Distribution Enabler for Financial Inclusion
Complementing banks and EMIs by empowering channel partners.
Learn MoreFlux Pay Innovations Inc. ("FluxPay") acts as a distribution enabler rather than a consumer-facing wallet provider. We bridge the gap between financial institutions and the grassroots economy.
216 Makati Executive Center, L.P. Leviste St., Bel-Air, Makati City
A web-enabled platform empowering Channel Partners.
Consumer-initiated payments through partner touchpoints with real-time confirmation.
Funding wallets through collection points with source-of-funds monitoring.
Partner-executed payouts for loan proceeds, claims, or batch disbursements.
Automated financial reporting, partner performance dashboards, and API extensions.
Paid-in Capital: P10,000,000
| Metric | Year 1 | Year 2 | Year 3 |
|---|---|---|---|
| Active Partners | 10 | 30 | 60 |
| Avg. Trans/Partner | 2,000 | 3,000 | 4,000 |
| Total Trans. | 1.08M | 240K* | 2.88M |
| Total Value | P288M | P1.62B | P5.18B |
*Note: Year 2 transactions reflection based on source data.
Upfront package fee of P50,000 per Channel Partner.
Fees applied to bills payment, cash-in, and disbursements.
Shared portion of fees with Channel Partners based on volume tiers.
We focus on empowering community anchors:
A stored value/ledger-based wallet maintained within the platform securely. Features solid session controls and strong authentication.
End-user requests service at a partner location.
Cashier logs into the portal using Multi-Factor Authentication (MFA).
System checks partner authorization, KYB/KYC status, and prefunding balances.
Ledger updated, and electronic receipt generated.
Extensive vetting of partners (SEC/DTI) and tiered approach for end-users.
Automated rules to detect velocity patterns and unusual behavior.
Investigation within 3 business days, resolution targeted within 7–15 days.