Updated: 5th November 2025

<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 Kenya. 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 Kenya for final payout to the end beneficiary (bank account and/or mobile money wallet where the partner supports it).

FX & Pre-Funding (read first):

• FX rate is not shown here because the FX rate is supplied by the Kenya 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 → Kenya) – 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 Kenya 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. Pricing & Fees (Updated)

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

3.1 One-time & Recurring

3.2 Transaction Costs (US → Kenya)