Example: Self-Custody Neobank
Business Goals
A neobank wants to use USDv as the dollar balance inside its app.
USDvIt wants to:
- grow customer balances
- improve retention
- reward eligible customers
- keep a share of USDv economics
- run targeted campaigns
- keep balances liquid and spendable
Setup
The neobank integrates USDv into its app.
Customers hold USDv in their app accounts.
The neobank connects its relevant balance sources to PMP:
- customer USDv balances
- treasury wallet
- rewards wallet
The neobank creates two Programs inside PMP:
- a continuous balance rewards Program
- a 90-day deposit campaign
Program 1: Ongoing Balance Rewards
The neobank creates an ongoing Program for customer USDv balances.
The goal is to reward eligible customers for maintaining balances while allowing the neobank to retain a defined share.
Example rules:
- customers must be KYC-approved
- customers must hold at least 100 USDv
- balances are measured over time
- rewards settle every 14 days
- 80% routes to eligible customers
- 20% routes to the neobank
Optional tiers:
- balances above 1,000 USDv receive a higher allocation
- balances above 10,000 USDv receive a higher allocation
- balances above 50,000 USDv receive a higher allocation
Result:
Customers have a reason to hold USDv in the app.
The neobank controls how much value customers receive and how much the business keeps.
Program 2: Deposit Campaign
The neobank creates a 90-day Program to drive new deposits.
The goal is to increase funded accounts and new customer balances.
Example rules:
- campaign runs for 90 days
- eligible customers are new or targeted customers
- customer must deposit at least 250 USDv
- customer receives a one-time bonus
- bonus is funded from the neobank's rewards wallet
- PMP reports funded accounts, reward cost, and retained balances
Result:
The neobank can run a targeted growth campaign without changing its ongoing balance rewards Program.
Outcome
The neobank controls the economics of USDv inside its app.
Customers keep liquid USDv balances.
The neobank gets revenue sharing, configurable rewards, campaign management, reporting, and auditability without launching its own stablecoin or building its own policy infrastructure.