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 ---
 slug: load
 title: Load
 state: super-draft
 id: null
 repo: null
 proposed_by: ben.stull@wiggleverse.org
 proposed_at: '2026-06-01'
 graduated_at: null
 graduated_by: null
 owners:
 - ben.stull
 arbiters: []
 tags:
 - payments
 ---
 A Load is the moment a Human moves real money into stored value, and not all loads are equal. This RFC defines Load and the principle that any reward must be funded by a fee the platform avoided, never stacked on a fee it paid — which is why bank rails can earn a discount and cards cannot. It serves Agency and depends on Informed Consent.