> For the complete documentation index, see [llms.txt](https://maiv.gitbook.io/maiv-finance/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://maiv.gitbook.io/maiv-finance/overview/revenue-model.md).

# Revenue Model

#### **1. Cost of Money In vs. Cost of Money Charged Out (Net Interest Margin)**

This is the core revenue source for the platform, leveraging the difference between the rate of return offered to investors and the rate charged to borrowers.

**Revenue Structure**

* **Cost of Money In:** Investors receive **8%–12% p.a.**, depending on the asset class and risk profile.
* **Cost of Money Charged Out:** Borrowers are charged **15%–20% p.a.**, reflecting the premium for early-stage project financing and tokenized finance options.
* **Net Margin:** The platform retains the difference, typically around **5%–8% p.a.**.

**Example Calculation**

* Total capital deployed = **$500M**.
* Average cost of money in = **10%**.
* Average cost of money charged out = **18%**.
* Net margin = **8% of $500M = $40M annually**.

#### **2. Upfront Finance Fees**

MAIV charges borrowers a percentage of the total capital raised as an upfront fee, compensating for due diligence, onboarding, and project structuring.

**Revenue Structure**

* Typical fee range = **1%–3% of the total capital raised**.
* This is a one-time fee per project but is a significant contributor, especially for large-scale funding.

**Example Calculation**

* Total capital raised in a year = **$500M**.
* Average fee = **2%**.
* Revenue = **$500M × 2% = $10M annually**.

#### **3. Wealth Management Fees**

MAIV charges investors an annual management fee based on their assets under management (AUM). This provides a steady, recurring revenue stream.

**Revenue Structure**

* Typical fee range = **1%–2% of AUM**.
* This fee covers platform operations, investor support, and administrative services.

**Example Calculation**

* AUM = **$500M**.
* Average fee = **1.5%**.
* Revenue = **$500M × 1.5% = $7.5M annually**.

#### **4. Profit-Sharing**

Profit-sharing provides an additional upside when projects exceed their expected performance thresholds.

**Revenue Structure**

* Profit-sharing is triggered on project returns above the promised yield (e.g., 20% p.a.).
* The platform retains **10%–30% of excess profits** as a performance bonus.

**Example Calculation**

* Total capital deployed = **$500M**.
* Average yield promised to investors = **15%**.
* Actual average return = **22%**.
* Excess return = **7% of $500M = $35M**.
* Platform’s share (30% of $35M) = **$10.5M annually**.

#### **5. Additional Revenue Streams**

**Platform Licensing (White Label)**

* MAIV charges white-label clients for access to its technology and platform.
* Licensing fee range: **$100,000–$500,000 per client annually**.
* Assume **5 white-label clients**, each paying an average of **$300,000**.
* Revenue = **$1.5M annually**.

**Transaction Fees**

* Small fees per transaction processed through the platform, typically **0.1%–0.5%**.
* Assume total transaction volume = **$1B annually**.
* Average fee = **0.2%**.
* Revenue = **$1B × 0.2% = $2M annually**.

**Cross-Selling and Ancillary Services**

* Additional services like insurance, tax advisory, or investment planning.
* Estimated revenue = **$500,000 annually**.

#### **Total Revenue Summary**

| **Revenue Source**         | **Annual Revenue** |
| -------------------------- | ------------------ |
| **Net Interest Margin**    | $40,000,000        |
| **Upfront Finance Fees**   | $10,000,000        |
| **Wealth Management Fees** | $7,500,000         |
| **Profit Sharing**         | $10,500,000        |
| **Platform Licensing**     | $1,500,000         |
| **Transaction Fees**       | $2,000,000         |
| **Cross-Selling Services** | $500,000           |
| **Total Annual Revenue**   | **$72,000,000**    |

#### **Key Assumptions**

1. Total capital deployment and AUM of $500M annually.
2. White-label client base grows steadily, contributing recurring revenue.
3. Average return on deployed capital allows for sustainable profit-sharing without overly diluting investor returns.
4. Transaction volume and ancillary services provide supplementary but growing revenue streams.

#### **Profitability Potential**

* With a high net margin from the cost of money differential and scalable ancillary revenues, the MAIV project is positioned for significant profitability.
* As AUM and transaction volumes grow, recurring revenue from wealth management and transaction fees will further stabilize earnings.
* White-label services add diversification, reducing dependence on direct investment operations.

This model ensures sustainable, diversified, and scalable revenue for MAIV, enabling long-term growth and market leadership.