The progression is deliberate: a use case names the problem, a solution names the capability, and the platform names the machinery. Same identity underneath all of it.
Merchant Payments
The pain: every sales channel means another acquiring relationship, another settlement file, another reconciliation headache.
One onboarding creates a payable merchant identity. In-store QR, online checkout and in-app payments all resolve to it; every channel settles to one place, executed on partner acquiring networks.
Illustrative concept. Three channels, one reconciliation view. No live volumes; MYQR does not hold funds.
- Gross acceptedAll channels, one merchant identityConcept
- Partner acquiring feesCharged by the executing institutionConcept
Executed on partner acquiring networks. MYQR resolves the identity and the destination; a licensed institution moves and settles the funds.
Illustrative concept interface. Not a live product screenshot. Merchant and channel mix are examples; no live volumes or fees are shown; settlement is performed by regulated partners.
Example: a café chain accepts counter QR and web orders through one identity, and closes its books from one ledger.
Journey: Merchant Payments use case →
Merchant Payments now has a dedicated page: the MYQR OS merchant vision →
Driver Wallets
The pain: weekly batch payouts, high support load from failed transfers, and drivers who churn to whichever platform pays fastest.
Platform payout runs address driver handles. Earnings are designed to land in identity-attached wallets immediately — spendable, billable, payout to a connected destination.
Intended ecosystem pathway: mobility flows across JAYRIDE and FAIRYDE, subject to partnership and technical implementation.
Diaspora Payments
The pain: corridor-specific apps, agent codes, re-typed account numbers, and fees hidden in exchange rates.
Both ends of the corridor hold the same kind of identity. The sender addresses a handle; MYQR selects the corridor; a licensed local institution delivers.
Example: a nurse in Vienna pays a tuition bill in Manila directly — presented to the family identity, settled on local networks.
Enterprise Payouts
The pain: payout files full of stale account numbers, failed transfers, and a support queue that scales with headcount.
A payout file of handles never goes stale: recipients keep their own destinations current behind their identity. The platform handles splits, scheduling and retries; regulated networks execute.
Example: an insurer disburses claims to thousands of recipients in one run, across banks and wallets, with one audit trail.
Government Programs
The pain: last-mile failure — wrong accounts, ghost recipients, cash leakage, and no audit trail where one matters most.
Programs pay verified identities. KYC is attached to the handle, delivery is network-agnostic (wallet or bank, the recipient's choice), and every movement is recorded end to end.
Example: a benefits pilot reaches verified recipients directly, with a per-payment audit trail for the program's oversight body.
Embedded Finance
The pain: platforms want to offer wallets, payouts and bill payment without becoming payment companies.
The MYQR stack (identity, wallet, resolution, settlement) is designed to embed inside partner platforms via API, with the regulated execution handled by licensed partners underneath.
Example: a marketplace adds seller wallets and instant payouts as product features, not as a licensing project.
Scope it with us
Bring the outcome; we'll map it to the flow and the partners required to run it.