Agent Network

Overview

The Nav.Wallet agent network provides physical cash-in and cash-out points for customers without bank accounts, similar to M-Pesa’s agent model. Agents are the bridge between physical cash and digital wallet balances.

Agent Hierarchy

Nav.Wallet supports a multi-tier agent structure:

Master Agent (Admin-managed)
├── Super Agent A
│   ├── Agent 1
│   ├── Agent 2
│   └── Agent 3
└── Super Agent B
    ├── Agent 4
    └── Agent 5

• Super Agents manage and distribute float to sub-agents
• Agents perform customer-facing cash-in/cash-out operations
• Data isolation ensures agents can only access their own data and their sub-agents’ data

Float Management

Each agent has a Float Account in CILedger representing their available liquidity:

• Super-agents distribute float to sub-agents via CILedger transfers
• Low-float alerts trigger when balance falls below configured thresholds
• Real-time balance visibility through the Agent Portal
• Float reconciliation managed entirely through CILedger’s double-entry system

Commission Structure

Agents earn commissions on each transaction, calculated daily:

Commissions are:

• Calculated per-transaction based on configurable rate tiers
• Credited to the agent’s account at end of each business day
• Viewable through the Agent Portal with full statement history

Agent Portal (/agents)

A dedicated web interface for agents providing:

• Real-time float balance and daily transaction totals
• Cash-in/cash-out transaction processing
• Customer registration (new Tier 1 accounts)
• Commission statement and history
• Sub-agent management (Super Agents only)
• Performance reports and float distribution

Fraud Prevention

• Agent suspension triggered automatically when fraud score exceeds threshold
• Float account freezing on suspension
• Admin-controlled reactivation after investigation
• Velocity checks on agent transaction patterns