AIMPay Digital Platform

Your Complete Financial Operating System
🚀 From Manual to Digital in 4 Weeks - Experience the Revolution!
🔄 Process Flows
✨ Features
🛠️ Technology
📱 Live Demo
📅 Implementation
🎯 Benefits

🔄
Revolutionary Process Flows

📱 New Payment Collection & Onboarding Process

👤
Login to AIMPay
Distributor uses existing DTC credentials
10 seconds
📝
Enter Customer
Input prospect's name, phone, email
30 seconds
🔗
Generate Link
Unique payment URL created instantly
1 second
💳
Customer Pays
Transfer to virtual account
1 minute
✅
Auto Confirm
ID & Key generated automatically
3 seconds
graph LR A[Distributor Login] -->|10s| B[Enter Customer Details] B -->|30s| C[Generate Payment Link] C -->|Share| D[Customer Receives Link] D -->|Click| E[Payment Page] E -->|Transfer| F[Virtual Account] F -->|Webhook| G[Auto Verification] G -->|API| H[DTC Integration] H -->|Generate| I[ID & Activation Key] I -->|Notify| J[SMS/Email to All] style A fill:#00A651,stroke:#333,stroke-width:2px,color:#fff style F fill:#FDB814,stroke:#333,stroke-width:2px style I fill:#005EB8,stroke:#333,stroke-width:2px,color:#fff

🎯 Key Innovation: Dynamic Payment Links

Example: pay.aimpay.ng/sarah-123/john-doe-456

Each link is unique and tracks exactly which distributor recruited which customer, eliminating all attribution disputes!

🤝 Inter-Distributor Collection Process

graph TB A[Distributor A in Lagos] -->|Has Prospect| B[No POS Available] B -->|Request Help| C[Distributor B in Abuja] C -->|Generate Link| D[Distributor A's Payment Link] D -->|Share with Prospect| E[Prospect Pays] E -->|Auto Attribution| F[Credits to Distributor A] F -->|Commission| G[Distributor A Earns] H[Collection Wallet A] -->|Auto Sweep| I[AIM Master Account] style A fill:#00A651,stroke:#333,stroke-width:2px,color:#fff style F fill:#FDB814,stroke:#333,stroke-width:2px style I fill:#005EB8,stroke:#333,stroke-width:2px,color:#fff

Any distributor can collect for any other distributor while maintaining perfect attribution!

🎯 Smart Encoding & Activation Process

📋
View Queue
See all paid customers ready for encoding
✔️
Select Batch
Choose who to encode today
📊
Check Earnings
See potential income based on daily caps
⏰
Schedule or Submit
Process now or schedule for optimal earnings
🎉
Auto Activation
DTC processes and creates accounts instantly

💡 Distributor Control Dashboard Features:

  • 📊 Visual calendar showing encoding history
  • 💰 Earnings calculator for different scenarios
  • 📅 Batch scheduling for future dates
  • ⚡ Emergency override for urgent activations
  • 📈 Team growth tracking and projections

💸 Real-Time Payout Process

sequenceDiagram participant D as Distributor participant DTC as DTC System participant A as AIMPay participant P as P-UP MFB participant B as Distributor Bank D->>DTC: Request Payout DTC->>A: Send Payout Request A->>A: Calculate Deductions Note over A: Insurance: ₦1,500
Platform Fee: 1% + VAT A->>P: Process Transfer P->>B: Instant Credit P-->>A: Confirmation A-->>DTC: Update Status A-->>D: Push Notification Note over D: Money Available in 30 seconds!

✨
Platform Features Showcase

👥
Distributed Cashier Network
Every distributor becomes an autonomous cashier with full banking capabilities
Auto-creation DTC sync Multi-purse
🏦
Virtual NUBAN Accounts
Instant virtual account generation for every cashier through P-UP MFB
Instant creation NIP enabled 24/7 active
🔗
Dynamic Payment Links
Customer-specific payment URLs with full attribution tracking
Unique URLs QR codes Share anywhere
💼
Collection Wallets
Restricted wallets that automatically sweep to master account
Auto-sweep Real-time Secure
🔄
DTC Webhook Integration
Seamless bi-directional communication with existing DTC system
Real-time sync Auto ID generation Status updates
⚡
Instant Settlement Engine
30-second settlements with automated deductions and compliance
NIP transfer Auto-deduction 24/7 available
📦
Batch Encoding System
Select, schedule, and process multiple encodings strategically
Bulk selection Scheduling Optimization
📊
Real-time Analytics
Comprehensive dashboards for transactions, team growth, and earnings
Live metrics Team tracking Reports
📱
P-UP Mobile Banking
Full banking app with transfers, bills, airtime, and more
iOS/Android Biometric Cards
📋
Queue Management
BullMQ-powered asynchronous processing for scale
Redis Async Scalable
🔒
Compliance & Security
Full CBN compliance with KYC, AML, and audit trails
CBN licensed Encrypted Audit logs
🔔
Multi-channel Notifications
SMS, Email, Push, and WhatsApp notifications
Real-time Customizable Reliable

🛠️
Powerful Technology Stack

🚀 Enterprise-Grade Infrastructure

⚙️
Node.js
🚂
Express.js
🐘
PostgreSQL
🔄
Sequelize ORM
💾
Redis
📬
AWS SQS
🐳
Docker
☸️
Kubernetes
🐂
BullMQ
💬
Slack API
📧
SendGrid
🔐
JWT Auth

🏗️ Microservices Architecture

Core API Service

Handles merchant accounts, virtual accounts, collections, and payouts

Wallet Service

Manages cashiers, purses, transactions, and settlements

Notification Service

Handles SMS, email, push notifications, and webhooks

Analytics Service

Real-time metrics, reporting, and business intelligence

📱
Experience AIMPay Live

💳 Payment Link Generation Demo

Step 1: Enter Customer Details

📊 Encoding Dashboard Demo

Customers Ready for Encoding

John Doe - Paid ₦79,990
Jane Smith - Paid ₦79,990
Mike Johnson - Paid ₦79,990
Sarah Williams - Paid ₦79,990

Earnings Preview

Selected: 2 customers

Today's capacity: 5/10 used

Potential earnings: ₦40,000

📅
4-Week Lightning Implementation

WEEK 1: Foundation

System Setup & Integration Planning

  • ✅ DTC API documentation exchange
  • ✅ Environment provisioning
  • ✅ Webhook endpoints setup
  • ✅ Database schema creation
  • ✅ Select 100 pilot distributors
WEEK 2: Core Development

Platform Integration & Testing

  • 🔧 Cashier auto-creation system
  • 🔧 Virtual account generation
  • 🔧 Payment link infrastructure
  • 🔧 Collection wallet implementation
  • 🔧 Settlement engine activation
WEEK 3: Pilot & Training

Live Testing with Real Users

  • 🧪 100 pilot distributors onboarded
  • 👥 Training sessions conducted
  • 📚 Documentation delivered
  • 🔄 Live transaction testing
  • 📊 Performance optimization
WEEK 4: Full Launch

Scale to All Distributors

  • 🚀 Bulk migration tools activated
  • 📊 10,000 distributors migrated
  • 🎯 Support team trained
  • 📱 Mobile apps deployed
  • 🎉 Official launch celebration!

🎯
Transformative Benefits

💎 What AIMPay Delivers

⚡
72-Hour to 3-Minute Payment Confirmation

Instant verification means happier prospects and faster growth

🎯
Perfect Attribution Tracking

No more disputes about who recruited whom - it's all automatic

🏦
Full Banking Services for Every Distributor

Instant P-UP MFB accounts with mobile banking, cards, and more

💸
30-Second Payouts, 24/7

No more waiting for business days - money moves instantly

📊
Real-Time Business Intelligence

Make data-driven decisions with live dashboards and analytics

🚀
20-30% Increase in New Distributor Acquisition

Faster onboarding means more people join and stay active

💰
Significant Error Reduction

Automated processes eliminate manual mistakes and save money

🔒
Full Regulatory Compliance

CBN-licensed infrastructure with complete audit trails

💼
Simple, Transparent Pricing

🎁 Zero Setup Costs - We're Investing in Your Success!

NO implementation fees • NO setup charges • NO hidden costs

P-UP Microfinance Bank is providing the entire AIMPay platform infrastructure at ZERO upfront cost to AIM Global Nigeria.

📊 Transaction Fees

  • Collection: 1% per transaction
  • Payout: 1% + VAT
  • Volume discounts available

🏥 Health Insurance

  • Premium: ₦1,500/month
  • Coverage: Comprehensive
  • Auto-deduction from payouts

✅ All Included

  • ✓ Banking services
  • ✓ Mobile apps
  • ✓ Virtual accounts
  • ✓ 24/7 support
  • ✓ Training
  • ✓ Updates

🚀 Ready to Transform AIM Global Nigeria?

Join the digital revolution with AIMPay - where every distributor becomes a financial powerhouse!

4 weeks from today, your 200,000 distributors will have superpowers!

AIMPay - Powered by P-UP Microfinance Bank

Prepared for: AIM Global Nigeria Executive Management
Date: November 2024
Status: Ready for Implementation