Contribution ladder: credit, lifetime, fair balance

This is member invest and lifetime purchase framing — not equity brokerage and not a public securities raise narrative.

Under about $200: RTD credit, earn-back paths, forever carry of balance history.

Higher tiers: lifetime access to the product surface as it matures.

If a balance goes red: 50/50 path — pay up or structured payout — documented in the contribution ladder SSOT.