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How Partners Earn: Revenue-Sharing Model

How Partners Earn: Revenue-Sharing Model

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 transactionsEvery 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 currencyFX 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 checkoutMerchants 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 structuresThis 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 acceptanceEvery 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 feesPartners 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 FXLocal 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 processingThis 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 packagesThis 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 transfersHigh-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 spreadOne 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.