Difference between old and P2P design
Written by B3Networks Academy
Updated at June 2nd, 2023
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Table of Contents
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 |