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Quarterly Transparency Report

Q3 2026

A complete accounting of the work this quarter — Crewmates aboard, funds collected and delivered, the platform's own books, and what changed.

Reporting Period Jul 1 – Sep 30, 2026
Published Oct 15, 2026
Report No. SSF-2026-Q3
In this report
  1. The Crew
  2. Funds Flow
  3. CMB Delivery
  4. Trust Metrics
  5. Corporate Books
  6. Notable Events

The Crew

SS Starfish ended the quarter with 4.18 million active Crewmates aboard — a roughly 38% gain over Q2. Growth came from organic referral within columns rather than from external acquisition campaigns. Each new Crewmate was invited by an existing one.

4.18M
Active Crewmate As
+1.15M from Q2
4.18M
Active paired Crewmate Bs
+1.15M from Q2
2.31
Average forks per CMA this quarter
cohort fork rate
98.2%
Monthly subscription retention
vs 97.4% in Q2
Why subscription retention rises with maturity: Crewmates who have built any meaningful downline have positive monthly cash flow. Cancellation becomes economically irrational because it would mean abandoning an income stream and a paired Crewmate B. We expect retention to settle around 99% at platform maturity.

Funds Flow

Every dollar that came into the system this quarter, and where it went. The numbers in this table are the entire story of the quarter's economic activity.

Flow This Quarter ($) Quarter-over-Quarter % of Inflow
Subscription revenue collected $58,420,000 +38.1% 100.0%
— To Crewmate As (downline shares) $25,830,000 +39.4% 44.2%
— To Crewmate Bs (paired shares) $25,830,000 +39.4% 44.2%
— Breakage to corporate (incomplete upline) $580,000 −2.4% 1.0%
— Held in CMA accounts (sweep pool) $6,180,000 +42.1% 10.6%
Distributed to humans this quarter $51,660,000 +39.4% 88.4%
The held-account pool consists of accumulated funds in Crewmate A accounts that have not yet been withdrawn. This quarter, $6.18M flowed into this pool. Of that, the portion belonging to Crewmate As who have not checked in for 12 months will sweep to their paired Crewmate Bs in the year-end annual sweep (per the dormancy policy). The remainder belongs to active Crewmate As and is theirs to withdraw whenever they choose.

CMB Delivery

Where the Crewmate B funds went. SS Starfish operates in the Philippines as the primary launch market with smaller pilot programs in three other countries this quarter.

4
Countries served this quarter
+1 from Q2 (added Mexico)
$6.17
Average monthly delivery per CMB
cross-platform median
$0.83 – $48.20
Range of monthly deliveries
depends on CMA downline activity
Philippines
3.92M paired CMBs · GCash, Maya delivery
$24.18M
India
182K paired CMBs · UPI delivery
$1.29M
Kenya
63K paired CMBs · M-Pesa delivery
$0.31M
Mexico
11K paired CMBs · OXXO delivery (pilot)
$0.05M

Trust Metrics

The numbers behind whether the platform is doing what it says it will do. We publish these every quarter regardless of whether they make us look good.

Metric This Quarter Q2 2026 Trend
CMB phone verification rate 99.3% 99.1% ↑ stable
CMA disputes opened 1,184 874 ↑ with growth
Disputes resolved within 7 days 96.8% 96.2% ↑ stable
CMBs reassigned (CMA dormancy) 12,408 9,142 ↑ with growth
Annual sweeps executed (Q3 of prior year cohort) 2,317 first occurrence
Sweep dollars redirected to CMBs $84,200 first occurrence
CMA accounts re-activated after dormancy 3,841 2,807 ↑ with maturity
On disputes: The increase in disputes opened reflects the increase in active Crewmates. Per-capita dispute rate is 0.028% — about one dispute per 3,500 active CMAs per quarter. We resolve nearly all within a week and publish the resolution policy in our FAQ.

Corporate Books

The platform's own revenue, costs, and operating margin. We publish these because the Glass Ship principle applies to us as well as to participants.

Line Q3 2026 ($) % of Revenue
Revenue — Breakage $580,000 5.4%
Revenue — Column Zed subscriptions $3,440,000 32.0%
Revenue — Withdrawal fees $6,720,000 62.6%
Total Revenue $10,740,000 100.0%
Operating costs — Engineering $324,000 3.0%
Operating costs — Operations & support $192,000 1.8%
Infrastructure & payment processing $322,000 3.0%
Marketing & acquisition $1,074,000 10.0%
Legal, G&A, other $255,000 2.4%
Total Operating Cost $2,167,000 20.2%
Operating Income $8,573,000 79.8%
Why margins are this high: SS Starfish has minimal cost of goods sold. The platform's primary cost is engineering and operations team salaries plus payment processing fees. Margin scales with platform size because team growth lags revenue growth. We expect operating margin to settle in the 65–75% range at maturity as international expansion costs come online.

Notable Events

Material events of the quarter — launches, policy changes, leadership changes, anything that affects Crewmates or the platform's trajectory.

JUL 8
Mexico pilot launched
First non-Asian launch market. 11K Crewmate B pairings completed by quarter end. OXXO delivery integration live in 32 states. Spanish-language interface added for CMBs in this market.
AUG 14
First annual sweep executed
2,317 Crewmate A accounts that had been dormant for 12 months reached their sweep date. $84,200 in accumulated balances flowed to paired Crewmate Bs after the 10-day notification window expired. 412 CMAs logged in during the notification window and reset their clock.
SEP 2
Column Zed v2 released
Premium analytics tier expanded with cross-column comparisons, predictive downline modeling, and historical export. Adoption rose from 14% to 16% of CMAs within 30 days of release.
SEP 28
CMB re-pairing policy formalized
The 60-day inactivity rule for pre-autopay CMAs (and the 12-month sweep policy for autopay CMAs) was published as an addendum to the Terms of Service. Existing Crewmates were notified by email.