{"currency":"NGN","formula":"client pays: operator reward + platform fee (take rate × reward) + VAT on the fee. The operator receives the full reward — 0% platform fee on earnings.","values":[{"key":"economics.take_rate.standard","label":"Standard take rate","value":0.2},{"key":"economics.take_rate.volume","label":"Volume take rate","value":0.12},{"key":"tax.vat_rate","label":"VAT on platform fees","value":0.075},{"key":"economics.card_surcharge","label":"Card funding surcharge","value":0.04},{"key":"payout.instant_fee_kobo","label":"Operator instant-cashout fee (kobo)","value":0}],"workflow_products":[{"key":"workflows.price.verify_business_deep","product":"verify_business_deep","price_ngn_major":"14000.00"},{"key":"workflows.price.kyc_field_check","product":"kyc_field_check","price_ngn_major":"7200.00"},{"key":"workflows.price.verify_property","product":"verify_property","price_ngn_major":"12000.00"},{"key":"workflows.price.market_survey_multi_site","product":"market_survey_multi_site","price_ngn_major":"18000.00"},{"key":"workflows.price.lead_qualification_batch","product":"lead_qualification_batch","price_ngn_major":"12800.00"}],"notes":["All values are live governed configuration (ADR-002) — changes are dual-controlled and audit-logged.","Workflow prices are VAT-exclusive NGN majors; single-task pricing is reward-based per the formula."]}