Ps-Mall Ecosystem
Issuer bank partnership
A practical model for a regulated digital balance inside a real commerce loop.
Partnership Pack
Objective
Provide the market with a usable digital balance connected to acceptance (POS + online) and settlement through an issuer bank.
What the bank provides
- Reserve account / backing (ILS or basket as agreed).
- KYC / AML governance and compliance oversight.
- Settlement rails (merchant payouts, reconciliation, reporting).
- Card issuance roadmap (optional) + risk policies.
What Ps-Mall provides
- Unified account layer + role-based onboarding.
- Wallet operations within closed-loop acceptance.
- Commerce demand: retail + wholesale + delivery.
- Agent network for cash-in/out under rules.
Commercial model
Revenue streams
- Merchant service fees (MDR / fixed) within Ps-Mall acceptance.
- Float / reserve management arrangements (subject to regulation).
- Value-added services: payroll, bill pay, B2B settlement.
Risk controls
- Transaction limits by segment and risk score.
- Agent liquidity controls + audit trails.
- Dispute / chargeback policy (where applicable).
Pilot proposal (8–12 weeks)
- Scope: 1 city + selected merchants + limited agent points.
- KPIs: active users, payment volume, settlement cycle, fraud rate.
- Deliverables: reconciliation report, operational playbook, scaling plan.