> ## Documentation Index
> Fetch the complete documentation index at: https://white.rwanftcards.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Glossary

> A short dictionary of the platform - every term used across this document.

<Tabs>
  <Tab title="Card and payments">
    * **Tier** - a [card option](/en/product): Standard, Premium, Signature, Black. They differ in price, card type and limits.
    * **Virtual card** - a card with no physical carrier: details live in your account, payments run online and via Apple Pay / Google Pay. It does not withdraw cash.
    * **Physical card** - plastic (Signature) or metal (Black): delivered by mail, withdraws cash at ATMs.
    * **Upgrade** - moving to a higher tier; available at any time.
    * **BIN** - bank identification number: the first digits of a card number that point to the issuing bank. The platform is connected to 30 independent BINs.
    * **IBAN** - an international bank account number. The card has none: incoming bank transfers are not accepted - it is part of the [privacy approach](/en/trust-and-security).
    * **Segregated account** - a separate account where client funds are kept apart from the bank's capital.
    * **3DS** - online payment confirmation with a code: an extra layer of protection.
  </Tab>

  <Tab title="Cryptocurrency">
    * **Stablecoin** - a cryptocurrency pegged to the US dollar. The card supports USDT and USDC.
    * **BEP-20, TRC-20** - blockchain networks (BNB Chain and TRON) accepted for top-up. A transfer on a different network will not arrive - choose the network carefully.
  </Tab>

  <Tab title="Verification">
    * **Verification (KYC)** - an identity check by document and selfie: a mandatory requirement of the banking system for issuing a card.
    * **Light form verification** - the platform's check format: no video and no proof of address - a form, a document, three photos.
    * **Compliance check (AML)** - a check against anti-money-laundering requirements: runs after the document check.
    * **One-time code (OTP)** - a code from an email used to confirm your address or sign in. Never share it: support does not ask for it.
  </Tab>

  <Tab title="Royalty Program and ecosystem">
    * **Sponsor** - the person you are locked under on the platform; fixed once and forever.
    * **1st, 2nd, 3rd line** - the 1st: people you invited personally; the 2nd: people they invited; the 3rd: the next level down.
    * **Team** - everyone below you, at any depth.
    * **Team volume** - the sum of card sales in your team, in USDT; accumulates for life and never resets.
    * **Rank** - a step of the [Royalty Program](/en/royalty-program), from Starter to Founder: it sets your reward percentage.
    * **The difference** - your percentage minus what has already been paid out below: your share of a sale deep in the team.
    * **Matching bonus** - 5% / 4% / 3% of the rewards earned by your 1st, 2nd and 3rd line partners.
    * **Payment bonus** - a one-time bonus for the first close of a rank.
    * **Rewards withdrawal** - sending your credited USDT to your wallet: weekly, from \$5, BEP-20 network.
    * **Gift certificate** - a [paid card in the form of a code](/en/gift-certificates): the recipient activates it, passes verification and gets the card.
    * **Waitlist** - a free pre-launch application: verification, a referral link and a place in the queue.
    * **Queue** - the early-access order for purchase: your position rises with every confirmed invite.
    * **RWA NFTFI ecosystem** - the RWA NFTFI platform the cards project is part of: the "who invited whom" connection [carries over from it automatically](/en/rwa-nftfi-ecosystem).
  </Tab>
</Tabs>