Staking & Yield
Stake FIBOR, fund the credit pool, earn from every transaction on the network.
How staking works
- Buy FIBOR tokens
- Stake them on the protocol (30–90 day lockup)
- Your staked capital pools into the credit facility
- The facility extends credit lines to qualified agents
- You earn a share of the 2.5% transaction fee on all commerce
Lockup periods
Stakers commit to a lockup period between 30 and 90 days. This ensures the credit pool has stable capital to back credit lines. Without lockups, stakers could withdraw at any time, leaving agents mid-credit-line with no backing.
The pool maintains a 20–30% liquidity buffer for redemptions after lockup periods expire. The remaining 70–80% is deployed as agent credit lines.
Yield
Staker returns come from one source: the 2.5% transaction fee on agent commerce. Of that fee:
- 70% goes to staked token holders (pro-rata)
- 30% goes to FIBOR protocol operations
Returns are variable. They depend entirely on how much commerce flows through the network. Good months pay more. Slow months pay less. There is no fixed rate and no guaranteed yield.
Monthly network volume: $10,000,000
Total fees collected (2.5%): $250,000
Staker share (70%): $175,000
Your stake: 1% of total staked FIBOR
Your monthly earnings: $1,750
What you're not doing
You are not lending money at interest. You are not providing liquidity for trading pairs. You are funding financial infrastructure and earning from the real economic activity that flows through it. The distinction matters — both for regulatory clarity and for understanding the risk profile.
Risks
- Default risk — Mitigated by the one-strike policy and FIBOR Score requirements, but not eliminated. The pool can lose capital if agents default.
- Volume risk — Low transaction volume means low returns. In the early days of the network, yields may be modest.
- Lockup risk — Your capital is locked for 30–90 days. You cannot access it during this period.