Q:How do I create and verify an account on M1 Finance 365?
To register, click "Register" on the top navigation, provide your legal name, email address, and phone number. A single-use verification code (OTP) will be sent to your registered email to activate your multi-tier wallet instantly.
Q:Is two-factor authentication (2FA) supported?
Yes. Administrative personnel and users are secured with industry-standard RFC 6238 TOTP Google Authenticator, providing multi-factor cryptographic protection for all sensitive operations.
Q:What are the minimum and maximum deposit limits?
The minimum deposit limit is PKR 500 and the maximum single deposit limit is PKR 50,000. Deposits can be made via automated mobile checkout (EasyPaisa and JazzCash) or approved manual payment methods.
Q:Does the user receive the full gross deposit amount in their wallet?
Yes. When you deposit funds (e.g. PKR 500), your wallet available balance is credited with 100% of the gross deposit (PKR 500.00). Payment gateway operational costs are never deducted from your wallet balance.
Q:How does daily yield accrual work?
Active investment plans generate systematic daily returns based on configured algorithmic yield rates. Profit accruals are calculated and recorded daily in Pakistan Time (Asia/Karachi) and settle with your principal into your available balance upon maturity.
Q:What is the 3-Tier Partitioned Digital Wallet?
Your portfolio is structured across segregated balances: Available Balance (liquid funds for reinvestment or withdrawal), Active Investment Capital (capital currently allocated in progressing plans), and Withdrawal Reserved Balance (funds pending payout settlement).
Q:How are user withdrawals processed?
Withdrawals are 100% manual administrative disbursements. Once submitted, requested funds are reserved in your wallet. An authorized administrator reviews the request, executes the transfer via banking rails (Raast/1-Link/Mobile Wallet), and enters the bank transaction reference to finalize the disbursement.
Q:What is the withdrawal processing deduction?
A transparent 4% processing deduction applies to user withdrawal requests. For example, on a PKR 1,000 withdrawal, the deduction is PKR 40 and the net payout delivered to your destination account is PKR 960.
Q:What is the withdrawal eligibility qualification requirement?
To maintain platform liquidity and prevent arbitrage manipulation, accounts must meet a 10x qualification requirement based on cumulative qualifying deposit activity before submitting withdrawal requests.
Q:How does the Influencer & Referral Program work?
When an invited user completes their first successful deposit, the referrer earns a commission calculated on the after-gateway-cost base (Gross First Deposit × 0.89 × Commission %). Referral commissions are recorded immutably and paid manually.