Knowledge Base

Income

Manage income items by category. Each item is linked to specific months on the timeline and can use one of 4 calculation models.

\text{Income} = \text{Amount} \times \text{New Customers}

Fixed amount per each new card issued in the month. Suitable for one-time issuance fees.

Used in: customIncomes calculation → totalMonthlyIncome.

Affects: Total monthly income → P&L, margins.

\text{Income} = \text{Amount} \times \text{Active Customers}

Fixed amount per each active card per month. Suitable for monthly service fees.

Used in: customIncomes calculation → totalMonthlyIncome.

Affects: Total monthly income → P&L.

\text{Income} = \text{Amount}

Fixed monthly amount regardless of card count. Suitable for subscriptions, licenses.

Used in: customIncomes calculation → totalMonthlyIncome.

Affects: Total monthly income → P&L.

\begin{aligned}\text{Income} &= \text{Base Value} \times \frac{\text{Rate}}{100} \\\\&\text{Calculation bases:} \\&\text{Retail Turnover, P2P Turnover, ATM Turnover,} \\&\text{Total Turnover, Account Balances (annual rate / 12),} \\&\text{Fiat → Crypto, Crypto → Fiat}\end{aligned}

Percentage of a calculation base. For balances, the rate is annual and divided by 12. Suitable for interchange, turnover-based fees.

Used in: customIncomes calculation → totalMonthlyIncome.

Affects: Total monthly income → P&L, margins.

\text{Total Income} = \text{Custom Income} + \text{Tier Revenue}

All revenue for the month: user-defined income items + net crypto spread.

Used in: P&L, margins, Unit Economics, partner calculations.

Affects: netIncome, bankNetIncome, all margins, ARPU.