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Payment Distribution

CREATION OF ANY POINT-TO-POINT PAYMENT USE CASE

Payment processing supporting any type of entity and payment flow, such as business-to-business (B2B), consumer to consumer (C2C), eCommerce and mCommerce (C2B), and mass payouts (B2C). Support for marketplaces and split payments and reconciliation is all feasible on the DLT.

Instant settlements between peers, possible integration with multiple cash-in and cash-out options and instant commission transfer to the partner.

Segregated accounts and wallets, with automated payouts and the possibility to link funds to event triggers or post-payment reconciliation

BENEFITS

BUSINESS BENEFITS
(PARTNER)

USER BENEFITS
(PAYER)

USER BENEFITS
(PAYEE)

FUNCTIONALITIES

  • Collecting funds from multiple users (individual or business)
  • Peer-to-peer (direct) transactions between users – partner is not an intermediary
  • Instant money transfers to any participant
  • Holding balance on a segregated account (panel for merchants and application for end-users)
  • Sending funds to multiple users (individual or business)
  • Splitting single payments to many streams, according to programmable business logic
  • Cashbacks or rewards granted instantly after successful transaction
  • Blocking funds, escrow service, to enable easy return of goods with an instant refund
  • Money circulation model based on business processes, not otherwise
  • Integrates with virtual card systems for shopping and card payments
  • Ability to cash-out from ATM

HOW IT WORKS

  • Our technology is based on a transactional platform, a mobile application and web panels for partners and merchants.
  • We integrate through API – payers can cash in with a credit / debit card, a bank transfer or in cash-in points, payees can cash-out to a bank account or our mobile lite account (mobile wallet) using a payout panel.
  • Users can receive cashback and other rewards to either a partner account, their personal mobile account, or redeem to their bank account

BUSINESS MODELS

Sending funds from one user to multiple users 

(buying from multiple shops, using multiple services like VOD)

Sending funds from one peer to another

(B2B, B2C, C2C)

Sending funds from multiple users to multiple users

(payment ecosystems, including settlement reconciliation and splitting payments, e.g., for royalties or taxes, marketplace)

Collecting funds from multiple users and sending them to one or more users

(crowdfunding, buying gifts, charity collections, shared car rental)