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Provisional — costs unconfirmed
Net contribution is provisional. The following cost assumptions are non-zero but not yet management-approved or contract-confirmed:
- Card funding — funding fee / per-event fee is non-zero but unconfirmed.
Overview
Core KPIs, the velocity bridge and the PGK 100 Journey for the selected scenario.
Active usersillustrative100,000Monthly active users driving wallet transaction volume.
users / monthMonthly active users
Monthly TPVillustrativePGK 40.00MTotal monthly transaction value across all wallet activities.
PGK / month40,000,000 PGK / month
Wallet velocityillustrative3.0×How many times value circulates before leaving the wallet.
×Circulation multiple
Required cash-inillustrativePGK 13.33MCash-in needed to fund one month of TPV given velocity.
PGK / monthTPV ÷ velocity 3.0×
Funding costillustrativePGK 16,667Cost of funding the required cash-in across source channels.
PGK / monthApplied to cash-in only
Funding cost / TPVillustrative0.042%Funding cost expressed as a share of monthly TPV.
%Efficiency view
Activity variable costillustrativePGK 0Direct processing, partner share and agent commission costs.
PGK / monthDirect + partner + agent
Gross revenueillustrativePGK 584,000Gross transaction revenue before costs.
PGK / monthBlended take 1.46%
Net transaction contributionillustrativePGK 567,333Gross revenue less funding and variable transaction costs.
PGK / monthAnnualized 6.81M
Contribution / active userillustrativePGK 5.67Net transaction contribution per active user per month.
PGK / user / monthPer active user / month
Annualized contributionillustrativePGK 6.81MNet transaction contribution annualized.
PGK / yearPer year
Operating contributionillustrativePGK -302,667Net transaction contribution less fixed operating costs.
PGK / monthNet contribution − fixed OPEX
Fund once, spend anywhere
Funding sources (cost %) → TCash Wallet → activities (charged rate) → net-to-source earnings.
Blended funding cost on TPV: 0.042%. Each activity's “net” = charged take rate − this cost, confirming we charge above source cost.
PGK 100 Journey
Normalized — every PGK 100 entering the wallet, end to end.
Cash-in100.00
Funding cost0.13
Cumulative wallet activity TPV300
Gross fees4.38
Activity / partner costs0.00
Retained contribution4.26
One cash-in event supports 300 in cumulative wallet activity TPV (value recirculates 3.0×).
Export
Versioned JSON + CSV with assumptions, metadata and validation status.