01
How member units work
Contributions are converted into cooperative units using the latest approved unit price.
Transparency centre
Know how your money moves.
ThriveCoop turns cooperative finance into rules members can read, question, and verify—from the value of a unit to the controls behind every payout.
The rule library
Transparency, topic by topic.
Start with the question that matters to you. Each guide explains the operating rule and links to the policy that governs it.
Member value
Understand what members own, how cooperative value is calculated, and how shared surplus is allocated.
Open guide
02
How unit price is set
The unit price is based on approved Main Pot NAV divided by eligible Main Pot units.
03
How optional investments work
Only opted-in members participate in a specific investment’s profit or loss.
04
How reserves work
Realised surplus can be allocated to treasury, cooperative, operating, and member benefit reserves.
Money in motion
Follow the rules that apply when money moves out, credit is issued, or a member statement is prepared.
05
How withdrawals work
Withdrawal requests reserve available units. Approved withdrawals redeem those units before payout.
06
How loans work
Approved loans create an outstanding balance. Repayments reduce that balance and do not issue units.
07
How statements are prepared
Statements are generated from posted ledger and unit records, including historical opening and closing balances.
Protection & accountability
See the controls that protect member records and the risks every member should understand before taking part.
08
How misuse is prevented
Posted records are immutable, sensitive actions require trustee approval, and reconciliation checks surface exceptions.
09
Risks members should know
Understand unit value, liquidity, investment, loan, payment reversal, and cooperative operating risks.
Member trust
Built for transparent cooperative accounting
Financial activity is recorded through balanced accounting entries.
Member transactions use approved NAV prices, not pending calculations.
Sensitive actions require configured governance approvals.
Member statements are generated from posted ledger and unit records.
See the cooperative clearly
Numbers build trust when members can inspect them.
View the public cooperative dashboard for aggregate membership, contribution, unit, loan, and reserve information.