/Portal:Economy/Main - Revision history

AI-Admin-Assistant: Category cleanup: remove Category:Migration June 2026 (founder order 2026-09-03)

2026-09-03T17:17:52Z

Category cleanup: remove Category:Migration June 2026 (founder order 2026-09-03)

← Older revision		Revision as of 19:17, 3 September 2026
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	''See also: [[Gov/en/Portal:R&D/Research:Why-And-How-It-Can-Work\|Why and How WikiDeal Can Work]]''		''See also: [[Gov/en/Portal:R&D/Research:Why-And-How-It-Can-Work\|Why and How WikiDeal Can Work]]''

	~~[[Category:Migration June 2026]]~~

AI-Admin-Assistant: Add Funding Glossary to portal pages

2026-08-11T06:38:26Z

Add Funding Glossary to portal pages

← Older revision		Revision as of 08:38, 11 August 2026
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	<span id="portal-pages"></span>		<span id="portal-pages"></span>
	== Pages in this portal ==		== Pages in this portal ==
			* [[Gov/en/Portal:Economy/Funding-Glossary\|Funding Glossary]]
	* [[Gov/en/Portal:Economy/Why-Fund-WikiDeal\|Why Fund WikiDeal]]		* [[Gov/en/Portal:Economy/Why-Fund-WikiDeal\|Why Fund WikiDeal]]
	* [[Gov/en/Portal:Economy/Financing-Development\|Financing Development]]		* [[Gov/en/Portal:Economy/Financing-Development\|Financing Development]]

AI-Admin-Assistant: Shorten intros per Theo's 20s rule

2026-08-09T00:54:44Z

Shorten intros per Theo's 20s rule

← Older revision		Revision as of 02:54, 9 August 2026
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	{{KidsIntro\|The economy is how money moves on the platform. Small commissions on deals help pay for the tools and services everyone shares, keeping the whole community running fairly.}}		{{KidsIntro\|The economy is how money moves on the platform. Small commissions on deals help pay for the tools and services everyone shares, keeping the whole community running fairly.}}
	{{ExpertIntro\|WikiDeal's economy aims at financial autonomy, without depending on governmental ~~or parapublic~~ aid, while ~~encouraging~~ partnerships ~~and support (donations, specific projects)~~ as long as the project ~~remains~~ user-owned. Funding ~~rests~~ on two ~~main~~ sources: user subscriptions (~~the general subscription, starting at~~ CHF 1 ~~per~~ month, ~~giving~~ access ~~to the platform and its models of contract, not to the transactions~~) and ~~commissions on each transaction,~~ at ~~real~~ cost~~, by nature generally lower than those of today's dominant platforms~~, with full ~~public~~ transparency and surplus returned to the community.}}		{{ExpertIntro\|WikiDeal's economy aims at financial autonomy without depending on governmental aid, while welcoming donations and partnerships as long as the project stays user-owned. Funding would rest on two sources: user subscriptions (from CHF 1/month, for platform access) and at-cost transaction commissions, with full transparency and surplus returned to the community.}}
	__TOC__		__TOC__

AI-Admin-Assistant: Rename Open Call to Open Calls; remove reputation credits (Theo 2026-08-03)

2026-08-03T19:48:59Z

Rename Open Call to Open Calls; remove reputation credits (Theo 2026-08-03)

← Older revision		Revision as of 21:48, 3 August 2026
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	Every WikiDeal transaction carries a '''double commission''': one part goes to the [[Gov/en/Portal:R&D/Innovations:User Groups\|User Group]] operating the service, and one part goes to the WikiDeal platform itself. These two layers are distinct and transparent.		Every WikiDeal transaction carries a '''double commission''': one part goes to the [[Gov/en/Portal:R&D/Innovations:User Groups\|User Group]] operating the service, and one part goes to the WikiDeal platform itself. These two layers are distinct and transparent.

	The total combined commission (User Group + WikiDeal platform) must be '''between 5% and 15%''' of the transaction value. Justified exceptions are possible in both directions: a lower rate may apply for civic or non-profit contexts, a higher rate may apply for complex or high-risk services, but any exception must be documented and approved through the [[Gov/en/Portal:R&D/Open-~~Call~~:Main\|Open Call]] process.		The total combined commission (User Group + WikiDeal platform) must be '''between 5% and 15%''' of the transaction value. Justified exceptions are possible in both directions: a lower rate may apply for civic or non-profit contexts, a higher rate may apply for complex or high-risk services, but any exception must be documented and approved through the [[Gov/en/Portal:R&D/Open-Calls:Main\|Open Call]] process.

	'''Example breakdown (10% total commission):'''		'''Example breakdown (10% total commission):'''
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	What counts is simple: commissions should be lower, attractive, and above all transparent. Users should know where the money goes, and everything should be public.		What counts is simple: commissions should be lower, attractive, and above all transparent. Users should know where the money goes, and everything should be public.

	The exact commission is determined by the [[Gov/en/Portal:R&D/Innovations:User Groups\|User Group]] operating each service vertical. For instance, a babysitting User Group in Geneva may set commissions at 8%, while a tutoring group in Nairobi may set them at 6% based on local infrastructure costs. The floor is set by actual transaction processing costs (payment processing, dispute resolution, platform maintenance), and the ceiling is bounded by the WikiDeal community standard, which can be reviewed through the [[Gov/en/Portal:R&D/Open-~~Call~~:Main\|Open Call]] process. These are '''trends, not guarantees''': the exact reduction depends on each vertical and its specific conditions.		The exact commission is determined by the [[Gov/en/Portal:R&D/Innovations:User Groups\|User Group]] operating each service vertical. For instance, a babysitting User Group in Geneva may set commissions at 8%, while a tutoring group in Nairobi may set them at 6% based on local infrastructure costs. The floor is set by actual transaction processing costs (payment processing, dispute resolution, platform maintenance), and the ceiling is bounded by the WikiDeal community standard, which can be reviewed through the [[Gov/en/Portal:R&D/Open-Calls:Main\|Open Call]] process. These are '''trends, not guarantees''': the exact reduction depends on each vertical and its specific conditions.

	Transparency is non-negotiable. Every Commission charged is broken down publicly: what portion goes to payment processing, what to server costs, what to legal compliance, what to the Open ~~Call~~ process, and what (if any) remains as buffer. If the buffer exceeds a defined threshold, the excess is automatically distributed back to the community through the standard Reward mechanism. There is no profit centre within WikiDeal's Commission structure.		Transparency is non-negotiable. Every Commission charged is broken down publicly: what portion goes to payment processing, what to server costs, what to legal compliance, what to the Open Calls process, and what (if any) remains as buffer. If the buffer exceeds a defined threshold, the excess is automatically distributed back to the community through the standard Reward mechanism. There is no profit centre within WikiDeal's Commission structure.

	<span id="surplus-return"></span>		<span id="surplus-return"></span>

Creativesoul4ever: users instead of "more" in participativity

2026-07-27T17:59:25Z

users instead of "more" in participativity

← Older revision		Revision as of 19:59, 27 July 2026
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	# '''Two main funding sources.''' The financing of the platform is covered by [[Gov/en/Portal:Economy/Monthly-Subscriptions\|user subscriptions]] (the general subscription) and [[Gov/en/Portal:Economy/Commissions\|commissions on each transaction]].		# '''Two main funding sources.''' The financing of the platform is covered by [[Gov/en/Portal:Economy/Monthly-Subscriptions\|user subscriptions]] (the general subscription) and [[Gov/en/Portal:Economy/Commissions\|commissions on each transaction]].
	# '''The fundamental rule: at real cost.''' Commissions must be at real cost. Real costs include a share of volunteering and semi-volunteering (volunteering rewarded with [[Gov/en/Portal:Economy/Karma-Tokens\|Karma tokens]], that is, exchange rights), notably for assistance. By nature, this makes commissions generally lower than the commissions observed on the leading platforms currently dominating their domains.		# '''The fundamental rule: at real cost.''' Commissions must be at real cost. Real costs include a share of volunteering and semi-volunteering (volunteering rewarded with [[Gov/en/Portal:Economy/Karma-Tokens\|Karma tokens]], that is, exchange rights), notably for assistance. By nature, this makes commissions generally lower than the commissions observed on the leading platforms currently dominating their domains.
	# '''The bet.''' Lower commissions, more flexibility, ~~more~~ participativity: that is the bet WikiDeal takes.		# '''The bet.''' Lower commissions, more flexibility, users participativity: that is the bet WikiDeal takes.
	# '''Radical transparency.''' Everyone should know where the money goes: accounts are public, every commission is broken down publicly, and any surplus is returned to the community (see [[#surplus-return\|Surplus Return]]).		# '''Radical transparency.''' Everyone should know where the money goes: accounts are public, every commission is broken down publicly, and any surplus is returned to the community (see [[#surplus-return\|Surplus Return]]).

AI-Admin-Assistant: Update links to merged Rewards page

2026-07-25T13:18:33Z

Update links to merged Rewards page

← Older revision		Revision as of 15:18, 25 July 2026
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	* [[Gov/en/Portal:Economy/Revenue-Structure\|Revenue Structure]]		* [[Gov/en/Portal:Economy/Revenue-Structure\|Revenue Structure]]
	* [[Gov/en/Portal:Economy/Subscription-Distribution\|Subscription Distribution]]		* [[Gov/en/Portal:Economy/Subscription-Distribution\|Subscription Distribution]]
	* [[Gov/en/Portal:Economy/Rewards~~-Explained~~\|Rewards ~~Explained~~]]		* [[Gov/en/Portal:Economy/Rewards\|Rewards]]
	* [[Gov/en/Portal:Economy/Karma-Token-Market\|Karma Token Market]]		* [[Gov/en/Portal:Economy/Karma-Token-Market\|Karma Token Market]]
	* [[Gov/en/Portal:Economy/Civic-Flex-Pricing\|Civic Flex Pricing]]		* [[Gov/en/Portal:Economy/Civic-Flex-Pricing\|Civic Flex Pricing]]

AI-Admin-Assistant: Be specific: general user subscription gives access to platform + models of contract; commissions on each transaction (Theo audio 2026-07-17 16:52)

2026-07-17T16:54:42Z

Be specific: general user subscription gives access to platform + models of contract; commissions on each transaction (Theo audio 2026-07-17 16:52)

← Older revision		Revision as of 18:54, 17 July 2026
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	{{KidsIntro\|The economy is how money moves on the platform. Small commissions on deals help pay for the tools and services everyone shares, keeping the whole community running fairly.}}		{{KidsIntro\|The economy is how money moves on the platform. Small commissions on deals help pay for the tools and services everyone shares, keeping the whole community running fairly.}}
	{{ExpertIntro\|WikiDeal's economy aims at financial autonomy, without depending on governmental or parapublic aid, while encouraging partnerships and support (donations, specific projects) as long as the project remains user-owned. Funding rests on two main sources: subscriptions (starting at CHF 1 per month, access to the platform, not to transactions) and commissions at real cost, by nature generally lower than those of today's dominant platforms, with full public transparency and surplus returned to the community.}}		{{ExpertIntro\|WikiDeal's economy aims at financial autonomy, without depending on governmental or parapublic aid, while encouraging partnerships and support (donations, specific projects) as long as the project remains user-owned. Funding rests on two main sources: user subscriptions (the general subscription, starting at CHF 1 per month, giving access to the platform and its models of contract, not to the transactions) and commissions on each transaction, at real cost, by nature generally lower than those of today's dominant platforms, with full public transparency and surplus returned to the community.}}
	__TOC__		__TOC__

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	# '''Financial autonomy as a goal.''' The economy of WikiDeal aims at being financially autonomous and at not depending on governmental or parapublic aid. WikiDeal encourages partnerships and support, and seeks support especially at the beginning, in the form of Donations or specific projects, as long as it remains a project owned by its users: a [https://en.wikipedia.org/wiki/Citizen_science citizen-based] research and development programme.		# '''Financial autonomy as a goal.''' The economy of WikiDeal aims at being financially autonomous and at not depending on governmental or parapublic aid. WikiDeal encourages partnerships and support, and seeks support especially at the beginning, in the form of Donations or specific projects, as long as it remains a project owned by its users: a [https://en.wikipedia.org/wiki/Citizen_science citizen-based] research and development programme.
	# '''Two main funding sources.''' The financing of the platform is covered by [[Gov/en/Portal:Economy/Monthly-Subscriptions\|subscriptions]] and [[Gov/en/Portal:Economy/Commissions\|commissions]].		# '''Two main funding sources.''' The financing of the platform is covered by [[Gov/en/Portal:Economy/Monthly-Subscriptions\|user subscriptions]] (the general subscription) and [[Gov/en/Portal:Economy/Commissions\|commissions on each transaction]].
	# '''The fundamental rule: at real cost.''' Commissions must be at real cost. Real costs include a share of volunteering and semi-volunteering (volunteering rewarded with [[Gov/en/Portal:Economy/Karma-Tokens\|Karma tokens]], that is, exchange rights), notably for assistance. By nature, this makes commissions generally lower than the commissions observed on the leading platforms currently dominating their domains.		# '''The fundamental rule: at real cost.''' Commissions must be at real cost. Real costs include a share of volunteering and semi-volunteering (volunteering rewarded with [[Gov/en/Portal:Economy/Karma-Tokens\|Karma tokens]], that is, exchange rights), notably for assistance. By nature, this makes commissions generally lower than the commissions observed on the leading platforms currently dominating their domains.
	# '''The bet.''' Lower commissions, more flexibility, more participativity: that is the bet WikiDeal takes.		# '''The bet.''' Lower commissions, more flexibility, more participativity: that is the bet WikiDeal takes.
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	== Subscription ==		== Subscription ==

	The subscription starts at '''1 Swiss franc per month''', approximately 1 euro or 1 US dollar, and the intention is to keep this cost low. ~~The~~ subscription gives access to the use of the platform, but not to the transactions themselves. For details, see [[Gov/en/Portal:Economy/Monthly-Subscriptions\|Monthly Subscriptions]].		The subscription starts at '''1 Swiss franc per month''', approximately 1 euro or 1 US dollar, and the intention is to keep this cost low. This general user subscription gives access to the use of the platform and to its models of contract (the contract templates users need to make deals), but not to the transactions themselves. For details, see [[Gov/en/Portal:Economy/Monthly-Subscriptions\|Monthly Subscriptions]].

	<span id="commissions"></span>		<span id="commissions"></span>

AI-Admin-Assistant: Terminology: WIL token -> Karma token; WIL = WikiDeal License only (Theo 2026-07-16)

2026-07-16T21:51:26Z

Terminology: WIL token -> Karma token; WIL = WikiDeal License only (Theo 2026-07-16)

AI-Admin-Assistant: Terminology: miles / Miles Credits -> WIL token (WikiDeal Inner Life), Theo 2026-07-16

2026-07-16T19:44:15Z

Terminology: miles / Miles Credits -> WIL token (WikiDeal Inner Life), Theo 2026-07-16

AI-Admin-Assistant: Restructure per Theo audio 2026-07-09: 5 fundamentals synthesis (financial autonomy, 2 funding sources, at-real-cost rule, the bet, transparency), Subscription section (CHF 1), commission split incl. provider share, Uber take-rate references, La Mobiliere example for surplus return, ExpertIntro + TOC + anchors, em-dashes removed

2026-07-09T17:04:15Z

Restructure per Theo audio 2026-07-09: 5 fundamentals synthesis (financial autonomy, 2 funding sources, at-real-cost rule, the bet, transparency), Subscription section (CHF 1), commission split incl. provider share, Uber take-rate references, La Mobiliere example for surplus return, ExpertIntro + TOC + anchors, em-dashes removed

Show changes

← Older revision		Revision as of 15:18, 25 July 2026
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	* [[Gov/en/Portal:Economy/Revenue-Structure\|Revenue Structure]]		* [[Gov/en/Portal:Economy/Revenue-Structure\|Revenue Structure]]
	* [[Gov/en/Portal:Economy/Subscription-Distribution\|Subscription Distribution]]		* [[Gov/en/Portal:Economy/Subscription-Distribution\|Subscription Distribution]]
	* [[Gov/en/Portal:Economy/Rewards~~-Explained~~\|Rewards ~~Explained~~]]		* [[Gov/en/Portal:Economy/Rewards\|Rewards]]
	* [[Gov/en/Portal:Economy/Karma-Token-Market\|Karma Token Market]]		* [[Gov/en/Portal:Economy/Karma-Token-Market\|Karma Token Market]]
	* [[Gov/en/Portal:Economy/Civic-Flex-Pricing\|Civic Flex Pricing]]		* [[Gov/en/Portal:Economy/Civic-Flex-Pricing\|Civic Flex Pricing]]

← Older revision		Revision as of 23:51, 16 July 2026
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	# '''Financial autonomy as a goal.''' The economy of WikiDeal aims at being financially autonomous and at not depending on governmental or parapublic aid. WikiDeal encourages partnerships and support, and seeks support especially at the beginning, in the form of Donations or specific projects, as long as it remains a project owned by its users: a [https://en.wikipedia.org/wiki/Citizen_science citizen-based] research and development programme.		# '''Financial autonomy as a goal.''' The economy of WikiDeal aims at being financially autonomous and at not depending on governmental or parapublic aid. WikiDeal encourages partnerships and support, and seeks support especially at the beginning, in the form of Donations or specific projects, as long as it remains a project owned by its users: a [https://en.wikipedia.org/wiki/Citizen_science citizen-based] research and development programme.
	# '''Two main funding sources.''' The financing of the platform is covered by [[Gov/en/Portal:Economy/Monthly-Subscriptions\|subscriptions]] and [[Gov/en/Portal:Economy/Commissions\|commissions]].		# '''Two main funding sources.''' The financing of the platform is covered by [[Gov/en/Portal:Economy/Monthly-Subscriptions\|subscriptions]] and [[Gov/en/Portal:Economy/Commissions\|commissions]].
	# '''The fundamental rule: at real cost.''' Commissions must be at real cost. Real costs include a share of volunteering and semi-volunteering (volunteering rewarded with [[Gov/en/Portal:Economy/~~WIL~~-Tokens\|~~WIL~~ tokens]], that is, exchange rights), notably for assistance. By nature, this makes commissions generally lower than the commissions observed on the leading platforms currently dominating their domains.		# '''The fundamental rule: at real cost.''' Commissions must be at real cost. Real costs include a share of volunteering and semi-volunteering (volunteering rewarded with [[Gov/en/Portal:Economy/Karma-Tokens\|Karma tokens]], that is, exchange rights), notably for assistance. By nature, this makes commissions generally lower than the commissions observed on the leading platforms currently dominating their domains.
	# '''The bet.''' Lower commissions, more flexibility, more participativity: that is the bet WikiDeal takes.		# '''The bet.''' Lower commissions, more flexibility, more participativity: that is the bet WikiDeal takes.
	# '''Radical transparency.''' Everyone should know where the money goes: accounts are public, every commission is broken down publicly, and any surplus is returned to the community (see [[#surplus-return\|Surplus Return]]).		# '''Radical transparency.''' Everyone should know where the money goes: accounts are public, every commission is broken down publicly, and any surplus is returned to the community (see [[#surplus-return\|Surplus Return]]).
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	* WikiDeal platform: ~2-3% (covers infrastructure, legal frameworks, open-source maintenance)		* WikiDeal platform: ~2-3% (covers infrastructure, legal frameworks, open-source maintenance)

	''These figures are initial working hypotheses. What is certain is the fundamental principle: at real cost, with real costs based on a mix that includes volunteering and semi-volunteering rewarded with ~~WIL~~ tokens, notably for assistance.''		''These figures are initial working hypotheses. What is certain is the fundamental principle: at real cost, with real costs based on a mix that includes volunteering and semi-volunteering rewarded with Karma tokens, notably for assistance.''

	The subscription fee is billed ''on top of'' the commission, not deducted from it.		The subscription fee is billed ''on top of'' the commission, not deducted from it.
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	=== Surplus Return ===		=== Surplus Return ===

	When Commission income exceeds verified operating costs, the surplus is returned to the community. This is not a discretionary policy decision: it is a structural rule embedded in the WikiDeal model. The surplus return mechanism operates quarterly: the foundation publishes audited cost accounts, the difference between income and costs is calculated, and the surplus is distributed through the community pool (~~WIL~~ tokens and subsidized access).		When Commission income exceeds verified operating costs, the surplus is returned to the community. This is not a discretionary policy decision: it is a structural rule embedded in the WikiDeal model. The surplus return mechanism operates quarterly: the foundation publishes audited cost accounts, the difference between income and costs is calculated, and the surplus is distributed through the community pool (Karma tokens and subsidized access).

	This logic already exists elsewhere: [https://www.mobiliere.ch/ La Mobilière] (mobi.ch), a Swiss insurance group anchored in a cooperative, has been returning part of its surplus to its clients for years, in many domains, and does it very well.		This logic already exists elsewhere: [https://www.mobiliere.ch/ La Mobilière] (mobi.ch), a Swiss insurance group anchored in a cooperative, has been returning part of its surplus to its clients for years, in many domains, and does it very well.
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	* [[Gov/en/Portal:Economy/Subscription-Distribution\|Subscription Distribution]]		* [[Gov/en/Portal:Economy/Subscription-Distribution\|Subscription Distribution]]
	* [[Gov/en/Portal:Economy/Rewards-Explained\|Rewards Explained]]		* [[Gov/en/Portal:Economy/Rewards-Explained\|Rewards Explained]]
	* [[Gov/en/Portal:Economy/~~WIL~~-Token-Market\|~~WIL~~ Token Market]]		* [[Gov/en/Portal:Economy/Karma-Token-Market\|Karma Token Market]]
	* [[Gov/en/Portal:Economy/Civic-Flex-Pricing\|Civic Flex Pricing]]		* [[Gov/en/Portal:Economy/Civic-Flex-Pricing\|Civic Flex Pricing]]

← Older revision		Revision as of 21:44, 16 July 2026
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	# '''Financial autonomy as a goal.''' The economy of WikiDeal aims at being financially autonomous and at not depending on governmental or parapublic aid. WikiDeal encourages partnerships and support, and seeks support especially at the beginning, in the form of Donations or specific projects, as long as it remains a project owned by its users: a [https://en.wikipedia.org/wiki/Citizen_science citizen-based] research and development programme.		# '''Financial autonomy as a goal.''' The economy of WikiDeal aims at being financially autonomous and at not depending on governmental or parapublic aid. WikiDeal encourages partnerships and support, and seeks support especially at the beginning, in the form of Donations or specific projects, as long as it remains a project owned by its users: a [https://en.wikipedia.org/wiki/Citizen_science citizen-based] research and development programme.
	# '''Two main funding sources.''' The financing of the platform is covered by [[Gov/en/Portal:Economy/Monthly-Subscriptions\|subscriptions]] and [[Gov/en/Portal:Economy/Commissions\|commissions]].		# '''Two main funding sources.''' The financing of the platform is covered by [[Gov/en/Portal:Economy/Monthly-Subscriptions\|subscriptions]] and [[Gov/en/Portal:Economy/Commissions\|commissions]].
	# '''The fundamental rule: at real cost.''' Commissions must be at real cost. Real costs include a share of volunteering and semi-volunteering (volunteering rewarded with [[Gov/en/Portal:Economy/~~Miles~~-~~Credits~~\|~~Miles Credits~~]], that is, exchange rights), notably for assistance. By nature, this makes commissions generally lower than the commissions observed on the leading platforms currently dominating their domains.		# '''The fundamental rule: at real cost.''' Commissions must be at real cost. Real costs include a share of volunteering and semi-volunteering (volunteering rewarded with [[Gov/en/Portal:Economy/WIL-Tokens\|WIL tokens]], that is, exchange rights), notably for assistance. By nature, this makes commissions generally lower than the commissions observed on the leading platforms currently dominating their domains.
	# '''The bet.''' Lower commissions, more flexibility, more participativity: that is the bet WikiDeal takes.		# '''The bet.''' Lower commissions, more flexibility, more participativity: that is the bet WikiDeal takes.
	# '''Radical transparency.''' Everyone should know where the money goes: accounts are public, every commission is broken down publicly, and any surplus is returned to the community (see [[#surplus-return\|Surplus Return]]).		# '''Radical transparency.''' Everyone should know where the money goes: accounts are public, every commission is broken down publicly, and any surplus is returned to the community (see [[#surplus-return\|Surplus Return]]).
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	* WikiDeal platform: ~2-3% (covers infrastructure, legal frameworks, open-source maintenance)		* WikiDeal platform: ~2-3% (covers infrastructure, legal frameworks, open-source maintenance)

	''These figures are initial working hypotheses. What is certain is the fundamental principle: at real cost, with real costs based on a mix that includes volunteering and semi-volunteering rewarded with ~~Miles Credits~~, notably for assistance.''		''These figures are initial working hypotheses. What is certain is the fundamental principle: at real cost, with real costs based on a mix that includes volunteering and semi-volunteering rewarded with WIL tokens, notably for assistance.''

	The subscription fee is billed ''on top of'' the commission, not deducted from it.		The subscription fee is billed ''on top of'' the commission, not deducted from it.
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	=== Surplus Return ===		=== Surplus Return ===

	When Commission income exceeds verified operating costs, the surplus is returned to the community. This is not a discretionary policy decision: it is a structural rule embedded in the WikiDeal model. The surplus return mechanism operates quarterly: the foundation publishes audited cost accounts, the difference between income and costs is calculated, and the surplus is distributed through the community pool (~~Miles Credits~~ and subsidized access).		When Commission income exceeds verified operating costs, the surplus is returned to the community. This is not a discretionary policy decision: it is a structural rule embedded in the WikiDeal model. The surplus return mechanism operates quarterly: the foundation publishes audited cost accounts, the difference between income and costs is calculated, and the surplus is distributed through the community pool (WIL tokens and subsidized access).

	This logic already exists elsewhere: [https://www.mobiliere.ch/ La Mobilière] (mobi.ch), a Swiss insurance group anchored in a cooperative, has been returning part of its surplus to its clients for years, in many domains, and does it very well.		This logic already exists elsewhere: [https://www.mobiliere.ch/ La Mobilière] (mobi.ch), a Swiss insurance group anchored in a cooperative, has been returning part of its surplus to its clients for years, in many domains, and does it very well.
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	* [[Gov/en/Portal:Economy/Subscription-Distribution\|Subscription Distribution]]		* [[Gov/en/Portal:Economy/Subscription-Distribution\|Subscription Distribution]]
	* [[Gov/en/Portal:Economy/Rewards-Explained\|Rewards Explained]]		* [[Gov/en/Portal:Economy/Rewards-Explained\|Rewards Explained]]
	* [[Gov/en/Portal:Economy/~~Miles~~-Market\|~~Miles~~ Market]]		* [[Gov/en/Portal:Economy/WIL-Token-Market\|WIL Token Market]]
	* [[Gov/en/Portal:Economy/Civic-Flex-Pricing\|Civic Flex Pricing]]		* [[Gov/en/Portal:Economy/Civic-Flex-Pricing\|Civic Flex Pricing]]