Bonum: The Platform That Helps Companies Offer More Benefits Without Increasing Labor Costs

Every company faces the same tension: employees need more benefits, but the budget is not infinite. Every additional dollar in compensation drags along social charges, employer contributions, and indirect costs that can double the financial impact. The question is: how do you improve employee benefits without increasing labor costs?

What is Bonum

Bonum is a digital benefits platform designed for mid-to-large companies. Its core is a closed-loop wallet: the company allocates points to its employees, employees use them at a network of affiliated merchants, and merchants invoice the company monthly. No cards, no payment processors, no financial intermediaries.

The three-actor ecosystem

• The company allocates points according to its defined rules: fixed monthly amount, by seniority, by department, by performance, or any custom criteria
• The employee receives points in the app and uses them at affiliated merchants by paying with QR or alias, with an experience similar to any digital wallet
• Affiliated merchants process purchases and invoice the company monthly, with no need for traditional payment method integration

Benefit 1: Real tax savings

Benefits channeled through Bonum can be structured under favorable tax treatments. The platform enables optimization of income tax, VAT, and turnover tax treatment, transforming what would be a pure labor expense into a deductible item with automatic traceability. Each transaction generates an auditable record that simplifies tax reporting.

Benefit 2: Reduced total labor cost

This is the most significant structural advantage. Benefits channeled as non-wage points do not generate:

• Social charges
• Workers' compensation insurance
• Employer contributions
• Proportional vacation
• Annual bonus (13th salary)
• Severance

This means that every dollar allocated as a Bonum point has a significantly lower real cost than the same dollar allocated as compensation. The company can offer more perceived value to the employee with less budget impact.

Benefit 3: Financial savings and cash flow control

The end-of-month consolidation model changes the financial dynamic. Instead of immediate and scattered disbursements, the company concentrates payment into a single monthly invoice per merchant. This allows negotiating payment terms, planning cash flow with precision, and having complete visibility of the consumption cycle before paying.

Benefit 4: Greater employee satisfaction

Employees value tangible benefits. A Bonum point becomes real purchases at local merchants: supermarkets, pharmacies, restaurants, gas stations, clothing stores, services. The user experience is simple — app, QR, done — and the perceived value is high because it translates into everyday consumption, not abstract benefits that nobody uses.

Ready product: scalable SaaS

Bonum is a functional SaaS product that includes all the infrastructure needed to operate:

• Complete transactional infrastructure: QR payment processing, balance management, operation history
• Affiliated merchant management: onboarding, offboarding, transaction monitoring, automated monthly settlement
• Administration panel: bulk or individual point allocation, rule configuration, user management
• Automated reports: consumption by employee, by merchant, by period, exportable for accounting and audit
• Scalability: architecture designed to grow with the organization, with no artificial limits on users or transactions

Impact on local economies

There is a benefit that transcends the company-employee equation: the impact on local economies. When benefits are channeled toward affiliated local merchants, value circulates within the community. Neighborhood stores receive a predictable flow of customers, employees access nearby products and services, and the company strengthens its relationship with the environment where it operates. It is a model where everyone wins.