You must be talking about the so-called snapshot that will take place later this month.
That means that on a date chosen by the Kooday administrators, they will record every member's position, that is - the number of credits they own at that time. This will be the basis for future profit share payments, as I understand it. This is the reason so many of us are in a race to get to the diamond level. We want to be positioned at the very top when that time comes.
That being said, if you need help in getting the credits needed to reach Gold, I can help. By using a sort of buddy system devised by others here, some of us who are at Gold and working for Diamond have offered to lend a hand to others who are not yet at the Gold level. We do this by taking some of your keywords and running them up to a price that you specify in advance. Most people want this to be $1.08. Then you buy the words back from us and finish the steps to $19.32, the point at which you earn 1,074 credits.