National Capital Region
Calabarzon
Cordillera Region
Ilocos Region
Cagayan Valley
Central Luzon
Mimaropa
Bicol Region
Western Visayas
Central Visayas
Eastern VisayasSecure Payment Framework
Financial & Payment Middleware
Built on a Fiduciary Framework, Bultuhan 2.0 is designed to bridge the MSME liquidity gap through a proposed Trust Account structure and automated tax compliance logic.
Fiduciary Architecture
Funds are managed through rules-based logic. Our planned "Trust Ledger" will control fund movement based on physical verification.
Segregated Trust Vault
Funds are intended to be held in legally segregated Trust Accounts. We are coordinating with banking partners to finalize this protective structure.
50/50 Liquidity Protocol
To address working capital constraints, our roadmap includes a split-release model: Tranche 1 (50%) released upon Hub QC verification, and the remainder upon Proof of Delivery.
Tax Engine (RR 16-2023)
Platform logic is being developed to automate the 1% withholding tax and generate BIR Form 2307 for each transaction.
Planned Safeguards
Our "Defense in Depth" strategy outlines algorithmic tripwires to freeze funds before leakage occurs.
Dispute Hold Protocol
Alerts from sensors or buyer flags can trigger a temporary hold on payouts.
Remittance Wall (COD)
Cash-on-delivery funds remain locked until verified by logistics partners.
Audit & Reporting Goals
Designed to meet COA and BIR standards through immutable record-keeping.
- Tamper-Proof Audit Trail: Tamper-proof audit trail ensures transaction history is secure and verifiable.
- Virtual Reconciliation: Planned automated account matching.
- Alphalist Generation: Year-end payee reporting tools.
Financial Roadmap
Learn more about our proposed liquidity models and compliance standards.
