Rules & Commission Fees

Mutual savings groups (Hụi) are built on shared financial cooperation. To keep transactions running smoothly, hosts and members must follow specific rules regarding commission fees and late payment policies.

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1. Host Commission Types (Hoa hồng)

Hosts spend time and effort organizing the group, collecting money, and verifying members. In return, they can charge a commission fee. Huio supports two commission modes, configured during Kasca creation:

Option A: `on_win` (Commission per Period)

How it works: The host takes a set percentage or amount from the winning payout of each* period.

• Timing: Deducted automatically from the period pool before the winner is paid.
• Formula: `Winner Payout = Pool - Commission`.
• Benefit: Low startup cost for members; the host gets compensated continuously as the group progresses.

Option B: `on_open` (Commission at Startup)

• How it works: Members pay a one-time host fee at the start of the Kasca.
• Timing: Collected during Period 1 or at group launch. The host commission fee (`hoaHong`) is added to each slot's contribution in Period 1 (or the first period the slot becomes active). For the winner of Period 1, since their contribution amount is 0, the commission is deducted directly from their winning payout.

Total Commission: The total host commission for the Kasca equals the sum of commissions collected from all slots (`total active slots group.hoaHong`). For example, in a 16-slot group with a 1,100,000 VND commission, the total commission is `16 * 1,100,000 = 17,600,000 VND`, which is fully shown and collected in Period 1 (and is 0 VND in periods 2+).

• Benefit: No commission deductions in later periods; winners in Period 2+ receive 100% of the calculated period pool.

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2. Late Contributions, Debts & Progress Tracking

• Debt Status: The system automatically marks their contribution for that period as unpaid (Chưa đóng), and adds it to the Debtors List (Nợ hụi) in the host's Finance section if a member does not pay on time.
• Reminders: Hosts can trigger automated payment reminders via SMS or Zalo directly from the app.
• Penalties: Late payments accrue penalty fees based on the group configuration in one of two formats:

1. Fixed Fee + Daily Overdue Fee: Formula: `Total Penalty = Fixed Penalty Fee + (Number of Late Days Daily Fee)` Example: If the fixed fee is 50,000 VND and the daily fee is 10,000 VND, paying 7 days late incurs a penalty of: `50,000 + (7 10,000) = 120,000 VND`. 2. Percentage-Based Daily Fee: Formula: `Total Penalty = Slot Contribution (Daily Percentage / 100) * Number of Late Days` Example: If the contribution due is 500,000 VND and the penalty rate is 2% per day, paying 3 days late incurs a penalty of: `500,000 (2 / 100) * 3 = 30,000 VND`.

• Winner Payout Verification:

* After bidding finishes, the host collects contributions and pays the winner. * The app features a toggle to mark Winner Paid (winner_paid). * Period Progress Calculation (%): The progress (`pct`) for a period is calculated as the count of collected contributions plus 1 extra step for marking the winner payout as paid. 100% is only reached once all members have paid and the host has paid the winner. * The Finance screen graphs and reports only reflect the period expenditure once the host sets `winner_paid = true`.

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3. Correcting an Incorrectly Closed Period

If the host selects the wrong winner or enters the wrong bid, they cannot overwrite a period that is already completed.

Open Group details → Settings → Rollback last period, review the warning, and confirm. Huio returns the latest completed period to pending and clears its winner, bid, payment state, and related financial entries. The host can then run the auction again or record the correct winner.

Only the latest completed period can be rolled back. An older period in the middle of the history cannot be selected, and rollback is unavailable while a later auction is active.

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4. Defaults & Member Lifecycle

• Legal Recourse: The Host can export the signed Digital Financial Contract and transaction logs from Huio. These documents are legally recognized civil contracts in Vietnam and can be used in courts or police reports.

• Host Guarantee: Traditionally, the Host is responsible for covering the default to ensure other live slots receive their payouts. Huio's VNeID verification and digital contracts are specifically designed to minimize this risk.

• Member Lifecycle Invariants (Deletion/Removal Rules):

* Hosts are only allowed to Remove from group a member entirely when the group is in the Draft state. * In an Active group, full deletion of members is prohibited to maintain database integrity. Instead, hosts must use one of the standard financial operations: * Withdraw slot: Cancels future period contributions and bidding eligibility for that specific slot. * Transfer slot: Transfers ownership of the slot to another member. Note that historical debts from previous periods are tied to the old owner's profile and are NOT transferred to the new owner. The host can choose to Settle hụi to clear outstanding debts of the old owner prior to completing the transfer.

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5. Payment Confirmation via App (Digital Invoice Channel)

When a member has a Huio account, the payment confirmation flow is fully automated:

1. Host sends invoice: Tap the share icon (📤) next to the member in Finance → Today or Groups → Payments (Đóng tiền). The app sends a `payment_due` push notification.
2. Member receives the invoice: Tap the notification → opens InvoiceSheet with full details: group name, period number, amount due, and the host's bank account.
3. Member reports payment: Tap «Tôi đã đóng» (I've paid) → status changes to «Reported — awaiting confirmation».
4. Host confirms: The member's row shows an ochre «Awaiting confirmation» badge in Finance → Today or Payments. The host ticks ✓ to confirm.

«Due Today» screen: Members can view a consolidated list of all outstanding dues across all their groups in a single screen.

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6. Export Documents & Digital Bills

Huio automatically generates documents that replace manual Excel spreadsheets, supporting PDF printing and Zalo sharing:

• E1 — Group Info Sheet: Full member table with slot statuses, bids, contributions, payouts, schedule. Groups → doc → Group Information Sheet.
• E2 — Member Payment Slip: Personalised P&L slip with VietQR. Tap the grey doc icon next to a member (Finance → Today or Payments / Đóng tiền). No visible menu label «Member Payment Slip».
• E3 — Period Collection Checklist: Payment status per member. Payments tab → doc on period block.

All documents are A4-optimised and open the system share sheet (mobile) or browser print dialog (web) — ready for Zalo or PDF save.

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7. Deleting & Archiving Groups (Kasca)

To protect transaction history and ensure data integrity, the rules for deleting or archiving groups are as follows:

• Cannot Delete Directly: Active groups or Draft groups with existing data cannot be deleted directly from the main list. This prevents accidental data loss or disruption of the payment logs.


• Archived State (Closed/Archived): When a group ends (all bidding periods are finished) or when the host chooses to Close Group (Kết thúc dây hụi) early, the system moves the group to the Archived (Closed/Archived) state.


• Permanent Deletion: Only when a group is in the Archived state, the host will see the option and button to Delete Permanently (Xoá vĩnh viễn) that group from their account.

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8. Calendar & Auction Rescheduling

The Calendar interface on the Dashboard and KascaPage provides hosts with a visual overview of auction dates, payment deadlines, and winner payouts.

• Reschedule Auction: The host can change the date of any upcoming (Pending) period. On Web, this is done instantly by dragging and dropping the period to a new date, or by clicking "Reschedule" and clicking on one of the highlighted valid target dates directly (without popup dialogs). On mobile, the host selects a new date via the system DatePicker.


• Date Constraints: The new date must be after the completion date of the previous period and before the scheduled date of the next period (if performing a single period reschedule).


• Cascade Shift (Shift subsequent): When rescheduling, the host can choose to shift all subsequent periods. The system will automatically shift the dates of all future periods by the same offset, preserving the original cycle interval. On Web, cascade shift is enabled by default to ensure calendar continuity.


• Data Integrity & Transparency Log: Rescheduling is disabled for completed periods or periods with active auctions. All schedule changes are recorded in the transparency log (`group_change_log`) of the Kasca.

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9. General Kasca FAQs

• Can you change the Kasca name or avatar while it is active?

* No. When a group is in the Active state, editing the name or avatar is disabled to prevent confusion among members. Editing these details is only permitted in the Draft state or when the group has completed (Completed/Closed).

• Is there a maximum limit on the number of members or slots in a group?

* There is no strict database limit, but we recommend keeping the group size under 100-200 slots for easier period accounting and collection tracking.

• If a Kasca is deleted permanently, can it be restored?

* No. Permanent deletion is a hard delete that permanently erases all slots, contributions, transactions, and logs. It cannot be undone or restored under any circumstances.

• How do I distinguish between a live slot and a dead slot on the interface?

* In the group details screen: * Live Slot: Displayed with active colors and shows a button/form to submit bids during auctions. * Dead Slot: Grayed out with a lock icon or a "Chết" (Dead) badge, showing the period number they won and their winning bid amount.

• Can the host own slots in their own group?

* Yes, without any limit. The host simply adds themselves as a member in the group slots to participate and save along with the other members.

• How do I pause a group if there is a dispute among members?

* Huio does not have an automatic "Pause" button. In case of disputes, the host simply postpones starting the next auction cycle in real life and does not open the Live Auction on the app until the issue is resolved.

• What events trigger automatic System Messages in the group chat?

* Chat alerts are generated for: Opening a bidding session, submitting new bids, closing an auction period (winner & bid announcement), winner payment confirmations (`winner_paid`), member slot withdrawals, and reschedule actions.

• What are the steps to transfer a slot (Transfer slot) from one member to another player?

* Navigate to the group details -> Members tab -> select the slot to transfer -> tap Transfer -> enter the phone number or select the name of the new member -> tap Confirm. The system will void the old digital contract and require the new member to sign a fresh contract.

• How can a host withdraw a slot (Withdraw slot) of a defaulting member from future periods?

* Navigate to the group details -> Members tab -> select the slot to withdraw -> tap Withdraw -> confirm the action. The slot will be locked and excluded from future period auctions and contributions.

• What are the detailed steps to permanently delete a group (Kasca) from the host's account?

* Tap Close Group early (or wait for the group to complete all periods to automatically change its state to Archived/Closed) -> open the closed Kasca settings -> tap Delete Permanently -> confirm deletion. Note: This action permanently erases all group data and cannot be undone.

• How do I change/edit the name or avatar of a group after it has completed all of its periods?

* Open the closed/archived Kasca list -> open the group settings -> edit the name or upload a new avatar -> tap Save to update. (This feature is only locked while the group is in the Active state).

• How do I send an auction reminder message (Auction reminder) to all members 10 minutes before the start time?

* Only hosts: open group details -> Auctions tab -> select the upcoming period -> tap Send Reminder. The system will post a message in the group chat and trigger push notifications to all live slot owners who haven't placed a bid.

• What is the procedure to delete (recall) or edit a message sent in the group chat?

* In the chat window, tap and hold your sent message -> select Recall to delete it for everyone, or select Edit -> enter the new message content -> tap the checkmark to save (edited messages will display an "Edited" badge).

• How do I filter and view only important system messages (bids, winners, payouts) in the chat window?

* In the Group Chat -> tap the Filter icon at the top -> select System messages only. The chat history will hide casual conversations and display only transactional log events.

• What is the procedure to generate and share a unique member invite link (Invite Link E6) via Zalo?

* Open group details -> Members tab -> tap the Link icon (🔗) next to any empty slot -> tap Copy Link or tap the Zalo button to open Zalo and share the link and QR code directly with the member.

• How do I enable push notifications and what steps should I take if I am not receiving auction reminders?

* 1. Go to Phone Settings -> Apps -> Huio -> Notifications -> Select Allow Notifications. 2. Open the Huio app -> Go to Personal Settings -> Ensure the Receive Auction Reminders option is turned on.

• How do I check if the recipient of a transferred slot has completed signing their new contract?

* Navigate to Group details > Members -> Tap the slot row -> Look for the contract status badge. It will update from "Pending Signature" to "Contract Signed" once complete.

• From which screen can the host view and download the bank receipt uploaded by a member?

* Go to Finance → Today or Payments → locate the member with the ochre badge → tap the receipt image.

• Where can I view the signed digital contracts for all group members?

* Navigate to the group details screen -> Members tab -> click on the signed icon next to any member's slot to view the electronic signature details and PDF document.

• How do I share a group invite link quickly via Messenger?

* In the invite modal, tap the Messenger icon. This launches the Messenger application with the unique invitation link pre-loaded.

• How do I send an automated auction reminder 30 minutes before bidding starts?

* In the Group details settings, configure the automated bidding alerts toggle and select 30 minutes from the dropdown menu.

• How do I view the list of all my completed and archived groups?

* In the main Kasca list, scroll to the bottom or select the Archived/Closed tab to view historical groups.

• How do I recall or void an invite link that was sent to the wrong person?

* In the members or invitation settings tab, locate the pending link under the respective slot, and click the Revoke/Recall button to deactivate it.

• How do I view the total outstanding debt amount for the entire group this month?

* In the Host Dashboard, open Financials / Debtors List to see the aggregate outstanding collections.

• How does the host download the entire bidding history as a PDF log?

* Open Group details > Auctions -> Tap the share icon -> Select Export PDF (E1 - Group Info Sheet).

• Why is the period progress still at 90% when all members have completed their payments?

* The progress reaches 100% only after the host has also toggled the Winner Paid (winner_paid) confirmation button.

• Does the system automatically send birthday wishes to members in the group?

* No. The system does not automate social birthday wishes.

• Does the platform support negative bidding interest?

* No. Bids represent bidding interest and must be greater than or equal to 0.

• What is the procedure to freeze a defaulting slot?

* Go to Members -> select the defaulting slot -> click Withdraw / Freeze Slot. It locks the slot from future bidding.

• How do I print the E1 sheet directly from my web browser?

* Open the E1 sheet -> click Print or press `Ctrl+P`/`Cmd+P` in your browser.

• How do I delete a member from a group when it is still in the Draft state?

* Open the Draft Kasca -> Members tab -> click the Delete/Remove icon next to the member's slot row.