How SHAREDMARGIN Works
A transparent explanation of every reward mechanism — from your first purchase to Diamond rank.
Merchants share their margin. You earn from it.
Every participating merchant on SHAREDMARGIN decides what percentage of their product margin they are willing to share with their customers. That shared margin becomes the fuel for your Margin-Back Unit (MBU) cashback and override earnings.
Merchant sets margin share
Each merchant configures a SHAREDMARGIN Volume (SMV) percentage for every product — typically 80% of their margin. This SMV pool funds all consumer rewards.
Platform computes SMV and PV
SHAREDMARGIN Volume (SMV) = 80% of margin. Point Value (PV) = 80% of SMV. MBU cashback comes from SMV. Override credits come from PV. Calculations happen automatically at checkout.
You earn MBU cashback instantly
The moment your purchase is confirmed, your Margin-Back Units are calculated and credited to your digital wallet. No forms, no delays, no minimums to reach before you can see your balance.
Your network multiplies your earnings
When people you have introduced to SHAREDMARGIN make purchases, you earn MBU override credits from their Point Value — across up to five levels of your sponsorship network.
A worked example on a real grocery basket
Monthly grocery basket — $550.00
A fixed-income earner spending $550/month on groceries earns $8.80 MBU cashback on their own purchases — before any override credits from their network. As their network grows, monthly MBU earnings can significantly exceed their monthly grocery spend.
Five levels of MBU earnings from your network
When the people you have sponsored make purchases, you earn MBU override credits from their Point Value. The percentage you earn depends on your rank and how many people you have personally sponsored.
| Level | Bronze | Silver | Gold | Platinum | Diamond |
|---|---|---|---|---|---|
| Level 1 | 13% | 15% | 17% | 19% | 21% |
| Level 2 | 8% | 10% | 12% | 14% | 16% |
| Level 3 | 4% | 6% | 8% | 10% | 12% |
| Level 4 | 1% | 3% | 5% | 7% | 9% |
| Level 5 | 1% | 2% | 3% | 4% | 5% |
| Total | 27% | 36% | 45% | 54% | 63% |
Override percentages applied to the Point Value (PV) of each downline member's purchases.
Stay active with any purchase within 90 days
SHAREDMARGIN's activity rule is designed with fixed-income earners in mind. You remain active as long as you make at least one purchase within any 90-day window — no monthly deadline pressure.
✅ Active
Made at least one purchase in the last 90 days. Your Point Value flows to your upline's MBU override calculation. You earn MBU cashback on your purchases.
⏸ Inactive
No purchases in 90 consecutive days. Your PV stops flowing to your upline until your next purchase. You reactivate automatically the moment you shop again — no fee, no process.
There is no monthly deadline. No penalty for missing a month. If illness, travel, or circumstances keep you from shopping for a while, your network position and rank are preserved — you simply reactivate on your next purchase.
100 SMV per month to qualify for rank advancement
While active status requires any purchase within 90 days, rank advancement and maintenance requires accumulating 100 SHAREDMARGIN Volume (SMV) in the qualifying month — alongside the network requirements for your target rank.