From cash chaos
to cooperative command.
A federation-grade digital backbone for NFTC — built so the cooperative owns the rails, not the other way around. QR Ph fares, member identity, loans & subsidy, and a federation console on a single platform.
"I just want to tap and go."
Real frustrations from the people who actually pay the fare.
"I never have exact change. The driver gets annoyed, I get embarrassed. A QR or a card would save us both."
"My allowance is on GCash. If I can pay the jeep with my phone like 7-Eleven, I'd ride every day."
"I lose my coins. If my senior ID itself can pay and remember my discount, I'd feel safer riding."
"At end of shift I count cash for an hour. With a tap system, my boundary is settled in one screen."
Cash is bleeding the cooperative — quietly, daily.
Every fare collected in coins is revenue you can't audit, can't insure, and can't grow.
Cash isn't free. It is the most expensive currency the cooperative handles — once you count theft, recounts, deposits, reconciliation, and the trips that never made it to the books.
Five silent leaks. One bleeding cooperative.
Stacked across an average coop with 200 units — annual leakage in PHP millions.
Annual leakage per coop · 200 units
PHPThat's PHP 3.4M to PHP 4.0M per coop per year — money the membership earned but never received. Multiply across the federation and you are funding a competitor's R&D budget by accident.
Every coop is rebuilding the same wheel.
Disconnected systems, manual ledgers, and zero federation-level visibility. Each missed quarter cedes ground to outsiders.
The clock isn't neutral. While the board deliberates, three private fintechs are pitching the SAME drivers a deal that locks them out of the cooperative for a decade.
12 different ledger systems across NFTC member coops
No cross-coop ride history — members lose loyalty when they switch routes
Subsidy disbursements take 8–12 weeks to reconcile
Fintech players (GCash, Maya) are quietly onboarding YOUR drivers as their merchants
Every month of inaction, the cooperative cedes more ground to outsiders
Federation-wide impact at current run-rate.
180,000+ daily riders. One outdated payment rail. Every coin counted by hand is a board decision deferred.
This is not a tech problem. It is a sovereignty problem.
Whoever owns the payment rail owns the cooperative's future.
One card. One rail. One federation.
Tap-to-pay, member identity, loans, subsidies — on a single backbone the coop controls.
Unified Fare Collection
QR Ph + tap card + cash fallback. Zero passenger learning curve.
Member Identity Layer
One ID across every coop, every route, every benefit.
Embedded Finance
Loans, top-ups, subsidies, micro-insurance — all on the rail.
Federation Console
Real-time visibility for NFTC leadership across every coop.
Your member ID is now your wallet.
QR Ph compliant. EMV-ready. Issued by the coop, owned by the member. Same plastic, six functions, zero dependence on a private fintech.
The card carries the cooperative's brand into every member's wallet.
From cash counter to micro-entrepreneur.
Less hassle at end of shift. More earnings on the table.
End-of-shift cash count, automated
No more "walang barya" fare losses
Repair, fuel, emergency — coop-funded
Bundled PA + vehicle, PHP 30 / wk
"Dati, pag-uwi ko galing biyahe, isang oras pa akong nagbi-bilang ng barya. Ngayon, isang tap lang — kita ko agad sa phone ko kung magkano kinita ko, kung magkano binigay ko sa boundary, kung may natira pa."
— Kuya Jun, driver-member, 14 years on the road
Drivers don't switch platforms because of marketing. They switch because their families eat better. This is how you earn loyalty.
From 8 weeks to 8 minutes.
Direct-to-card disbursement. Audit-grade trail. No more lost envelopes.
- Every subsidy peso is traced to a member card — no leakage
- NFTC becomes the disbursement partner of choice for DOTr
- Coop earns a per-disbursement fee on government money flow
Three tiers. Clear boundaries.
The federation owns the rail. The cooperative member always owns the data, the relationship, and the brand on the card.
AlliedTech
- · Builds and maintains the platform
- · Provides hosting, security, support
- · Engineers integrations & APIs
- · No direct customer relationship
NFTC Federation
- · Sets fees, policies, standards
- · Earns revenue share on volume
- · Federation-wide visibility
- · Regulator-facing front
Cooperative & Member
- · Brand on the card
- · Direct member relationship
- · Local fee schedule control
- · Member-level data ownership
AlliedTech builds and operates. NFTC governs and earns. The cooperative member always owns the data, the relationship, and the brand on the card.
Three paths. Only one keeps the coop in command.
A side-by-side the board can decide on in five minutes.
Two of these doors are closing. Only one is opening — and only for a few quarters.
First fare in 90 days. Federation-ready in 12 months.
Concrete milestones, named owners, board-grade reporting.
Discovery & setup
Member registry cleanup · route mapping · card design · training plan
Build & onboard
2,000 cards issued · 2 POS kiosks live · driver training complete
Live pilot
Real fares · daily reconciliation · executive dashboard · pilot review
Federation rollout
25 coops onboarded · loan & subsidy modules · NFTC console live
12 ways the coop makes money — every day.
This is not a tech upgrade. It's a new revenue engine the cooperative owns.
Loan interest
Member-funded vehicle, fuel, emergency loans at coop rates.
Top-up service fee
1.5% fee on every cash, GCash, or bank top-up.
Cash-out fee
Flat PHP 15 per ATM / partner withdrawal.
Interchange share
Share of MDR when members pay merchants.
Float & treasury yield
Idle balances earn t-bill / TD yield.
Insurance commission
PA, life, vehicle, health micro-insurance.
Merchant acquiring
Onboard sari-sari, fuel, eateries on routes.
Data & ad placement
Ridership insights to LGUs, DOTr, advertisers.
Subsidy disbursement fee
Government subsidies routed via the card.
Remittance corridors
OFW-to-driver-family remittance landing.
Bills payment & load
Meralco, water, tuition, e-load.
Premium membership
Priority loans, lounge access, higher limits.
12 revenue lines · 1 member card · zero cash leakage. The coop becomes a financial institution, not just a transport group.
Payback in under 14 months. 3-year ROI: 312%.
Conservative model · Federation tier · 25 cooperatives · 50,000 cards.
The math the President should remember
-
50,000 active cards × PHP 85 avg fee revenue = PHP 4.25M / month recurring
-
PHP 51M Year 1 net float earning treasury yield
-
PHP 2.6M saved annually from cash-handling losses
Every quarter of delay = PHP 3.5M of revenue the cooperative will never recover. The window is now.
Transparent pricing. Cooperative-friendly terms.
Indicative figures in PHP. Final scope confirmed after discovery workshop.
Pilot
estimated total Year 1
- ✓ QR + member card (5K cards)
- ✓ 2 POS kiosks per coop
- ✓ Driver & officer training
- ✓ Dashboard + reporting
- ✓ Dedicated success manager
Federation
estimated total Year 1
- ✓ Up to 50 cooperatives
- ✓ 50,000 cards + reissuance
- ✓ Loan & subsidy modules
- ✓ Federation console for NFTC
- ✓ Quarterly compliance review
National
estimated total Year 1
- ✓ Unlimited cooperatives
- ✓ White-label NFTC branding
- ✓ API + open data export
- ✓ Hardware lease program
- ✓ Revenue share with NFTC
Payment: 30% on signing · 40% on pilot go-live · 30% on federation handover · Hardware via 24-month lease
Mr. President — give us the room.
60 minutes with NFTC leadership. Three pilot cooperatives. One quarter to prove it.
This is a partnership, not a sale.
The cooperative keeps the wheel — AlliedTech is the engine room. 90-day pilot. Federation-grade outcome.
Confidential · NFTC Unified Digital Transport Platform · Prepared by AlliedTech Solutions Corp