FIDNT operates as the user's agent under Civil Code 1868. Platforms license user-consented data through the agency rail; the platform pays the user directly. FIDNT issues the signed mandate + receipt + ledger entry, and invoices its disclosed admin fee to the platform separately as service revenue. Money never enters or transits a FIDNT account. It runs on the same real engine as the rest of Fidnt: passkey login, post-quantum-signed evidence on every call (NIST FIPS 204), and a PPSR-registered creditworthiness the user can take to any lender. Below: the economic model, what each user segment earns, the three-tier subscription, and the order in which platform buyers come on.
Every stream is consent-governed. Every payment produces a receipt. The platform pays the user directly; FIDNT issues the proof and invoices its disclosed admin fee separately.
| Stream | What it is | User share | Legal basis |
|---|---|---|---|
| Data Licensing | Direct consent-governed data licensed to banks, fintechs, research firms. | 82% | RA 10173 + BSP Circular 1122 |
| Credit Enhancement | PPSR-registered creditworthiness licensed to lenders for pre-approval. | 80% | RA 11057 + IAS 38 ¶ 88 |
| Identity Verification | Layer 0 Genesis Record licensed to platforms requiring KYC. | 80% | RA 11055 + W3C DID v1.0 |
| Data Portability | Open Finance portability managed on the user's behalf. | 75% | BSP Circular 1122 + RA 10173 §18 |
| Aggregate Dataset | Anonymized pooled data licensed to academic, government, market research. | 70% | RA 10173 + GDPR Art. 89 |
| NPC Enforcement Recovery | Penalty recovery when a third party misuses data. | 85% | RA 10173 §§25–32 + RA 11765 |
Mandate signed. Layer 0 Genesis Record created. Data assets registered (PPSR where applicable).
KYC via PhilSys. Cryptographic key bound to the bearer. Tier assigned. Consent receipt issued.
FIDNT (as agent) licenses user data to buyers on stated terms. Every event logged on the receipts ledger.
Buyer pays the user directly via the buyer's own rail. FIDNT issues the receipt + ledger entry. FIDNT invoices its disclosed admin fee to the buyer separately as service revenue.
Any misuse triggers an NPC complaint envelope. Recovery proceeds returned to the user at 85%.
Pure online operation. No office, no physical staff. Costs are infrastructure, AI, regulatory licensing, legal, and platform support — sized to revenue, not to fundraised capital.
The same protocol primitives produce different per-user economics depending on the user's data assets and registered IP. Income tier is a side-effect; the protocol is the same.
| Segment | Profile | Data assets | IP activities | Monthly user payout |
|---|---|---|---|---|
| T0 | Unbanked · informal economy | Basic identity · location · device | none | illustrative ₱0.3K–0.5K |
| T1 | Informal worker · ₱5K–15K/mo income | Wallet history · social commerce · basic credit behavioral | none | illustrative ₱1K–2K |
| T1+ | Employed · ₱20K–40K/mo | Payroll · bank · credit history · Open Finance | none | illustrative ₱2K–3K |
| T2 | Freelancer / creator · ₱50K–100K/mo | Multi-source income · platform behavioral · audience | copyright · brand | illustrative ₱4K–6K |
| T2+ | SME owner / professional · ₱100K–300K/mo | Business revenue · multi-bank · investment portfolio | trade · copyright · trademark · software | illustrative ₱8K–12K |
| T3 | High value · enterprise principal · ₱500K+/mo | Complex multi-institution · international · investment | framework · copyright · patent · software · trademark | illustrative ₱18K–24K |
Per-user amounts are illustrative pending market validation. Real per-stream rates vary by buyer category, contract, and PPSR status. The 80% user share is structural — it is the agency model under Civil Code 1868, not a marketing claim.
Individuals never pay. Businesses pay because the law requires them to be data-privacy compliant. And the AI agents acting on your behalf pay per action. That is how your free stays free — forever, not as a trial.
Business subscriptions, per-call usage and individual pay-per-use are all service fees — VAT-eligible above threshold; no securities, no custody, no employment relationship. Royalty distribution to the user is passive income to the principal, taxed at the 20% final rate for PH residents under the agency relationship (Civil Code 1868). FIDNT issues no Form 2316; the user reports income on their ITR.
Some buyers come within thirty days. Some require regulatory pressure to take a meeting. The order matters: build revenue with the willing first, let regulation work on the rest.
| Buyer category | Initial reaction | Final outcome | Timeline | Risk |
|---|---|---|---|---|
| Market research / academia | Immediate interest | Earliest buyer | 1–3 months | very low |
| Fintech / e-wallets | Strategic interest | Willing partner | 1–6 months | low |
| Insurance | Eager evaluator | Committed buyer | 6–18 months | low |
| Banks (PH) | Cautious interest | Early adopter (selected) | 3–12 months | low–medium |
| Telecommunications | Commercial evaluation | Selective buyer | 6–18 months | low–medium |
| E-commerce platforms | Indifferent to resistant | Eventual buyer | 1–3 years | medium |
| Government agencies | Regulatory alignment | Institutional partner | 6–24 months | low |
| Global big tech | Hostile | Forced compliance | 2–4 years | high |
Market research firms · IRB-compliant verified consumer data. Fintechs · Open Finance compliance acceleration + premium data quality. Insurance actuarial teams · improved loss ratio. Approach directly.
Bank trust departments · charter-aligned transactions. Telcos · SIM registration compliance + churn analytics. Government sandboxes · Open Finance proof of concept.
Big tech platforms (Meta, Google, TikTok, X) and large e-commerce (Shopee, Lazada) will not engage voluntarily. NPC enforcement and ASEAN regulatory pressure converge over the cycle. They come to FIDNT once they need a compliant licensing pathway.
RA 10173 penalties up to ₱5M per violation. NPC enforcement actions accumulating. ASEAN data sovereignty frameworks tightening.
FIDNT's verified, consented, PPSR-registered data is more valuable than scraped or assumed behavioral data. Every credit model, actuarial table, and recommendation algorithm improves with verified data.
The receipts ledger creates platform stickiness. Once a user grants a mandate through FIDNT, that consent is portable, auditable, revocable. Platforms that integrate early become the standard.
loading…
Every fiduciary numeric on this page is read from /iset_legal_constants.js at runtime — citations migrate to specific document sections once ceremonial documents are anchored at /instruments.