In terms of the P2P model, you need to look at 2 different perspectives for every transactions or interaction:Partner – Customer: Represented by the Customer Balance
- If the value is positive (+): the partner owes the customer
- If the value is negative (-): the customer owes the partner
B3 – Partner: Represented by the Partner Balance
- If the value is positive (+): B3 owes the partner
- If the value is negative (-): The partner owes B3
Top-up
| Action | Non – P2P | P2P |
|---|---|---|
| Top-up Online to B3 | B3 issues credits to the customer wallet directly. (automatic) | B3 issues credits to the partner, and helps the partner to issue credits to their customer. (automatic) |
| Top-up Online to Partner | N/A | B3 helps the partner to issue credits to the customer. (automatic) |
| Top-up Offline to B3 | B3 issues credits to the customer wallet directly. (manual) | B3 issues credits to the partner and the partner issues credits to the customer.(manual) |
| Top-up Offline to Partner | Partner transfer points from their own wallet to the customer wallet. (manual) | Partner issue credits to the customer directly. (manual) |
Subscribe
| Non – P2P | P2P |
|---|---|
| Customers’ points will be deducted by the price of the subscription. | Customers’ points will be deducted by the price of the subscription. |
| Partners’ points will be deducted by the cost of the subscription and added by the price of the subscription | Partners’ points will be deducted by the cost of the subscription. |
Scenario examples
Let’s use the following scenario examples to understand more on how P2P changes the current operations.
| Transaction | Customer Balance | Partner Balance |
|---|---|---|
| Start | $0 | $300 |
| Customer top-up $100 online via B3 Stripe | $100 | $400 |
| Customer purchases app for $100(Partner’s cost is $80) | $0 | $320 |
| Customer top-ups $150 directly to the Partner (either manual or online using partner’s payment gateway) | $150 | $320 |
| Customer makes a call for $1 (Partner’s cost is $0.8) | $149 | $319.2 |
