The attractiveness of the marketplace and payment system for consumers will be ensured through:

• Accelerated settlement mechanism (30 days)
• Discounts from SME companies
• Bonuses from the state when purchasing finished goods and services (real sector of the economy)

Suppliers of goods and services, despite the provision of a discount, profit from new sales, taking into account all their costs, and have access to a large consumer base.

In turn, billing partner/bank ensures smooth functioning of the marketplace, payment system and realization of mutual settlements in automatic mode under the control of the state.

Within the fintech project, the state is assigned the role of regulator and guarantor for the issuance of bonuses in non-physical, non-monetary form, allowing to increase the purchasing power of consumers and supply (production) by suppliers of goods and services.

Monetization of the project through conclusion of the Technology Transfer Agreement, execution of the project rider and author's supervision of the project implementation.

Technology Transfer / License Agreement is offered to the following categories of customers:

• Government
• Payment systems
• Banks
• Marketplaces
• Neobanks

The innovation of the project technology is as follows:

• Direct delivery of funds to the real economy
• Obligation of SME companies in exchange for government participation
• Ensuring real sales of goods and services of SMEs on the marketplace
• Implementation of the project does not require the allocation of budgetary funds

Taking into account the existing experience of working meetings and discussions of the project with the participants of public and private structures, we note the positive aspects of the project in the form of the presence of:

• Multiplicative effect from the launch of the project in the economy, the ability to quickly fulfill the tasks of the socio-economic block of the government
• An economic system to improve the welfare of individuals and the development of SMEs.
• Criteria necessary for piloting in/out of the regulatory sandbox regime
• Conditions for easy implementation of the project in the region, absence of business and reputational risks for the government and other project participants

The technology/franchise of the project “WOW CARD” as a technological solution and calculation system is easily and quickly scalable to other countries and regions.

There is a full description of the project, including a mathematical model of the new economic system (Poincaré-Perelman hypothesis) and a mathematical scenario of the “WOW CARD” project for 40 years ahead.

The WOW CARD project aims to achieve the following 4 UN SDGs without excluding the other SDGs:

• SDG 8 “Decent Work and Economic Growth”
• SDG 10 “Reduce inequalities”
• SDG 16 “Peace, Justice and Strong Institutions”
• SDG 17 “Partnerships for the Goals”

The fintech project “WOW CARD” is a new economic system, an innovation that will systematically solve the problems of ensuring stable social and economic development, create clear and transparent rules for society and business, in fact, is an anti-crisis plan of the state, in which the growth of labor productivity grows faster than prices.
This growth will apply not only to fintech, the banking sector and the economy, but also to the quality of life of the population, as measured by the UN index (IHDI inequality-adjusted human development index).