> For the complete documentation index, see [llms.txt](https://triple-plus-global.gitbook.io/tpt-whitepaper/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://triple-plus-global.gitbook.io/tpt-whitepaper/tpt-token/token-utility.md).

# Token Utility

TPT is a utility token powering platform operations across four key functions.

***

## Platform Access (Staking Tiers)

Investors stake TPT to access platform features:

| Tier              | Stake Required | Benefits                               |
| ----------------- | -------------- | -------------------------------------- |
| **Basic**         | \[TBD] TPT     | Access to marketplace, standard yields |
| **Pro**           | \[TBD] TPT     | Priority access, higher limits         |
| **Institutional** | \[TBD] TPT     | White-glove service, custom pools      |

### How Staking Works

{% stepper %}
{% step %}
Deposit TPT to staking contract
{% endstep %}

{% step %}
Select your tier level
{% endstep %}

{% step %}
Access corresponding features
{% endstep %}

{% step %}
Tokens remain locked during platform participation
{% endstep %}

{% step %}
Withdraw after cooldown period
{% endstep %}
{% endstepper %}

### Staking Benefits by Tier

| Feature              | Basic | Pro | Institutional |
| -------------------- | ----- | --- | ------------- |
| Marketplace Access   | ✅     | ✅   | ✅             |
| Standard Investments | ✅     | ✅   | ✅             |
| Priority Access      | ❌     | ✅   | ✅             |
| Higher Limits        | ❌     | ✅   | ✅             |
| Custom Pools         | ❌     | ❌   | ✅             |
| Dedicated Support    | ❌     | ❌   | ✅             |

***

## Fee Payment

Platform fees can be paid in:

| Payment Method           | Fee Rate                             |
| ------------------------ | ------------------------------------ |
| Stablecoins (USDC, USDT) | Standard rate                        |
| TPT tokens               | Discounted rate (e.g., 20% discount) |

### Example

| Fee Type              | USDC Payment | TPT Payment            |
| --------------------- | ------------ | ---------------------- |
| Listing Fee (1%)      | $1,000       | $800 equivalent in TPT |
| Settlement Fee (0.5%) | $500         | $400 equivalent in TPT |

This creates consistent demand for TPT from active platform users.

***

## Trade Mining

P2P OTC traders earn TPT rewards proportional to:

| Factor              | Description                              |
| ------------------- | ---------------------------------------- |
| **Trading Volume**  | Higher volume = more rewards             |
| **Completion Rate** | Successful trades rewarded more          |
| **Platform Tenure** | Long-term traders earn bonus multipliers |

### Trade Mining Mechanics

{% @mermaid/diagram content="flowchart LR
T\["Complete<br/>P2P Trade"] --> R\["Earn TPT<br/>Rewards"]
R --> S\["Stake for<br/>Platform Access"]
S --> M\["Access More<br/>Opportunities"]
M --> T" %}

Trade mining creates a virtuous cycle:

{% stepper %}
{% step %}
Trade → Earn TPT
{% endstep %}

{% step %}
Stake TPT → Access investor features
{% endstep %}

{% step %}
Invest → Earn yields
{% endstep %}

{% step %}
Reinvest → Compound returns
{% endstep %}
{% endstepper %}

***

## Governance (Future)

Token holders will participate in protocol governance:

| Governance Area         | Description                              |
| ----------------------- | ---------------------------------------- |
| **Fee Parameters**      | Adjust platform fee rates                |
| **Risk Parameters**     | Set exposure limits, debtor requirements |
| **New Asset Classes**   | Approve new product types                |
| **Treasury Allocation** | Direct protocol revenue                  |
| **Upgrades**            | Approve smart contract changes           |

### Governance Timeline

| Phase       | Governance Model                     |
| ----------- | ------------------------------------ |
| **Current** | Team governance with community input |
| **Phase 2** | Token voting on major decisions      |
| **Phase 3** | Full DAO with on-chain execution     |

{% hint style="info" %}
Governance features will launch progressively as the protocol matures.
{% endhint %}


---

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