3. How It Works: Membership, Benefits & Governance

How to become a member

Membership begins with a financial contribution as membership fees. The Member will be asked to verify his email. The Member should be at least 18 years old. The membership contribution is added to the Community Fund to be used as described subsequently.

At this point, the Member has access to the TLD dashboard where he can avail and add services. He has access to the Community Hub, the EduHub, the Life Protection Fund, the Life Wallet and Savings Vault and The LifeCard. To be eligible for some of the services, the Member must complete the “Know Your Customer” (KYC) process.

The member will receive TLD membership credits for each $1 of contribution. These membership credits entitle him to voting rights and a share of the surplus of the Community Fund.

Benefits of Membership

As of this writing, the following membership benefits are launched or in the pipeline.

Member Connect (Live)

A service to connect members to one another to achieve a Member’s stated goals. The community manager maintains a database of Members and their asks and offers and connects Members together when there is synergy.

EduHub (Live)

The EduHub includes recorded content, live training and webinars and 1:1 mentorships on the topics of Web3, financial literacy, professional development and international migration (hijra).

Life Protection Benefit (Live)

All eligible members are entitled to the Life Protection Benefit equivalent to the membership contribution. Eligible members are between the ages of 20 and 60, have no pre-existing medical conditions and are not residents of a sanctioned country. The Life Protection Benefit pays out to their beneficiaries in the event of their passing. The payout amount is determined by the underwriting algorithm and is disclosed at the time of application of the benefit. Members may upgrade their Life Protection Benefit, and corresponding payout, by increasing their contribution to the Community Fund.

Farewell Benefit (Q3, 2026)

The Farewell Benefit is designed to provide protection to as many members as possible, including those who may not be eligible for the Life Protection Benefit. The Farewell Benefit provides end of life services that include burial, repatriation of the body and legal services related to the passing of the Member. The Farewell Benefit includes a concierge service which provides logistical support to aid in the completion of end of life processes.

Members pay an additional contribution to apply the Farewell Benefit and their contribution covers their spouse and up to four children. Members up to 65 years of age and those who have pre-existing medical conditions are also eligible.

The Life Wallet

The Life Wallet is a self-custodial DeFi wallet that is enabled by default for all members. The Life Wallet is tied to a member's email address and can be accessed only by the member through the TLD dashboard after logging in. There is no provided private key.

Savings Vault (Q1, 2026)

The Savings Vault enables members to deposit USDC to earn yield. Member deposits are channeled into stablecoin liquidity pools that generate fees. Members can deposit and withdraw their initial capital and yield on demand. Because only stablecoin pools are used, there is no expected value loss of the initial capital.

Collective Investment Pools (Q2, 2026)

The Collective Investment Pools are a set of self-custodial DeFi savings vaults that members can deposit to generate yield. Each investment pool has a specific investment strategy that represents different levels of risks and returns. The strategies are algorithmically determined using smart contracts; they are not actively managed. As with any investment, there is a risk of capital loss.

Prepaid Crypto Payment Card (Dec, 2025)

Members who are not in sanctioned countries are eligible for a prepaid crypto payment card which enables them to spend cryptocurrencies in the real world. Members receive a virtual or physical card that can be connected to Apple or Google Pay. They can top up their card directly from their Life Wallet and spend crypto as USD$ globally anywhere VISA is accepted.