Economics & Revenue
FORUS operators retain 65% of recurring domestic revenue generated in their territory — across six streams: membership fees, micro finance, eCommerce transactions, mobile voice and data, working capital finance, and adverbuying. With a target GTV of $500B across 60 markets, the economics of owning national payment infrastructure are substantial — and compound over time.
By diversifying across six revenue streams, the network reduces dependence on transaction fees — lowering barriers to merchant and user adoption.
Membership Fee
Once-off membership fee paid by all users joining the FORUS Platform Cooperative. A one-time, done-once contribution that brings every participant into the network.
Micro Finance
Commission on micro-financial products offered by authorised financial institutions through the platform — typically 30% of the institution's margin, paid by the financial institution, not the user.
eCommerce Transactions
Commission on the FORUS Hyperlocal eCommerce platform — typically 3% of transaction value. No separate transaction fees apply, making it competitive with and below legacy card rails.
Mobile Voice & Data
Commission on mobile voice, data, and value-added services sold through the network — typically 3%, paid by the network operator. Extends the platform's utility into everyday connectivity.
Working Capital Finance
Gives merchants the tools to optimise inventory and supply chain visibility. Smart contracts automatically return a percentage of sales as working capital — typically 3%, split 1% to the platform, 1% to investors, and 1% to the administering bank. See glossary: Working Capital Finance.
Adverbuying Revenue
Brands promote via S-QR codes embedded in print, billboards, broadcast, social, and narrow-cast video — using high-fidelity demographic data. Advertisers pay only on a successful purchase; users collect rewards immediately at checkout. See glossary: Adverbuying.
| Metric | Phase 1 | Phase 2 | Full Scale |
|---|---|---|---|
| Countries | 5 | 20 | 60 |
| Network GTV (annual) | $500M | $25B | $500B |
| Total Operator Pool (65%) | $4.9M | $243.8M | $4.9B |
| Per Territory avg. | $975K | $12M | $80M+ |
| Territory Investment | $500K–$2M | $1M–$3M | $2M–$5M+ |
Each new franchise adds more merchants, more transactions, and more revenue — which funds growth that attracts more franchises. The economic flywheel is self-reinforcing: early operators capture the network effect premium as latecomers pay to join an established ecosystem. Explore the 60-country expansion plan to understand how phase sequencing maximises corridor value.
Merchant Network Size
Build toward 10,000+ active merchants per operator
Active Wallets
Build toward 500,000+ registered users per territory
Transaction Volume
$1B+ monthly GTV target for mature territories
Regulatory Compliance
100% licensed operation before commercial launch