While the majority of fee payments are dedicated to incentivise Underwriters, Ambassadors, and SOURCE stakers, the Reserve pool receives 20% (adjustable by governance) of all network proceeds. Additionally, the network may offer members the ability to substitute their SOURCE fee payments with rUSD fee payments, and may decree low interest rates (paid in rUSD) to incentivise the swift repayment of overdue debt. These rUSD remittances are directly transferred to the Reserve.