How the Split Engine pays everyone who helped

When a client funds a contract, Flutterwave confirms the payment and our webhook — after verifying the signature and re-checking the transaction — books the money into escrow.

On approval, the Split Engine takes the platform fee once. If the provider was referred, 2% of that fee goes to the referrer. If a mentor trained them, 2% of the fee goes to the mentor for their first 10 gigs. 3% of fees feed the quarterly Merit Dividend Pool.

Squads get a 5% lead bonus off the provider share, then members are paid by their agreed shares, rounded so totals are exact to the kobo.

Every movement is a balanced, append-only ledger entry, reconciled nightly against Flutterwave settlement reports.