Introduce a native Growthware Wallet that centralizes merchant cashflow activity (payments, payouts, reserves, adjustments) and serves as the financial identity layer for a future embedded lending product.
The Wallet will normalize transaction data across payment rails and provide a structured ledger, balance tracking, payout preferences, and risk indicators. Once sufficient transaction history is established, the Wallet will power a Capital Engine that evaluates merchant eligibility for pre-qualified financing offers based on revenue consistency, dispute rates, growth velocity, and overall financial health.
The long-term objective is to:
Unlock embedded capital as a Growthbooks augmentation
Increase merchant retention through financial utility
Create a new revenue stream via lending participation or referral economics
Tie lending eligibility directly to Growth Index performance signals
This initiative establishes the foundation for embedded financial services while reinforcing Growthware’s positioning as the merchant operating system.