Xcapit Labs / Bonum
The Closed-Loop Digital Wallet for Corporate Benefits
Distribute non-remunerative benefits digitally, empower employees with QR payments at local businesses, and create a virtuous economic cycle. Full traceability, real-time analytics, and 35% more effective value for employees.
Capabilities
What Bonum Does
QR Payments at Local Businesses
Employees pay instantly at affiliated local shops using QR codes. No cash handling, no special hardware — just scan and pay from the Bonum wallet.
Multi-Tenant SaaS Platform
Each municipality or company gets its own branded instance. Independent configuration, user management, and analytics — all on shared infrastructure.
Local Economy Multiplier
Benefits circulate within the local economy. Every peso spent at local businesses stays in the community, creating a multiplier effect on economic activity.
Tax Optimization for Companies
Non-remunerative benefits reduce payroll tax burden. Companies deliver more value per peso while employees receive the full benefit amount.
Real-Time Analytics Dashboard
Track spending patterns, business participation, economic flow, and program health. Actionable insights for administrators and municipal authorities.
White-Label Configuration
Custom branding, business categories, benefit rules, and user flows. Each deployment reflects the identity and needs of its community.
Impact
Proven Results
Corporate Benefits Programs
5 implementations across municipalities and cooperatives. Companies distribute benefits with 80% less administrative time and 35% more effective value.
Mutual & Cooperative Economies
Cooperatives and mutuals use Bonum to create closed-loop economies where member benefits circulate within the community network.
Local Commerce Activation
Hundreds of local businesses onboarded across implementations. Average ticket size increases as digital payments remove friction from transactions.
Employee Engagement
35% more effective value compared to traditional benefit delivery. Employees actively use the wallet because it delivers real purchasing power at nearby businesses.
Our Journey
From Corporate Benefits to Community Ecosystems
Bonum started as a solution for corporate benefits and evolved into a platform that transforms how communities exchange value.
First Implementation
Launched the first closed-loop digital wallet for a cooperative in Córdoba. Proved that digital benefits could drive local commerce while reducing administrative overhead.
Multi-Tenant Architecture
Rebuilt as a SaaS platform supporting multiple independent deployments. Each municipality gets its own branded instance with custom rules and analytics.
Scale & Analytics
5 implementations serving diverse communities. Added real-time analytics, spending pattern analysis, and economic impact measurement.
Ecosystem Platform
Evolving from a payment wallet to a full community ecosystem platform. AI-powered insights, loyalty programs, and cross-community interoperability.
Built for Scale and Reliability
Bonum's architecture is designed for high availability, multi-tenant isolation, and real-time transaction processing.
Cross-platform mobile app for iOS and Android. Single codebase with native performance for QR scanning, payments, and wallet management.
Multi-tenant API with tenant isolation, real-time webhooks, and comprehensive analytics. PostgreSQL for transactional integrity.
Containerized deployment with auto-scaling, tenant-level monitoring, and 99.9% uptime SLA for production environments.
Roadmap
Vision 2026
Bonum is evolving from a digital benefits wallet into a comprehensive community economic platform.
Use Cases
Who Uses Bonum
Corporate Benefits
Companies distribute non-remunerative benefits digitally. Employees get more value, local businesses get more customers, and companies save on administration.
Mutuals & Cooperatives
Member organizations create closed-loop economies where benefits and services circulate within the cooperative network, strengthening community bonds.
Local Economies
Municipalities deploy Bonum to stimulate local commerce. Digital vouchers and incentive programs drive foot traffic to neighborhood businesses.
FAQ
Frequently Asked Questions
How does Bonum create a closed-loop economy?
Benefits distributed through Bonum can only be spent at affiliated local businesses. This ensures that every peso stays in the local economy, creating a multiplier effect. Businesses can then withdraw funds normally, but the initial spending drives local commerce.
What does 'non-remunerative benefits' mean?
Non-remunerative benefits are additional benefits that companies provide to employees that are not considered part of salary for tax purposes. This means lower payroll taxes for companies and more effective value for employees — a win-win structure.
How long does it take to deploy Bonum?
A standard deployment takes 4-6 weeks including business onboarding, branding customization, and user registration. The SaaS platform handles infrastructure, so deployment focuses on configuration and community activation.
Can Bonum integrate with existing payroll systems?
Yes. Bonum provides APIs for integration with major payroll and HR platforms. Benefit distribution can be automated as part of the regular payroll cycle, eliminating manual processes.
Ready to transform your corporate benefits?
Whether you're a company, cooperative, or municipality — Bonum creates a virtuous economic cycle that benefits everyone.