> For the complete documentation index, see [llms.txt](https://bana.gitbook.io/bana-docs/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://bana.gitbook.io/bana-docs/en/marketing-plan/auto-split.md).

# THE GOLDEN RATIO

## 80:20 Auto Split: The Golden Ratio of Asset Management

Every reward within the BANA Protocol is designed to simultaneously consider the user's practical profit (CASH) and the appreciation of asset value (ASSET).

#### **Allocation Detail**

To maintain ecosystem health and prevent sell pressure, the "80:20 Auto Split Principle" is applied to all generated commissions and rewards.

**1. 80% — CASH Wallet (Liquidity Layer)**

* **Purpose**: Securing immediate living funds and liquidity for the user.
* **Features**: Settlements based on stablecoins like USDT allow for immediate withdrawal without the risk of price volatility.
* **Utilization**: Can be used instantly for transfers to external exchanges, cashing out, or paying for services within the ecosystem.

**2. 20% — ASSET Wallet (Accumulation Layer)**

* **Purpose**: Defending the intrinsic value of the BANA token and encouraging long-term holding (HODL).
* **Features**: Acts as a buffer to control market circulation by being converted into BANA tokens or managed as reinvestment assets.
* **Utilization**: Grants rights for additional staking rewards, securing shares in Real-World Assets (RWA), and participating in special promotions.

***

#### Expected Effects of the System

| **Item**             | **Effect Description**                                       | **Expected Benefit**                          |
| -------------------- | ------------------------------------------------------------ | --------------------------------------------- |
| Dumping Prevention   | Assetizing 20% of rewards to suppress sell volume            | Stable upward trajectory of token price       |
| Compounding Effect   | Asset growth over time through 20% reinvestment              | Maximizing returns for long-term participants |
| Ecosystem Protection | Ensuring permanence through a balance of liquidity and value | Inherently blocking "bank run" risks          |

{% hint style="success" %}
**BANA's 80:20 principle is not a simple restriction; it is the most scientific protocol for protecting and growing your assets.**
{% endhint %}


---

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