pawaPay Treasury Commercial — Confidential LemFi Cross-Market Deal Model

LemFi deal calculator — Kenya loss offset by Ghana volume

Kenya priced below cost to lock volume · Ghana commitment unlocks the deal · Net position is what matters

Kenya corridor KE · Choice Bank
Monthly volume (USD) $50M
LemFi Kenya: confirmed $50M/month
ATV (USD) $140
Average transaction value
Cost / txn (USD) $0.46
Choice Bank cost base: $0.46
Offer price / txn (USD) $0.40
Proposed: $0.40 — below cost
Loss / txn
-$0.06
Txn count / month
357,143
Monthly loss (Kenya)
-$21,429
Annual loss run-rate
-$257k
Ghana corridor GH · GhIPSS + MNO
GhIPSS downtime (%) 10%
Blended cost = downtime × $0.41
ATV (USD) $140
Average transaction value
Offer price / txn (USD) $0.25
Proposed commitment price: $0.25
Monthly volume commitment (USD) $10M
Min Ghana volume to unlock Kenya deal
Blended cost / txn
$0.04
Margin / txn
$0.21
Monthly margin (Ghana)
—
Txn count / month
—
Net position — consolidated LemFi deal Net positive
Kenya monthly P&L
—
at current pricing
Ghana monthly P&L
—
at commitment volume
Net monthly P&L
—
combined both markets
Ghana vol to break even
—
min USD vol needed
Kenya offer $0.40 / txn
Kenya volume (locked) $50M / month
Ghana required price $0.25 / txn
Ghana min commitment —
Ghana txns needed —

Ghana volume sensitivity — what commitment unlocks Kenya

Ghana monthly vol Ghana txns Ghana P&L Kenya P&L Net P&L Offset % Status
pawaPay Treasury  ·  LemFi cross-market deal model  ·  Commercial — Confidential  ·  Kenya loss offset structure