Payments, records, and reporting for every kind of cooperative
Every peso your cooperative earns. Accounted for.
Members pay with one card: fares, the co-op store, bills, dues. Every peso reaches the cooperative, not somebody's pocket, on records nobody can quietly change, with regulator reports that write themselves.
- Works with no signal
- 20% statutory discounts applied automatically
- No e-money licence needed (BSP Circular 1166 §1)
- Runs on low-cost Android devices
The problem
Cash leaks.
Ask any cooperative where its money goes missing, and you'll hear the same answer: somewhere between the member's hand and the cooperative's account. Fares get pocketed. Store sales live in a notebook. Bills need a collection round. Records get re-typed. And by the time a shortfall shows up, nobody can prove where it went.
The answer
Collected money can't be hidden.
With Panta, members pay with a tap: a fare at the jeepney door, a basket at the co-op store, a bill at the office. Every peso goes straight onto the cooperative's record, tied to who paid, who collected, and what for. If money is missing, you can see exactly where. If it was collected, it reaches the cooperative. That's the whole point.
Why you can trust the numbers
Nobody can quietly change the record. Not even us.
Every fare can be traced from the passenger to the cooperative. Nobody can edit it after the fact. Nobody can delete it. Every peso is accounted for.
That's possible because every fare is cryptographically signed by the device that collected it, the instant it happens, and the record only ever grows. Nothing is impossible to attack; what matters is that you'd know immediately if someone tried.
{
"event_type": "CooperativeCreditRedeemed",
"cooperative_id": "coop-example",
"amount_minor": 1360,
"currency": "PHP",
"concession": "senior", // −20%, RA 9994
"route": "R-07",
"vehicle": "JPN-1142",
"operator": "clocked-on",
"sequence": 84206, // no gaps, no rewrites
"signature": "ed25519:9f2c…" // proof it happened
}Enterprise fare systems are priced for metro rail. Panta is priced for cooperatives.
Low-cost Android devices, a web browser in the office, and printed guides your staff can actually use. No proprietary terminals and no IT department. Everything below comes standard.
Every peso accounted for
Every fare, top-up, and payout is recorded the moment it happens, and the record can't be edited or deleted by anyone. Your reports come straight from the evidence.
Collects fares with no signal
The validator checks the passenger, applies the fare and discounts, and records everything with zero connectivity, then syncs up on its own. Built for brownouts, dead zones, and real roads.
Oversight becomes a login
Your regulator gets their own read-only portal and reads verified reports directly. No request letters and no quarterly scramble. The evidence is always current.
No e-money licence needed
Cooperative-credit is closed-loop under cooperative law, so there is no EMI capital requirement for the cooperative or its federation. And the software itself refuses transactions that would cross the line.
Fare theft has nowhere to hide
Every fare is tied to a route, a vehicle, and the driver who clocked on. Roster mismatches get flagged automatically. Collected revenue can't be hidden.
Runs on hardware you can afford
Ordinary low-cost Android devices and a web browser in the office. No proprietary terminals, no IT department.
Everyone sees their part
Purpose-built portals for the cooperative, the federation, the government, and platform administration. One system, and each role sees exactly what it should. Nothing more.
Works for every member
No smartphone needed: a printed QR card rides just fine. Interfaces are tuned for accessibility, and identity categories always carry a label and an icon, never colour alone.
Every kind of cooperative
The same member card runs fare collection, the co-op store, utility billing, and dues today, with services switched on per cooperative. Transport was the entry, not the ceiling.
Every kind of cooperative
Transport was the start. The whole cooperative economy is the point.
The Panta app
Not an app with a card in it. The member's card, alive.
Sign in once, then a PIN. Everything below is built and ships with the pilot.
The card, alive on the phone
The app shows the member's real Panta Card with a live balance. Several cooperatives? Swipe between cards, one per membership.
Pay by QR or a phone tap
A live code that renews itself, or tap the phone on the reader like a card (Android). Same record, same protections, offline included.
The co-op store, in a pocket
Members browse the cooperative's price list, pay from their balance, and collect at the counter. The system prices every order, never the phone.
Lost card? Locked in seconds
One switch in the app and the plastic card stops working everywhere, offline readers included. Report it stolen and only the counter can revive it.
Every peso, listed
Top-ups, fares, purchases, bills: the member's full activity with receipts. Discount card applications happen in the app too.
No smartphone? No problem
The printed QR and the physical card do everything a ride or a purchase needs. The app is a convenience, never a requirement.
How it works
From a passenger's tap to the regulator's report: one record, no re-typing.
The whole flow below runs live today. We'll happily walk you through it, end to end.
Enrol
Your staff enrol a member once. It's a short form at the office.
Credential
The member gets their own fare QR: a printed card or any phone screen. No smartphone required.
Tap
They tap to ride. The device charges the right fare, discounts included, with or without signal.
Record
The fare lands on the cooperative's record instantly, tied to the route, the vehicle, and the driver.
Settle
Every day, the system closes the books and instructs the payout. Once, and only once.
Report
Your regulator reports come straight off the same record. Open the portal, download, done.
One platform. Four faces.
Proven for generations
The model isn't an experiment.
Closed-loop, member-redeemable cooperative credit has run real economies for generations: Sardex in Sardinia since 2010, and WIR Bank in Switzerland since 1934. Panta brings the same instrument to cooperatives in the developing world, starting with transport.
No banking licence required
Members ride on cooperative-credit, issued by their own cooperative under cooperative law (RA 9520). The central bank's own rules say so, in BSP Circular 1166, Section 1:
“E-money issued under closed-loop electronic wallet systems is not covered by this Section.”
So there's no e-money capital requirement on the cooperative or its federation, and the software itself refuses any transaction that would cross that line. Read the circular.
See the working system, end to end.
Panta is preparing its first deployments across the Visayas and Mindanao. If you lead a federation or a cooperative, we'll walk you through the whole thing live: from a passenger's tap, to the money settling to your account, to the regulator's own portal.
Signing up takes about ten minutes. Find your cooperative by name, check the details we already hold from the government register, and upload three documents. A person reviews every application before anything goes live.
Built and running in its production cloud environment · pre-pilot · first deployments across the Visayas and Mindanao (target Q4 2026)