Cash Credits are a type of WikiDeal Credit that can be converted to CHF — but without guarantee. They represent a conditional claim on future subscription revenue, not a debt or financial instrument. Their availability depends entirely on the financial health of the platform.

What Are Cash Credits?

When you fund WikiDeal through the Fund WikiDeal page, your contribution passes through the bonding curve algorithm. Depending on your chosen reward type (Priority 2), you receive Cash Credits in your personal account.

Cash Credits accumulate over time and gain a 5% annual value increase via a transparent, defined algorithm. They can be cashed out when the conditions are met — specifically, when sufficient subscription revenue has been generated by active WikiDeal users.

How Cash Credits Work

1. Funding contribution — You contribute CHF via the funding flow.
2. Bonding curve processing — The algorithm converts your CHF into Credits based on the current reserve level. Early funders receive more Credits per CHF (e.g. ×100 multiplier at very low reserve).
3. Credit allocation — Your Credits are split by the Balance Boost mechanism into Cash Credits (P2) and community pool contributions.
4. Value appreciation — Credits gain 5%/year in CHF value automatically.
5. Cash-out — When platform conditions allow (sufficient subscription revenue), you can request conversion to CHF via funding.wikideal.net.

Tax Implications

Cash Credits are not taxable when earned. Tax implications arise only at the moment of cash-out, when Credits are converted to CHF. This is consistent with Swiss tax law for utility credits and supports FINMA sandbox classification as a utility token (not a security).

Consult your tax advisor for your specific situation. WikiDeal does not provide tax advice.

The 5% Annual Value Increase

Every Cash Credit increases in CHF value by 5% per year, calculated by a transparent algorithm. This is not a market return or speculation — it is a defined formula applied uniformly to all Credits regardless of market conditions.

Needs Addressed

Cash Credits address the legitimate financial interests of early funders who take on the highest risk. When WikiDeal has few users, the platform is unproven — early funders deserve recognition for their trust. Cash Credits provide a conditional path to financial return without creating speculative pressure or securities-law complexity.

No Guarantee — An Honest Design

The absence of guarantee is not a weakness — it is the honest architecture. WikiDeal does not promise what it cannot deliver. Cash Credits will be distributed when and only when subscription revenue allows. This aligns funder interests with platform growth, not with speculation.

* No financial return is guaranteed. See Terms & Conditions and FAQ for full details. FINMA sandbox rules apply.