## 🏦 *Core Financial Features*

1. *Digital Wallet*

* Secure, multi-currency wallet for fiat and crypto.
* Stores Believe Coin, reward points, and other supported tokens.
* QR code support for easy transfers.

2. *Peer-to-Peer (P2P) Transfers*

* Instantly send or receive funds between users.
* Option to label transfers as “donation” or “persona

3. *Prepaid Visa/MasterCard Integration*

* Physical or virtual cards issued to users.
* Can be branded for churches or nonprofits.
* Used for daily purchases, online spending, and ATM withdrawals.

4. *Bank & Card Linking*

Deposit or withdraw via:

* Linked bank accounts (ACH)
* Debit cards (Visa/MasterCard)
* Cash at retailers (Walmart, CVS, Walgreens)
* Crypto exchange or Solana wallet

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🪙 *Crypto & Rewards Layer*

5. *Believe Coin Ecosystem*

* Utility token with a capped supply (21 million).
* Used for staking, donations, and loyalty rewards.

6. *Swap Function*

* Convert between Believe Coin, points, or supported tokens.

7. *Rewards Program*

* Earn points (1 point = \$0.01) from card usage or partner shopping.
* Up to 1% cashback routed to nonprofits or personal causes.

## 🙌 *Nonprofit & Community Tools*

8. *Donation Management*

* Users can select a preferred nonprofit or church.
* A percentage of card or wallet activity goes to that nonprofit automatically.

9. *Affiliate Giving Program*

* Individuals can refer others.
* Nonprofits earn from the network’s total spending and engagement.

10. *Impact Dashboard*

* Tracks donation flow, spending impact, and engagement analytics for nonprofits.

## 🔐 *Security & Account Features*

11. *Security & Privacy*

* 2FA, PIN lock, wallet encryption.
* Private keys and wallets remain user-controlled.

12. *User Roles*

* Admins (nonprofits or group leaders) can manage subaccounts or donor groups.
* Individuals can be part of giving networks or loyalty circles.

## 🧩 *Integration & Expansion*

13. *API Access*

* For partners and third parties to integrate donation routing or card issuance.

14. *Multiplatform Access*

* Available as mobile app, web portal, and kiosk-ready format.
* Integration with church and nonprofit CRMs.

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