---
title: "The Nysa Circulation Economy"
subtitle: "A White Paper on Membership-Funded Coin, Rain, Roots, Rootwater, the Aquifer, and Harvest"
author: "NysaQuest"
date: "July 2026"
version: "Working White Paper 1.2"
---

# The Nysa Circulation Economy

## A White Paper on Membership-Funded Coin, Rain, Roots, Rootwater, the Aquifer, and Harvest

**Working White Paper 1.2**  
**Prepared for NysaQuest**  
**July 2026**

> Nysa is not designed as a speculative token system. It is a membership-funded, ledger-governed circulation system intended to support local participation, discovery, quests, offerings, and community activity.

---

# Abstract

Nysa proposes an internal economic system built around a simple public promise and a more intricate ecological circulation model. Members prepay for a ninety-day season. A configurable portion of that membership revenue is converted into internal Coin and distributed through nine uneven ten-day periods called Rain. Members collect the active Rain automatically by logging in during the period. Uncollected Rain does not remain idle: up to seventy-five percent follows the member's chosen Roots, while the remainder enters the Aquifer, a shared internal circulation reservoir.

Root recipients receive temporary Rootwater. Rootwater can be spent anywhere ordinary Coin can be spent, but it cannot be Harvested while held by the original recipient, does not count against ordinary wallet caps, and returns to the Aquifer if unused by the end of the following Harvest window. When Rootwater is spent, the recipient receives ordinary Coin. This preserves circulation without creating a permanently separate currency.

Ordinary Coin moves through wallets, transfers, Quests, Offerings, patronage, and escrow. Only mature, eligible House-held Coin may approach cash settlement through Harvest. The intended Harvest throttle is the lesser of one-third of the mature eligible balance or 133 percent of the House's seasonal membership cost. Harvest is therefore a narrow settlement path, not universal redemption.

Nysa will launch with 100 percent cash backing for all newly issued membership-funded Coin. The internal seasonal Coin conversion rate remains adjustable, but the reserve promise does not. Members are shown the exact Coin allocation included with each tier before purchase; the internal revenue split remains an admin-only operating assumption. In plain language: Nysa reduces issuance when operating costs require it rather than issue more Coin than it can honestly back.

---

# Contents

1. Executive Summary  
2. Purpose and Scope  
3. Economic Identity and Design Principles  
4. Currency and Denominations  
5. Membership, Seasons, and Issuance  
6. Rain: Scheduled but Unpredictable Distribution  
7. Roots: Member-Directed Inactivity Routing  
8. Rootwater: Temporary Delegated Purchasing Power  
9. The Aquifer: Shared Internal Circulation Reservoir  
10. Wallets, Caps, and Balance Classes  
11. Transfers, Quests, Offerings, and Escrow  
12. Harvest: Limited House Settlement  
13. Reserve Policy Alternatives  
14. Recommended Treasury Policy  
15. Scenario Analysis  
16. Risk, Abuse, and Failure Modes  
17. Governance, Transparency, and Member Communication  
18. Accounting and Technical Architecture  
19. Phased Rollout and Validation  
20. Open Decision Register  
21. Conclusion  
Appendices

---

# 1. Executive Summary

Nysa's economy exists to support participation rather than speculation. The customer-facing product is not a financial instrument. It is a quest-driven participation system in which internal value can reward action, support makers and organizers, fund events, and circulate through local cultural activity.

The economic design has six major layers:

1. **Membership funding.** Members prepay the canonical price for a ninety-day membership season.
2. **Coin issuance.** A configurable portion of prepaid membership revenue becomes reserve-backed Nysa Coin.
3. **Rain distribution.** The seasonal Coin allocation falls across nine ten-day periods at secretly predetermined but uneven rates.
4. **Roots and Rootwater.** Uncollected Rain follows member-selected support relationships or enters the Aquifer.
5. **Internal circulation.** Coin and Rootwater support transfers, Quests, Offerings, Events, patronage, and other valid Nysa transactions.
6. **Harvest settlement.** A limited portion of mature, eligible House-held Coin may be converted to cash during a Harvest window.

The canonical membership framework is:

| Tier | Prepaid Seasonal Charge | Intended Economic Scale | Ordinary Personal Wallet Cap |
|---|---:|---|---|
| Wanderer | $6 | Intentional base member | Open decision |
| Explorer | $18 | Active participant | Open decision |
| Wayfinder | $36 | Creator or small organizer | Open decision |
| Realmwalker | $75 | Professional or multi-Entity organizer | Open decision |
| AtlasWeaver | $300 | Large Event, venue, institution, or major organization | Open decision |

There is no permanent free membership tier. Public Observers may view selected public content but receive no persistent member standing, membership Rain, ordinary wallet privileges, or Harvest eligibility. Every active member has funded standing through dues, Wardship, a Pioneer grant, an Aquifer grant, a Dragon Wardship, or another approved source.

The admin model currently uses a provisional 50 percent seasonal conversion:

- 50 percent of prepaid membership revenue supports company operations.
- 50 percent is converted into Nysa Coin and matched by reserve cash.

The conversion rate may rise when operating costs permit. It may also fall when necessary. It is locked for the season and tracked in the internal model, but it is not a member-facing percentage. Members instead receive the exact tier price and exact total Coin allocation before purchase.

The canonical launch reserve policy is full backing of all outstanding issued Coin. The conversion rate is the flexible lever; backing is the promise. This approach is more conservative than the system's narrow Harvest exposure requires, but it gives Nysa a clear, auditable, and defensible foundation.

## 1.1 Policy status at publication

| Policy | Status |
|---|---|
| Wanderer / Explorer / Wayfinder / Realmwalker / AtlasWeaver seasonal prices of $6 / $18 / $36 / $75 / $300 | Adopted in the canonical membership contract |
| No permanent free membership tier; Public Observer remains outside membership | Adopted in the canonical membership contract |
| Ninety-day season with nine ten-day Rain periods | Adopted |
| Internal 50 percent operating / 50 percent Coin conversion | Provisional admin-only default; configurable and revision-tracked |
| All nine Rain intensities secretly fixed at season start | Adopted |
| No zero-Rain periods | Adopted |
| Current-period forecast is qualitative | Adopted |
| Login during the period automatically collects Rain | Adopted |
| Up to five Roots, each routing 15 percent, maximum 75 percent | Adopted |
| Roots may target any eligible Nysa subject, including Avatars | Adopted |
| Root changes have a ten-day cooldown | Adopted |
| Rootwater rules and one-season expiration | Adopted |
| Ordinary personal wallet caps by canonical tier | Open; former three-tier caps superseded |
| Harvest limit of one-third, further capped at membership cost plus 33 percent | Adopted direction |
| Harvest available only to approved organizer-tier Entity operators, presently qualifying Houses | Adopted direction; canonical tier and capability mapping pending |
| Full reserve at launch | Adopted canonical policy |
| Coin retirement when Harvested | Adopted direction; settlement implementation contract pending |

---

# 2. Purpose and Scope

This white paper consolidates the present economic doctrine for NysaQuest. It is intended to serve four audiences:

- founders and operators deciding policy;
- developers implementing wallets, ledgers, Rain, Roots, escrow, and Harvest;
- members, Houses, and community partners seeking a coherent explanation;
- professional advisors reviewing accounting, legal, tax, and regulatory implications.

This paper distinguishes among:

- **adopted policy**, which represents current design decisions;
- **recommended policy**, which reflects the preferred launch approach but still requires formal ratification;
- **implementation detail**, which may change without altering the public economic promise;
- **open decisions**, which must not be silently hard-coded.

This is not legal, tax, banking, securities, or money-transmission advice. Before public settlement or material scale, Nysa should obtain professional review tailored to its actual operational structure and jurisdiction.

---

# 3. Economic Identity and Design Principles

## 3.1 Nysa is a circulation system, not a speculative token

Nysa Coin is intended for use inside the Nysa ecosystem. Its purpose is to move support toward participation, local commerce, quests, events, makers, and community activity. The economy should be understandable as a closed or bounded internal circulation system, not as an investment market.

Nysa should not promise appreciation, external trading, universal cash redemption, or passive yield. Coin has a stable internal denomination anchor. Harvest is a limited settlement privilege for specific mature House balances, not a general right possessed by every wallet holder.

## 3.2 Participation remains the product center

The wider Nysa product doctrine is:

> Quest -> Participation -> Recognition -> Return

The economy supports this loop. It should not obscure it. A member should encounter Coin primarily as:

- a reward for completing something;
- a means of supporting something;
- a way to claim an Offering;
- a visible record that participation carried value;
- a circulation tool that keeps some membership spending available inside the community.

## 3.3 Honesty over artificial generosity

Nysa should not promise a high Coin allocation and then rely on future memberships to cover eventual settlement. If operating costs rise, Nysa should lower the seasonal conversion rate before lowering the reserve standard.

The core principle is:

> Adjust issuance to fit reality. Do not issue the desired amount and hope future reality backs it.

## 3.4 Circulation over hoarding

Rain, Roots, Rootwater, wallet caps, expiration, escrow, and Harvest maturity all create pressure toward use rather than passive accumulation. That pressure should remain understandable and bounded. The system should encourage participation without turning every balance into a maze of penalties.

## 3.5 One currency, limited temporary states

Nysa should avoid creating a proliferation of currencies. Copper, Silver, Gold, and Platinum are denominations of one Coin system. Rootwater is not a second denomination; it is an expiring source condition attached to value while held by the original Root recipient.

When Rootwater is spent, the receiver obtains ordinary Coin. This permits economic circulation without permanent provenance classes following every coin forever.

## 3.6 Ledger truth

Every balance change must be server-authoritative and ledger-owned. Wallet balances are convenient summaries; the immutable ledger is accounting truth. Direct balance edits should be forbidden except through explicitly guarded correction or reversal workflows.

---

# 4. Currency and Denominations

Nysa stores balances in integer Copper.

| Denomination | Copper | Internal Dollar Anchor |
|---|---:|---:|
| 1 Copper | 1 | $0.20 |
| 1 Silver | 10 | $2.00 |
| 1 Gold | 100 | $20.00 |
| 1 Platinum | 1,000 | $200.00 |

The dollar anchor supports membership conversion, reserve accounting, Offering prices, and Harvest calculations. It does not mean that every holder may redeem Coin for cash.

## 4.1 Fractional allocation remainders

Because one Copper represents $0.20, some membership formulas produce half-Copper seasonal allocations. Under the internal 50 percent working assumption:

| Tier | Seasonal Charge | Coin Share | Copper Equivalent |
|---|---:|---:|---:|
| Wanderer | $6 | $3.00 | 15 Copper |
| Explorer | $18 | $9.00 | 45 Copper |
| Wayfinder | $36 | $18.00 | 90 Copper |
| Realmwalker | $75 | $37.50 | 187.5 Copper |
| AtlasWeaver | $300 | $150.00 | 750 Copper |

Nysa should not introduce fractional Copper into member wallets. Instead, the accounting system should preserve a sub-Copper remainder, preferably in cents or a non-spendable internal accrual unit. Whole Copper is credited when the accumulated remainder reaches $0.20.

This remainder is bookkeeping, not another currency. It must remain visible to operators and reconcilable to the exact membership allocation.

---

# 5. Membership, Seasons, and Issuance

## 5.1 Prepaid seasonal billing

Membership uses a canonical ninety-day seasonal cadence. Monthly equivalents may be shown for comprehension, but the member prepays the full season before it begins.

| Tier | Approximate Monthly Equivalent | Seasonal Prepayment |
|---|---:|---:|
| Wanderer | $2 | $6 |
| Explorer | $6 | $18 |
| Wayfinder | $12 | $36 |
| Realmwalker | $25 | $75 |
| AtlasWeaver | $100 | $300 |

Prepayment resolves a fundamental treasury problem: Rain is distributed only after the related membership revenue has been collected. Nysa does not issue seasonal Coin against an unpaid promise.

## 5.2 Seasonal duration

A standard season contains nine ten-day Rain periods, totaling ninety days. Harvest occurs at the seasonal boundary through a dedicated settlement window. Whether the Harvest window overlaps the final Rain period or follows it immediately remains an implementation calendar decision and should be resolved before production scheduling.

## 5.3 Conversion rate

At the start of each season, Nysa sets an internal membership-to-Coin conversion rate. The current admin-only working default is 50 percent. It is an issuance and treasury-planning variable, not a member-facing promise.

The seasonal formulas are:

```text
Seasonal membership charge = canonical tier price for one 90-day season
Seasonal Coin value = seasonal membership charge x conversion rate
Seasonal operating revenue = seasonal membership charge - seasonal Coin value
```

At the internal 50 percent working rate:

| Tier | Seasonal Revenue | Operations Share | Reserve-Backed Coin Share |
|---|---:|---:|---:|
| Wanderer | $6.00 | $3.00 | $3.00 |
| Explorer | $18.00 | $9.00 | $9.00 |
| Wayfinder | $36.00 | $18.00 | $18.00 |
| Realmwalker | $75.00 | $37.50 | $37.50 |
| AtlasWeaver | $300.00 | $150.00 | $150.00 |

## 5.4 Transparency rule

Before members prepay, Nysa should disclose the exact seasonal price and total Coin allocation for every tier. The internal operating/reserve split does not need to be published as a percentage. The exact timing of Rain remains uncertain by design, but the member's total economic entitlement must not be hidden.

In other words:

> The weather may be unpredictable. The budget should not be.

## 5.5 No unbacked convenience minting

Quest rewards, Offering incentives, operator grants, and Aquifer releases should be funded from existing Coin or from newly collected cash that creates matching reserve. Product convenience is not a valid reason to manufacture unbacked Coin.

---

# 6. Rain: Scheduled but Unpredictable Distribution

Rain is the primary membership participation mechanic. It is the periodic delivery of a paid member's seasonal Coin allocation.

## 6.1 The nine-period model

At season creation, Nysa secretly fixes nine positive distribution weights. The weights must:

- total exactly 100 percent;
- contain no zero period;
- remain hidden for future periods;
- be immutable after the season begins, except through a documented emergency correction process;
- distribute the member's full whole-Copper seasonal allocation while preserving any fractional remainder.

An illustrative pattern might be:

| Rain Period | Share of Seasonal Allocation | Forecast Category |
|---|---:|---|
| 1 | 6% | Light |
| 2 | 14% | Heavy |
| 3 | 8% | Light |
| 4 | 17% | Downpour |
| 5 | 5% | Light |
| 6 | 12% | Steady |
| 7 | 9% | Steady |
| 8 | 11% | Steady |
| 9 | 18% | Downpour |
| **Total** | **100%** |  |

This table is illustrative, not canonical. Production policy still needs minimum and maximum intensity bounds.

## 6.2 Qualitative forecast

Members see a qualitative forecast only for the active ten-day period. Suggested labels include:

- Light Rain
- Steady Rain
- Heavy Rain
- Downpour

The forecast should not reveal the exact Copper amount before collection. On collection, the member receives a receipt showing the exact amount credited.

## 6.3 Login-triggered collection

The first authenticated login during an active Rain period automatically collects that period's Rain. Collection must be idempotent: multiple logins do not create duplicate allocations.

A member should see a concise receipt such as:

> Steady Rain collected: 9 Copper. Seven days remain in the current period.

## 6.4 Failure to collect

If the member does not log in during the ten-day period, the Rain expires from personal collection and is routed through the member's active Roots. Any amount not directed through Roots enters the Aquifer.

Expired personal Rain does not disappear. It changes its circulation path.

## 6.5 Rain is not participation-weighted

Members in the same tier receive the same seasonal allocation formula. Rain should not be increased by popularity, engagement, social rank, or behavioral profiling. Quests and other explicit actions may provide separate rewards, but Rain remains a membership allocation.

---

# 7. Roots: Member-Directed Inactivity Routing

Roots let a member decide where part of their uncollected Rain should flow.

## 7.1 Allocation structure

- Maximum active Roots: 5
- Allocation per Root: 15 percent
- Maximum directed allocation: 75 percent
- Undirected remainder: Aquifer
- Root-change cooldown: 10 days

A member with three active Roots directs 45 percent of uncollected Rain. The remaining 55 percent enters the Aquifer.

## 7.2 Eligible Root targets

Roots may point to any active and eligible Nysa subject, including:

- another Avatar;
- a House;
- a Guild;
- a Circle;
- an Event;
- a Place or Venue, if wallet-enabled;
- a Quest or purpose-bound destination, if the system supports direct escrow routing;
- other future card-backed entities with a valid receiving wallet.

The receiving API must remain wallet-truthful. A Card that has no eligible wallet cannot receive Rootwater merely because it appears in search.

## 7.3 Roots express intent, not ownership

A Root is a recurring support preference. It does not grant control, membership, stewardship, governance rights, or reciprocal support.

## 7.4 Root configuration timing

Production implementation must define which Root snapshot governs an expiring Rain period. The preferred rule is to snapshot the member's Roots at the start of each ten-day period. This prevents last-minute routing manipulation and produces an auditable allocation basis.

Self-rooting remains an open policy question. The preferred anti-circumvention rule is to prohibit it, but this has not been ratified.

---

# 8. Rootwater: Temporary Delegated Purchasing Power

Rootwater is created when uncollected Rain is directed to a Root recipient.

## 8.1 Rootwater is a temporary state, not a second currency

Rootwater is denominated in Copper and may be spent on any valid Nysa transaction. It is tracked separately only because it has special expiration and Harvest rules while held by the original recipient.

It does not have a separate exchange rate or separate denominations.

## 8.2 Rootwater rules

Rootwater:

- does not count against ordinary tier-based wallet caps;
- cannot be Harvested while held by the original recipient;
- may be spent anywhere ordinary Coin may be spent;
- may be committed to valid escrow;
- does not expire while committed to active escrow;
- becomes ordinary Coin in the recipient's wallet when spent;
- produces ordinary Coin when paid as a Quest reward;
- returns to the Aquifer if still unused at the end of the following Harvest window.

## 8.3 Expiration

Rootwater has one additional season of life. Rootwater created during Season A remains usable through Season B. If it has not been spent or committed to active escrow by the end of Season B's Harvest window, it returns to the Aquifer.

Expiration is not a company fee and should not become operating revenue. It is an internal circulation return.

## 8.4 Spending converts the recipient's balance to ordinary Coin

When the original Rootwater holder spends 10 Copper of Rootwater on an Offering, the seller receives 10 Copper of ordinary Coin. The ordinary Coin then follows normal wallet cap, maturity, transfer, and Harvest rules.

This permits Rootwater to become mature settlement-eligible value after genuine circulation. The model accepts that related parties could attempt to accelerate conversion. Nysa chooses this controlled porousness over maintaining permanent provenance classes through every downstream transaction.

## 8.5 Rootwater and escrow

Rootwater committed to a valid Quest, Event, Offering, or other purpose-bound escrow is protected from expiration while the escrow remains active. On payout:

- the reward recipient receives ordinary Coin;
- unused escrow returns according to the funding contract;
- returned Rootwater should retain its original expiration basis unless a policy explicitly resets it.

The exact treatment of long-running or repeatedly renewed escrow must be bounded to prevent permanent expiration avoidance.

---

# 9. The Aquifer: Shared Internal Circulation Reservoir

The Aquifer is the shared internal Coin reservoir. It replaces older Dragon Hoard terminology for the pooled economic reserve inside the application.

The Aquifer must not be confused with the external cash reserve account. The distinction is essential:

| Concept | Holds | Purpose |
|---|---|---|
| Cash reserve | Real currency | Backs outstanding Coin and funds Harvest settlement |
| Aquifer | Internal Nysa Coin | Recirculates undirected, expired, returned, or system-pooled value |

## 9.1 Aquifer inflows

Potential Aquifer inflows include:

- the undirected remainder of uncollected Rain;
- expired Rootwater;
- unused system allocations returned under their contracts;
- donations made in Coin;
- purpose-bound escrow returns where the Aquifer was the original sponsor;
- other explicit ledger movements approved by policy.

The Aquifer does not receive company operating revenue by default. It holds Coin, not free operating cash.

## 9.2 Aquifer outflows

A future governed mechanism may release Aquifer Coin to:

- fund Quests;
- support Events;
- provide participation incentives;
- seed community programs;
- respond to economic imbalance;
- fund limited operator-approved public goods.

The old Favor terminology is rejected. The public name and exact authority model for Aquifer releases remain open.

## 9.3 Aquifer governance

Aquifer movement should require:

- a defined actor, normally audited System/Dragon context or authorized operator;
- a stated beneficiary and purpose;
- an idempotency key;
- a ledger transaction group;
- an audit event;
- a reversal or compensation policy;
- bounded amount and rate limits;
- monitoring against concentration and self-dealing.

The Aquifer should act as a circulation catalyst, not as an unlimited reward faucet or concealed operating account.

---

# 10. Wallets, Caps, and Balance Classes

## 10.1 Ordinary personal wallet caps

Exact wallet caps for the canonical five-tier ladder remain open and must be approved as one coherent policy.

| Tier | Ordinary Personal Wallet Cap |
|---|---|
| Wanderer | Open decision |
| Explorer | Open decision |
| Wayfinder | Open decision |
| Realmwalker | Open decision |
| AtlasWeaver | Open decision |

The superseded three-tier 1 / 5 / 10 Platinum cap schedule must not be implemented under the new tier names by analogy. Future caps apply to ordinary liquid personal Coin. Rootwater remains excluded.

House, Guild, Circle, Event, escrow, and Aquifer wallet caps require separate policy because their economic functions differ from a personal wallet.

## 10.2 Why Rootwater is excluded

Counting Rootwater against the ordinary cap could prevent a recipient from receiving support selected by another member. Rootwater already has expiration pressure and cannot be Harvested by the original recipient. It therefore does not require the same cap treatment.

## 10.3 Cap overflow

The system must define what happens when ordinary Coin would exceed a wallet cap. It should not silently destroy earned rewards or fail a completed Quest after the fact.

Candidate approaches include:

1. crediting an overflow-pending balance with a deadline;
2. routing excess to member-selected Roots or the Aquifer;
3. permitting temporary cap exceedance for earned rewards but blocking discretionary inbound transfers;
4. increasing effective caps through explicit entity or capability rules.

No approach is yet ratified. Production code should not invent one locally.

## 10.4 Wallet classes

The implementation should distinguish at least:

- ordinary Avatar wallets;
- entity wallets;
- House wallets;
- escrow wallets;
- Aquifer wallet or wallets;
- system/operator wallets;
- temporary Rootwater sub-balances or lots.

These are accounting containers, not separate public currencies.

---

# 11. Transfers, Quests, Offerings, and Escrow

## 11.1 Transfers

Nysa supports internal transfers through pending transfer contracts rather than immediate client-authoritative movement.

A safe transfer lifecycle is:

1. create a pending offer or payment request;
2. reserve funds where necessary;
3. require the appropriate party to accept;
4. post movement through the ledger;
5. release reservations on rejection, cancellation, or expiry;
6. use compensating ledger rows for reversal rather than deleting history.

Transfer creation itself should not post final ledger movement.

## 11.2 Quests

Quests are participation contracts. Funding sits in escrow before rewards are payable. Completion proof and reward payment are separate events:

- a QR scan, sigil, card inspection, visit, listen, or manual approval records progress;
- the member explicitly completes the Quest;
- the reward is paid from escrow as ordinary Coin;
- duplicate reward requests replay the same result and do not double-pay.

Rootwater may fund Quest escrow. Rewards paid from that escrow are ordinary Coin.

## 11.3 Offerings

Offerings are card-backed claims, tips, tickets, reservations, support requests, or other valid transactions. They resolve payment to the controller's wallet through the ledger.

Rootwater may be used for Offerings. The controller receives ordinary Coin.

## 11.4 Escrow

Escrow is purpose-bound reserved value. It should identify:

- sponsor or funding source;
- amount and source balance condition;
- purpose;
- beneficiary;
- payout rule;
- expiry or completion rule;
- unused-fund return rule;
- cancellation and reversal behavior.

Escrow must not become a device for indefinitely preventing Rootwater expiration. Long-running escrow should have purpose, duration, and review limits.

---

# 12. Harvest: Limited House Settlement

Harvest is Nysa's narrow bridge from internal Coin to cash settlement.

## 12.1 Harvest is not universal redemption

Avatars do not cash out ordinary wallet balances. Guilds, Circles, Events, Places, and other entities do not automatically receive Harvest rights merely because they possess wallets.

The current intended settlement class is approved Houses operated under qualifying higher-tier authority. The exact capability mapping should be centralized, not scattered across route code.

A probable launch direction under the canonical membership ladder is:

- Wanderer: no ordinary Harvest capability;
- Explorer: no ordinary Harvest capability;
- Wayfinder: may become eligible to operate one qualifying House and use a bounded Harvest path when all separate authority and policy checks pass;
- Realmwalker: may become eligible across a larger professional or multi-Entity operating envelope;
- AtlasWeaver: may become eligible under an institutional operating envelope and separately defined settlement controls;
- Admin/system override: audited correction only, not ordinary economic privilege.

Tier creates an eligibility envelope; it never proves authority over an exact House. Harvest still requires active membership standing, active Entity standing, an exact operator or Steward relationship, the named capability, mature eligible value, limits, safety compliance, and no blocking restriction.

## 12.2 Maturity

Coin must mature before becoming Harvest-eligible. The retained baseline is ninety days. Maturity should be measured from the qualifying inbound transaction, not merely from account age or House creation date.

## 12.3 Eligible and ineligible value

Likely eligible value:

- ordinary Coin received by an eligible House through valid Offerings, services, patronage, transfers, or other approved commerce;
- ordinary Coin that originated as spent Rootwater, after it enters the House as ordinary Coin and completes maturity;
- other specifically approved mature House revenue.

Ineligible value while in its restricted state:

- Rootwater held by the original Root recipient;
- active escrow;
- reserved transfer amounts;
- pending Rain;
- uncollected Rain;
- Aquifer balances;
- operator/system allocations that have not entered ordinary circulation;
- immature ordinary Coin.

## 12.4 Harvest payout formula

The current intended payout is the lesser of:

1. one-third of the House's mature eligible balance; or
2. 133 percent of the House's seasonal membership cost.

```text
Harvest payout = min(
  mature eligible House balance / 3,
  seasonal membership charge x 1.33
)
```

Illustrative ceilings:

| Illustrative Qualifying Tier | Seasonal Charge | Membership-Linked Harvest Ceiling |
|---|---:|---:|
| Wayfinder | $36 | $47.88 |
| Realmwalker | $75 | $99.75 |
| AtlasWeaver | $300 | $399.00 |

Examples:

| Mature Eligible Balance | One-Third | Wayfinder Payout | Realmwalker Payout | AtlasWeaver Payout |
|---:|---:|---:|---:|---:|
| $30 | $10 | $10 | $10 | $10 |
| $90 | $30 | $30 | $30 | $30 |
| $300 | $100 | $47.88 | $99.75 | $100 |
| $900 | $300 | $47.88 | $99.75 | $300 |
| $1,500 | $500 | $47.88 | $99.75 | $399.00 |

## 12.5 Settlement should retire Coin

Under the recommended full-reserve model, Harvested Coin should be retired or burned when cash is paid. The corresponding reserve liability and cash leave together.

Editing or deleting historical ledger rows is prohibited. Retirement should be recorded as a settlement transaction group.

## 12.6 Harvest timing and repeated eligibility

Unless policy creates an expiry, mature unharvested Coin remains eligible in later windows. Therefore, the one-third limit is primarily a liquidity throttle, not a reduction of ultimate liability.

If Nysa later wants eligibility to expire, that must be disclosed as a separate economic rule. It should not be inferred from a skipped Harvest window.

---

# 13. Reserve Policy Alternatives

The reserve question is not simply, "How much can Houses withdraw next season?" It is, "What promise does outstanding Coin represent, and what happens if growth stops?"

## 13.1 Alternative A: Full outstanding Coin reserve

Nysa holds reserve cash equal to the face value of all outstanding backed Coin, regardless of current wallet or eligibility state.

**Advantages**

- simplest and most honest public claim;
- strongest wind-down protection;
- no dependence on future memberships to cover old Coin;
- easy reserve ratio;
- no need to determine reserve obligations at every transaction.

**Disadvantages**

- reserves a large portion of cash;
- reduces operating flexibility;
- demands disciplined segregation and reconciliation.

Public claim:

> Every membership-funded Nysa Coin in circulation is fully backed at its stated value.

## 13.2 Alternative B: Full mature eligible liability reserve

Nysa reserves only mature Coin currently eligible for Harvest.

**Advantages**

- more operating capital;
- every currently exercisable settlement right is covered;
- reserve scales with actual Harvest liability rather than all circulation.

**Disadvantages**

- every transaction into an eligible House may create a new reserve obligation without bringing in cash;
- requires exact maturity and eligibility accounting;
- ordinary Coin may carry invisible latent reserve consequences;
- public explanation is narrower.

Public claim:

> Every dollar currently eligible for Harvest is fully reserved.

## 13.3 Alternative C: Next-Harvest exposure reserve

Nysa reserves only the maximum amount payable in the next Harvest window, perhaps with a buffer.

**Advantages**

- releases the most cash for operations;
- directly addresses near-term liquidity;
- simple short-term treasury target.

**Disadvantages**

- does not back the outstanding long-term liability;
- depends on future membership or revenue;
- vulnerable to contraction or closure;
- cannot honestly be called full backing.

Public claim:

> Nysa maintains a payout reserve for the next Harvest window.

## 13.4 Alternative D: Hybrid reserve

A mature system could reserve the greatest of:

- 100 percent of mature Harvest-eligible Coin;
- two full Harvest windows of maximum authorized payouts;
- 50 percent of all other outstanding ordinary Coin.

This preserves meaningful protection while releasing some capital. It is a possible later-stage policy, not the preferred launch policy.

---

# 14. Canonical Treasury Policy

## 14.1 Launch with full backing

Alternative A is the canonical launch policy.

The policy should read:

> Nysa fully reserves all Coin issued from prepaid membership revenue. The company sets an internal seasonal Coin-conversion rate before each season based on operating capacity. That internal rate may rise or fall, but the exact member allocation is disclosed before purchase and every Coin issued under the rate is fully backed.

## 14.2 Segregate cash reserve from operations

Reserve cash should be held separately from ordinary operating cash. At minimum, the accounting system should maintain:

- collected membership revenue;
- operating share;
- required reserve contribution;
- actual reserve cash;
- outstanding backed Coin;
- reserve surplus or deficit;
- pending chargebacks or refunds;
- Harvest payments;
- Coin retired through settlement.

## 14.3 Reserve formula

```text
Required reserve = face value of all outstanding backed Coin
Reserve ratio = actual segregated reserve / required reserve
```

For a fully backed system, the reserve ratio should never fall below 100 percent.

## 14.4 Movements that do not change reserve requirement

The following move existing Coin but do not create or destroy it:

- Rain collection;
- uncollected Rain routing;
- Rootwater credit;
- Aquifer movement;
- transfers;
- Quest funding;
- Quest rewards from funded escrow;
- Offering claims and tips;
- escrow reservation and release.

## 14.5 Movements that change reserve requirement

The reserve requirement increases when:

- Nysa issues new backed Coin from newly collected cash;
- an external cash contribution is converted into newly issued Coin.

It decreases when:

- Coin is Harvested and retired;
- Coin is explicitly burned under a disclosed policy;
- a refund reverses issuance before the Coin has circulated, through a controlled transaction.

Coin returning to the Aquifer does not reduce reserve. It remains outstanding internal Coin.

## 14.6 Review after four seasons

After four completed seasons, Nysa may evaluate a hybrid reserve only if it can prove:

- exact outstanding supply;
- exact reserve cash;
- maturity by transaction lot;
- eligible House liability;
- Rootwater creation, spending, escrow, and expiration;
- Aquifer composition;
- maximum next-Harvest exposure;
- chargeback and refund history;
- zero unexplained ledger imbalance.

A successful launch is not sufficient evidence. The model should survive multiple seasonal cycles, a weak revenue season, and a correction drill.

---

# 15. Scenario Analysis

The following internal scenarios use the admin model's 50 percent working conversion rate and the illustrative canonical tier mix:

- 50 percent Wanderer;
- 25 percent Explorer;
- 15 percent Wayfinder;
- 8 percent Realmwalker;
- 2 percent AtlasWeaver.

The member mix is illustrative.

## 15.1 Pilot cohort: 20 members

Assume:

- 10 Wanderers;
- 5 Explorers;
- 3 Wayfinders;
- 2 Realmwalkers;
- 0 AtlasWeavers.

| Measure | Amount |
|---|---:|
| Seasonal membership revenue | $408.00 |
| Operations share at 50% | $204.00 |
| Coin issuance value | $204.00 |
| Full reserve requirement | $204.00 |
| Copper-equivalent issued | 1,020 Copper |

If two Wayfinder Houses and one Realmwalker House each have enough mature value to reach their membership-linked ceilings, the maximum combined payout before the one-third balance test is:

```text
2 x $47.88 + 1 x $99.75 = $195.51
```

Full reserve remains greater than the immediate Harvest maximum, as expected.

## 15.2 Community cohort: 100 members

Assume:

- 50 Wanderers;
- 25 Explorers;
- 15 Wayfinders;
- 8 Realmwalkers;
- 2 AtlasWeavers.

| Tier | Members | Seasonal Revenue | Coin Share at 50% |
|---|---:|---:|---:|
| Wanderer | 50 | $300.00 | $150.00 |
| Explorer | 25 | $450.00 | $225.00 |
| Wayfinder | 15 | $540.00 | $270.00 |
| Realmwalker | 8 | $600.00 | $300.00 |
| AtlasWeaver | 2 | $600.00 | $300.00 |
| **Total** | **100** | **$2,490.00** | **$1,245.00** |

| Measure | Amount |
|---|---:|
| Operations cash | $1,245.00 |
| Required full reserve | $1,245.00 |
| Copper-equivalent issued | 6,225 Copper |

Assume five Wayfinder Houses, three Realmwalker Houses, and one AtlasWeaver institution can reach their membership-linked ceilings:

```text
5 x $47.88 + 3 x $99.75 + 1 x $399.00 = $937.65
```

A next-Harvest-only reserve with a 25 percent buffer would be:

```text
$937.65 x 1.25 = $1,172.06
```

That would free more operating cash, but it would cover only immediate payout exposure, not all outstanding Coin.

## 15.3 Regional cohort: 1,000 members

Assume:

- 500 Wanderers;
- 250 Explorers;
- 150 Wayfinders;
- 80 Realmwalkers;
- 20 AtlasWeavers.

| Measure | Amount |
|---|---:|
| Seasonal membership revenue | $24,900.00 |
| Operations share at 50% | $12,450.00 |
| Coin issuance value | $12,450.00 |
| Full reserve requirement | $12,450.00 |
| Copper-equivalent issued | 62,250 Copper |

At this scale, reserve governance becomes an operational system rather than a spreadsheet exercise. Segregated banking, reconciliations, dual control, independent review, and documented treasury authority become necessary.

## 15.4 Long-term reserve comparison

Assume after several seasons:

- total outstanding backed Coin: $10,000;
- mature Harvest-eligible House Coin: $3,000;
- maximum next-Harvest payout: $700.

| Reserve Policy | Required Reserve |
|---|---:|
| Full outstanding Coin reserve | $10,000 |
| Full mature eligible liability | $3,000 |
| Next Harvest plus 25% | $875 |
| Hybrid: max of eligible liability, two Harvests, and 50% of other Coin | $3,500 |

The next-Harvest model is inexpensive because it postpones responsibility into future seasons. The full reserve model is expensive because it accepts responsibility immediately.

## 15.5 Conversion-rate sensitivity

For the 100-member cohort with $2,490 seasonal revenue:

| Conversion Rate | Coin Issuance / Reserve | Operations Cash |
|---|---:|---:|
| 30% | $747.00 | $1,743.00 |
| 40% | $996.00 | $1,494.00 |
| 50% | $1,245.00 | $1,245.00 |
| 60% | $1,494.00 | $996.00 |
| 70% | $1,743.00 | $747.00 |

This table shows why the conversion rate should be the primary operational lever. Nysa can maintain full backing at any rate, provided the rate is set before issuance and the matching cash is reserved.

---

# 16. Risk, Abuse, and Failure Modes

## 16.1 Related-party Rootwater conversion

Two controlled accounts could use an Offering or transfer to convert Rootwater into ordinary Coin. The current policy accepts this possibility because:

- Rootwater arises only after a full missed Rain period;
- it cannot be Harvested by the original recipient;
- it has a one-season expiration;
- conversion requires an actual recorded transaction;
- downstream Harvest still requires entity eligibility, maturity, one-third throttling, and a membership-linked ceiling.

Nysa should monitor suspicious circular trading, self-dealing, rapid reciprocal transactions, and repeated zero-substance Offerings. It should not create permanent currency classes merely to eliminate every theoretical route.

## 16.2 Quest reward farming

Controls should include:

- per-Avatar completion limits;
- cooldowns;
- proof-type requirements;
- idempotent completion and payout;
- sponsor pool limits;
- operator review for subjective tasks;
- anomaly monitoring by Quest, issuer, and participant.

## 16.3 Aquifer capture

Dominant Houses or operators could steer Aquifer releases toward themselves. Controls should include:

- published allocation purpose;
- authority separation;
- amount caps;
- conflict disclosure;
- concentration reporting;
- historical allocation visibility;
- no direct operator cash benefit.

## 16.4 Reserve misuse

The greatest treasury risk is treating reserve cash as temporarily available operating cash. Preventive controls should include:

- segregated account;
- dual authorization for withdrawals;
- automated reserve ratio monitoring;
- monthly reconciliation;
- seasonal public summary;
- board or advisory approval for any policy change;
- immediate freeze on new Coin issuance if reserve falls below 100 percent.

## 16.5 Chargebacks and refunds

Prepaid revenue may be reversed after Coin issuance. Nysa should:

- delay large allocations until payment settlement where practical;
- maintain a chargeback contingency above the exact reserve minimum;
- define whether refunded memberships cancel uncollected future Rain;
- never claw back spent Coin through arbitrary balance edits;
- use a documented deficit and recovery policy.

## 16.6 Wallet cap circumvention

Members may spread value across Avatars or controlled entities. Wallet caps should therefore be understood as circulation controls, not perfect wealth limits. Authority and related-party reporting matter more than pretending one wallet cap prevents all accumulation.

## 16.7 Long-lived escrow as expiration avoidance

Rootwater could be parked in nominal escrow to avoid return to the Aquifer. Escrow should require:

- a real purpose;
- an active contract;
- a bounded duration;
- a beneficiary;
- a payout or return rule;
- periodic review for dormant escrow.

## 16.8 Ledger divergence

Cached wallet balances may disagree with the immutable ledger. The system must surface discrepancies rather than silently repair them from a read endpoint. Corrections require a controlled, audited, compensating process.

## 16.9 Regulatory classification

The combination of stored value, transfers among multiple parties, internal commerce, and limited cash settlement requires professional legal review. Product language should avoid claiming that Nysa is exempt from financial regulation merely because it is local, playful, or non-speculative.

---

# 17. Governance, Transparency, and Member Communication

## 17.1 Seasonal economic notice

Before each season, Nysa should publish:

- membership prices;
- seasonal charge;
- total Coin allocation by tier;
- wallet caps;
- Root rules;
- Rootwater expiration rule;
- Harvest eligibility and caps;
- reserve policy;
- material changes from the prior season.

Future Rain intensities remain secret, but the economic constitution does not.

## 17.2 Seasonal reserve report

At each seasonal close, Nysa should publish a plain-language report containing:

- opening reserve cash;
- new reserve contributions;
- total Coin issued;
- Coin retired through Harvest;
- Harvest cash paid;
- closing outstanding backed Coin;
- required reserve;
- actual reserve;
- reserve ratio;
- Aquifer Coin balance;
- Rootwater created, spent, escrowed, expired, and returned;
- unresolved accounting discrepancies.

Sensitive account-level information should remain private.

## 17.3 Policy authority

Economic policy should be configuration-driven and versioned. Changes should identify:

- effective season;
- approving authority;
- reason;
- affected members and balances;
- migration treatment for existing value;
- rollback or correction plan.

## 17.4 Public language

Preferred explanations:

- "Rain is the portion of your seasonal Coin allocation available during the current ten-day period."
- "Roots direct part of missed Rain toward people and things you choose."
- "Rootwater is temporary Coin you received through someone else's Roots. Spend it before the end of the next Harvest window or it returns to the Aquifer."
- "The Aquifer is Nysa's shared pool of internal Coin."
- "Harvest is a limited settlement path for eligible mature House revenue."

Avoid language implying investment return, passive income, guaranteed vendor profit, or universal cash redemption.

---

# 18. Accounting and Technical Architecture

## 18.1 Core objects

A production implementation should support at least:

- Membership Season
- Membership Subscription or Seasonal Enrollment
- Seasonal Conversion Policy
- Rain Schedule
- Rain Entitlement
- Rain Collection Receipt
- Root Assignment
- Root Snapshot
- Rootwater Lot or Expiring Balance Component
- Wallet
- Ledger Row
- Ledger Transaction Group
- Transfer Contract
- Escrow Contract
- Aquifer Wallet or Derived Aquifer View
- Maturity Lot
- Harvest Request
- Harvest Settlement
- Reserve Snapshot
- Audit Event

## 18.2 Ledger transaction families

Illustrative transaction types include:

- membership_coin_issue
- rain_collect
- rain_expire
- rootwater_credit
- rain_to_aquifer
- rootwater_spend
- rootwater_expire
- rootwater_to_aquifer
- transfer_reserve
- transfer_accept
- transfer_release
- quest_escrow_fund
- quest_reward
- offering_tip
- offering_claim
- escrow_return
- aquifer_release
- harvest_settlement
- coin_retirement
- compensating_reversal

Historical transaction types should not be silently renamed. Migration mappings must preserve audit meaning.

## 18.3 Rootwater representation

Rootwater should be implemented as expiring lots or a restricted wallet component with:

- original recipient;
- originating Rain period;
- originating member and Root assignment;
- amount remaining;
- created date;
- expiration Harvest window;
- escrow commitment state;
- spent amount;
- returned amount;
- status.

When spent, the ledger debits the Rootwater lot and credits ordinary Coin to the receiver. This is the conversion boundary.

## 18.4 Maturity representation

Harvest eligibility requires transaction-level or lot-level maturity. A single undifferentiated House balance is insufficient.

A maturity lot should track:

- source transaction group;
- amount received;
- eligible entity and wallet;
- received date;
- maturity date;
- eligible amount remaining;
- ineligible reason, if any;
- Harvested amount;
- reversed or disputed amount.

## 18.5 Reserve accounting

The reserve ledger should reconcile:

```text
Opening required reserve
+ newly issued backed Coin
- retired Harvested Coin
- other authorized burns
= closing required reserve
```

The cash account should reconcile independently:

```text
Opening reserve cash
+ reserve deposits
- Harvest cash payouts
- authorized reserve refunds
= closing reserve cash
```

Any difference between required reserve and actual reserve is a critical condition.

## 18.6 Mutation safety

Every economic mutation should define:

- authenticated actor;
- acting context;
- subject and wallet authority;
- preconditions;
- affected wallets;
- ledger transaction types;
- idempotency key;
- expected terminal result;
- domain audit row;
- console event;
- cancellation or reversal policy;
- rate and amount limits;
- cleanup and test requirements.

## 18.7 Read-side safety

Read endpoints must not:

- create schema;
- repair balances;
- assign Rain;
- collect Rain merely because a diagnostic page was read;
- change Roots;
- return or spend Rootwater;
- mature Coin;
- settle Harvest;
- create transfers or escrow.

Login-triggered Rain collection belongs to the authenticated login/session workflow, not to arbitrary wallet reads.

---

# 19. Phased Rollout and Validation

## Phase 1: Read-only economic constitution

Deliver:

- member explanation;
- operator policy dashboard;
- wallet classification;
- ledger-derived balances;
- Rain schedule simulation;
- Root configuration preview;
- Rootwater lifecycle simulation;
- reserve scenario dashboard;
- Harvest eligibility simulation.

No production mutation.

## Phase 2: Membership and reserve issuance proof

Prove with controlled fixtures:

- prepaid enrollment;
- conversion-rate locking;
- reserve contribution;
- exact seasonal entitlement;
- fractional remainder handling;
- no duplicate issuance;
- cancellation before Rain begins;
- reserve reconciliation.

## Phase 3: Rain collection and expiry proof

Prove:

- secret positive schedule totals 100 percent;
- qualitative forecast;
- login-triggered idempotent collection;
- uncollected expiry;
- Root snapshot use;
- Aquifer remainder;
- no double collection;
- correct seasonal total.

## Phase 4: Rootwater proof

Prove:

- credit to all valid target types;
- exclusion from ordinary cap;
- inability to Harvest in original wallet;
- spending on arbitrary valid transactions;
- conversion to ordinary Coin for receiver;
- escrow pause;
- one-season expiration;
- Aquifer return;
- no permanent stale lots.

## Phase 5: Harvest shadow ledger

Before real cash settlement, run a shadow Harvest for multiple seasons:

- identify eligible Houses;
- calculate maturity;
- apply one-third limit;
- apply membership-plus-33-percent ceiling;
- calculate reserve impact;
- simulate Coin retirement;
- test reversals and disputes;
- compare shadow payout to actual treasury capacity.

## Phase 6: Limited settlement pilot

Suggested pilot:

- small allowlist of qualifying Wayfinder, Realmwalker, and AtlasWeaver Houses under exact operator authority;
- low aggregate payout ceiling;
- exact confirmation and operator review;
- segregated reserve account;
- independent reconciliation;
- immediate disable gate;
- published pilot report;
- no automatic cash payout.

## Phase 7: Seasonal production

Broader activation requires:

- multiple clean shadow seasons;
- zero unexplained ledger variance;
- reserve ratio at or above policy;
- successful correction and reversal drills;
- completed legal, accounting, and tax review;
- operator acceptance of diagnostics;
- member-facing terms and disclosures.

---

# 20. Open Decision Register

The following questions remain unresolved and should not be silently answered by implementation:

1. **Seasonal allocation notice and lock timing.** Publish each tier's exact seasonal Coin allocation and the 100-percent-backing promise before purchase while keeping the internal conversion percentage admin-only; decide how far in advance allocations lock and how a change affects an already prepaid membership.
2. **Harvest calendar.** Does the ten-day Harvest window overlap the ninth Rain period or begin after the ninety-day Rain season?
3. **Canonical personal wallet caps.** Exact ordinary Coin caps remain open for Wanderer, Explorer, Wayfinder, Realmwalker, and AtlasWeaver. Rootwater remains excluded.
4. **Entity wallet caps.** Personal caps are adopted; House and other entity caps are not.
5. **Harvest capability mapping.** The intended class is qualifying Houses operated within Wayfinder, Realmwalker, or AtlasWeaver envelopes; exact standing, relationship, capability, Entity-state, and limit rules remain to be formalized.
6. **Root self-targeting.** Any eligible subject may be a Root target, but self-rooting has not been explicitly approved.
7. **Root snapshot timing.** Start-of-period snapshot is recommended.
8. **Rain intensity bounds.** All periods must be positive, but minimum and maximum percentages are not set.
9. **Forecast taxonomy.** Labels and threshold ranges remain configurable.
10. **Wallet overflow.** Excess ordinary Coin handling is unresolved.
11. **Aquifer release mechanic.** Former Favor terminology is rejected; replacement name, authority, expiry, and allocation rules remain open.
12. **Escrow renewal limits.** Rootwater should not be parked indefinitely through nominal escrow.
13. **Refunds and chargebacks.** Treatment after partial Rain collection needs a full policy.
14. **Harvest eligibility lifespan.** Current direction implies mature value remains eligible across later windows.
15. **Reserve contingency.** A full reserve plus a chargeback or operating contingency may be prudent; the buffer percentage is unsettled.
16. **Public attestation method.** Internal report, accountant review, or independent reserve attestation.
17. **Legal and tax classification.** Requires professional review before settlement scale.

---

# 21. Conclusion

Nysa's economic model is strongest when its poetry and accounting agree.

Rain makes membership value periodic and participatory. Roots make inactivity directional rather than inert. Rootwater gives delegated support a temporary life without creating a permanent second currency. The Aquifer keeps undirected and expired value inside the community circulation system. Wallet caps and maturity discourage immediate extraction. Harvest gives eligible Houses a narrow path to settlement without promising universal cash redemption.

The model is not simple, but its central promise can be:

> Nysa includes a disclosed allocation of fully backed internal Coin with each seasonal membership. That Coin circulates through participation, support, Quests, Offerings, Roots, Rootwater, and the Aquifer. Only mature, eligible House value may leave through a limited Harvest process.

The recommended launch discipline is equally simple:

- set the conversion rate conservatively;
- reserve every issued Coin in full;
- never mutate balances outside the ledger;
- prove Rain, Rootwater, maturity, and Harvest in shadow systems before public settlement;
- publish the seasonal numbers;
- loosen reserve policy only after several seasons of evidence, not because the treasury looks briefly abundant.

Nysa can afford unpredictable Rain. It cannot afford an imaginary reservoir.

---

# Appendix A. Canonical Formula Sheet

## Seasonal membership

```text
Seasonal charge = canonical price for one 90-day membership season
```

## Seasonal Coin allocation

```text
Seasonal Coin value = seasonal charge x seasonal conversion rate
Seasonal Copper equivalent = seasonal Coin value / $0.20
```

## Rain schedule

```text
Sum of nine positive Rain weights = 100%
Period Rain = seasonal allocation x active period weight
```

Whole-Copper crediting must preserve fractional remainder.

## Root routing

```text
Directed percentage = active Root count x 15%
Maximum directed percentage = 75%
Aquifer percentage = 100% - directed percentage
```

## Harvest

```text
Harvest payout = min(
  mature eligible balance / 3,
  seasonal membership charge x 1.33
)
```

## Full reserve

```text
Required reserve = outstanding backed Coin face value
Reserve ratio = actual reserve cash / required reserve
```

---

# Appendix B. Member Lifecycle Example

1. A Wayfinder prepays $36 for the season.
2. The admin model uses its internal 50 percent conversion assumption for that season.
3. The purchase terms disclose a 90-Copper seasonal allocation; internally, $18 becomes operating revenue and $18 enters the reserve.
4. The member receives that 90-Copper allocation across nine uneven Rain periods.
5. In Period 1, the forecast is Light Rain. The member logs in and automatically collects 5 Copper.
6. In Period 2, the forecast is Heavy Rain. The member does not log in.
7. The member has four Roots. Sixty percent of the missed Rain becomes Rootwater divided among those four recipients. Forty percent enters the Aquifer.
8. A Root recipient spends 8 Rootwater on an Offering. The seller receives 8 ordinary Copper.
9. Another recipient commits 12 Rootwater to Quest escrow. A participant completes the Quest and receives 2 ordinary Copper.
10. Unused Rootwater remains available through the next season. At the end of the following Harvest window, any unspent and unescrowed amount returns to the Aquifer.
11. A qualifying House receives ordinary Coin from Offerings. After ninety days, eligible amounts may enter the Harvest calculation.
12. The House's payout is limited by both the one-third rule and its membership-linked ceiling.
13. Harvested Coin is retired and matching reserve cash is paid.

---

# Appendix C. Glossary

**Account** - Login, custody, billing, recovery, and audit identity.

**Avatar** - Member's in-world actor and ordinary personal economic identity.

**Aquifer** - Shared internal Coin reservoir receiving undirected Rain, expired Rootwater, and other policy-approved returns.

**Cash Reserve** - Real money held to back outstanding issued Coin and fund Harvest payouts. Not the Aquifer.

**Coin** - Nysa's internal unit of account and exchange, stored in Copper.

**Conversion Rate** - Admin-only percentage of prepaid seasonal membership revenue converted into reserve-backed Coin; members see the resulting exact tier allocation instead.

**Copper** - Base integer denomination, anchored at $0.20.

**Escrow** - Purpose-bound reserved Coin awaiting completion, payout, cancellation, or return.

**Harvest** - Limited settlement window for mature, eligible House-held Coin.

**House** - Approved operational entity that may qualify for Harvest under tier and authority rules.

**Maturity** - Waiting period before qualifying House Coin becomes Harvest-eligible, presently intended as ninety days.

**Rain** - Periodic availability of a paid member's seasonal Coin allocation.

**Root** - Member-selected support destination receiving 15 percent of uncollected Rain.

**Rootwater** - Temporary expiring purchasing power received through a Root. It is non-Harvestable in the original recipient's wallet and becomes ordinary Coin when spent.

**Season** - Prepaid ninety-day membership and Rain cycle.

**Wallet** - Server-authoritative balance container summarized from ledger activity.

**Wanderer** - Canonical base paid membership tier. It receives funded standing, a small seasonal Rain allocation, and no ordinary Harvest privilege.

---

# Appendix D. Internal Source Basis

This paper consolidates and updates the following internal Nysa materials:

- Nysa V6 Curated Transfer - All In One, July 7, 2026.
- Lane 3 - Aquifer, Rain, Roots, Favor, and Harvest Read Foundation, July 2026.
- NysaQuest All Surviving Documents - Combined Context Export, July 21, 2026.
- Nysa V5 Participation Gap-Filling Document, June 15, 2026.
- Nysa V5 Wallet / Economy, Transfer, Offering, Quest, Identity, and Observability contracts.
- Economic policy decisions made in the July 21, 2026 NysaQuest design session.

Where older documents conflict with the decisions recorded in this paper, the newer adopted policy and the Open Decision Register control.