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