TCash Economics Simulator

Interactive decision-support model for wallet economics. Values in PGK.

Monthly TPVPGK 40.00M40,000,000 PGK / month
Annualized TPVPGK 480.00M480,000,000 PGK / year
Required Cash-InPGK 13.33MTPV ÷ velocity 3×
Gross RevenuePGK 584,000Blended take 1.46%
Total Variable CostPGK 16,667Funding 16,667 · Activity 0
Net ContributionPGK 567,333Annualized 6.81M
Contribution / UserPGK 6Per active user / month
Margin on TPV1.42%Net contribution ÷ TPV

PGK flow

How value moves through the wallet each month.

PGK 100 Journey

Normalized — every 100 PGK entering the wallet, end to end.

Cash-in100
Funding cost0
Total TPV300
Gross fees4
Variable cost0
Retained contribution4

Value circulates 3.0× — one cash-in event supports 300 in monetizable TPV.

Top-line drivers

Funding sources

100.00% allocated
Bank transfer / bank funding60.0%
Card funding10.0%
Agent cash-in10.0%
Salary / G2P / bulk disbursement15.0%
Other5.0%

Wallet activities

100.00% of TPV
Wallet-to-wallet / P2P40.0%
Merchant QR / Scan-to-Pay20.0%
Bill payments15.0%
Government payments5.0%
Marketplace / e-commerce10.0%
Telco services5.0%
B2B / enterprise settlement0.0%
Cash-out5.0%
Other0.0%

Fixed operating expenses (OPEX)

Second analytical layer — separate from transaction contribution.

Operating contributionPGK -302,667Net contribution − fixed OPEX
Break-even users153,349Monthly active users to cover OPEX
Break-even TPVPGK 61,339,600Monthly TPV to cover OPEX
Total fixed OPEXPGK 870,000Per month

Scenarios

Save the current assumptions and compare outcomes.

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Sensitivity analysis

Sweep one lever and see the effect on contribution.

Current Wallet velocity: 3.00×

Export

Download the current scenario or its results.