What We Offer

OUR SOLUTIONS/PRODUCTS — The Blueprint

Bank Issued Stablecoin & Tokenized Deposit Account Types

Stablecoins & tokenized deposits can flows through and have balances in the following CommunityV account types.

CommunityVcash

• “True Mobile & Online Digital Cash”
• “Digital Money For Your Digital Bank”
• Cash extension to mobile and online banking and wallet apps
• Use online as well as offline
• Works for banked and underserved/unbanked customers
• See First Use Case

CommunityVcredit

• Credit account equivalent for online and mobile digital revolving lines of credit
• CommunityVcash to recipients as spent and owed to credit issuer
• No card number necessary, but can for “legacy” compatibility
• Consumer approved transactions settle direct from creditor to merchant or vendor
• Flexible billing frequency & methods
  • Weekly, Bi-Monthly, Monthly
  • Optional auto bill when close to credit limit or end of billing cycle
  • Lowers risks and allows for smaller credit lines
• Optional overdraft to draw funds from CommunityVcash account

CommunityVchecking

• Online cash + “legacy” transactions all post to CommunityVcash account balances
• “Legacy” check, debit card, and other debits and credits auto post into CommunityVcash accounts
• Upgraded transitional conversion of “legacy” checking accounts

CommunityVFX

• CommunityVcash and CommunityVcredit in other than your home currency
• FX Exchange Marketplace converts stablecoins of one currency for another
• Use for Cross Border transaction types such as
  • FX remittances
  • International Wire replacements
  • Cross Border bill payments
  • Merchant transactions in a foreign country

LoyaltyVpay

Leverage loyalty and digital assets in a variety of ways including…

• Accept merchant issued stablecoins & loyalty crypto points for payment
• Discounts for paying via stablecoins, tokenized deposits, pay-by-bank, and other preferred acceptance
• Issue merchant stablecoins & crypto loyalty points as incentives to come back to spend more
  • Note that these merchant specific digital assets can be peer-to-peer wallet transferred and swapped
• Use stablecoins for refunds, paying employees, vendors, and suppliers
• Issue and accept digital asset coupons
• Enable electronic refund requests in place of chargebacks

Smart Transactions

All transactions initiate through identification and Smart Transaction requests. They end in Smart Transaction approvals.

• Identification
  • Merchant and vendor specific loyalty IDs can be linked and used to initiate requests
  • Card based, scanned, biometric, login, wearable, and other means of ID can be linked to loyalty
• Payment & Refund Requests
  • All payments start with electronic payment requests
  • All request and payments have refund terms
  • Refund requests can replace chargebacks
• Approval method preferences & controls
  • Min - Max ranges by account, use case, etc…
  • Specific Merchants/Vendors
  • Specific Merchant Category Codes (MCCs)
  • Specific line item level commodity codes and SKUs
  • Approval can be required before or just notified after auto approval via...
    • Smart Phone App
    • PIN
    • Biometric
    • Text or email message link or one time code
  • Optional secondary level approval or notifications
    • Implement for corporate purchase controls
    • Setup parental controls of family purchases

CRVpay

• Compliance Related payments
• Can require specific additional data and/or attachments
• Can specify limits for certain use cases and/or account types
• Can require age verification
• Can require and track supply chain traceable product source data
• Applicable to compliance sensitive commerce

AutoTaxVpay

• Sales taxes can be auto paid per transaction
• Merchants/Vendors can configure their own tax payment preferences
• Smart Transaction tax details can identify line item level tax types and amounts
• Different tax types can be directly paid to applicable tax authorities
• Taxes can be separated into Merchant/Vendor tax escrow accounts