---
description: >-
  Merchants can accelerate the release of escrowed funds by achieving specific
  tiers.
---

# Utility 2 - Merchant Early Withdrawal

To facilitate smoother operations and better cash flow management for merchants within the FrogPay ecosystem, we have designed a structured early withdrawal system. This system is linked to both the amount of $FRGP tokens staked and the accumulation of reputation points, which collectively expedite the accessibility of funds post-transaction, thus enhancing liquidity and operational efficiency for businesses.



**Early Withdrawal Tiers Explained**

Merchants can accelerate the release of escrowed funds by achieving specific tiers, which are detailed as follows:

*   **Standard Tier**:

    * **Staking Requirement**: No $FRGP staking necessary.
    * **Reputation Points**: N/A.
    * **Early Withdrawal Window**: Access to funds after the standard dispute resolution window.
    * **Benefits**: Default tier for all merchants, providing basic post-dispute access to funds.


* **Bronze Tier**:
  * **Staking Requirement**: 1,000 $FRGP.
  * **Reputation Points**: 100 points.
  * **Early Withdrawal Window**: Access to 75% of the duration of the dispute resolution window.
  * **Benefits**: Reduces the waiting period by 25%, aiding merchants who begin to engage with the system’s staking and reputation mechanisms.



* **Silver Tier**:
  * **Staking Requirement**: 5,000 $FRGP.
  * **Reputation Points**: 500 points.
  * **Early Withdrawal Window**: Access to funds at 50% of the dispute window.
  * **Benefits**: A significant reduction in the waiting time, tailored for merchants with moderate engagement in both staking and quality service delivery.



* **Gold Tier**:
  * **Staking Requirement**: 10,000 $FRGP.
  * **Reputation Points**: 1,000 points.
  * **Early Withdrawal Window**: Access to funds at 25% of the dispute window.
  * **Benefits**: Designed for highly committed merchants, this tier offers a substantial reduction in fund accessibility time, facilitating better cash flow management.



* **Platinum Tier**:
  * **Staking Requirement**: 20,000 $FRGP.
  * **Reputation Points**: 5,000 points.
  * **Early Withdrawal Window**: Immediate access to funds with no waiting period.
  * **Benefits**: The highest tier, offering instant withdrawal capabilities, ideal for large-scale merchants committed to excellence in service and substantial platform engagement.



**Reputation System Integration**

Integral to these tiers is the reputation system, which serves as a barometer for a merchant's reliability and quality of service. This system is designed to reward merchants for each transaction completed without disputes and for receiving positive feedback from customers:

* **Point Accumulation**: Merchants earn points for transactions that meet or exceed customer expectations and remain undisputed.
* **Benefits**: Higher points lead to improved service visibility on the platform, reduced transaction fees, and eligibility for special promotions, thereby enhancing the overall merchant experience and profitability.
* **Dynamic Assessment**: Reputation points are periodically assessed to ensure that they accurately reflect the current service levels of merchants, encouraging consistent quality and reliability.

By aligning stakeholder incentives with the ecosystem's health, this dual-tier system of staking and reputation not only supports FrogPay’s operational efficiency but also bolsters trust and user satisfaction across the platform. This strategic approach ensures that both new and established merchants have clear pathways to improve their service delivery and financial management within the Frogpay ecosystem.
