Business Process

2.1 Relationship Between Roles

PAYDAO Platform
    │
    ├─→ Installer ───→ Install Payment Terminal ───→ Merchant 
    │     ↓
    │  Onboard Merchant
    │     ↓                       
    ├─→ Merchant ────→ Accept Payment 
    │     ↓
    │  Acquire User
    │     ↓
    └─→ User ───────→ Card Payment ───────→ Installer & User
                                                  ↓
                                            Earn Incentives

2.2 Installer Workflow

1. Obtain payment terminals, authorization cards, and payment cards from PAYDAO-designated suppliers.
2. Responsible for merchant acquisition.
3. Assist merchants with the physical installation of payment terminals. Complete the initialization process and configure the Installer Reward Address.
4. Conduct merchant training sessions to ensure they learn how to operate the system and provide troubleshooting support.
5. Once the merchant successfully collects payments and initiates a withdrawal, the Installer Reward Address automatically receives token incentives, which can be withdrawn at any time.

2.3 Merchant Workflow

1. Bind the designated merchant withdrawal address to the system.
2. Learn how to operate the payment terminal and collection methods.
3. Understand the user-side workflow, distribute payment cards to customers, and assist them with activation.
4. Conduct daily payment collections with the flexibility to withdraw funds at any time.

2.4 User Workflow

1. Obtain a PAYDAO Card and complete the activation process at a participating merchant location.
2. Link the PAYDAO Card to the mobile app to monitor the stablecoin balance and token incentive balance.
3. Deposit stablecoins into the account and complete purchases via Tap-to-Pay.
4. After completing a transaction, the PAYDAO Card automatically earns token incentives, which are available for withdrawal at any time.