> For the complete documentation index, see [llms.txt](https://mart20.gitbook.io/mart20/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://mart20.gitbook.io/mart20/how-it-works.md).

# How it works

Mart20 works in three simple stages:

1️⃣ Booking\
2️⃣ Earning Credits\
3️⃣ Booking Completion & Product Delivery

***

## 1️⃣ Booking — Reserve Your Product

To book a product:

• Pay 10% of its total price from your Mart20 wallet

#### Example

Product price: $200\
Pay Booking amount (10%): $20\
Remaining balance: $180\
\
• The product appears in your dashboard

**Your dashboard will show:**

• Total price\
• Amount paid\
• Credits earned\
• Remaining balance\
• Booking status\
• Referral link

***

## 2️⃣ Earning Credits — How Referrals Work

Each booking generates its own unique referral link in dashboard. \
\
**You can share your referral link anywhere:**\
WhatsApp, Facebook, Instagram, friends, groups — anywhere.<br>

**When someone uses your link and makes a booking:**

:ballot\_box\_with\_check: You earn 100% credit equal to their booking payment\
:ballot\_box\_with\_check: They can book ANY product\
:ballot\_box\_with\_check: No minimum referral count<br>

**Important:**\
Credit = booking amount they paid

#### Example:

Friend A books a product by paying $40 → You earn $40 credit\
Friend B books another product with $20 → You earn $20 credit\
Friend C books with $30 → You earn $30 credit

Total credit earned = $90

If your remaining balance was $90, your booking is now complete.

{% hint style="info" %}
**Give Your Friends 90% Off**

Your friends can also book any product by paying just 10% of the product price and enjoy the same 90% discount.
{% endhint %}

***

## 3️⃣ Booking Completion — Two Ways

You can complete your booking and get your product in these two ways:

***

### Option A — **Referrals Cover Remaining Balance**

**Refer friend(s) and earn credit to cover the remaining balance**&#x20;

When ever someone books a product with your referral you earn 100% credit of that booking amount.

• Credits automatically reduce your remaining cost\
• When Remaining balance becomes $0\
• Booking status changes to Complete\
• Product moves to delivery

***

### Option B — Pay Remaining Balance Yourself

**If you are unable to refer friend(s):** \
You can pay the remaining balance from your wallet and get your product anytime.

#### **🛡 Zero Risk Guarantee**

You are never forced to refer anyone. \
Your deposit is never trapped.\
\
[Learn More](/mart20/zero-risk-guarantee.md) <i class="fa-arrow-right-long">:arrow-right-long:</i>

***

## Example 1 — Small Product ($100)

Let’s say you want to buy a product that costs **$100**.

**Booking:**\
\
You pay 10% = **$10**\
Remaining balance = $90

**You share your referral link with friends:**

**Friend A** - pays $10 to book a product\
→ You earn $10 credit\
→ Remaining balance: $90 → $80\
\
**Friend B** - pays $10 for an other booking\
→ You earn $10 credit\
→ Remaining balance: $80 → $70\
\
**Friend C** - books and pays $20\
→ You earn $20 credit\
→ Remaining balance: $70 → $50

Now your total earned credit = $40\
Remaining balance = $50&#x20;

You can now:

• **Wait** for $50 more credits from referral(s)\
OR\
• **Pay** $50 and complete instantly

***

## Example 2 — Bigger Product ($500)

Let’s say you book a product worth **$500**.

**Booking**

10% booking amount = $50\
Remaining balance = $450

**Referrals:**

Your 5 friends book and pay $50 each\
\
**You earn: $250**\
Remaining balance: ($450 - $250) = $200

You can:

• **Refer more** people to earn $200\
OR\
• **Pay** $200 and complete

***

## Example 3 — No Referrals Case (Zero Risk)

Let’s say:

Product price: $300\
You pay 10% = $30\
Remaining balance = $270

**You get no referrals.**

After some time, you decide not to wait.

**You simply pay $270 from your wallet.**

Booking completes.\
Product delivered.

No loss. No penalty.

***

## 🛡 Zero Risk Policy

Mart20 guarantees:

• You will never lose your booking deposit\
• You are never required to refer anyone\
• You can always complete your order by paying the balance\
• There is no expiry forcing you to recruit

Your product is always achievable.

***

## 📌 Important Clarifications

• Referrals do NOT need to buy the same product\
• There is no fixed number of people required\
• More referrals = More credits = Bigger discount\
• Credits apply automatically to your active booking\
• If one booking completes, new referrals can apply to your next booking

***

### **Process Summary:**

> * Pay 10% deposit to book a product.
> * Refer friends to earn credits.&#x20;
> * Use earned credit to cover the remaining product balance&#x20;
>
> **— OR —**&#x20;
>
> * Alternatively, pay the remaining balance to complete the booking.