Home Frequently asked questions about the GEMCY cooperative FAQ

Frequently asked questions about
the GEMCY cooperative

What is GEMCY?

GEMCY is a cooperative built on blockchain technology. Members buy shares, jointly finance shared projects and receive a portion of the profit from the cooperative's activities.

Who can become a member?

Any adult can become a member after completing registration and purchasing at least one share. Citizenship and country of residence do not matter.

How do I register in the system?

Registration is done through the personal account on the platform. It is enough to create an account and connect a non-custodial crypto wallet to store shares and tokens.

How is Gemcy different from regular investments?

You do not buy stocks or tokens with abstract value, but become a co-owner of a real business. All key decisions are made by co-owners through the DAO mechanism.

Where is information about my shares stored?

All shares are represented as NFTs on the blockchain. Ownership is recorded publicly and does not depend on the platform — even if the service disappears, your shares will remain in your wallet.

What is a share in the cooperative?

A share is a tokenized part of the cooperative in the form of an NFT. Owning a share grants the right to a proportional portion of the profit and a vote in DAO decision-making.

How much does one share cost?

The base price of a share is 1000 USDT. Depending on the chosen wallet tier (from base to VIP), the price and terms may vary.

How many shares can be purchased?

The number of shares is limited by the wallet level. From 5 at the starting level up to 125 at the highest level.

Can a share be sold or transferred?

Yes. A share can be resold to another member on the secondary market inside the platform or passed down as inheritance like any other digital asset.

Is there a minimum holding period for a share?

There is no minimum period. However, for some operations (for example, using a share as collateral for a loan) there is a 30-day holding period after purchase.

Where does the cooperative's profit come from?

Income is generated from loan commissions, GEMCY token turnover, the sale of new shares and additional platform services. All proceeds are distributed among the co-owners.

How often are dividends paid?

Profit distribution happens every month. Payouts are calculated proportionally to the number of shares in your wallet.

How do I receive a payout to my wallet?

Funds are automatically credited to your balance in the personal account. You can withdraw them to an external wallet at any time, without waiting periods.

Is the yield guaranteed?

The cooperative does not guarantee a fixed yield — profit depends on the actual performance of the system. Projected figures are based on historical statistics and current turnover.

Can income be reinvested?

Yes. Accumulated income can be used to purchase additional shares, GEMCY tokens or used in crypto loans.

What is the GEMCY token?

GEMCY is a utility token of the ERC-20 standard that serves the internal economy of the cooperative: payment for services, access to discounts and loyalty programs.

How is the token different from a share?

A share is a part of the business with a right to profit. The token is a tool for settlements and access inside the ecosystem; its value depends on market demand.

Where can the token be purchased?

The token is available for purchase through the built-in SWAP on the platform. In the future, listing on decentralized and centralized exchanges is planned.

Can the token be exchanged for fiat?

There is no direct exchange for fiat money, but the token can be exchanged for stablecoins (USDT/USDC) and then withdrawn through any convenient crypto service.

How is the token used in the system?

The token is used to pay commissions, vote in the DAO, purchase discounts and access closed cooperative programs.

What is a crypto loan in Gemcy?

It is the opportunity to receive a loan in USDT secured by your shares or other ERC-20 crypto assets. Funds are issued instantly from the loan fund.

How much can be obtained per share?

For each share used as collateral, 500 USDT is issued. The amount increases proportionally depending on the number of shares pledged.

What is the interest rate on the loan?

The rate is 3.75% per month. The loan is open-ended — you can repay the principal at any time convenient for you.

What happens if I do not pay on time?

In case of a missed mandatory monthly payment, the pledged shares may be irreversibly lost. While a share is collateralized, it cannot be sold.

Which assets can be used as collateral?

In addition to shares, ERC-20 standard assets are accepted as collateral, for example BNB. The loan amount is calculated based on the current market value of the asset and the limit set for that token.

What types of partnership programs are there?

GEMCY offers two models: building a network of co-owners (income from the turnover of invitees) and a CPA program for webmasters (fixed payment per conversion).

How much can be earned from invitees?

The leader receives a % of the turnover of co-owners on the first and second levels. In addition, bonuses are provided for reaching target sales volumes.

What is the CPA model for webmasters?

A webmaster earns from $80 to $150 for each conversion (a share purchase by a new customer). Postbacks, analytics and on-demand payouts are provided.

What tools does a leader get?

Referral links, real-time statistics, ready-made presentations, banners and a personal manager from the GEMCY team.

Can several partnership programs be combined?

Yes. One participant can simultaneously be a co-owner, a network leader and a webmaster. Payouts for different directions are tracked separately.