🏦 LaD Treasury LaD is the money you use inside LaDatastore. This page explains what LaD is, where it comes from, and how we keep it honest. 💵 What is LaD? LaD is our internal store unit. 1 LaD = $1 USD, always. You get LaD by depositing crypto or other supported payment methods, and you spend it on products, services and memberships. Sellers and providers earn LaD from their sales and can cash it out. LaD is for bookkeeping inside the store only. It is not a bank account, an investment or a cryptocurrency, and it does not earn interest or change in value. 🏦 What is the Treasury? The Treasury is LaDatastore's own record of the store's money. It tracks: • LaD issued when people deposit • LaD spent, earned and cashed out • Store profits, fees and subscription income • Any losses, refunds and corrections For each 1 LaD that customers and sellers hold, the treasury keeps 1 USD to cover it. LaD is never created out of nothing to hide a shortfall. Your money moves only when you actually spend it on an order. Until then it stays in custody, untouched. 🛡 Protection funds Part of the store's profit is set aside in separate funds that protect buyers and reward members: • 🛡 Insurance: pays out on covered losses • 🔧 Warranty: covers faulty items under warranty • 🎟 Coupons and bonuses: member coupons and deposit bonuses • ♻️ Recovery: money recovered from scams, disputes and blocked accounts, used to make affected users whole These funds are kept separate, so a refund or bonus never eats into your balance. 📊 Coverage, stated honestly The Treasury and Trust pages show a coverage figure: how much of all user balances is covered by funds the store actually holds. It is calculated from real holdings, not estimates. If coverage is ever below 100%, we show that number as it is live. 🔒 Your balance is yours LaDatastore never takes LaD from your balance except to pay for something you bought, or to correct a clear error, such as a failed or duplicated deposit. Every change appears in your wallet history. See 💳 LaD Wallet & Deposits to learn how to add funds. 📊 Right now: based on the team's last real count of the money held (2026-11-02), the treasury covers 92% of every LaD held by customers and sellers. The team is topping it up to 100%. This is the counted USD in custody, not an estimate from the books. It updates after each count.