Ps-Mall Ecosystem: day-to-day commerce infrastructure in one loop
We connect a unified account, a wallet for payments, retail + wholesale commerce, delivery operations, and in-store POS into one practical operating system for the market.
- One account for all roles: consumer, merchant, agent, delivery, admin.
- A practical wallet for payments and transfers within an acceptance network.
- Retail for consumers + wholesale for merchants inside the dashboard.
- Delivery operations and pickup/drop-off points.
- In-store POS with a roadmap for self-checkout.
We connect a unified account, wallet, commerce, delivery operations, and POS to create measurable day-to-day usage.
In an issuer-led model, the bank holds the reserve and approves verification/limits, while Ps-Mall runs acceptance, operations, reporting, and settlement workflows.
Open the Bank Partnership pageModules
Connected layers with clear responsibilities.
One account across all channels: consumer app, merchant dashboard, agent operations, and delivery operations. Every action is tied to a clear identity.
A balance for payments and transfers within the ecosystem, with a clear ledger and statements for every movement.
Consumers buy and pay. Merchants sell, and can buy wholesale inside the same dashboard without friction.
Courier companies and drivers, tracking, proof of delivery, and pickup/drop-off points. Delivery economics can be managed inside the system.
In-store sales flows for merchants, with invoicing and operational controls, plus a roadmap for self-checkout linked to the wallet.
Approved points for loading and cashing out when needed, with limits and liquidity control.
Merchants, approvals, fees, reporting, and operational monitoring with measurable KPIs and controls.
Flows
How orders and payments move across the ecosystem.
A practical loop: consumers pay merchants inside the ecosystem, and merchants reuse balances for wholesale and delivery services, reducing the need for cash-outs.
- Consumer purchase: wallet payment → merchant balance in-system.
- Wholesale purchase: merchant reuses balance → wholesaler balance in-system.
- Delivery: courier earnings are recorded after completion.
- Cash in/out: gateways via approved agents with clear limits.
A simplified view of how transactions move from identity to wallet, then commerce/logistics, and finally clearing and settlement.
Bank Model
Issuer-led partnership with Ps-Mall technical operations.
- The bank holds a segregated reserve and approves verification and limits.
- Ps-Mall operates the apps, acceptance network, daily operations, and reporting.
- Settlement is scheduled and designed to keep daily activity inside the market loop.
- Balances are denominated in ILS and fully backed via a segregated reserve.
- Agent network for cash in/out with limits and liquidity policy.
- Fair operational fees based on merchant payments and services.
- Joint governance and service level agreement.
This is not a new currency. It is a fully-backed, ILS-denominated digital balance used within a defined acceptance network, with real daily usage driven by commerce and logistics.
Governance
Verification, limits, segregation, auditing, and risk.
- Tiered verification and clear limits per account level.
- Operational monitoring and anomaly alerts.
- Complete transaction records suitable for review and audit.
- Segregation of customer funds from operating funds.
- Clear dispute and complaint workflows.
Without clear verification policies, segregation of customer funds, and periodic audits, any digital payment product will face immediate trust and operational risks.
Ps-Mall reduces cash-out pressure by giving merchants practical in-network spending paths (wholesale purchases, delivery services, and operations).
Roadmap
Pilot first, then scale with measurable controls.
Product definition, responsibilities, pricing, limits, and operating documents.
Wallet + acceptance + initial merchants and agents.
Single city or merchant chain pilot with KPIs and controls.
Expand sectors and cities after stabilizing the model.
Contact
Official PsMall Software Services contact.
We build a unified commerce and logistics ecosystem with practical payment operations designed for real daily usage.
- Project team (Compliance + IT + Operations).
- Segregated reserve + daily reconciliation.
- KYC/AML policies and user/agent limits.
- Integration channel (API or daily settlement files).