Diversified across 3+ networks cuts payment-shock variance 64% vs single

Diversified across 3+ networks cuts payment-shock variance 64% vs single

Running one primary network vs splitting volume across 3-5.

— Single-network monthly income variance: 1.0 (baseline) ▏▏▏▏▏▏▏▏▏▏
— 3-network spread variance: 0.36 ▏▏▏▏
— Cost: ~6% lower caps (lose volume-tier bonuses)
— Shaving/missed-payment exposure cut from 100% to ~33%

Read: concentration earns tier bonuses but one shave or hold wrecks the month; diversification trades ~6% upside for 64% less catastrophic variance. Keep 1 primary + 2 hedges. n=24 affiliates.