How MAP issues electronic money, applies rules of use and reports the operations of a programme.
OverviewFour families of needs. One operational use in solidarity, three frameworks to explore.
ApplicationsWhat a finance director, a compliance officer or a CIO ask for before contracting.
Trust centre
MAP provides an earmarkable digital euro, 100% traced on a tamper-proof blockchain, with a real payment account: IBAN, incoming and outgoing transfers, card, QR code. You earmark its use by supplier, geographic area, period or ceiling; the AI supervises every operation.
See an exampleMAP issues a digital euro, one for one with the euro, on a real account in each beneficiary’s name. You programme where, when and with whom it can be spent. Every payment is traced on a tamper-proof blockchain and controlled by the AI.
Each account has its own IBAN. It receives standard or instant SEPA transfers: the funding arrives as on any account.
The account sends transfers to the suppliers authorised by the programme, and redeems in euros to a bank account where provided for.
A card linked to the account, in store or online, in France or anywhere in the world depending on the programme, with strong authentication.
In-store or account-to-account payment by scanning a QR code, at authorised suppliers.
The account is managed from an app: balance, history, programme rules and receipts.
A list of authorised suppliers or merchants, or whole categories.
A municipality, a department, a region, France or the whole world: the digital euro can only be spent within the chosen territory.
A window of use, with the treatment of balances defined in advance.
Per operation, per day, per month or per period, for each beneficiary, adjustable at any time.
Allowed or not, at the online suppliers you choose.
Allowed, capped or blocked: you control what can leave as cash.
The account and the card are activated, suspended and reactivated instantly, from your dashboard.
Only people enrolled in the programme have an account and a balance.
The payment means and earmarking rules opened to a programme are decided at scoping and written into the contract.
Any organisation that pays out or collects funds for a specific use and must prove where they went. One use is in service today; the others are built with you, from your rules.
You pay funds to identified beneficiaries: allowances, aid, grants, reimbursements against receipts. MAP allocates them to the intended use, releases them on the agreed date and reports every spend back to you, in real time and to the euro.
You collect from contributors who expect proof of use: fundraising pots, allocated donations, philanthropy. MAP allocates the collection to its purpose, distributes it to the designated beneficiaries and accounts to each contributor for the use of their euro, in full transparency.
Whether you give funds or collect them, MAP guarantees where every euro goes: earmarked at issuance, paid from a real account, traced on the blockchain, controlled by the AI, visible in real time.
Each beneficiary is identified at onboarding and the AI verifies their documents before the account is opened. No one else can spend their funds.
Funds arrive on the planned date and remain usable during the set period. The treatment of balances is decided in advance.
Suppliers, categories, geographic area, ceiling: every operation is controlled before execution and recorded on the blockchain.
With Poto / Mon Ami Poto, MAP’s earmarkable digital euro is in service for solidarity: contributors, charities, beneficiaries and suppliers, on a public ledger traced on the blockchain.
Staged image: it does not depict a beneficiary or a real event from the scheme.
Contributions arrive in euros and become digital euro earmarked for the chosen purpose.
The charity chooses the beneficiaries and the authorised suppliers.
Issuance of the digital euro, application of the rules to every payment, tamper-proof log on the blockchain.
This deployment is described with its scope and limits. Activity indicators are only published with their source, period and definition.
Choose a supplier and a ceiling, then submit a payment: the simulation accepts or refuses it, and tells you why.
Change the scenario, submit the transaction and read the rule that explains the outcome.
Breakdown of the envelope: used, reserved, available. No negative balance is possible in the simulation.
The funder has allocated the envelope to food expenditure, at the merchants it has listed, for holders enrolled in the programme, within a daily cap. These four elements make up the framework: they determine the outcome of every transaction.
Only holders enrolled in the programme have a usable balance.
The programme lists the accepted merchant categories.
Maximum cumulative amount of transactions over one day.
No transaction submitted yet. Open the “Rules” tab, choose a scenario, then submit the €24.50 transaction.
| Time | Amount | Recipient | Status | Reason | Action |
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Educational simulation, fictitious data. It neither collects nor moves any funds, connects to no system and does not constitute the list of features offered commercially. Each rule available in a real programme is defined with your organisation and documented in the contract.
MAP’s AI analyses the documents provided at onboarding, checks every payment against the programme rules and regulatory obligations, and detects atypical behaviour: 100% of operations controlled, 100% compliance.
Identity and customer due diligence documents are read and verified by the AI, which rules out inconsistencies before an account is opened.
Every payment is checked against the programme rules and anti-money-laundering obligations before execution; no operation leaves the framework.
Unusual volumes, repetitions, deviations from the profile: the AI detects and blocks atypical behaviour in real time.
Every operation is controlled before execution: none leaves the framework of the programme or the institution’s obligations.
A supplier assessment rests on verifiable answers: who you contract with, where the funds are, what you can control, who accesses what.
A programme takes preparation: describe the expected use, settle the earmarking rules actually needed, check what your information system must exchange, then launch on a controlled scope.
Nature of the funding, actors, expected uses, budgetary constraints and obligations specific to your organisation.
Rules adopted, reporting required, roles and access rights, applicable contractual documents.
Technical exchanges, test data sets, respective responsibilities and prerequisites for going live.
Opening of the programme on a defined scope, tracking of operations, agreed review points.
The duration of a project depends on its scope, its stakeholders and its own obligations. No standard timeframe is announced before the scoping stage.
Three readings to situate the object in question, its limits and what to ask a provider.
Tell us about your scheme, its users and its constraints.
