Flourish Escrow Account
Working Capital Deployed to Index
Inbound Flow & Card Activity
Supplier Settlement Queue · 48-hour SLA
KYC Register
| Member | Role | Screening |
|---|---|---|
| No members enrolled yet. | ||
New Revenue Accrued This Session
Regulatory Position
Send money for 10 bags of cement.
Your family collects 13.
Flourish-500 is a Production-Backed Remittance Index. Diaspora transfers arrive through the same licensed operators senders already use, land in a ring-fenced pre-purchase escrow at the partner bank, and are deployed — on standing customer instruction — as advance purchases from a diversified basket of vetted producers. Families redeem goods at factory-gate prices worth 15–45% more than cash buys at retail, or take cash at face value, always at their own discretion.
The ninety-second bank pitch
“Right now, remittances arrive and disappear into the street the moment they're cashed out at your desk. You make a small fee on the inbound transfer, and then you lose it. We want to bring that money back into your bank. Diaspora senders redirect their transfers into a dedicated pre-purchase account at your bank — not instead of sending money, but as the new way of sending it. We've negotiated with manufacturers to deliver more goods than the cash price would buy, in exchange for guaranteed advance payment. You don't lend anything. You don't risk anything. You hold the pool, you execute payment instructions, and you earn on every downstream transaction when the family spends the card. That is Flourish. No new regulation. No new capital. No new risk. Just a smarter pipe for money that is already coming to you anyway.”
The Flourish Credit — architecture rules
| Parameter | Specification |
|---|---|
| Exchange rate | Fixed and permanent: 10 FC = USD $1.00. Never fluctuates. Not traded anywhere. |
| Issuance | FC issued exclusively on receipt of cleared funds into the Flourish Escrow. USD received × 10 = FC credited. Supply is always 1:1 with escrow. |
| Redemption | Goods and services at indexed suppliers at pre-agreed wholesale prices; cash at any ATM at face value; EcoCash bridge at face value; peer transfer to any registered holder. |
| Retirement | FC permanently cancelled on redemption or withdrawal. No secondary listing, no market price. |
| Granularity | The 10× denomination removes rounding prejudice — a $11.50 item is exactly 115 FC. Every cent preserved. |
| Sender locks | Optional, sender-elected only: sector lock, goods-only lock, transfer lock. Never imposed by the bank or by Flourish. Default is unrestricted. |
| Classification | Closed-loop pre-paid goods credit — legally the digital equivalent of a voucher or store credit, administered under the bank's existing prepaid card authorisation. |
Three collection options — consumer freedom is non-negotiable
Goods redemption
Present the card at any indexed supplier. Factory-gate price applied. 15–45% more value than the cash equivalent. The primary intended use — chosen voluntarily, because it is obviously better.
Cash withdrawal
Any partner-bank ATM, any time, no questions asked. Face value in USD. The recipient's ability to take cash is never diminished or obscured — this is the model's consumer-protection cornerstone.
Transfer & bridge
Peer-to-peer FC transfer to any registered holder via WhatsApp, down to 1 FC ($0.10). EcoCash bridge at face value for recipients without bank access.
Sequencing — breaking the chicken-and-egg
Manufacturer first. Approach as a wholesale buyer, not a fintech: “we represent a pool of diaspora buyers with a monthly purchasing commitment — what discount can you offer for a guaranteed drawdown?” No card infrastructure discussion needed.
Then the bank. Return with the signed supply agreement: “we have a supplier ready to offer a volume discount to our buying pool; we need you to hold the account and process pre-purchase payments — you take zero risk, we bring the customer volume.”
Then the pilot. One bank, one supplier, one product category with a single verifiable product and a producer constrained by working capital. Once proven, every subsequent supplier approaches Flourish — not the reverse.
What the partner bank earns — with zero new capital
| Stream | Mechanism |
|---|---|
| Producer rebates | $0.50–$2.00 per unit delivered across the index, paid by the supplier as their distribution cost in lieu of marketing spend. |
| Card interchange | 1–1.5% on every Flourish card transaction, on the bank's existing card rails. |
| Processing fees | 0.5% on inbound escrow deposits and 0.5% on redemption settlements. |
| Escrow float | Treasury return on the seven-day average escrow balance before deployment. |
| New accounts & lending | Diaspora senders convert to full account holders at zero acquisition cost; Flourish transaction history underwrites later micro-lending — an entirely separate, standard bank product. |