Cashfunds & Credits
How Payouts and Money Moves
Cashin operates a comprehensive treasury system that enables seamless between Insiders, Customers and Partners, regardless of their jurisdiction.
How Money Flows: The Big Picture
Cashin’s treasury acts like a smart digital bank: It holds funds moves money safely and covers fees so users and businesses can focus on growth. At it’s current stage, all money holding, moving and transactions are conducted on Stripe, ensuring FDIC compliancy.
The platform manages two primary monetary systems: Cashfunds (redeemable cash to their bank accounts), and Credits (store credits redeemable in store), providing multiple pathways of earning, storing and spending value across the merchant ecosystem. Every customer has their own wallet, plus store gift cards they can spend and share, bring customers and loyalty to you, the Partner.
Cash Funds: Redeemable Money
What are Cashfunds?
Cashfunds represent actual cash value stored in an Insiders Cashin Account. Unlike Credits, Cashfunds are really money that can be:
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Withdrawn to an Insider’s bank account
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Used to pay Partners like yourself through our internal payment system
Cashfunds are great when working with Creators or UCG partners, as it allows u to set initial payouts, and commissions based on performance giving you full control on you spending based on hard-data.
How is it Stored
Depending on the jurisdiction and availability of Stripe to your Insiders and Customers, Cashfunds can be stored in two ways:
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Custodian Wallets: For Insiders with Stripe payout accessibility (direct control)
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Internal Treasury: For everyone else ( we handle banking and transactions)
Example: Earn $10 from a friend's purchase withdraw it or get a $10 discount anywhere.
Credits: In-store Redeemable Money
What are Credits
Credits act as in-store cash that is only redeemable in purchases as discounts. They are partner locked mapped 1-1 to the currency of your choice, only withdrawn in your store.
Credits are great for rewarding customers on a successful sale. This can be positioned a credits they can use for future discounts, or use on their next purchase. this works great if the sales-cycles are frequent.
Earning and Use Cases
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Marketing: Loyalty programs where points unlock exclusive deals.
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Finance: No cash fees since it's store credit; monitor via balance APIs.
For in-person sales or interactions, customers can share their QR codes to redeem their credits, or pay through cashfunds.
Comparing Cashfunds and Credits
|
Aspect |
Cashfunds |
Credits |
|---|---|---|
|
Value |
Real Payable Currency |
Redeemable Currency |
|
Withdrawal |
Yes, if enabled to their bank |
Redeemable in-store only |
|
Where Usable |
Anywhere |
In your-store only |
|
Expires |
No |
Optional, per you needs |
|
Best For |
Payouts |
Building Loyalty |
Cashin’s payout system, keeps everything secure, compliant and easy.
Cashin Treasury: Necessity for non Stripe Insiders
As part of our philosophy of transparency, it is critical we disclose an edge-case some of your Insiders may face and how we solve it.
The Challenge
Stripe provides compliance and a peace of mind when it comes to money transactions. However, some users will be unable to create custodian stripe wallets, due to jurisdiction issues (customers in MENA, or other similar jurisdiction). Our treasury system solves this by acting as an intermediary to ensure your Insiders will be able to use the Cashfunds you send.
Treasury Architecture
How it all works together
Meet Sarah, a 16-year-old content creator in Dubai:
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Partner Sends Payment: A fashion brand partners with Sarah and sends her $500 in CashFunds for promoting their products
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Treasury Deposit: Since Sarah is underage and in MENA, she can't have a Stripe account. The $500 goes into Cashin's Internal Treasury under her name
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Sarah Goes Shopping: Sarah wants to buy $200 worth of art supplies from a different vendor on the platform
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Seamless Transaction: When Sarah pays, Cashin Treasury automatically processes the $200 payment to the art supply vendor. Sarah never deals with banking complexity
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Vendor Gets Paid: The art supply vendor receives their $200 payment normally through their Stripe account
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Sarah's Remaining Balance: Sarah still has $300 in CashFunds she can use elsewhere or eventually withdraw (when she's eligible)