Active Loan Portfolio
₱50,000.00
1 Active Loan (0 Defaults)
Paid-Up Share Capital
₱25,000.00
2 Regular Members Registered
Platform Pass-Through Fees
₱1,000.00
₱107.14 Output VAT Remitted
Portfolio At Risk (PAR)
0.00%
CDA Target: < 5.0%
Philippine Regulatory Compliance Architecture
CDA Standard Chart of Accounts (COA)
Strict double-entry validation using standard codes: Assets (1-xx), Liabilities (2-xx), Equity (3-xx), Revenue (4-xx), Expenses (5-xx).
NPC (Data Privacy Act of 2012)
Consent logs with IP & UserAgent audit records; AES-256-GCM field encryption for SPI (PhilSys National ID, TIN, birthdates).
AMLC Covered Transaction Triggers
Automated threshold flagging for cash transactions $\ge ₱500,000.00$ within a single banking day.
Dual Monetization & Pass-Through Engine
Platform Escrow Mode (Active)2.0% (Min ₱100.00)
Platform handles escrow settlement. Processing fee is deducted upfront from loan disbursement proceeds.
Coop-Owned Merchant Mode0.5% (No Floor)
Cooperative connects their own PayMongo/banking merchant account. Platform takes 0.5% fee.
Tax Rule: All platform processing fees are inclusive of 12% Output VAT and generate an electronic Sales Invoice with BIR compliance metadata.