Bank partnership
Fund the launch. Own the wallet.
We invite one bank to fund TabTrack's TZS 98M launch through its innovative-projects or fintech programme — and become the exclusive wallet and settlement partner.
What the bank funds
The full TZS 98M launch budget through an innovative-projects or fintech investment line.
What the bank gets
Exclusive wallet and settlement partner: every venue settlement account and guest wallet top-up opens or deepens a bank relationship.
Deposits stay in the bank
Guests transfer money into their TabTrack wallet held at the bank, so balances sit as deposits until spent.
What TabTrack earns
Venue subscriptions, ~1% on online and wallet payments, and small wallet and membership fees.
Where the money flows
- Step 1
Guest bank account / mobile money
- Step 2
TabTrack wallet (held at partner bank)
- Step 3
Venue settlement account (partner bank)
- Step 4
Subscriptions & fees collected by the bank
Every step keeps money inside the partner bank for longer — that is the bank's core gain.
How the bank earns
Share of transaction fees
Bank keeps an agreed share (e.g. 30%) of TabTrack's 1% fee on every wallet and online payment.
Subscription collection
All venue subscriptions are debited through the bank, bringing merchant accounts and fee income.
Wallet transfer fees
Small fees on wallet top-ups and withdrawals between bank, mobile money and TabTrack.
Deposits & new customers
Wallet balances sit as bank deposits; every venue and registered guest is a new bank relationship.
Lending opportunities
Verified venue sales history supports overdrafts, equipment loans and working-capital credit.
What the funding covers
- Development — production web app, PWA & adminTZS 50M
- Hosting — full first year, backups & securityTZS 18M
- Branding — identity, collateral, QR table cardsTZS 2M
- Promotion — launch event & pilot venue incentivesTZS 6M
- Marketing — field sales, social & referralsTZS 12M
- Monetization — payment gateway, wallet & bank integrationTZS 10M
When it pays back
Month 13
Operating break-even
34 venues
Needed to break even
Month 25
Launch cost paid back
218
Venues by Month 36
From the monthly cash-flow model. Illustrative assumptions, open for review with the bank.
Download the bank partnership proposal
Three-page PDF with the model, the fee-share idea and next steps.