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The flow of credit in P2P transactions

Written by B3Networks Academy

Updated at June 2nd, 2023

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Table of Contents

Introduction of P2P framework Example:

Introduction of P2P framework

P2P essentially means Peer to Peer/ Person to Person. It’s the back-end system designed to support a direct interaction between the partners and the customers.

All transactions will be between 2 parties only:

  • B3 to Partner
  • Partner to Customer

Example:

Action Amount  Partner Balance (A) Customer Balance - Liability (B)

Partner Usable credit 

= (A) - (B)
Partner open a B3 account - 0 0 0
Partner top-up online to B3 2000 2000 0 2000
Partner top-up offline to B3 4000 4000 0 6000
         
Customer top-up offline to Partner 200 6000 4000 5800
Customer top-up online to Partner 300 6000 500 5500
Customer top-up online to B3 1000 7000 1500 5500

Customer purchase a service 

(subscription, call, hardware, etc)

Cost 10

Price 50

 6990 1450 5540
         
Customer withdraw credit to B3 stripe  500 6490 950 5540
Customer withdraw via Cheque 200 6490 750 5740
Customer request refund to Point

Cost 30

Price 100

 6520 850 5670
p2p lending credit flow

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