💰
Real-Time Volume Ledger
Live aggregate deal volume, broken down by asset class, broker tier, and settlement rail. Refreshes in real time as deals transition states. Exportable as CSV for institutional reporting and fund accounting.
⚡
Programmatic Payout Execution
Broker commission splits and origination fees execute automatically via VneedPay API on Minted/Funded state trigger. No manual instruction required. Payout confirmation webhook dispatched to broker backend within 30 seconds of settlement.
🏦
ABSA Coop Pay Rail
ZMW-denominated transactions settle via the Coop Pay Ltd. ABSA Agency infrastructure. 50/50 withdrawal fee split (ZMW 6–10 per transaction). Supports cooperative member disbursements and ASM Fund drawdowns from the USD 2.5M facility.
Commission Structure by Tier
| Tier | Origination Fee | Commission | Settlement Rail | Monthly Cap | Auto-Execute Threshold |
|---|---|---|---|---|---|
| T1 · Institutional | 0.5% | 2.5% | VneedPay + ABSA | $10M | $500K |
| T2 · Professional | 0.75% | 2.0% | VneedPay | $2M | $100K |
| T3 · Standard | 1.0% | 1.5% | VneedPay | $250K | $25K |
VneedPay Settlement Flow
01Deal reaches MINTED state
02Ndeipi ES triggers VneedPay webhook
03Commission calculated at tier rate
04Payout dispatched to broker wallet
05Audit log entry written
06Broker confirmation webhook fired
ABSA Coop Pay Flow
01Cooperative member transaction initiated
02Coop Pay ABSA Agency processing
03ZMW 6–10 fee captured (50/50 split)
04Net amount credited to member account
05Transaction recorded on Ndeipi ES
06ASM Fund balance updated