Updated: 5th November, 2025.

Author: Faisal Khan.

<aside> 💰

Referral Fee Structure

My one-time referral fee for this project is USD 15,000.

The payment terms are as follows:

• USD 5,000 is payable upon signing of the Referral Agreement.
  • Of this amount, 50% (USD 2,500) is refundable only if I am unable to introduce a successful solution provider within the agreed scope.
• The remaining USD 10,000 becomes due and payable upon execution of a Master Services Agreement (MSA) between you and the referred Solution Provider.

Please note that fees and terms are subject to change; kindly inquire within for confirmation of current pricing prior to engagement.

</aside>

1. Executive Summary

This document proposes a compliant, one-way settlement corridor from the United States to India. US collections occur via Fedwire, ACH, Debit Card (merchant acceptance), or Zelle*. Funds are received by the US sponsoring MSB, then remitted to a correspondent Payout Partner Bank in INdia for final payout to the end beneficiary.

FX & Pre-Funding (read first):

• FX rate is not shown here because the FX rate is supplied by the Indian bank, and FX gains are 100% for you, the White-label Operator. The US MSB settles only in USD.
• Pre-funding must be arranged by you. The required pre-funding amount is directly proportional to the payout limit you request from the US MSB.

The model is modular, compliance-led, and scales well; economics improve with volume (material uplift beyond ~USD 2M/month).

2. Flow of Funds (US → India) – ASCII Diagram

Notes

1. Compliance controls (CIP/KYC, OFAC/sanctions, transaction monitoring, velocity/layering checks) run at the sponsor MSB prior to remittance.

2. FX conversion occurs in India per the payout bank’s rate; US MSB remains USD-only.

   *Zelle must be explicitly approved for this use case by the sponsor bank.

3. You are allowed to engage your own payout partner if you already have an agreement with them, or can request the PLH (Principal License Holder) to start the process of a correspondent tie-up agreement with them.

4. Lastly, if you are already licensed in another jurisdiction that is acceptable to the PLH, and you already have various payout agreements in place, you, yourself can act as an aggregator and terminate the transaction into the beneficiary country. Proof of delivery would be required.

3. Pricing & Fees (Updated)

In addition to our referral fee, the following charges are applicable.

3.1 One-time & Recurring