Dashboard
Your dashboard is your homepage that provides you with notifications on all things related to your grihd account. Quickly disclose information, send a payment, create a project, or compose an email to your extended network.
Dashboard
Your dashboard is your homepage that provides you with notifications on all things related to your grihd account. Quickly disclose information, send a payment, create a project, or compose an email to your extended network.
Dashboard
Your dashboard is your homepage that provides you with notifications on all things related to your grihd account. Quickly disclose information, send a payment, create a project, or compose an email to your extended network.
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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

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

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:

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).