FinWell is rolling out a refreshed plan ladder, multiple earning modes, and global crypto acceptance—designed for investors and network-builders who want both steady payouts and elite community privileges.

Below is a comprehensive, section-by-section guide.

The Macro Picture: Digital-Estate Infrastructure Is Booming

“Digital estate” (owning and leasing cloud infrastructure capacity) is rapidly becoming a mainstream asset class. Enterprise demand for storage and compute is compounding, and global institutions are expanding exposure to digital infrastructure.

FinWell positions you directly in this growth wave—with plans that translate capacity demand into investor payouts and builder earnings.

How FinWell Pays (at a glance)

FinWell’s total value outflow is capped at 15% of plan value, structured as:

• Client ROI (monthly, by plan): up to 12.5%
• 5-Level Referral (monthly network earnings): 1.5% total
• Level 1: 0.60%
• Level 2: 0.40%
• Level 3: 0.25%
• Level 4: 0.15%
• Level 5: 0.10%
• One-Time Direct Referral Bonus (activation): 0.7% (Level 1 only)
• Earnify™ Rewards (points): 0.3% pool equivalent

Together: 12.5% + 1.5% + 0.7% + 0.3% = 15% max

(Target referral is one-time; others are recurring as stated.)

Payments: Crypto-Native, Global On-Ramp

We accept major cryptocurrencies (BTC, ETH, leading stablecoins, and more) plus standard rails where available—so members can participate globally with low friction. Wallet-to-wallet transparency, fast settlement, and elegant onboarding. (Compliance/KYC as per jurisdiction and plan tier.)

The Plan Ladder (names & identity)

FinWell’s plan names evolve from clean, geometric tiers into premium, global tiers:

• Core — $99
• Cube — $299
• Grid — $599
• Node — $1,199
• Orbit — $2,499
• Vault — $3,999
• Matrix — $5,999
• Sphere — $11,999 (flagship)

Each tier carries a monthly ROI for clients plus network earnings (referrals, direct bonuses, and Earnify points).

Client ROI by Plan (monthly payouts)

• Core ($99): ~$5 (≈ 5.05%)
• Cube ($299): ~$15 (≈ 5.02%)
• Grid ($599): ~$40 (≈ 6.68%)
• Node ($1,199): ~$90 (≈ 7.51%)
• Orbit ($2,499): ~$200 (≈ 8.00%)
• Vault ($3,999): ~$400 (≈ 10.00%)
• Matrix ($5,999): ~$700 (≈ 11.67%)
• Sphere ($11,999): ~$1,500 (≈ 12.50%)

Builder Mode 1: Monthly Referral Earnings (5 Levels)

When people in your network hold active plans, you receive a monthly earning on their plan value—not deducted from their ROI.

Distribution per level:

• L1 0.60%, L2 0.40%, L3 0.25%, L4 0.15%, L5 0.10% (Total 1.5%)

Examples (L1 direct referrals):

• Core $99 → $0.59/month
• Matrix $5,999 → $35.99/month
• Sphere $11,999 → $71.99/month

(For L2–L5, apply their respective percentages to the same plan value.)

Builder Mode 2: One-Time Direct Referral Bonus (at Activation)

When a plan is activated in your network, you (as the direct referrer) receive a one-time bonus.

• Level 1 only (no payouts to uplines).
• Payout: 0.7% of plan value (optionally adjustable to 0.5%).

Examples (one-time at activation):

• Core $99 → $0.70
• Matrix $5,999 → $41.99
• Sphere $11,999 → $83.99

Builder Mode 3: Earnify™ Points (loyalty, capped at 0.3%)

Earnify is your always-on loyalty layer—a small but steady edge that compounds with activity.

• Allocation: up to 0.3% of plan value (points equivalent)
• Eligibility: only qualified investment/top-up/renewal flows count (no P2P/self-transfers)
• Windows: monthly accrual, quarterly redemption (anti-abuse)
• Guards: minimum qualifying amount, cooldowns, daily caps, anomaly checks

Redeem Ladder: How Points Convert

Level 1

• Transaction Slab: $25,000
• Reward Points: 1,000 pts
• Conversion: 1,000 pts = $1
• Redeem Value: $1

Level 2

• Transaction Slab: $50,000
• Reward Points: 2,500 pts
• Conversion: 800 pts = $2
• Redeem Value: $6.25

Level 3

• Transaction Slab: $100,000
• Reward Points: 5,000 pts
• Conversion: 600 pts = $5
• Redeem Value: $41.7

Level 4

• Transaction Slab: $250,000
• Reward Points: 10,000 pts
• Conversion: 400 pts = $10
• Redeem Value: $125

Level 5

• Transaction Slab: $500,000
• Reward Points: 25,000 pts
• Conversion: 200 pts = $20
• Redeem Value: $1,500

Translation: At lower levels, points barely redeem, but as investors climb, conversions get stronger. The system feels more rewarding for top builders while remaining capped under 0.3% for FinWell’s sustainability.

Per-Plan Deep Dives (client + builder views)

1) Core — $99

Client: ultra-low entry into digital estate.

Builder: ideal for onboarding at scale.

• ROI: ~$5/mo
• Monthly referral (L1): ~$0.59
• One-time direct: ~$0.70
• Earnify: minimal

2) Cube — $299

Client: foundation tier for consistent monthly flow.

Builder: converts quickly, ideal for first upgrades.

• ROI: ~$15/mo
• Monthly referral (L1): ~$1.79
• One-time direct: ~$2.09

3) Grid — $599

Client: attractive ROI % jump.

Builder: best for those ready to scale.

• ROI: ~$40/mo
• Monthly referral (L1): ~$3.59
• One-time direct: ~$4.19

4) Node — $1,199

Client: disciplined mid-tier.

Builder: strong for small teams.

• ROI: ~$90/mo
• Monthly referral (L1): ~$7.19
• One-time direct: ~$8.39

5) Orbit — $2,499

Client: executive mid-tier.

Builder: step into leadership.

• ROI: ~$200/mo
• Monthly referral (L1): ~$14.99
• One-time direct: ~$17.49

6) Vault — $3,999

Client: balance of scale + security.

Builder: popular anchor plan.

• ROI: ~$400/mo
• Monthly referral (L1): ~$23.99
• One-time direct: ~$27.99

7) Matrix — $5,999

Client: premium ROI percentage.

Builder: advanced tier for active professionals.

• ROI: ~$700/mo
• Monthly referral (L1): ~$35.99
• One-time direct: ~$41.99

8) Sphere — $11,999 (Flagship)

Client: highest ROI within the cap.

Builder: for top leaders managing national teams.

• ROI: ~$1,500/mo
• Monthly referral (L1): ~$71.99
• One-time direct: ~$83.99

Example Scenarios (clear and realistic)

Scenario A: You refer 3 Sphere plans (all L1).

• Client ROI to each: ~$1,500/mo (goes to them).
• Your L1 monthly earnings: 3 × $71.99 ≈ $215.97/mo.
• Your one-time direct referral: 3 × $83.99 = $251.97.
• Plus Earnify points on your own qualified moves.

Scenario B: One of your L1s refers a Sphere plan (your L2).

• Your L2 monthly: (0.40% × $11,999) ≈ $47.99/mo.
• No one-time bonus (since one-time applies only to L1).

Community, Privileges & Events

FinWell isn’t just numbers—it’s a status network:

• Exclusive gifts for rank milestones
• International trips for top performers
• Private leadership meets and curated mastermind dinners
• Priority invites when ecosystem partners unveil new capacity blocks
• Media-ready brand kits to help leaders scale their communities

Industry Gravity

Global institutions increasingly commit to digital infrastructure. As this category matures, the direction of travel is clear: big capital is moving in. FinWell’s community gains an early-mover edge—participating as the wave builds rather than after it peaks.

Safeguards, Transparency, and Terms

• Anti-abuse for Earnify Points: only qualified investment/top-up/renewal transactions earn;self-transfers don’t. Minimum thresholds, daily caps, cooldowns, anomaly checks.
• Plan ROI represents FinWell’s payout schedule within our capacity-leasing model; not investment advice. Availability and percentages may vary by jurisdiction and plan batch; read the official Terms.
• KYC/AML may apply by region and size. Crypto acceptance subject to network conditions and compliance policies.
• 15% cap enforced across program layers exactly as defined above.

Thes Invitation

Create your community. Mentor smart earners. Travel with leaders. Build a portfolio in a category where the world is heading—digital estate.

FinWell is opening the next cycle with Core → Sphere tiers, crypto-ready rails, and a complete earning architecture for clients and builders.

If you’ve been waiting for a system that’s clear, premium, and built for scale—this is it.

Join the brief. Attend the mails. Start your climb.