HOLD: Powering the Fintopio Platform

What is HOLD?

HOLD is the core utility crypto token of Fintopio, a Web3 wallet built initially as a Mini App on Telegram. HOLD serves as the backbone of the Fintopio platform – driving user engagement, incentivizing activities, and rewarding users for their participation. 

Through HOLD, users can join Fintopio’s referral program, earn points via farming, and unlock exclusive benefits and rewards. 

What are HOLD Points (HP)?

HOLD Points (HP) are a key component for the launch of the HOLD platform. HP are points that users earn through various activities within the Fintopio app, such as farming and participating in referral programs. 

Once the HOLD token is launched, HP will be used to harvest HOLD tokens. The more HP a user accumulates, the more HOLD tokens they can receive.

Example: Imagine HP as tickets at an arcade. The more games you play and tickets you earn, the bigger the prize you can get. Similarly, the more HP you farm and harvest, the higher the number of HOLD tokens you can receive when they become available.

Getting access to HOLD is easy and available to everyone, whether you're an existing Fintopio user, joining through a referral, or a newcomer. Simply follow these steps to earn HOLD Points (HP) and enjoy the benefits of the Fintopio ecosystem.

Existing Fintopio Users

• Eligibility: All Fintopio users who had accounts before June 19, 2024, automatically have access to HOLD.
• Core Benefits Include:
  - Invitations: Receive 10 invites to share with others.
  - Farming: Ability to start farming HOLD Points (HP) immediately.
• Restrictions: Existing users must note that they cannot join any existing referral structures but can initiate their own referral programs.

Example: Sarah has been using Fintopio since May 2024. She automatically gets access to HOLD and receives 10 invites to share with her friends. She can also start farming HP immediately. Although she can't join an existing referral structure, she can always begin her own referral program and invite new users to join Fintopio through her invites.

Joining Through a Referral Link

• How It Works: You can only access HOLD through this method if you receive a referral link to Fintopio from an existing user. Clicking on a referral link directs the user to the HOLD page within the Mini App.
• Benefits:
  - Referral Program: Access to the HOLD referral program with 10 referral links.
  - Farming: Ability to start farming HP.

Example: John receives a referral link from a friend and clicks it. He can now participate in the referral program and start farming HP immediately, without creating a Fintopio wallet or connecting an existing one.

New Wallet Users

• Access Method: New users wishing to start HP farming will have to open their Telegram app, search for the verified Fintopio Mini App through the search panel or Telegram App Center, and launch it. Users can then navigate to the HOLD icon to start farming.
• Benefits:
  - Invitations: Receive 10 invites to share with others.
  - Farming: Ability to start farming HP. 

Example: Lisa is a Telegram user who just found the verified Fintopio Mini App. Once she launches it, she can access HP farming by simply clicking the Start Farming icon.

Farming is a way to earn HP by being active in the Fintopio app. HP are points that will be used to harvest HOLD tokens once they are launched. The more HP you farm and harvest, the higher the number of HOLD tokens you will receive when the token goes live.

• Farming Cycle: Each farming cycle lasts for 7 hours.
• Reward: Users earn 50 HP for each completed farming cycle.
• Consistency: The farming reward is fixed and does not vary with the user’s level, ensuring a stable and predictable return.

How to Start Farming HP

• Step 1: Open the Fintopio Mini App, then tap the HOLD icon.
• Step 2: To begin gaining HP, tap the Start Farming button.
• Step 3: After 7 hours, return to the HOLD interface and tap the Collect button
• Step 4: You have just gained 50 HP. Tap the Start Farming button again to get more HP.

The HOLD referral program is designed to reward users for inviting others to join Fintopio. The more people you invite, the more benefits you earn.

Default Number of Links

• Invites: Each user gets 100 invites upon joining HOLD.
• How to use:
  - Copy Link: Users can copy their referral link to the clipboard.
  - Share Link: Users can share their referral link with their Telegram contacts.

Bonus HP for Successful Invites

• +5 HP: For every successful invite
  - Each user who has previously invited referrals without gaining bonus HP will get a recalculation of their balances.

Example: Alex invited 3 friends and got 0 HP because the invites were sent before this new incentive system. With the new system in place, Fintopio will send Alex +15 HP.

Buying Additional Links

• Next Set of Invitations: Users can purchase an additional set of 100 invites after using their initial set.
• Cost: Each additional set of 100 invites costs 100 HP and can only be purchased once the initial 100 invites have been used.

Referral Structure Levels and Bonuses

Users can advance through different levels in the referral program, which provides increasing rewards based on the number of successful invites:

• Level Advancement: Users who invite more people to progress through these levels earn higher bonus multipliers and more significant percentages from their first- and second-level referral farming activities.
• Bonus: Each successful invite brings 5 HP.

Example 1
Basic Level: Tom invites 50 friends. He earns 10% of the HP that his direct referrals farm, plus 2.5% from their referrals.
Opal Level: After inviting 150 friends, Tom moves to the Opal level. Now, he earns 11% from his direct referrals' farming and 2.75% from their referrals.
Ruby Level: If Tom invites 2,000 friends, he reaches the Ruby level, earning 12% from his direct referrals and 3% from their referrals.

Example 2
Emerald Level: Lucy invites 60,000 friends, reaching the Emerald level. She earns 22.2% from her direct referrals and 5.55% from their referrals.
Diamond Level: If Lucy’s invites exceed 100,000, she becomes a Diamond-level referrer, earning 33.3% from her direct referrals and 8.325% from their referrals.

The HOLD Leaderboard is an exciting feature designed to recognize and reward our most active and dedicated HOLDers within the Fintopio ecosystem. This feature ranks users based on their HP (HOLD Points) earnings, encouraging consistent engagement and participation. Top holders are ranked and rewarded weekly, monthly, and all-time, fostering a competitive and rewarding environment. Here’s how the HOLD Leaderboard works:

Holder Ranking Rules and Examples

Rank Calculation

User ranks are determined by the total amount of HP earned. The more HP a user accumulates, the higher their rank.

Example: If User A earns 750 HP in a week and User B earns 500 HP, User A will be ranked higher than User B.

Rating Basis

The rating is based on incoming transactions of the following types:

• Own Farming: HP is earned directly by the user through their farming activities. Each farming session yields 50 HP.
• Own Clicker reward: HP earned by winning in asteroid clicker game will be added to your leaderboard score.
• Successful Invite Rewards: HP earned for successfully inviting new users to the platform, with each successful invite granting +5 HP.
• Referral Farming Rewards: HP earned from the farming activities of the user's 1st and 2nd level referrals.
• Referral Clicker Rewards: when your referrals win in the asteroid clicker game you will receive your bonus too.

Example: User A completes 10 farming sessions (10 x 50 HP = 500 HP), successfully invites 20 new users (20 x 5 HP = 100 HP), and earns 150 HP from their referrals' farming activities, totaling 750 HP. User B completes 8 farming sessions (8 x 50 HP = 400 HP), successfully invites 10 new users (10 x 5 HP = 50 HP), and earns 50 HP from their referrals' farming activities, totaling 500 HP. User A will be ranked higher than User B.

Excluded Transactions

The following transactions are not considered when calculating user ratings:

• Bonuses from Fintopio: Any HP bonuses directly given by Fintopio.
• HP Spending for Invites: HP used to purchase additional invites.

Example: If User A receives a 100 HP bonus from Fintopio and spends it purchasing additional invites, these transactions will not be included in the rank calculation. Only HP earned from farming and referrals will count.

Weekly Ranking  Calculation

Weekly rankings are based on qualifying incoming HOLD transactions from Saturday to Saturday, based on GMT +0.

Example: User A earns 250 HP from Monday to Wednesday (5 farming sessions) and 500 HP from Thursday to Saturday (10 farming sessions plus successful invites and referral rewards). Their total weekly HP is 750, which determines their weekly rank.

Monthly Ranking Calculation

Monthly rankings are based on qualifying incoming HOLD transactions from the 20th day of the current month to the 20th day of the next month, based on GMT +0.

Example: User A earns 2,000 HP from the 20th of the current month to the 5th of the next month and 3,000 HP from the 6th to the 20th through farming sessions, successful invites, and referral rewards. Their total monthly HP is 5,000, which determines their monthly rank.

All-Time Ranking  Calculation

All-time rankings consider qualifying incoming HOLD transactions from June 19, 2024, the HOLD release date.

Example: User A has been active since June 19, 2024, and has earned a total of 10000 HP through consistent farming, successful invites, and referral rewards. This total determines their all-time rank.

Rewards

The Top HOLDers ranking on the weekly, monthly, and all-time leaderboards will receive rewards from a prize pool of 777 USDT, 14,000 USDT, and 16,665 TON respectively.

Weekly Rewards:

• 1st Place: 333 USDT 
• 2nd Place: 222 USDT 
• 3rd Place: 111 USDT 
• 4th to 10th Places: 111 USDT is split between users according to their actual HP earnings during the competition.

Example: If User A finishes 1st with 750 HP, they receive 333 USDT. User B, finishing 2nd with 500 HP, receives 222 USDT. Users in 4th to 10th places share a total of 111 USDT  based on their HP contributions.

Monthly Rewards:

• 1st Place: 3,333 USDT 
• 2nd Place: 2,222 USDT
• 3rd Place: 1,111 USDT 
• 4th to 50th Places: 7,334 USDT is split between users according to their actual HP earnings during the competition.

Example: If User A finishes 1st with 5,000 HP for the month, they receive 3,333 USDT. User B, finishing 2nd with 3000 HP, receives 2,222 USDT. Users in 4th to 50th places share a total of 7,334 USDT  based on their HP contributions.

All-Time Rewards:

• 1st Place: 7,777  TON
• 2nd Place: 5,555TON
• 3rd Place: 3,333 TON

Example: If User A finishes 1st with 15,000 HP earned since June 19, 2024, they receive 7,777 USDT TON. User B, finishing 2nd with 10,000 HP, receives 5,555 USDT TON. User C, finishing 3rd with 8000 HP, receives 3,333 USDT TON.

HOLD is an integral part of the Fintopio platform, offering users various ways to engage and earn rewards. By participating in the referral program and farming HP, users can maximize their benefits and contribute to the growth and vitality of the Fintopio community. The tiered referral structure ensures that active participants are duly rewarded, promoting ongoing engagement and network expansion.

Looking forward, HOLD will play a vital role in the future of Fintopio, offering exclusive perks and future benefits to its HOLDers. As the Fintopio ecosystem evolves, HOLDers can anticipate enhanced features, exclusive access to new products and services, and opportunities to participate in governance decisions. 

Through HOLD, Fintopio aims to enhance the user experience, foster a vibrant community, and drive the adoption of its innovative Web3 wallet. Users are encouraged to take full advantage of the opportunities presented by HOLD to gain rewards and support Fintopio.

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