💰 LIANA BANYAN ECONOMICS
How 100% Goes to Members While the Platform Operates
“The Work is Important, But Not Mysterious”
“100% of charitable initiative funds go to members providing services.”
But how? If 20% covers platform operations, where does that come from?
Let’s show you.
🎯 THE KEY INSIGHT
The 20% doesn’t come FROM the charitable funds. It comes FROM the paid transactions.
There are THREE types of money flowing through Liana Banyan:
| Type | Source | Where It Goes |
|---|---|---|
| Paid Orders | Customers paying $5/$10 | 80% to Worker, 20% to Operations |
| Charitable Orders | Funded by Paid + LB Corp | 100% to Worker |
| Joule Investments | Funders buying at locked rate | Eventually to Worker (at premium) |
📊 THE FLOW: LET’S MAKE DINNER EXAMPLE
Scenario: One Evening of Meals
A home cook makes 10 servings of dinner:
- 6 Standard Orders ($5 each) = $30
- 2 Convenience Orders ($10 each) = $20
- 2 Charitable Orders ($0 each) = $0
Total Revenue: $50
How It Breaks Down:
Step 1: Paid Orders Generate the 20%
| Order Type | Revenue | Worker Gets (80%) | Operations (20%) |
|---|---|---|---|
| 6 Standard @ $5 | $30 | $24 | $6 |
| 2 Convenience @ $10 | $20 | $16 | $4 |
| Subtotal | $50 | $40 | $10 |
Step 2: Charitable Orders Are Funded Separately
| Charitable Serving | Funded By | Worker Gets | Operations Gets |
|---|---|---|---|
| Serving 1 | $5 from Operations Pool | $5 (100%) | $0 |
| Serving 2 | $5 from Operations Pool | $5 (100%) | $0 |
Step 3: Final Tally
| Worker Receives | Source |
|---|---|
| $40 | From paid orders (80% of $50) |
| $10 | From charitable fund (100% of charitable servings) |
| $50 TOTAL |
| Operations Receives | Source |
|---|---|
| $10 | From paid orders (20% of $50) |
| -$10 | Spent on charitable fund |
| $0 NET | (self-funding!) |
🔄 THE SELF-FUNDING LOOP
┌─────────────────────────────────────────────────────────────────┐
│ LIANA BANYAN ECONOMICS │
├─────────────────────────────────────────────────────────────────┤
│ │
│ CUSTOMER PAYS │
│ ($5 Standard / $10 Convenience) │
│ │ │
│ ▼ │
│ ┌─────────────────────┐ │
│ │ PAID ORDER │ │
│ │ Revenue Pool │ │
│ └─────────────────────┘ │
│ │ │
│ ┌──────┴──────┐ │
│ │ │ │
│ ▼ ▼ │
│ ┌──────┐ ┌──────────┐ │
│ │ 80% │ │ 20% │ │
│ │ to │ │ to │ │
│ │Worker│ │Operations│ │
│ └──────┘ └──────────┘ │
│ │ │ │
│ │ ▼ │
│ │ ┌──────────────────┐ │
│ │ │ OPERATIONS POOL │ │
│ │ │ • Platform costs │ │
│ │ │ • Staff │ │
│ │ │ • Technology │ │
│ │ │ • AND... │ │
│ │ │ • Charitable │──────┐ │
│ │ │ Fund │ │ │
│ │ └──────────────────┘ │ │
│ │ │ │
│ │ ┌──────────────────┐ │ │
│ │ │ CHARITABLE ORDER │◄─────┘ │
│ │ │ (funded from │ │
│ │ │ Operations Pool)│ │
│ │ └──────────────────┘ │
│ │ │ │
│ │ ▼ │
│ │ ┌──────┐ │
│ │ │ 100% │ │
│ │ │ to │ │
│ │ │Worker│ │
│ │ └──────┘ │
│ │ │ │
│ └──────────────┼───────────────────────────────────────► │
│ │ │
│ ▼ │
│ ┌──────────────┐ │
│ │ WORKER │ │
│ │ RECEIVES │ │
│ │ 100% OF │ │
│ │ THEIR WORK │ │
│ └──────────────┘ │
│ │
└─────────────────────────────────────────────────────────────────┘
💎 JOULE INVESTMENTS: HOW FUNDERS BENEFIT
What Are Joules?
Joules (LB Stored Credits) are platform credits purchased at a locked exchange rate.
| Currency | How Acquired | Value |
|---|---|---|
| Credits | Purchased directly | $1 = 1 Credit (current rate) |
| Marks | Earned through work | Variable (work-dependent) |
| Joules | Purchased at locked rate | Locked at purchase rate |
The Funder’s Benefit
When you fund a charitable meal with Joules:
- You lock in today’s rate — If the platform grows, Joules appreciate
- You’re not giving charity — You’re investing in the ecosystem
- You get platform credits — Usable for services, products, or holding
- You help someone eat — Real impact, real benefit
Example: Joule Investment
| Action | What Happens |
|---|---|
| Funder buys 100 Joules at $1 each | Spends $100, receives 100 Joules |
| Funder funds 20 charitable meals | 100 Joules → Operations Pool |
| Operations pays cooks | Cooks receive full value of meals |
| Platform grows 50% | Remaining Joules now worth $1.50 each |
| Funder still has benefits | Future Joules purchases lock new rate |
The funder is NOT losing money. They’re converting cash to platform equity at a locked rate while funding good work.
📐 THE MATH: WHY THIS WORKS
Break-Even Analysis
For charitable meals to be sustainable:
Paid meals must outnumber charitable meals by 4:1
Why? Because:
- 20% of paid meals goes to Operations
- 100% of charitable meals comes from Operations
- Therefore: 5 paid meals × 20% = 1 charitable meal × 100%
Current LMD Target Ratio
| Meal Type | Percentage | Ratio |
|---|---|---|
| Standard ($5) | 60% | 6 per 10 |
| Convenience ($10) | 20% | 2 per 10 |
| Charitable ($0) | 20% | 2 per 10 |
Actual ratio: 8:2 paid to charitable = 4:1 ✅
With Convenience meals paying double, we actually generate:
- 6 × $5 × 20% = $6
- 2 × $10 × 20% = $4
- Total Operations: $10
- Charitable cost: 2 × $5 = $10
It balances exactly.
🏦 WHERE DOES LB CORP MONEY GO?
Liana Banyan Corporation (the .com) also contributes to charitable funds.
| Source | Type | Purpose |
|---|---|---|
| Kickstarter flow-through | Project funding | Funds specific projects |
| Membership fees ($5/year) | Operating capital | General operations |
| Premium services | Revenue | Reinvested in initiatives |
| Grants/Donations | Charitable | Direct to charitable pool |
LB Corp does not take profit. All revenue is reinvested:
- Operations
- Technology development
- Charitable initiatives
- Worker support programs
🔍 TRANSPARENCY FEATURES
How You Can Verify
- Separate Ledgers — Paid, Charitable, and Investment funds tracked separately
- Blockchain Recording — Immutable transaction history
- Public Dashboards — Real-time visibility into fund flows
- Audit Trails — Every transaction traceable
- Harper Guild Oversight — Independent verification
What You’ll See
| Dashboard | Shows |
|---|---|
| Initiative Dashboard | Total funds in, funds out, charitable served |
| Worker Dashboard | Your earnings, breakdown by source |
| Funder Dashboard | Your investments, current value, impact |
| Public Dashboard | Aggregate statistics, no personal data |
❓ FREQUENTLY ASKED QUESTIONS
“If 20% goes to Operations, how is 100% going to workers?”
100% of charitable initiative funds go to workers. The 20% comes from paid orders, not charitable funds. Charitable meals are a separate category funded by the Operations pool.
“So the platform takes 20% from paid orders?”
Yes, exactly like any business. But unlike other platforms:
- That 20% funds charitable meals, not shareholder profits
- Workers still receive fair compensation (80% is high for gig economy)
- The 20% is transparent and published
“What happens if there aren’t enough paid orders?”
If charitable demand exceeds funding:
- Charitable queue forms (first-come, first-served)
- Joule investors can fund additional meals
- LB Corp contributes from reserves
- Community fundraising activates
“Can I just fund meals directly without Joules?”
Yes! Options:
- Direct donation — Goes to charitable pool, 100% to workers
- Joule investment — Locked rate, platform equity, funds meals
- Stripe “pick an initiative” — Choose where your contribution goes
“Where does my $5 membership go?”
Your membership fee goes to General Operations, which includes:
- Platform technology
- Worker support programs
- Charitable initiative seed funding
- Administration
It does NOT go to shareholders because there are no shareholders taking profit.
📜 THE PHILOSOPHY
Cost + 20%
Liana Banyan operates on the Boaz Principle (Innovation #9 in the Sacred Texts):
“Cost + 20% transparent pricing. 83.3% value retention for creators. Explicit margin disclosure. Anti-exploitation safeguards. Fair value distribution philosophy.”
The 20% is not extraction. It’s the cost of maintaining the infrastructure that makes everything possible.
The Sacred Texts Reference
From Innovation #9 (Boaz Principle):
“Like gleaning in the fields of Boaz, there is enough for everyone when the system is designed for generosity rather than extraction.”
🔔 THE BOTTOM LINE
| Stakeholder | What They Get |
|---|---|
| Workers | 100% of charitable funds, 80% of paid orders |
| Customers | Fair prices, quality service, good karma |
| Funders | Joules (locked rate), platform equity, real impact |
| Platform | 20% of paid orders → reinvested entirely |
| Shareholders | There are none. This is a cooperative. |
The work is important, but not mysterious.
Every dollar is tracked. Every transaction is transparent. Every participant benefits.
That’s how you build something that lasts.
🏰 FOR THE KEEP! ⚔️
“Help Each Other Help Ourselves”