Upcoming MEM Cash PWA Features

🧮 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

🤝 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