BinaxPay provides a clear, scalable, and transparent revenue-sharing model that allows partners, operators, JV entities, merchants, PSPs, and institutional collaborators to earn across multiple financial activities. Because BinaxPay operates on a multi-rail, multi-corridor, multi-product ecosystem, partners benefit from several income streams—not just one. This creates long-term, stable, recurring revenue for every country and operator involved.
1. Transaction Fees on All Incoming & Outgoing Transfers
Partners earn a share of fees on:
- local payouts
- local collections
- mobile money flows
- bank transfer deposits
- bank transfer withdrawals
- internal wallet transfers
- corridor-based FX transactions
Every completed transaction generates revenue for the partner.
Real Example User in the US sends $100 → Kenyan user receives KES instantly → partner earns a percentage of the transaction fee on that payout.
2. FX Spread Revenue (Internal Virtual Conversion Model)
FX spreads are one of the strongest revenue channels for partners.
Partners earn when users convert:
- USD → local currency
- EUR → local currency
- GBP → local currency
- local → foreign currency
FX is handled internally on the ledger, so spreads are predictable and profitable.
3. Merchant & Enterprise Settlement Fees
Partners earn revenue on:
- merchant acquiring
- settlement fees
- QR payments
- card settlements
- mobile money acceptance
- POS transactions
- payment links & online checkout
Merchants generate high-volume, recurring daily revenue.
Real Example A supermarket chain processes 20,000 mobile money/QR/card payments daily → partner receives settlement revenue daily.
4. Wallet & Account Fees
Partners can earn from:
- wallet creation pricing (if enabled)
- account maintenance fees
- business account upgrades
- premium account features
- enterprise multi-wallet structures
This creates predictable monthly recurring revenue.
5. Card Program Revenue Streams
Partners earn from:
- virtual/physical card issuance
- card transaction interchange
- card top-up fees
- card replacement
- cross-border card spend (FX)
- ATM withdrawals
- merchant card acceptance
Every card program becomes a long-term recurring income source.
6. Mobile Money Corridor Revenue
Mobile money corridors generate:
- payout fees
- collection fees
- merchant acceptance fees
- API integration fees
Partners who integrate mobile money rails see immediate volume growth.
7. Business & Enterprise Services
Partners earn from SME and enterprise services including:
- payroll processing fees
- supplier payout fees
- recurring billing
- invoicing fees
- bulk payout batches
- subscription tools (ERP/CRM/FIN modules)
Business clients generate the most stable recurring revenue.
8. Treasury & Liquidity Spread
Partners participating in liquidity pools earn:
- liquidity yield
- corridor liquidity incentives
- spread from rebalancing
- priority access to FX
Local partners who support treasury operations increase earnings significantly.
9. Compliance & Onboarding Fees (Optional for Local Partners)
Partners may charge for:
- enhanced KYC
- institutional onboarding
- SME onboarding
- merchant verification
- compliance processing
This is especially valuable in markets requiring manual or enhanced verification.
10. API & Platform Usage Fees (For Technical Partners)
Technology partners earn fees on:
- API usage
- enterprise integrations
- platform-as-a-service billing
- white-label customization
- developer support packages
This is ideal for telecoms, PSPs, and large platforms.
11. Commission From Cross-Border Corridors
Partners earn a share of corridor-based volume for:
- worker remittances
- SME import/export payments
- diaspora money flows
- e-commerce settlements
- corporate treasury transfers
High-volume corridors produce extremely strong revenue.
12. Real-Life Multi-Stream Example
Scenario: Partner in Ghana operates the local ecosystem.
Revenue sources:
- User transfers → earns on each payout
- Mobile money collection → earns on every payment
- FX → earns on virtual USD/EUR/GBP → GHS conversion
- Merchants → earns on mobile money & card settlement
- Enterprises → earns on payroll & bulk payouts
- Card program → earns interchange & card usage
- Treasury participation → earns liquidity spread
One partner → 7 different income channels.
Conclusion
BinaxPay’s revenue-sharing model gives partners access to diversified income streams across transfers, mobile money, FX, merchant settlement, card programs, treasury activity, enterprise tools, and API infrastructure. This creates predictable, scalable, multi-layered earnings for every country operator, PSP, bank, enterprise, or institutional partner working inside the BinaxPay ecosystem.
