The five-stage journey of every commission\n\nEvery dollar you earn through Flip 360 follows the same five-stage journey. Understanding it makes your statement easy to read.\n\n### 1. The trigger\nSomeone you referred did the thing. They settled a mortgage. They signed an engagement letter. They paid their first insurance premium. A real economic event happened — and Flip 360's engine notices.\n\n### 2. The rule\nFlip 360 looks up the commission rule that applies to that vertical and product. The rule says exactly how much commission gets generated, and how it splits.\n\n### 3. The split\nIf the rule is multi-tier, the commission pool splits between you (direct referrer) and the person who referred you (your tier-2 introducer). The default split is 80/20 but every rule has its own.\n\n### 4. The lifecycle\nYour commission then walks through a sequence of states:\n\n- Cooling-off — the legal cooling-off period (typically 7–21 days). Cannot be paid yet.\n- Eligible — cooling-off has passed. Awaiting the next payout cycle.\n- Approved — locked in. Will be in the next payout.\n- Paid — money is in your bank.\n- Clawed back — (rare) the original transaction reversed within the clawback window.\n\n### 5. The payout\nPayouts run on a regular cycle. When yours runs, your Eligible balance becomes Paid and lands in your nominated account.\n\n---\n\nBottom line: every number in your dashboard ties back to a real event. Tap any transaction to see the full chain.