PV model — every scenario, every wallet 💰
One referred customer, every path she can take. Each card shows the three wallets: YOU (Petdayz profit), REF (Aina, the referrer), BUYER (Priya, the friend). No auto-charge anywhere — every rupiah on this page is cash actually collected. Numbers use the RM79 fish oil (60 PV).
Assumptions
RM79 SKU = 60 PV · COGS 35% (RM27.65)
fulfilment RM8/shipment · 3-pack RM225 (RM75/tub)
L1/L2/L3 = 15/10/5% of PV as points · 100 pts = RM1.50 · prize bar 600 PV = free product
🔗 Priya clicks Aina's linkpetdayz.com/r/aina88 · 30-day cookie
Does Priya buy?
👻 S1 · Never buys
YOURM0 — zero cost. No sale, no PV, nothing owed.
You gained a warm lead (cookie lives 30 days).
REF0 pts + 0 PV — clicks alone never pay. No click-fraud economy exists.
BUYERSaw the brand. Maybe next payday.
🛍️ S2 · One-time buy, RM79 (60 PV)
YOUcollect RM79 − COGS RM27.65 − upline L1 RM9.00 in points (600 pts, ≈RM7.20 real) − Priya's 79 pts (RM1.19) ≈ +RM41 profit.
REF+RM9.00 in points (600 pts) + 60 PV lands on her prize bar — 10% toward the next free product (600 PV).
BUYERPays RRP + shipping, earns 79 pts (≈RM1.19).
🏷️ S3 · Promo buy, RM49 (37 PV)
YOUcollect RM49 − COGS RM27.65 − fulfilment RM8 − upline L1 RM5.55 in points ≈ +RM8 — thin, but positive.
REF+RM5.55 in points + 37 PV on the bar — discounted sale, so less PV, automatically.
BUYERScored the deal at RM49, still earns 49 pts.
…Priya keeps reordering 👇
📦 S4 · 3-Pack, RM225 (171 PV)
YOUcollect RM225 day 1 (cash upfront!) − COGS RM83 − fulfilment RM24 − upline L1 RM25.65 in points (~RM20.50 real) − Priya's 225 pts (RM3.38) ≈ +RM92
REF+RM25.65 in points + 171 PV — bar is 29% full from ONE friend's pack.
BUYERRM75/tub, ships every 8 weeks, never runs out — paid once, skip/reschedule via WhatsApp.
🔔 S5 · Reminder repeats ×3 (1 year)
YOUthree more RM79 one-times after WhatsApp/email nudges — no cart abandonment, no chasing — collect RM237 more ≈ +RM110 more profit.
REF+RM27 in points (15% × 3 × 60 PV) + 180 PV more on the bar.
BUYERNudged ~7 days before the tub runs out, reorders in one tap, pays fresh each time.
💎 S6 · Full year (pack + repeats)
YOUpack (RM225) + reminder repeats ≈ RM540 collected across the year ≈ +RM190 profit.
REF~RM60 in points + ~410 PV — bar 68% full.
BUYERNever ran out, never got charged without asking, racked up points and a stash of fish oil.
…and the ugly paths 👇
↩️ S7 · Priya refunds her first order
YOUrefund the order, eat shipping + handling ≈ −RM12. Bounded — this is your worst case in the whole tree.
REF0 — reward is held 14 days for exactly this reason; clawed back automatically, never paid; bar PV reversed.
BUYERRefunded in full.
🕵️ S8 · Fraud (self-referral, fake orders)
YOURM0 — blocked. Device/card/address fingerprints catch it; PV only mints against real cash collected.
REFEarns nothing; bar reverses on refund; account flagged for review.
BUYERn/a — there is no real buyer.
📊 So… is it a good business model?
the whole tree in one table
✅ Why it's a good model: every paying branch is profitable; cash lands UPFRONT on packs (day 1, before a single tub ships); PV auto-protects promos — discount the price and the PV, and the payout, shrink with it, no manual capping needed; the prize bar is your CAC — ≈RM28 in COGS given away as ONE free product per ~10 full-price referrals; and rewards are only ever paid from cash already collected — never in advance.
⚠️ What to watch (the honest part): ① points are a real liability — referrer points sit on the books until redeemed or expired; ② L1+L2+L3 = 30% of PV once the AJL licence activates L2/L3 — PV is deliberately set ~75% of RRP, which keeps that ≈22% of revenue, not 30%; ③ retention is still king — reminders, not auto-billing, are what bring Priya back for box 2; ④ COGS assumed 35% — bring real numbers to confirm.
Internal — Project Goldie · PV model (docs/15-FINAL-MODEL.md) · numbers are working assumptions, not accounting