Pay the whole downline the day a commission run closes

No. Paymos is payment infrastructure, not an FTC arbiter. The line between a legitimate MLM — substantial retail-customer flow, income from real product sold — and a pyramid scheme — income driven by recruitment — is yours to stay on the right side of, alongside FTC compliance, 1099 reporting and any state registration. Paymos doesn't make that call, doesn't screen the category, and won't stand between you and the FTC. Run a compliant model; the rail sits downstream of it.

A confirmed on-chain payment carries no chargeback right — once it's confirmed it's settled, and the buyer can't call a bank to reverse it. For an MLM that ends the dispute spike from quit distributors and forgotten autoship that drives reserves and terminations. The trade-off: a genuine refund — defective product, a goodwill return — is a manual outbound transfer you send from your wallet, on your own return policy and timing, not a customer self-service flow.

Each payout is an operator-initiated outbound transfer your back-office authorises: your system computes the share and fires the transfer through the API or dashboard, to a distributor's whitelisted wallet, final on confirmation. Paymos takes zero commission on it — the only cost is a reduced network fee per transfer. Paymos doesn't calculate commissions or run your comp plan; it moves what your back-office approves and writes each transfer back to your ledger for 1099 reporting. Outbound transfers are signed by a 2-of-3 MPC quorum — no single key, on any node, can move funds.

Adoption runs strongest in international downlines, where distributors already fight cross-border friction and welcome a fast, final commission rail, and among crypto-comfortable buyers. You don't need everyone on it — offering it captures the segment that prefers it and takes the reversal risk off those orders. USDT on Tron tends to suit reorders and smaller commissions, since it's the stablecoin most international distributors already hold — for that liquidity, not low fees, since Tron is the priciest network to send on; USDC on Base or Polygon keeps fees low for larger bonuses. Acceptance spans 13 networks and five stablecoin families, so each market settles in what it holds.

FTC guidance pushes MLMs toward generous buy-back and refund terms for distributors leaving the business. On Paymos a refund or buy-back is a manual outbound transfer from your wallet back to the distributor's, started from the dashboard or API, on the policy and timing you set. The 1.0% applies only to a settled order — nothing is layered onto the refund itself, and no card-style reversal lands on you weeks after the goods went out.

Paymos is ordinary payment plumbing and respects lawful orders where it operates. If a regulator with valid authority asks us to pause processing for a named company, we comply — as any processor would. The trigger is regulatory action against your operator entity, not a category-level screen at signup; Paymos doesn't pre-screen who runs a direct-sales model. Keep a compliant, registered structure: that's the floor, and the rail can't substitute for the regulator watching your plan.