AURUM is not a fixed return system. It's a market-performance based ecosystem that maintains sustainability through 6 core engines.
1
STEP 1
Unit Creation
On deposit, the system issues units based on current AURUM. Formula: Unit = Deposit / AURUM.
Unit = $1,200 ÷ $1.20 = 1,000 units
2
STEP 2
Daily Equity Snapshot
Equity snapshot at 00:00 UTC every day to avoid realtime chaos and timing exploits.
AURUM = Total Equity / Total Units
3
STEP 3
Profit Distribution (Hybrid v2)
Distributable profit (only above HWM) is split: 60% member growth, 20% reserve (incl. loyalty), 10% affiliate pool, 10% company. Below HWM = Recovery Mode → 100% goes to recovery; no affiliate or company allocation.
4
STEP 4
Reserve & Loyalty Shield
The 20% reserve is split per loyalty_reserve_pct between drawdown shield and loyalty pool. Shield absorbs DD first; loyalty pool pays qualifiers monthly and is never touched by drawdown.
5
STEP 5
Weighted Growth & HWM Gate
Effective Weight = Unit × Loyalty Weight × Growth Boost (cap 1.15×). New profit distributes only after NAV exceeds the previous High-Water Mark.
6
STEP 6
Withdrawal Engine
Principal lock 14–30 days, settlement T+1/T+2, queue-based for liquidity stability.
Common Terms Explained
Unit
Your share of ownership in the pool. Like a stock share.
Unit Price (NAV)
Today's value of one unit. Up = profit, down = loss.
Drawdown
Temporary dip from the peak. Normal in any market.
HWM (High-Water Mark)
Highest unit price ever reached. Prevents double-counting profit.