A detailed blueprint for the two layers that transform SariKo from a seller platform into the immigrant banking stack no one in Southeast Asia has built.
Today, a SariKo seller earns in VND and sends money home through a separate app — Western Union, Remitly, or an informal agent — paying 3–7% in fees she shouldn't have to. The OFW Wallet closes this loop.
Seller earnings settle directly into a Pangea wallet balance — never touching a third-party remittance app. From there, she taps once to send to any destination.
The Gulf nodes (Dubai, Kuwait) are when this becomes a major revenue stream. Filipino workers in the GCC earn in AED/KWD and send PHP home. Pangea becomes their default rail — because it's already where their business lives.
| Provider | Fee | Speed | Seller benefit |
|---|---|---|---|
| 🏪 Pangea / SariKo | 0.5–1% | 1–2 hrs | Builds credit ✓ |
| Wise (standalone) | 0.5–1% | 1–2 hrs | No seller data |
| Western Union | 3–5% | Minutes–days | No benefit |
| Bank wire (SWIFT) | 4–7% + fees | 2–5 days | No benefit |
| Informal agents | 2–4% + risk | Same day | No protection |
After 12 months of selling on SariKo, Teresa has more verified financial data than most Filipinos who walk into a traditional bank. But the bank doesn't know her. Pangea does.
The Pangea Credit Score is built entirely from platform data — no external bureau needed at launch. Every action a seller takes on the platform feeds the model.
Each product is designed for the informal, diaspora seller — not the banked professional. No credit bureau required at launch. Just Pangea data.