Revenue & Payouts

Track your earnings from session activity and understand how payouts are processed through the General Wisdom platform.

Revenue Sources

Providers earn SMART tokens from three activity types:

Source	Description	Timing
Session launches	Base fee charged when a user starts a session	Escrowed at launch, settled at termination
Session extensions	Additional fee when users extend an active session	Settled immediately on extension
In-session purchases	Add-on purchases made during active sessions	Settled immediately on purchase

Revenue Dashboard

const revenue = await gw.provider.analytics.getRevenue({
  period: '30d',
  breakdown: 'by_source', // 'by_source' | 'by_app' | 'by_day'
});
// revenue.total: number (SMART tokens)
// revenue.breakdown: Array<{ key: string; amount: number; percentage: number }>

Provider Share Calculation

Revenue is split between the provider and the platform according to your provider agreement:

Component	Default Split
Provider share	70%
Platform fee	30%

Custom revenue share arrangements are available for high-volume providers. Contact your account manager for details.

const settlement = await gw.provider.analytics.getSettlementSummary({
  period: '30d',
});
// settlement.grossRevenue: number
// settlement.platformFee: number
// settlement.netRevenue: number
// settlement.providerShare: number

Payout Schedule

Payouts are processed on a regular schedule based on your provider tier:

Tier	Payout Frequency	Minimum Threshold
Standard	Monthly (1st of month)	1,000 SMART tokens
Professional	Bi-weekly (1st and 15th)	500 SMART tokens
Enterprise	Weekly (Monday)	No minimum

If your balance does not meet the minimum threshold at the scheduled payout date, it rolls over to the next cycle.

Stripe Connect Settlement

Payouts are processed through Stripe Connect. Providers must complete Stripe Connect onboarding to receive payouts.

Setup

1. Navigate to Provider Portal > Settings > Payouts
2. Click Connect with Stripe
3. Complete the Stripe Connect onboarding flow
4. Verify your bank account or debit card

Settlement Flow

Session terminates
    |
    v
Tokens settled to provider balance (real-time)
    |
    v
Payout scheduled per tier frequency
    |
    v
SMART tokens converted to USD at settlement rate
    |
    v
Stripe Connect transfer initiated
    |
    v
Funds arrive in connected bank account (1-2 business days)

Conversion Rate

SMART tokens are converted to USD at the platform settlement rate, which is fixed at the time of payout initiation. The current settlement rate is displayed on your Provider Portal dashboard.

const payoutHistory = await gw.provider.payouts.list({
  limit: 10,
  status: 'completed', // 'pending' | 'processing' | 'completed' | 'failed'
});
// payoutHistory.items: Array<{
//   id: string;
//   amount_tokens: number;
//   amount_usd: number;
//   rate: number;
//   initiated_at: string;
//   completed_at: string;
//   stripe_transfer_id: string;
// }>

Minimum Payout Threshold

The minimum payout threshold exists to reduce transaction costs. If your balance is below the threshold:

• No payout is initiated for that cycle
• Your balance carries forward to the next payout period
• You can request a manual payout (subject to a processing fee) if your balance exceeds 50% of the threshold

Tax Documentation

General Wisdom issues 1099 forms (US providers) or requests W-8BEN (international providers) for tax reporting. Tax documents are available in your Provider Portal under Settings > Tax Documents after year-end.

Disputes and Chargebacks

If a session is disputed by a user:

1. The disputed token amount is held from your next payout
2. You receive a notification with dispute details
3. You have 7 days to respond with evidence
4. Platform resolves the dispute within 14 days
5. If resolved in your favor, tokens are released to your balance

const disputes = await gw.provider.disputes.list({
  status: 'open', // 'open' | 'resolved' | 'lost'
});