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 spread is one of the strongest revenue channels.
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.