The flow of credit in P2P transactions
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Table of Contents
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
![](https://d2x3xhvgiqkx42.cloudfront.net/c94ab348-5fb1-4c1d-89b1-fa79e3e916d0/81ec6e6f-2b1b-45dc-9193-b23c4a10d966/2021/05/21/6251c56f-c926-4550-b9d0-3db5e6064fac/464c4f1f-4ffc-4948-8596-599f13ad7f7c.png)
![](https://d2x3xhvgiqkx42.cloudfront.net/c94ab348-5fb1-4c1d-89b1-fa79e3e916d0/81ec6e6f-2b1b-45dc-9193-b23c4a10d966/2021/05/21/cc20f992-7010-41ab-9e96-0f2afba5054f/b3f4e4d7-5041-41d3-9f8f-ec9785813919.png)
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 |