How many of each card exist, how they grade, and the holder cards that mirror every large wallet.

A card's grade is its realized gain over its seeded capital, cut into ten steps of about 2.2% each, recomputed on every fill. A fresh card is grade one. A card that has captured a fifth of its seed in spread is grade ten. Grade never uses time, only fills.

The twenty largest accounts each get a mirror card. Holder cards own nothing in the pool. They rank. When a shiny burns, the ten highest graded holder cards at that moment are written into the burn record.