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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 spread is one of the strongest revenue channels. 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.