Transforming Global Remittances into Stable CASA Deposits
Every day, millions of overseas Filipinos send money home to support their families. EZ Padala transforms these global remittances into a valuable source of stable, low-cost CASA deposits by connecting overseas users directly to your bank through a secure enterprise blockchain platform.
As illustrated above, overseas users maintain funds in their Ez Padala wallets, with all wallet balances securely held by the partner bank. Assuming 500,000 active users with an average wallet balance of US$500, the partner bank could maintain approximately ₱15 billion in average daily CASA balances. Unlike traditional remittance services where funds are immediately withdrawn, wallet balances remain within the banking ecosystem, strengthening liquidity while creating a consistent source of low-cost deposits.
The wallets shown on the right represent two account types. The white wallet is a standard user wallet for everyday remittance and payments. The blue VIP wallet unlocks a Peer-to-Peer Remittance Business Account, allowing qualified users to participate in servicing remittance transactions using their available peso balance.
Once a user reaches a ₱1 million wallet balance, the account is automatically upgraded to a VIP Business Wallet. The ₱1 million serves only as the qualification threshold. It is not a required maintaining balance. Users remain free to spend or withdraw their funds while using their available balance to facilitate remittance transactions. Through the integrated Business Dashboard, VIP users can monitor transaction volume, commissions, and business performance in real time.
For every remittance transaction they facilitate, VIP wallet holders receive 50% of the transaction fee, creating an opportunity to build a profitable home-based remittance business. Based on existing operations, some high-performing agents have generated monthly commissions ranging from ₱160,000 to ₱300,000, depending on transaction volume.
Built on a closed, permission-based enterprise blockchain, EZ Padala delivers immutable transaction records, enhanced security, and transparent auditing. Combined with a scalable Kubernetes node architecture capable of supporting high transaction volumes, the platform provides banks with a secure and modern infrastructure for cross-border banking and remittance.
Beyond technology, EZ Padala creates a powerful network effect. Every new overseas sender, beneficiary, and VIP remittance partner expands the ecosystem, driving organic growth while opening the gateway to the US$36 billion annual Philippine remittance market. For partner banks, this means growing CASA deposits, expanding customer acquisition, and participating in the next generation of digital banking.
