B4_UR_IZ® SaaS Platform — Operations Manual

Navigate to the Sign Up page from the landing page. You will need:

• Full Name — displayed in your dashboard and admin records
• Email Address — must be unique; used for login and notifications
• Password — minimum 6 characters
• Membership Tier — select Bronze, Silver, or Gold
• Promo Code (optional) — enter a valid code to receive special pricing or free trial access

If you enter a valid promo code, you will be granted the associated tier and token allocation immediately without payment. Otherwise, you will be redirected to Stripe Checkout to complete payment.

Go to the Login page and enter your email and password. Upon successful authentication, you will be redirected to your Dashboard Overview.

If you forgot your password, contact your administrator for a reset.

You can log in using your Google account by clicking "Continue with Google" on the login page. Requirements:

• Your Google email must already be registered in the system via signup
• If no account exists, you will be redirected to the signup page with an error message
• Google SSO users do not need a password — authentication is handled by Google

Promo codes can be entered during signup or redeemed from the Settings page after login. A promo code may provide:

• Free access to a specific tier for a limited duration (e.g., 14 days of Silver)
• Custom token allocations that override the tier default
• Time-limited trials (the membership reverts to Bronze when the promo expires)

Each promo code has usage limits and expiration dates managed by administrators.

The Dashboard Overview is your home screen after login. It displays:

• Token Balance — current tokens remaining and monthly allocation
• Membership Tier — your current tier with color badge
• Monthly Actions — number of actions taken this billing period
• Token Usage % — visual percentage of monthly allocation consumed
• Quick Actions — shortcuts to VTM Studio, Token History, and Upgrade Plan
• Recent Activity — last 5 token transactions with timestamps

The collapsible sidebar provides access to all platform sections:

• Bronze: 100 tokens/month, reset on your billing cycle date
• Silver: 500 tokens/month
• Gold: Unlimited (displayed as 999,999 — no deductions occur)
• Unused tokens do not roll over to the next month
• Bonus tokens from rewards do add to your current balance

View your current balance on the Dashboard Overview or the Tokens page.

When you perform a tokenized action, the system:

1. Verifies your tier meets the action's minimum tier requirement
2. Checks you have sufficient token balance (Gold users skip this check)
3. Deducts the token cost from your balance
4. Records a transaction in your history
5. Triggers any eligible auto-rewards in the background

If you don't have enough tokens, the action is blocked and you'll see an "Insufficient tokens" error.

Token costs are organized by category. Here are the key costs:

The Tokens page shows your complete transaction history, including:

• CONSUMPTION — tokens spent on actions (shown in red)
• ALLOCATION — monthly token resets
• BONUS — reward tokens earned through gamification
• TIER_CHANGE — token adjustments when upgrading/downgrading

Each entry shows the date, description, amount, and running balance.

Click VTM in the sidebar to open the Virtual Time Machine in a secure embedded viewer. The VTM engine loads directly in your browser — no downloads or installations required.

The VTM header bar shows your current token balance and tier badge at all times.

The VTM is B4_UR_IZ®'s core 3D/4D visualization engine providing:

• Hierarchical financial data navigation in 3D space
• Time-series playback across quarters and years
• Sector and segment drill-down analysis
• Forecasting: 4-quarter (Bronze), 8-quarter (Silver), 10-quarter (Gold)
• Monte Carlo simulation and stress testing
• DCF valuation and DuPont decomposition
• Anomaly detection with z-score analysis
• Cross-dataset comparison (X-COMPARE)
• Export to CSV, HTML Rose charts, and 3D OBJ files
• Full audit trail with blockchain-ready chain export

The VTM communicates with the SaaS platform via a secure message bridge. Each action inside the VTM (loading data, navigating, analyzing, exporting) sends a token consumption request to the platform. If your balance is insufficient, the action is blocked inside the VTM with a notification.

Pre-built VTM-compatible datasets for major public equities and PE/VC funds:

Each download costs 2 tokens — Data Library lookup.

Downloadable Excel intake workbooks that serve as templates for the converters. The workflow is:

1. Download a template from the Conversion Templates tab
2. Open the Excel file and replace the sample data with your own data
3. Go to the Converted Files tab
4. Upload your filled workbook using the appropriate converter
5. The system produces a VTM Bridge CSV ready for the Virtual Time Machine

Available templates:

• APEX_FUND_III_intake_v2_filled.xlsx — PE/VC Fund intake template with Fund Info, Portfolio Registry, and 5 entity sheets (228 line items each). Pre-filled with Apex Growth Partners sample data.

This tab shows all CSV files produced by the Excel→CSV converters. These files are automatically saved to the platform and available for download. It also houses the two converter tools (see Section 8).

Reference materials including the B4_UR_IZ® VTM Help Manual (PDF format). Download costs 2 tokens.

To download any file from the Data Library:

1. Navigate to the appropriate tab (Bridge CSV, Templates, Converted, or Documentation)
2. Find the dataset you want using the search bar or by scrolling
3. Click the Download button on the dataset card
4. The file downloads to your computer and 2 tokens are deducted from your balance

Designed specifically for private equity and venture capital fund workbooks. It reads multi-sheet Excel files with the following structure:

• Fund Info sheet — fund name, vintage year, currency, strategy
• Portfolio Registry sheet — entity list with names, sectors, ownership percentages
• Entity sheets — one per portfolio company, each containing 228 standardized line items across quarterly periods

The converter auto-detects the fund structure, applies consolidation methods (CONSOLIDATION, EQUITY, FAIR_VALUE), and produces a comprehensive Bridge CSV with all entities, their attribution data, and fund-level KPIs.

Cost: 5 tokens — PE/VC conversion. Minimum tier: SILVER

Handles any Excel workbook that contains hierarchical data with dotted-index notation (e.g., 1, 1.1, 1.1.1, 1.1.2, 1.2, etc.). The converter:

• Auto-detects the best sheet in a multi-sheet workbook using intelligent scoring
• Identifies the hierarchical index column (dotted notation like 1, 1.1, 1.1.1)
• Detects period columns — year numbers (2015, 2016...) or quarter labels (Q1 2015, Qtr 1...)
• Maps hierarchy: Index, Parent (derived from index), Name, Type (CATEGORY/GROUP/ITEM), Depth
• Handles multi-line Excel headers (e.g., "1997\nQtr# 1" → Q1_1997)
• Parses comma-formatted numbers stored as strings

Cost: 5 tokens — Generic conversion. Minimum tier: GOLD

The Generic converter also handles flat tables — Excel files without a hierarchical dotted index. In this case:

• The converter auto-generates sequential indices (1, 2, 3...)
• All rows are treated as depth-1 ITEM entries
• Period detection still works (year columns, quarter labels)
• This is useful for simple tabular data like budgets, personnel lists, or time-series tables

1. Go to Data Library → Converted Files tab
2. Choose the appropriate converter:
   • PE/VC Fund → VTM Bridge CSV (Silver+) for fund workbooks
   • Generic Data → VTM Bridge CSV (Gold) for any hierarchical or flat data
3. Click Upload & Convert and select your .xlsx or .xls file
4. The system auto-detects the workbook type and processes it
5. On success, you see a confirmation with: output filename, row count, period count, file size
6. Any auto-rewards earned are displayed (e.g., "First Conversion", "PE/VC Pioneer")
7. The converted CSV appears in the file list below, ready for download or use in the Slicer & Dicer

All converters produce files in the VTM Bridge Index v2.0 format with 11 meta columns:

After the 11 meta columns, period columns follow (e.g., Q1_2015, Q2_2015... or 2020, 2021...).

Click Slicer & Dicer in the sidebar. You must be a GOLD member. Bronze and Silver users see a locked message.

Use the dropdown at the top to select a dataset. Sources include:

• Bridge CSV Library — all 11 pre-built datasets
• Converted Files — any files you've converted from Excel

Loading a dataset costs 3 tokens — Slicer & Dicer. Once loaded, the field list populates.

After loading a dataset, you see the Fields panel on the left with all available columns, separated into:

• META — text/categorical fields (Index, Parent, Name, Type, Category, etc.)
• NUMERIC / PERIODS — numeric fields marked with # (Q1_2015, Q2_2015, etc.)

Drag fields into the 4 drop zones:

To generate a pivot table, you need:

1. At least one field in Values (Σ) — these are the numbers that get aggregated
2. At least one field in Row Labels or Column Labels — these define the table structure

Once both requirements are met, click the ▶ Generate Pivot Table button. Choose an aggregation mode:

• Sum — total of all values in each cell (default)
• Average — mean value
• Count — number of data points
• Min / Max — smallest or largest value

The table preview shows up to 200 rows × 50 columns on screen. Larger datasets are truncated in the preview but fully exported via CSV.

When you drag a field into the Filters zone, checkboxes appear showing all unique values for that field. Uncheck values to exclude them from the pivot computation.

Example: Drag "Category" into Filters, then uncheck "KPI" to exclude KPI rows from your analysis.

Click Export CSV to download the complete pivot table as a CSV file. The export:

• Includes ALL rows and columns (not limited by the preview cap)
• Processes in chunks to prevent browser freezing on large datasets
• Shows an "Exporting..." spinner while processing
• File is named [dataset]_slicer_dicer.csv

Each reward has:

• Token bonus — tokens added to your balance when earned (2–15 tokens)
• Cooldown — minimum hours between earning the same reward (typically 20–24 hours)
• Daily limit — maximum times per day you can earn it (usually 1)
• Lifetime limit — maximum total times (0 = unlimited)
• Minimum tier — the lowest tier that can earn this reward

• Learning — first-time usage rewards (e.g., "First Load", "First Drill", "First Forecast")
• Exploration — discovering platform features (e.g., "Explore Macro Data", "What-If Explorer")
• Mastery — completing advanced analyses (e.g., "Forecast Master", "Pivot Master", "DCF Analyst")
• Engagement — consistent usage (e.g., "Daily Check-In", "Weekly Warrior")
• Conversion — using the Excel→CSV converters (e.g., "First Conversion", "PE/VC Pioneer", "Generic Guru")
• Social — community-related actions (e.g., "Profile Complete", "Referral Bonus")
• Streak — login streaks (e.g., "3-Day Streak", "7-Day Streak")
• Milestone — cumulative usage milestones (e.g., "100 Token Milestone")

The platform checks reward eligibility after every significant action (data loading, analysis, conversion). The system:

1. Identifies the action you just performed
2. Looks up all matching reward rules
3. Checks cooldown, daily limit, lifetime limit, and tier eligibility
4. Grants tokens and records the reward if all checks pass

To see rewards you have earned:

1. Go to Settings → Token History
2. Filter by type "REWARD" to see all reward transactions
3. Each entry shows the reward name, tokens earned, and timestamp

Your total token balance (shown in the sidebar) always reflects all rewards plus subscription tokens minus spent tokens.

Access via the Settings link in the left sidebar. Here you can view:

• Your display name and email address
• Current subscription tier and expiry date
• Token balance and recent token history
• Account creation date

Your current tier determines which features are available:

To cancel your paid subscription:

1. Go to Settings
2. Click Manage Subscription
3. You'll be redirected to the Stripe Customer Portal
4. Click Cancel Plan in the portal

The Stripe Customer Portal allows you to:

• Update your payment method (credit/debit card)
• View past invoices and receipts
• Cancel or change your subscription plan
• Update billing address

Access it from Settings → Manage Subscription.

1. Choose a tier on the Pricing page or via Settings → Upgrade
2. You're redirected to a Stripe Checkout page
3. Enter your card details and confirm
4. On success, your tier and tokens are updated immediately
5. Stripe sends a receipt to your email

Upgrading: You can upgrade at any time. Stripe prorates the cost — you only pay the difference for the remaining billing period. Your new tokens are available immediately.

Downgrading: Go to the Stripe Customer Portal and switch to a lower plan. The change takes effect at the next billing cycle.

Promo codes grant temporary tier access without payment. To redeem:

1. Go to Settings
2. Find the Promo Code section
3. Enter the code and click Redeem
4. If valid, your tier and tokens update instantly

Dashboard showing key platform metrics at a glance:

• Total users, active subscriptions, revenue
• Token economy stats (tokens issued vs. spent)
• Recent signups and activity

Full user management:

• View all registered users with their tier, role, token balance, and last login
• Search and filter users by name, email, tier, or role
• Edit a user's tier, role, or token balance directly
• View individual user token transaction history

Create and manage promotional codes:

• Create new codes with custom tier, duration, and token grant
• Set usage limits and expiry dates
• Track redemption count and which users redeemed each code
• Activate or deactivate codes

Configure the token economy:

• View and edit all 44 token action costs
• Actions are grouped by category (VTM, Data Library, Analysis, etc.)
• Each action has a name, token cost, and description
• Changes take effect immediately for all users

Manage the 25 reward rules:

• Enable or disable individual rewards
• Adjust token bonus amounts, cooldowns, and limits
• Set minimum tier requirements for each reward
• View reward earning statistics across all users

Platform-wide analytics and reporting:

• User growth charts over time
• Revenue and subscription trends
• Most-used features and actions
• Token economy health (inflow vs. outflow)

Database and data management tools:

• Export platform data for backup or analysis
• View database statistics and health
• Manage Bridge CSV datasets available in the Data Library