You own this bot. Creators subscribe and get an ID — like LA-ADA. They bind a group name and a bank account to that ID. Member money for the ID goes to that account. Your percentage credits your Telegram wallet. Customers send the ID or the group name to @TeleMonetizeBot. They pay in dollars — or another currency — by card or bank transfer. I send the join link after Paystack confirms. They never see the split. If they do not renew, I kick them. A server cron runs that loop; /loop is a manual override.