Supporting Informal Economy

Digital Loyalty Programs

Seamless Customer Engagement at the Point of Sale. X11 NFC cards can be issued to customers as part of a loyalty program, in addition to use of X11 app. Customers simply tap their NFC card at participating stores to earn or redeem points, eliminating the need for manual entry or complex apps. For example, a informal economy loyalty initiative could allow customers to earn points on daily purchases at independent shops, which can later be redeemed for discounts or products.

Key Benefits
- Instant point accrual and redemption.
- Enhanced customer convenience and participation.
- Greater customer retention and brand loyalty.

Creating Transparency & Audit Trail

Governmental Welfare Distribution

Governments can issue X11 NFC cards to beneficiaries for distributing social welfare payments, vouchers, or subsidies. For example, social grant recipients could use NFC cards to redeem benefits like food vouchers at registered merchants. This ensures transparency, reduces misuse, and simplifies fund distribution.

Key Benefits
- Transparent and traceable disbursements.
- Limited use of funds for approved purposes.
- Convenient access for beneficiaries.

Small Revenue Automization

Micro-Insurance Enrollment and Claims

Simple and Accessible Insurance Solutions. X11 platform can be used to register customers for micro-insurance policies and simplify claims processing. Policyholders can tap their card, or check from X11 app, at partner locations to file claims or check coverage. For example, farmers could use NFC cards to claim payouts for crop insurance during drought conditions.

Key Benefits
- Simplified enrollment and claims processes.
- Faster verification and payouts.
- Increased accessibility for rural and underserved markets.

Automated Tracability and Fraud Protection

Professional Certifications and Licensing

Secure and Verified Credential Management. X11 NFC cards and app can store and authenticate professional certifications, licenses, or qualifications. For example, construction workers or healthcare professionals could use NFC cards / X11 app to prove their certification or licensure on-site. A tap of the card allows instant verification against a secure database, ensuring compliance with industry standards. Scenario: A construction site requires workers to hold valid safety certifications. Each worker’s NFC card is tapped at the gate, where their credentials are authenticated in real time before granting access.

Key Benefits
- Instant verification of professional qualifications.
- Reduced risk of fraudulent credentials.
- Simplified compliance management for employers.

Reporting and Fraud Protection

Vehicle Roadworthiness and Compliance

Automated Verification for Transport Operators. Transport companies can use X11 NFC cards to store and verify vehicle roadworthiness certifications. Drivers carry NFC cards that link to their vehicle’s compliance records, which are checked at entry points to ports or regulatory facilities. Scenario: A truck arrives at a port, and the driver taps their NFC card at the checkpoint. The system instantly verifies that the vehicle’s roadworthiness certificate is valid, granting access.

Key Benefits
- Automated compliance checks to reduce delays.
- Minimized fraud in roadworthiness certification.
- Streamlined inspections and operational flow.

Fraud Protection

Food Safety and Vendor Certification

Ensuring Compliance in Food Supply Chains. X11 NFC cards can be issued to food vendors or suppliers to authenticate certifications like food safety training or regulatory compliance. Wholesalers and retailers can verify a vendor’s certification before entering into contracts or purchasing goods. Scenario: A fruit vendor arrives at a supermarket distribution center and taps their NFC card to verify compliance with food safety standards. The authenticated certificate allows the transaction to proceed.

Key Benefits
- Enhanced trust in food supply chains.
- Simplified vendor management for large retailers.
- Reduced risk of regulatory violations.

Transparency and Tracability

Government-Issued Licenses and Permits

NFC cards can store government-issued licenses and permits, such as fishing licenses, business permits, or trade certifications. Regulatory authorities or enforcement agencies can authenticate these credentials in the field. Scenario: A small business owner taps their NFC card during a government inspection, instantly verifying that their business license and tax compliance certificates are valid.

Key Benefits
- Simplified authentication for regulatory authorities.
- Reduced administrative burden for license holders.
- Improved compliance tracking for governments.

Tracability

Transportation and Access Control

X11 NFC cards can serve as smart tickets for public transport systems or access passes for gated facilities. Users simply tap their card to board buses, trains, or access secure locations, ensuring fast and reliable validation.

Key Benefits
- Reduced waiting times with instant validation.
- Integration with loyalty or subsidy programs for additional benefits.
- Secure access to restricted areas.