Flip 360 Under the hood
90-second cinematic · auto-plays

What actually happens when a referral fires?

Four scenes. The CRM, the cryptography, the four-handshake chain, and the commission engine — with every % that drives the numbers on-screen.

SCENE 01 · THE CRM

The referral appears on John's board.

John's board updates in real time — Sally moves from Contacts to Referred the instant she signs. One deal card carries the full audit trail. No spreadsheets, no email chains.
flip360.app / dashboard
John · Broker

Workspace

Board
Contacts
Applications
Commissions
Chain
Contacts 12
Emma Green
First home
Sally · Home buyer
$1.2M · Sunshine Coast
Tom H.
Refinance
Referred 3
Amy L.
Pre-approval
Application 7
Kate M.
Docs in
Settled 4
Ben P.
Paid
NEW REFERRAL
Sally → Russel Property · $1.2M home loan
SCENE 02 · THE CRYPTOGRAPHY

Sally's phone signs. In hardware.

Sally holds her thumb on the fingerprint sensor. The device signs the intent envelope on-chip. The signature is hardware-attested — the private key never leaves the Secure Enclave.
Flip 360 · Confirm referral
Refer to Russel Property?
Loan: $1,200,000
Broker: John · TSC Mortgage
Buyer's agent: Russel Property

Referral fee: 20% of the bank commission,
payable to John if the deal settles.
Touch to confirm
Signed & sealed

H1_INTENT · Envelope built on-device

keyEd25519 (Secure Enclave)
signer[email protected]
payloaddeal_id · $1.2M · refs
noncea7f2 · 9c14 · 3e1b
envelope_sha2567fe2 8b34 c1a9 06d4 …
verify signature valid · hardware-attested
KEY NEVER LEFT THE DEVICE
SCENE 03 · THE HANDSHAKE CHAIN

Four signatures. One chain of custody.

Each party signs on their own device. The chain grows only when the previous link is verified. If Sally declines Russel, H2 goes VOID — the deal drops to LOST and nothing pays out. Five signatures, one deal, one immutable receipt. This is what a real audit trail looks like.
S
Sally
Home buyer
J
John
Mortgage broker
R
Russel
Buyer's agent
Flip 360
Attribution layer
H1_INTENT
Sally signs
H2_ACK
Russel accepts
H3a_INTAKE
John submits
H3b_SETTLED
Bank settles
H4_OUTCOME
Broker confirms
  Idempotent write:  UNIQUE (envelope_sha256 + idempotency_key) — the chain can't be re-fired, spoofed, or double-paid.
SCENE 04 · THE COMMISSION ENGINE

Five states. Money splits by rule.

The state machine runs on real-world time. No stage skips. No manual overrides. Once the chain settles, every dollar splits by rule — with percentages set in the constitution, not by anyone's discretion.
PENDING
deal accepted
COOLING_OFF
7-day window
T-7d → T-0
ELIGIBLE
bank confirms
APPROVED
payout queued
PAID
wallets settle
0.65% of loan · bank pays broker 0.65% × $1,200,000
$7,800
20% P2P referral fee → John 20% × $7,800 · flows through Flip
$1,560
15% Flip platform clip 15% × $1,560 · the only $ Flip touches
$234
John · broker net 85% of $1,560 · after Flip's clip
$1,326.00
50% Flip 360 retain 50% of the $234 clip
$117.00
50% Community fund 50% of the $234 clip · redistributed
$117.00
80% Local pool e.g. junior cricket 80% of $117 · local Providers pick the cause
$93.60
20% National pool e.g. cancer research 20% of $117 · national community pool
$23.40
0:00 / 1:23

Want to fire a referral yourself?

Play the hands-on version — pick a referee, sign, watch the chain fire, and see the invoice + Stripe payout land in your demo wallet.

Try it yourself Back to the pitch
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