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Grihd Token Card

 

The Grihd Token Card is a financial utility product (in collaboration with AMEX) that integrates seamlessly with the hybrid entity structure. It empowers GRD Token holders to access financial rewards, productivity incentives, credit-building opportunities, and exclusive lifestyle benefits.

 

Key Features

Lifestyle and Rewards:

 

Access to AMEX Lounge (Architect Tier).

 

5X rewards on all purchases with no category restrictions.

 

Rewards redeemable for free or discounted products with select merchants.

 

Smart Credit Builder:

 

Grihd will report token holdings, spending, and productivity to all 3 credit bureaus.

 

Balances are treated as credit utilization, improving credit scores without requiring a credit check.

 

Users must hold 10% of their credit limit in GRD tokens to unlock credit-building features.

Security Features:

 

Free cell phone insurance, purchase protection, and theft protection for eligible transactions.

 

Ease of Use:

 

No foreign transaction fees, minimum redemption thresholds, or caps on earnings.

 

Rewards never expire.

Incentives for Token Holders

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Reward and Incentive Rules

Reward Points:

 

5X on all purchases as the base reward structure.

 

Points tied to productivity milestones:

 

Holding tokens for 30 days = bonus points. Completing tasks/projects = tiered rewards.

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5X on all purchases 

 

$250 / month rental partnership with Tesla for gig work

Incentized Reward Points cross-synced with productivity

Users will be rewarded with merchant perks or paid out in GRD based on meeting productivity guidelines 

​Hold & Spend GRD to build your credit score

 

Every month Grihd Will report your productivity and usage to all 3 bureaus as credit worthy transactions with smart credit builder enabled. 

Exclusive Perks with Select Merchants 

Fashion: Goat, Grailed, StockX, Poshmark, Etsy, Depop, Nordstrom, Saks Fifth Ave

 

Membership: 50% off Soho House fees (architect tier*)

 

Gig Economy: Shopify, Wix, Webflow, Thumbtack, Uber, Lyft, Doordash

 

Accounting: Quickbooks, Turbo Tax

 

Tech: Best Buy, Amazon, Apple, Microsoft, Samsung, 

 

Internet: Spectrum, Google Fiber, Xfinity, Starlink

 

Communications: T-Mobile, AT&T, Verizon

 

Grocery Stores: Walmart, Target, Whole Foods, 7 Eleven 

 

Car Rental: Avis, Enterprise, Turo, Tesla

Dedicated Management Entity for Grihd Token Card

 

The BVI Subsidiary 1 (Operating Company) should be the dedicated management team for the Grihd Token Card. 

 

Operational Control – This entity is responsible for managing day-to-day business operations, including partnerships, compliance, and platform services.

 

Card Issuance & Partnerships – It oversees relationships with payment processors, banks, and fintech partners necessary for the Grihd Token Card infrastructure.

 

Smart Credit Builder & Rewards System – It handles the smart credit building and loyalty reward distributions, ensuring compliance with financial regulations.

 

Merchant & Subscription Management – It manages revenue from merchant transactions, interchange fees, and cardholder subscriptions.

 

Risk & Compliance – Since the BVI jurisdiction offers financial flexibility, it is well-positioned to oversee AML/KYC compliance for cardholders.

 

Governance & Oversight

 

BVI Subsidiary 1 (Operating Company) manages daily operations.

 

Cayman Foundation acts as a custodian for long-term treasury funds and tax-efficient reinvestments.

 

DAO Treasury collects transaction fees and distributes staking rewards to token holders.

 

In-App Wallet Syncing

 

Integrated Digital Wallet:

 

The DAO will oversee the development of a digital wallet compatible with Apple Pay and synced with Grihd’s token rewards system.

 

The wallet will allow users to seamlessly manage GRD Tokens for spending, holding, and rewards redemption.

 

Credit Utilization:

 

Users must hold 10% of their credit limit in GRD Tokens to access credit-building features and benefits.

 

The digital wallet automatically tracks token holdings for compliance with credit utilization requirements.

 

Reward Pool Allocation

 

Treasury-Funded Rewards:

 

A portion of the DAO’s treasury, funded by token sales and merchant fees, will be allocated to reward payouts.

 

20% of monthly token rewards are reserved for loyalty-based bonuses, incentivizing long-term participation and retention.

 

Loyalty Bonuses:

 

Users who maintain long-term balances or complete productivity milestones (e.g., project completions) receive additional bonus rewards.

 

Governance Over Card Issuance

 

DAO Oversight:

 

The issuance and management of the Grihd Token Card are subject to the governance and oversight of Grihd DAO LLC, ensuring transparency and alignment with the DAO's mission and principles.

 

Issuance Approval:

 

All new card issuance policies, fee structures, or major changes to cardholder benefits must be approved by a simple majority vote of DAO members (50% + 1 of votes cast).

 

Eligibility and Standards:

 

Modifications to eligibility standards require a 75% majority vote to ensure fairness and compliance with applicable laws.

 

Fee Adjustments:

 

Any changes to transaction fees (e.g., adjustments to the 1% transaction fee or loyalty-based reward allocations) must be reviewed and approved by the DAO through a formal voting process.

 

Compliance Monitoring:

 

A Compliance Committee will ensure adherence to financial regulations, including KYC/AML standards, and report findings to the DAO.

 

Revocation Policies:

 

Cardholder privileges may be revoked for violations of DAO policies or misuse, subject to approval by a multi-signature governance wallet.

 

Annual Review:

 

The DAO will conduct an annual review of the Grihd Token Card program, presenting results for DAO voting on proposed changes.

 

Revenue Allocation Percentages for Grihd Token Card Entities 

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Key Takeaways

 

DAO Treasury manages transaction fees, staking rewards, and token-based incentives (including revenue from merchant fees and subscription allocations).

BVI Subsidiary 1 (Operating Company) handles day-to-day platform operations, partnerships, and compliance.

 

Cayman Foundation acts as a custodian for retained earnings, ensuring tax efficiency and long-term sustainability.

Rules for Releasing the Grihd Token Card

 

The Grihd Token Card will only be released upon meeting the following conditions:

 

 Compliance & Regulatory Readiness

 

Full compliance with AML/KYC regulations in applicable jurisdictions.

 

Approval from BVI financial regulators (if required) for card issuance & financial services.

 

Review of legal implications in the U.S., EU, and Asia-Pacific regarding token-based financial products.

 

Treasury & Financial Preparedness

 

Minimum $5M liquidity pool in treasury for handling reward distributions and cash-back incentives.

 

Establishment of a reserve fund (10% of total revenue) for fraud protection and risk management.

 

Confirmation that at least 20% of Grihd Token Card applicants are active GRD Token holders.

 

Infrastructure & Tech Readiness

 

Full integration with Apple Pay & Google Pay.

 

Finalization of merchant partnerships (e.g., AMEX, Tesla, Shopify, Best Buy).

 

Security audit of in-app wallet syncing & smart credit builder mechanisms.

 

DAO Governance Approval

 

The DAO must vote with at least 51% majority to approve the public launch.

 

Multi-signature wallet sign-off from DAO Treasury & BVI Subsidiary 1 before activating live transactions.

 

Entity Responsibilities

 

Each entity has defined roles in the launch, governance, and operation of the Grihd Token Card:

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Post-Launch Operational Rules

 

Once the Grihd Token Card is live, the following rules will govern its ongoing operations:

 

Transaction Fee Adjustments

 

A 1.5% transaction fee applies, adjustable via DAO vote with 60% approval.

 

Reduced fees (0.5%) available for high-tier stakers.

 

Subscription & Merchant Expansion

 

New merchant partnerships require DAO governance sign-off every 6 months.

 

Subscription prices (in GRD tokens) can be adjusted quarterly based on token value.

 

Token Reward Distribution

 

50% of monthly card transaction revenue will be distributed as staking rewards.

 

Rewards cannot exceed 15% of treasury reserves at any time.

 

Fraud Prevention & Security

 

AI-based fraud detection must be integrated for high-risk transactions.

 

Card privileges revoked for users violating DAO fraud policies (subject to arbitration).

© 2025 Grihd DAO LLC All Rights Reserved.

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