McBuleli

McBuleli exists because too many people in Africa still juggle fragmented mobile money, low financial inclusion, and opaque paths into digital finance - while education and trust remain scarce.

We are building a practical super app: custody wallet, P2P with escrow, group savings (AVEC), learning (Academy), community, trading tools, and a utility layer (Buleli Points → McB) that rewards real usage - not speculation.

This Constitution Lite is our north star. Future product decisions - including new services such as credit or insurance if they ever come - must stay compatible with these principles.

Jeff Buleli - CEO

The problem: fragmented payments, weak inclusion, hard access to learning and fair markets, and informal group finance still run on paper and chats.

The solution (live on mcbuleli.org): USDT/PI wallet, mobile-money P2P with escrow, staking, AVEC, Academy, Community Hub (utility tags, quality score, BP boost & tips), AI trading tools, KYC (Didit), McBuleli AI (product-scoped), Buleli Points, McB claim path with pool tracking, and Builders Program tiers paid in McB.

The vision: an intelligent financial super app for Africa - product-first, compliance-aware, utility-token only.

Any future feature should pass this checklist:

1. 01Africa-first - design for mobile money, low bandwidth, and local realities (starting with DR Congo).
2. 02Utility only - McB never promises price appreciation or token yield.
3. 03No ICO - issuance is tied to real use (BP → McB claims), not a speculative public sale.
4. 04KYC for sensitive crypto flows - withdrawals and McB claims require verification.
5. 05Financial architecture order - Capital → Liquidity → Community → Token → Governance → Compliance.
6. 06Transparency - published numbers match code, or are labeled draft / proposed.
7. 07Economic sustainability - discounts and Builder perks must remain viable for McBuleli.
8. 08Fund safety - escrow, auditable ledgers, and operational security come before growth hacks.

Live today:

• Wallet - USDT, PI, fiat rails where enabled
• P2P - escrow marketplace with mobile money settlement
• Staking - fixed USDT/PI terms
• AVEC - group savings cycles
• Academy - cohorts, live sessions, quizzes, credentials
• Community - feed, blogs, Q&A, signals (educational), utility tags, quality score, creator profiles
• Community BP sinks - post boost (80 BP / 24h), creator tips (20 / 50 / 100 BP)
• Trade - bots, futures, options (product tools; not investment advice)
• McBuleli AI - in-app assistant scoped to McBuleli products only
• Buleli Points (BP) - off-chain reputation & perks (monthly cap 4,000 BP)
• McB - BEP-20 on BNB Smart Chain; KYC claim path BP → McB with claim-pool counters (public BSC launch story: v1.2)
• Builders Program (M1) - Bronze→Platinum badges paid in McB; page /app/community/builders

We grow the company in this order - not the other way around:

1. 01Capital - build and fund the platform responsibly
2. 02Liquidity - wallets, markets, escrow, savings products that work
3. 03Community - users who learn, trade fairly, and help each other (Social Utility Graph)
4. 04Token - McB as utility that follows real activity (via BP claims + McB sinks)
5. 05Governance - clear roles; Builder ≠ Ambassador ≠ Official Representative
6. 06Compliance - KYC/AML posture, audits, data protection

• Buleli Points (BP) - off-chain engagement: earn from verified actions (KYC, Academy, Community, P2P, staking, etc.), monthly earn cap 4,000 BP, daily anti-farming caps on community actions.
• Spend BP (live) - P2P fee -15% (80 BP / 30d), bot renewal -10% (200 BP / 14d), community post boost 80 BP / 24h, creator tips 20 / 50 / 100 BP.
• McB (BEP-20, BSC) - utility token; claim ratio 100 BP = 1 McB for KYC-approved users when claims are enabled.
• Claim pool - community emission tracked (default 40% of proposed max supply); admin/user stock bars show minted / pending / remaining.
• USDT / PI - stable value for payments, P2P, staking, trading margin - separate from BP/McB speculation narratives.

Proposed max supply: 100,000,000 McB. Proposed allocation (v1 - may be adjusted before full claim scale-up):

• 40% - emission via BP → McB claims (utility-linked; claim pool)
• 35% - ecosystem reserve (LP, rewards, ops treasury)
• 15% - team / ops (target 4-year vesting)
• 10% - partnerships

In v1.1: purchase flow, admin review, badge on profile, and /app/community/builders. Slogan: Build. Grow. Belong. Published fee-discount / Academy Premium perk tables come with later reviews - not in this version.

MBP is a community status program. It complements staking and McB; it does not replace them. Builder tiers are paid in McB (not BP) - claim from the community pool or buy on DEX. Holding McB alone does not grant Ambassador or Official Representative roles.

• Levels (config live): Bronze 100 · Silver 300 · Gold 800 · Diamond 2,000 · Platinum 5,000 McB
• Badge validity: 24 months - then renew, upgrade, or exit; perks expire with the badge
• BP = free engagement (likes, posts, tips, boost, light fee perks); McB = paid Builder status
• Kept after expiry: history, reputation, McB already received
• Roles: Builder (McB-paid badge) ≠ Ambassador (application) ≠ Official Representative (appointed by McBuleli)
• Investment or high badge never guarantees an official company role

• KYC (Didit) gated where required for crypto risk features; identity-correction ops path for approved name fixes
• P2P escrow until settlement rules are met; dispute flows available
• Custodial wallet ledger with operational controls; continuous hardening
• Data protection aligned with our Privacy policy
• Utility-token policy - no price promises in product or marketing
• McBuleli AI - refuses politics and off-product topics; redirects to McBuleli services

v1.1 (this document) - what is done: Constitution Lite public page; Community Horizon A (utility tags, quality score, post boost, creator stats); BP tips; McB claim-pool counters; Builders Program M1 (McB-paid tiers Bronze→Platinum); McBuleli AI scoped to product; full wallet / P2P / staking / AVEC / Academy / trade stack.

v1.2 - McB launch on BSC: public claim ops at scale, DEX liquidity, public McB brand ads, and the on-chain utility story for users and partners.

After v1.2: McB fee payment + burn, optional staking/governance parameters, deeper BP earn/spend (AVEC, referral, withdraw), Builder perk tables, broader African rails - only where Constitution-compatible.

• Is McB an investment? No. It is a utility token for ecosystem use. No yield or price promise.
• What are Buleli Points? Off-chain utility rewards for verified activity; not cash. Cap: 4,000 BP / month.
• How do I get McB? KYC + convert BP at 100 BP = 1 McB to a BEP-20 wallet when claims are open (subject to claim-pool stock). Public BSC launch details: Constitution v1.2.
• Is there an ICO? No.
• What is the Builders Program? Status track in v1.1 (Build. Grow. Belong.) - tiers paid in McB (100-5,000), not BP. Extra perks beyond the badge: later versions after review.
• Can I tip or boost in Community? Yes - tips 20/50/100 BP; post boost 80 BP for 24h.
• Where is technical tokenomics detail? In repo docs (mcb-tokenomics-reference, builders-program-spec, social-utility-*) - v1.1 states what is done; v1.2 covers the BSC launch.

McBuleli's edge is shipping real tools for African users first - then layering an honest utility economy. Constitution Lite v1.1 defines what is done today. v1.2 will document the McB launch on BNB Smart Chain.

Build with us. Grow with discipline. Belong to a community that puts utility before hype.