Total Debenture Capital
R150,500,000
↑ +2.3% this month
Active Ledgers
142
All performing
Pending Withdrawals
R2,400,000
3 requests in queue
Monthly Interest Paid
R1,830,580
Daily simple interest
Deposit Ingestion
Upload bank statements to map debenture deposits
Drag & Drop CSV or XLSX deposit file
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Ingestion Results
| Reference | Account Name | Amount | Status |
|---|---|---|---|
| FIO-DEP-8841 | B. Komane | R200,000 | PENDING_CLEARANCE |
| FIO-DEP-8842 | S. Dlamini | R150,000 | PENDING_CLEARANCE |
| FIO-DEP-8843 | Unknown | R75,000 | ORPHANED |
| FIO-DEP-8844 | R. Nkosi | R300,000 | PENDING_CLEARANCE |
| FIO-DEP-8845 | Unknown | R50,000 | ORPHANED |
Daily Yield Engine
Execute daily simple interest across all active ledgers
Execute daily simple interest calculation across all 142 active ledgers. This applies the agreed rate to each Debenture Receiver's balance based on their individual Interest Tier Percentage.
Interest is calculated using daily simple interest methodology. Last execution: Today at 00:01 SAST.
Deposits
Manage incoming debenture deposits and account mappings
Total Ingested Today
R775,000
5 deposits processed
Pending Clearance
R650,000
3 deposits
Orphaned
R125,000
2 require manual link
Deposit Register
| Reference | Debenture Receiver | Amount | Ingested | Status | Actions |
|---|---|---|---|---|---|
| FIO-DEP-8841 | B. Komane | R200,000 | Today, 08:42 | PENDING_CLEARANCE | |
| FIO-DEP-8842 | S. Dlamini | R150,000 | Today, 09:15 | PENDING_CLEARANCE | |
| FIO-DEP-8843 | Unknown | R75,000 | Today, 09:15 | ORPHANED | |
| FIO-DEP-8844 | R. Nkosi | R300,000 | Today, 09:16 | PENDING_CLEARANCE | |
| FIO-DEP-8845 | Unknown | R50,000 | Today, 09:16 | ORPHANED | |
| FIO-DEP-8840 | M. van Wyk | R500,000 | Yesterday | CLEARED |
Ledger Management
View and manage all Debenture Receiver ledgers
Active Ledgers
142
All performing
Total Capital Under Management
R150,500,000
Across all ledgers
Daily Interest Total
R33,013.70
Today's accrual
Active Ledger Registry
| Ledger ID | Debenture Receiver | Principal | Rate | Daily Yield | Accrued MTD | Status |
|---|---|---|---|---|---|---|
| FIO-DEB-0048 | B. Komane | R200,000 | 14.6% | R80.00 | R2,400.00 | ACTIVE |
| FIO-DEB-0047 | S. Dlamini | R350,000 | 14.6% | R139.97 | R4,199.10 | ACTIVE |
| FIO-DEB-0046 | R. Nkosi | R1,200,000 | 14.6% | R480.00 | R14,400.00 | ACTIVE |
| FIO-DEB-0045 | M. van Wyk | R500,000 | 14.6% | R200.00 | R6,000.00 | ACTIVE |
| FIO-DEB-0044 | T. Sithole | R800,000 | 14.6% | R320.00 | R9,600.00 | ACTIVE |
| FIO-DEB-0043 | P. Mokoena | R150,000 | 14.6% | R60.00 | R1,800.00 | MATURING |
Withdrawals
Maker-checker approval workflow for debenture payouts
● 3 pending requests
Withdrawal Requests
| Request ID | Debenture Receiver | Amount | Requested | SLA Deadline | Status | Actions |
|---|---|---|---|---|---|---|
| WD-2291 | B. Komane | R50,000 | 2025-04-01 | 2025-04-22 | PENDING_REVIEW | |
| WD-2289 | S. Dlamini | R30,000 | 2025-03-30 | 2025-04-20 | PENDING_FINAL_AUTH | |
| WD-2285 | R. Nkosi | R120,000 | 2025-03-25 | 2025-04-15 | CLEARED_FOR_PAYOUT |
All withdrawal requests require dual authorization. Step 1 approval must be completed before final authorization. Once cleared for payout, the request is queued for the next bank batch run.
Commission Splits
Track and manage commission distributions across policies
Commission Split Register
| Policy Ref | Client | Insurer | Primary Consultant | Secondary | Referrer | Total Comm. | Split Breakdown | Status |
|---|---|---|---|---|---|---|---|---|
| POL-4421 | J. Mokoena | Brightrock | Yvonne Maré [email protected] |
N/A | N/A | R8,400 | Fio HQ: R420 (5%)Your Comm: R840 (10%)Entity: R7,140 (85%) |
CLEARED |
| POL-4418 | T. Ndlovu | Discovery | Mark van Wyk [email protected] |
Yvonne Maré | N/A | R12,600 | Fio HQ: R630 (5%)Your Comm: R1,260 (10%)Entity: R10,710 (85%) |
CLEARED |
| POL-4415 | S. Maharaj | Sanlam | Yvonne Maré [email protected] |
N/A | B. Komane | R5,200 | Fio HQ: R260 (5%)Your Comm: R520 (10%)Entity: R4,420 (85%) |
PENDING |
| POL-4412 | L. Botha | Alpha | Mark van Wyk [email protected] |
N/A | N/A | R22,000 | Fio HQ: R1,100 (5%)Your Comm: R2,200 (10%)Entity: R18,700 (85%) |
CLEARED |
| POL-4489 | P. Sithole | Brightrock | Yvonne Maré [email protected] |
Mark van Wyk | J. Mokoena | R9,800 | Fio HQ: R490 (5%)Your Comm: R980 (10%)Entity: R8,330 (85%) |
CLEARED |
Split Matrix Visual
Illustrative breakdown of R1,000,000 commission pool
Fio HQ Revenue R50,000 (5%)
CommClub Commission R100,000 (10%)
Fio Entity Target R850,000 (85%)
Settings
System configuration and preferences
Interest Configuration
Calculation Method
Daily Simple Interest
Default Rate (per annum)
14.60%
Auto-Execute Time (SAST)
00:01
Yield Formula
Principal × (Rate ÷ 365)
Withdrawal SLA
SLA Window
15 Business Days
Authorization Mode
Maker-Checker (Dual Authorization)
Payout Batch Frequency
Daily (15:00 SAST cutoff)
Export Format
CSV (bank-ready batch)
Commission Split Model
Fio HQ Revenue Slice
5.00%
CommClub Allocation
10.00%
Entity Target Allocation
85.00%
System
Environment
DEMO / UAT
Platform
Fio-X Enterprise v1.0
Database
PostgreSQL (ACID)
Encryption
TLS 1.3 / AES-256