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.

Telegram Stars Boosts

By utilizing Telegram’s in-built payment method called Stars, Fintopio users can buy boosts on HOLD to improve and amplify their ability to earn more HP.

Please note that Stars are Telegram’s virtual items that allow users to purchase digital goods and services from bots and mini apps inside the Telegram ecosystem. They are not directly associated with HOLD or Fintopio but only serve as a way to purchase HOLD boosts. 

To earn more HP, users can now purchase HOLD  boosts which are available on the HOLD panel under the Boosts section. All boosts purchased 

Currently, 2 boosts are available to purchase.

Monthly Automated Farming 

This boost allows users to automate their HOLD farming activity for a month. Using this boost, users will be able to collect 3 farming sessions worth 1500 HP daily.

The collected HP will be directly credited to the user’s HP balance without the need to click the option to farm or collect HOLD. Note, that this boost will be automatically activated upon purchase.

Example: Lisa purchased a monthly automated farming boost on HOLD on 1st September, which will be valid till 30th September. During this time she will be able to automatically collect HP for 3 sessions of HOLD farming, i.e. 1500 HP per day; meaning she will be able to successfully collect 45,000 HP (1500*30)

Clicker Game x3 Pack

The second boost available for purchase is the Clicker Game x3 Pack. This pack allows users to buy three additional asteroid mining attempts for crafting their gemstones. Users must manually activate each attempt in the pack and use it within 10 minutes of activation. Therefore, users should be prepared to use each attempt immediately after activating the boost.

Example: Alice buys a Clicker Game x3 Pack for extra mining attempts. She activates one try but fails to use it within 10 minutes. As a result, she has 2 more attempts to use.

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.

Holder Ranking Rules and Examples

Rank Calculation

All 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.

Weekly Rating Calculations

The weekly rating is now determined by a combination of the user’s activities and reward-based achievements.

These activities include:

• HP Farming 
• HP Clicker Activities (Clicking Asteroids and Mining Diamonds) 
• Daily Check-ins
• Social & Wallet Task Completion

Example:
Activities:
1.Played clicker games, accumulating a total of 3,001.5 HP.
2.Completed farming tasks in 3 cycles, earning an additional 150 HP.
User A’s total HP for the week is 3,151.5 HP.
During the same period, User B focused on expanding the platform’s user base:
Successfully invited 1,000 referrals, for which they received 5,000 HP.
Their referrals were highly active and completed 3 farming cycles, which added a further 15,000 HP to User B's total.
User B's total HP for the week is 20,000 HP.
With the new evaluation criteria:
Here User B will be ranked lower than User A in the weekly ratings because referrals are not part of the activities determining the weekly ranking. Henceforth, Users who want to rank on the leaderboard will have to complete only the set activities

Monthly Rating Calculations

Monthly rankings are based on qualifying individual and referral activities from the 20th day of the current month to the 20th day of the next month, based on GMT +0.

Additionally, under the ranking criteria, the Monthly ranking will be split into two distinct categories:

• Referral Titans: Focused on tracking the success of referral-inviting campaigns.
• Solo Legends: Reflects the weekly rating rules, emphasizing individual effort.

Example:
Under "Referral Titans":
1.User B excelled by maximizing the platform’s growth through its network, earning 20,000 HP for successful referrals and related activities.
2.User A, while active, did not focus on referrals and thus retained the points earned through personal activities, totaling 3,151.5 HP.
At the end of the month:
User B leads in 1st place with 20,000 HP, followed by User A in 2nd place with 3,151.5 HP.

Example:
Under "Solo Legends":
The focus shifts to individual tasks and achievements. So at the end of the month:
If User A surpassed User B in personal tasks, farming, or any other non-referral-based activities, User A would be ranked higher in this category.
Conversely, if User B's only points were from referrals, they might rank lower in "Solo Legends" than in "Referral Titans."

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.