đź”— MEM Cash + Google Pay Integration
Embedded microcredit at the point of sale.
MEM Cash can operate like Google Pay, enabling users to tap their phone or MEM card at NFC terminals. If the balance is insufficient, MEM instantly issues a microloan—scored by AI in under 5 seconds. This transforms MEM into a credit-enabled wallet for essential purchases.
Investor Value:
- Embedded finance model (BNPL for essentials)
- ROI: 12–18 months via transaction fees
- Compatible with 70–80% of POS terminals in Armenia/Romania
- Scalable via virtual and physical card issuance
🧮 Self-Fund Aggregation
Microcredit without external lending—just smart balance orchestration.
Users link multiple cards and wallets (e.g., Visa, TBC Wallet, Idram) and MEM Cash aggregates funds atomically to complete purchases. If aggregation fails or is disabled, MEM offers a fallback microloan.
Investor Value:
- Zero credit risk, fixed fee monetization
- High retention (+20%) via user control
- Scalable across regions with Open Banking APIs
- Revenue: ~$10,800/Q1 2027 in Armenia/Romania alone (0.2 USD fee, 18,000 tx/month)
🤝 ROSCA Integration
Community-based lending, digitized and AI-verified.
MEM Cash enables digital ROSCAs—small savings circles where users contribute and take turns receiving pooled funds. AI ensures fairness, and spending is verified via QR/NFC. Optional fallback to MEM microloans if rotation fails.
Investor Value:
- No-interest lending model with high social trust
- Adds a social layer to MEM Cash without credit exposure
- Popular in unbanked markets (1.7B people globally)
- Revenue via facilitation fees ($0.2–$0.5/round) and premium subscriptions