Bonum: The Platform That Turns Mutuals and Cooperatives into High-Impact Digital Ecosystems

In hundreds of cities across Argentina and Latin America, mutuals and cooperatives play a role that goes beyond finance. They are social support networks, benefit distribution channels, local economy engines. But they operate with last-century infrastructure: manual spreadsheets, endless reconciliations, zero real-time visibility. Bonum was born to change that.

What is Bonum?

Bonum is a new product from Xcapit Labs designed specifically for mutuals, cooperatives, and similar organizations. Its core is a closed-loop wallet — a system where value flows do not depend on integrations with external payment networks, card processors, or banks. Flows are internal, stable, controllable, secure, and financially efficient.

How it works: three actors, one circuit

Bonum's model revolves around three actors operating in a closed circuit:

• The organization (mutual, cooperative, or company) issues points and allocates them to its members, employees, or beneficiaries according to its defined rules
• Users (members or employees) spend the points through an intuitive app, paying at affiliated merchants via QR or alias
• Affiliated merchants and business units process purchases and settle monthly through invoicing against the organization

Points are internal records consolidated administratively. They are not cryptocurrencies or tokens. They are a representation of value that circulates within the ecosystem and is reconciled through standard accounting processes.

Concrete benefits

1. Tax and administrative optimization

Concepts channeled through Bonum can be structured as tax-deductible items. Each transaction generates automatic traceability, eliminating the burden of manual reconciliation and simplifying audits. The organization has complete visibility of the fund flow in real time.

2. Savings on wage components

When used as a non-wage benefit channel, Bonum allows organizations to deliver tangible value to their members without adding extra wage components. Benefits channeled as points do not generate social charges, workers' compensation insurance, employer contributions, proportional vacation, annual bonus, or severance.

3. Better financial control

The monthly invoicing model allows the organization to negotiate payment terms, plan cash flows, and have complete visibility over the consumption cycle. No surprises: the organization knows exactly how much was consumed, where, and when.

4. Internal economic ecosystem

This is the transformative benefit. Bonum connects supermarkets, pharmacies, stores, services, sports clubs, and any business unit the organization defines within the same circuit. The result is a local economic ecosystem where value circulates internally, strengthening the community economy instead of dispersing it toward external actors.

Ready-to-deploy product

Bonum is not a concept or a prototype. It is a functional product that includes:

• User app with QR and alias payments, transaction history, and balance inquiry
• Administration panel for the organization with point allocation, user management, and rule configuration
• Automated reconciliation module with detailed reports by period, merchant, and user
• Affiliated merchant management with onboarding, offboarding, transaction monitoring, and monthly settlement
• Exportable reports for audit, accounting, and decision-making
• Technical and operational support during implementation and operation

Infrastructure for community development

Mutuals and cooperatives already have the social network. They already have the trust of their communities. What they lack is digital infrastructure that matches their mission. Bonum does not replace what these organizations do well — it amplifies it. It turns human networks into digital ecosystems where every interaction generates data, every transaction generates traceability, and every benefit arrives faster, at lower cost, and with greater impact.