Internal / Under-the-Hood Reference   ·   Not for public distribution
Flip 360 Commission Platform
  The Handshake Commission Engine

Under the hood: how the money moves.

Every referral, every consent, every dollar. From the moment one professional refers another, through Sally's consent capture, into the chain-anchor, through the commission calculation, GST split, payout batch, and RCTI. Seven steps. Three rules. One audit trail.

  Rule 1 · Court-defensible   Rule 2 · Money proven   Rule 3 · Evidence pack
Section 1

The seven-step event flow

Every commission-eligible interaction on Flip360 passes through these seven steps in order. Each step writes one or more auditable rows to D1. Any step failing → the chain is broken and no payout is issued. Every step has an acceptance criterion below.

1

Referral originated

  PSP → PSP (professional service provider chain)
Artefact: referral_events row · UTM stack captured · short URL /c/:code minted
Acceptance criterion: Origin PSP is a paid-up member (contact_type=PARTNER, membership_status=ACTIVE). Destination PSP is a paid-up member. Both signatures anchored to device_keys.
Rule 1
2

Consent captured

  Sally (member of the public) → Flip360 consent surface
Artefact: consent_events row · HMAC-SHA256 signature · Rule 4 evidence pack
Acceptance criterion: Sally-shaped consent language ("I agree to be referred to a Flip360 provider"). Consent token 15-minute TTL. IP + UA hash retained for 7 years per Privacy Act 1988.
Rule 1
3

Referral chain anchored

  Cloudflare Worker → D1 chain table
Artefact: chain_entries row · SHA-256 hash of prior row · height increments
Acceptance criterion: Chain is append-only. Each row hashes the prior row + this row. Break anywhere → visible at /chain/test. See migration 0005 (four-handshake referral chain).
Rule 3
4

Commission calculated

  commission engine (see src/commission-engine)
Artefact: commission_events row · fee_amount + take_rate + net_to_psp
Acceptance criterion: Take rate = 1% baseline + 14% CM-vertical (postcode-exclusive, per Mr Punter’s design intent) = 15% total. Baseline applies to all referrals; CM slice applies only within the CM’s exclusive postcode territory.
Rule 2
5

GST split

  commission engine → ledger
Artefact: ledger_entries × 3 rows · gross + GST + net
Acceptance criterion: GST 10% per A New Tax System (Goods and Services Tax) Act 1999 (GSTR 2000/10). Flip360 accounts for GST as the platform intermediary. Each row balances: gross = net + GST.
Rule 2
6

Payout batched

  nightly payout scheduler → ABA file
Artefact: payout_batches row · ABA file SHA-256 anchor · per-PSP payout_lines
Acceptance criterion: ABA file conforms to Australian Bankers’ Association Cash Management format. Each batch file’s SHA-256 written to payout_batches.aba_sha256 BEFORE submission. Verifiable post-hoc.
Rule 2
7

RCTI issued

  Flip360 → PSP recipient
Artefact: RCTI PDF · rcti_documents row · JCS + SHA-256 fingerprint
Acceptance criterion: Recipient-Created Tax Invoice per GSTR 2000/10 §17. JCS (JSON Canonicalisation Scheme, RFC 8785) applied before hashing so the same logical payment always produces the same fingerprint regardless of key order.
Rule 3
Section 2

The Rule 1 / Rule 2 / Rule 3 evidence chain

Three rules govern every commission on Flip360. They are the load-bearing walls of court-defensibility for investors, regulators, and — if it ever comes to it — a barrister running discovery.

Rule 1   Court-defensible data

Every count published on the platform is anchored to a named regulator or labelled FWD (forward-looking).

  • AU: TPB, ASIC AFSL, MFAA, REIA, LawSociety, ABS Cat 8165, IPA/CPA/CA ANZ
  • NZ: FMA (9,197), REA (15,460), NZLS (17,504), IAA (1,316), DIA Charities (29,208), Stats NZ (5,324,700), CA ANZ, RBNZ
  • Modelled numbers wear an amber FWD pill until sourced
  • No number without a citation. No citation without a live URL.

Rule 2   Money proven

Every dollar that moves is provable end-to-end from event to bank file.

  • GST 10% per GSTR 2000/10 (ATO Public Ruling)
  • RCTI issued per GSTR 2000/10 §17 for recipient-created tax invoices
  • ABA file SHA-256 anchored in payout_batches BEFORE bank submission
  • Every ledger entry balances: gross = net + GST, always

Rule 3   Evidence pack

Every artefact has a deterministic fingerprint that survives serialisation.

  • JCS (JSON Canonicalisation Scheme, RFC 8785) applied before hashing
  • SHA-256 fingerprint written for every RCTI, consent event, chain row
  • Chain rows hash their prior row → break-anywhere detection
  • Available via /chain/test for post-hoc verification
Section 3

Ledger inspector

Paste a commission_event_id, ledger_entry_id, or payout_batch_id below and see the full downstream audit trail. Read-only. Uses the same D1 tables the commission engine writes to.

  Inspector
Awaiting input…

  If the D1 schema is not yet applied on this environment, the inspector returns a scaffold notice. That does not mean the engine is broken — it means the migrations haven’t landed. See /crm/status/live for the current schema state.

Section 4

How the money moves — worked example

Illustrative single-referral maths, using an RRP of $200.00 (the median PSP-to-PSP referral fee in referral-fee-rrp.ts).

The take

Referral fee (RRP)
$200.00
What the destination PSP charges Sally for the work.
Baseline platform take (1%)
$2.00
Applies to every referral. Funds platform ops.
CM-vertical slice (14%)
$28.00
Applies only within the CM’s exclusive postcode territory. Mr Punter’s postcode-exclusive design intent.
Total platform take (15%)
$30.00
1% + 14% = 15%. Applied per referral.
GST on the take
$3.00
10% per GSTR 2000/10. Flip360 accounts for GST as the platform intermediary.
Destination PSP net
$170.00
$200.00 − $30.00 platform take = $170.00.

The 80/20 Foundation split

Of the platform’s $30.00 take per referral, 80% flows into the Flip360 Foundation (community-earnings redistribution per Mr Punter’s design intent), and 20% funds platform operations.

Foundation slice (80%)
$24.00
Community-earnings redistribution. Feeds back into member communities.
Platform ops slice (20%)
$6.00
Engineering, compliance, GST/RCTI processing, backups.

Annual PSP membership fee

Separate from per-referral take: every professional service provider on Flip360 pays an annual membership fee of $1,500.00 at enrolment. This is the CM’s recruitment target — sign a PSP, earn commission from the membership fee. Handled via the 8-step onboarding wizard.

  Source of truth: src/data/referral-fee-rrp.ts (RRP_TABLE, D-SEQ-05 shared data source). GST rate + take rate are constants in src/commission-engine. Nothing here is hardcoded twice.

Related surfaces: CRM hub · Investor brief · Chain verifier · Schema status

Flip360 · Under the Hood

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