The temptation with a good B2B SaaS is to charge for the software. We didn't. Tshomi OS is available at cost to any programme that wants it — a per-seat fee that covers infrastructure and support.
The reason is simple: programmes pay their participants. Every rand that flows from funder to participant is a rail. If we own the rail, we own an annuity — one that compounds as programmes scale, without a linear cost.
Cashout is the rail. Every cycle, every participant, every rand routed through Cashout books a per-transaction fee. At 1,000 seats, that's not much. At 100,000 seats, it's a payments company.
The reason it works: we already have the audit trail. Programmes need Cashout not because it's cheaper (it isn't, per transaction) but because it's the only rail that produces funder-safe receipts.