ProtocolFee.sol

Collects and distributes the 4% AsiliChain protocol margin from every loan repayment. Controlled by a 3-of-5 multisig. Transparent on-chain — every fee collection is publicly auditable.

Fee Structure

Every auto-repayment distributes as follows:

  Gross repayment from buyer USDC payment
        │
        ├── Principal + MFI interest → LendingVault MFI pool (repaid)
        ├── 4% protocol fee          → ProtocolFee.sol (this contract)
        ├── 1–2% credit loss reserve → LendingVault reserve buffer
        └── Net balance              → Farmer via Kotani Pay

Fee Allocation (Protocol Treasury)

The 4% protocol fee collected by this contract is allocated by governance vote:

Allocation	Percentage	Purpose
Protocol operations	40%	API infrastructure, Hedera HCS fees, Pinata costs
Development reserve	30%	Smart contract upgrades, audits, new integrations
Credit loss backstop	20%	Additional insurance beyond per-loan reserve
Community / impact	10%	Cooperative training, field agent support

Interface

// Collect fee (VAULT_ROLE — called by LendingVault on every SETTLED event)
function collect(uint256 amountUsdc) external onlyRole(VAULT_ROLE);

// View accumulated fees
function totalCollected() external view returns (uint256);
function pendingDistribution() external view returns (uint256);

// Distribute to treasury (MULTISIG_ROLE — 3-of-5 required)
function distribute(address recipient, uint256 amount)
    external onlyRole(MULTISIG_ROLE);

// View distribution history
function getDistributions()
    external view returns (Distribution[] memory);

Multisig Governance

Protocol fee withdrawals require 3-of-5 multisig approval. Signers at launch:

Signer	Role
AsiliChain founding team wallet 1	Co-founder
AsiliChain founding team wallet 2	Co-founder
Independent technical advisor	External signer
MFI representative wallet	Institutional accountability
Reserved	Future: community / MAAIF observer

This prevents unilateral treasury withdrawal and provides institutional confidence for MFI partners.

Transparency

Every collect() call emits:

event FeeCollected(
    uint256 indexed batchTokenId,
    uint256 amountUsdc,
    uint256 totalCollectedToDate,
    uint256 timestamp
);

event FeeDistributed(
    address indexed recipient,
    uint256 amountUsdc,
    string purpose,
    uint256 timestamp
);

These events are permanently readable on Mantle explorer and mirrored to Hedera HCS for the governance audit trail.