SUPPORTED BY LEADING FINANCIAL INSTITUTIONS

The En3 Digital Ecosystem

A unified infrastructure where En3 Money powers Events, Schools, and Payroll in a closed-loop economy.

View Banking Proposal Explore Flow

The Centralized Architecture

Visualizing the En3 Money Centric Model. All financial flows route through our core infrastructure before hitting the banking layer.

En3 Money
CORE HUB
En3 Schools
Fees & ERP
En3 Events
Ticketing
Payroll
Staff Salary
Banking Partner
The Foundation

Detailed Product Breakdown

The Central Nervous System

En3 Money

Not just a wallet, but a full-stack financial operating system. It acts as the unified payment gateway for internal products and a consumer fintech app for external needs.

  • Unified Identity: Single ID for Parent, Visitor, and Merchant.
  • Smart Ledger (Khata): Auto-bookkeeping for vendors.
  • Universal Rail: Pays fees, tickets, and external bills (BBPS).

Banking Ask

PPI License Support & Direct Switch Integration for high success rates.

High Security Access

En3 Events

Military-grade access control for Government Expos and Summits. Handles multi-tier ticketing, hardware integration (Turnstiles), and vendor onboarding.

  • Govt Compliance: Audit-ready financial logs.
  • Cashless Venues: Onboards stall owners to En3 Money instantly.

Banking Ask

Smart Escrow: Funds locked until event conclusion to ensure trust for government clients.

EdTech ERP

En3 Schools

End-to-end OS for K-12 institutions. Handles Admissions, Academics, Transport, and Fee Management.

  • Fee Management: Handles installments and scholarships.
  • Communication App: Dedicated parent portal.

Banking Ask

Virtual Accounts (VA): Unique VA per student for 100% automated fee reconciliation.

Operational Backbone

Payroll System

Fail-proof HRMS ensuring staff (Teachers, Event Gig-workers) get paid on time. Includes Geo-fenced attendance and compliance engines.

  • Compliance Engine: Auto-calculates PF, ESIC, TDS.
  • Gig-Force Module: Daily payouts for event temp staff.

Banking Ask

Bulk Payout APIs: One-click disbursement to thousands of accounts instantly.

Fail-Proof Security Architecture

Distributed Ledger

Immutable transaction logs preventing double-spending.

Bank-Grade Encryption

TLS 1.3 for transit, AES-256 for data at rest.

Dynamic Load Balancing

Auto-scales resources between Schools and Events based on load.

AI Fraud Detection

Velocity checks to block suspicious high-frequency payments.

Strategic Banking Requirements

We require a partnership that goes beyond simple payment processing.

Requirement Usage Context Criticality
Nodal / Escrow Accounts En3 Events Ticket Sales Regulatory compliance & Trust for Govt clients.
Virtual Accounts (VA) En3 Schools Fee Collection 100% automated reconciliation.
Bulk Payout APIs Payroll & En3 Money Instant salary & vendor settlement. Liquidity is key.
B2B2C Payment Gateway En3 Money (Inbound) Lowest possible MDR for high-volume transactions.