Bonum: Digital Corporate Benefits Platform

Medium and large organizations allocate significant resources to employee benefits: bonuses, incentives, travel allowances, meal or transportation stipends. However, managing these benefits is often manual, costly, and lacks visibility into their actual use. Is it possible to transform this operation into a strategic tool that simultaneously benefits the company, the employee, and the community where it operates?

What is Bonum

Bonum is a closed-loop digital wallet SaaS platform designed and developed by Xcapit Labs. It enables companies to load corporate benefits—bonuses, incentives, meal stipends, travel allowances—directly into each employee's digital wallet. These funds can only be used at a network of affiliated businesses, ensuring the benefit is channeled toward its original purpose and generating complete traceability for the company.

How it Works

Bonum's model connects three actors in a mutually beneficial ecosystem:

Company (SaaS Management)

The company accesses an admin panel where it configures benefit types, assigns amounts to individual employees or groups, and obtains real-time reports on each benefit's usage. The entire process that previously required manual coordination with vendors, printing vouchers, or managing prepaid cards is reduced to a few clicks, saving up to 80% of administrative time.

Employee (Mobile App)

Each employee receives a mobile app where they view their available benefits, make payments via QR at affiliated businesses, and check their consumption history. Non-remunerative benefits channeled through Bonum under Article 103 BIS of Argentina's Employment Contract Law represent up to 35% more effective value for the employee compared to an equivalent salary increase, as they are not subject to social security taxes.

Local Business (Affiliated Network)

Local businesses in the area join the Bonum network and receive digital payments from employees. This guarantees them a steady flow of customers with assured purchasing power, energizing the local economy. The multiplier effect is notable: every peso the company injects into benefits circulates multiple times within the community before leaving the circuit.

Strategic Value

Administrative Efficiency and Traceability

Bonum eliminates manual benefits management. The company obtains real-time dashboards with usage data by category, by employee, and by business. This enables informed decisions about benefits policy and demonstrates the return on investment in employee well-being.

Employee Financial Well-being

By channeling non-remunerative benefits under Article 103 BIS of Argentina's Employment Contract Law, the employee receives up to 35% more effective value compared to an equivalent salary increase. This optimizes labor costs for the company and maximizes the benefit perceived by the employee, improving satisfaction and talent retention.

ESG Impact and Local Economy

Bonum creates a virtuous economic cycle: corporate funds are channeled toward local businesses, strengthening the economy of the community where the company operates. Local economy studies indicate that every peso spent at neighborhood businesses has a multiplier effect of up to x3 compared to spending at large chains. This makes Bonum a concrete measurable ESG impact tool.

Real Impact: Agribusiness Case in Córdoba

The most emblematic Bonum case is its implementation at Argentina's leading pork producer, located in a town of approximately 10,000 inhabitants in the interior of Córdoba province. With over 200 employees using Bonum as their primary benefits payment mechanism, the platform became the predominant payment method in most of the town's businesses.

The impact transcends administrative efficiency: Bonum created an economic circuit where corporate benefits directly fuel the local economy. Employees spend their benefits at town businesses—supermarkets, pharmacies, restaurants, gas stations—which in turn reinvest those revenues locally. In a town of 10,000 inhabitants, the benefit flow from 200+ employees of the town's main employer generates a tangible and measurable economic impact.

Technology

Bonum was designed as a multi-tenant SaaS platform with cloud-native architecture. The mobile app for employees was developed in React Native for cross-platform coverage (iOS and Android). The backend, built on Node.js and TypeScript with PostgreSQL, manages business logic, payment circuits, and report generation. The infrastructure features bank-level security, including end-to-end encryption, multi-factor authentication, and full transaction auditing.

Xcapit Labs' DNA—experience in fintech, blockchain, and security—is reflected in every layer of the solution: from the digital wallet design to the security architecture, through the ability to scale to multiple companies and towns without compromising user experience.

Key Takeaways

• Bonum transforms corporate benefits from an administrative expense into a strategic tool with measurable impact
• The closed-loop model ensures every peso is allocated to the purpose defined by the company
• Non-remunerative benefits (Art. 103 BIS Employment Contract Law) represent up to 35% more value for the employee
• The local multiplier effect (x3) makes Bonum a concrete ESG tool
• Implementation in a town of 10,000 inhabitants demonstrated how a digital platform can energize an entire local economy