Initial payout: 80% - 30 days to be eligible for payout
Second payout: 85% - 21 days days to be eligible for payout
Third payout: 90% - 21 days days to be eligible for payout
Fourth payout: 95% - 21 days days to be eligible for payout
Subsequent payouts remain at 95% after scaling up and 21 days days to be eligible for payout