| Sector demand | Global digital payments to reach US $19 Tn by 2026, driven by mobile-first platforms | Statista – Digital Payments Outlook 2024 |
| Over US $4 Bn/year in cannabis transactions are unbanked in North America due to federal banking restrictions | Leafly – “Banking for Cannabis” Report 2023 |
| Caribbean cannabis markets projected at US $343 M by 2029, with fragmented financial infrastructure | MarketWatch – Caribbean Cannabis Forecast |
| Problem | 60–80 % of cannabis businesses in the Caribbean operate in cash-only or informal payment systems | ISC field research & interviews with regional operators |
| Solution | Stablecoin-backed backend (USDC/USDT); frontend appears as standard fintech wallet with card, transfer, and cash features | ISC technical blueprint (not public) |
| User experience | App supports Visa/Mastercard, bank transfer, and later cash-in/out modules; no crypto knowledge needed by user | Internal product roadmap – Phase 2 features |
| Launch geography | Dominica chosen as pilot country for its regulatory flexibility and alignment with Digital Economy Agenda (World Bank) | World Bank Dominica Digital Transformation Project 2021 |
| Target users | Cannabis operators, underbanked professionals, young adults (18–40), regulators seeking tax-traceable payments | This brief |
| Core functions | • KYC onboarding • Tax auto-calculation & transfer • B2B/B2C transaction wallet • Optional savings/remittance modules | ISC payment app specs |
| Phase 1 (2025–26) | • Launch business wallet for cannabis operators • Integrate tax remittance to Ministry of Finance • Pilot stablecoin conversion backend | ISC Phase 1 deployment roadmap |
| Phase 2 (2026–28) | • Public rollout to all adults • Launch card-linked features, savings, bill pay • Expand to St Vincent, St Lucia, Antigua | ISC regional expansion plan |
| Revenue model | • Transaction fees (0.5–1.2 %) • Subscription tiers for cannabis businesses • White-labeled API for POS systems • Stablecoin-fiat commission spread | Internal financial model (ISC 2024) |
| Financials (Y1 estimate) | • CAPEX: US $480 k • OPEX: US $300 k • Revenue: US $700–900 k • Breakeven in Year 2, EBITDA 35–40 % by Y3 | ISC Finance Team projection |
| Legal approach | Bypasses licensing by not issuing credit; functions as a regulated tech platform with wallet-as-a-service model | El Salvador Bitcoin model + FinCEN wallet guidance |
| Compliance layer | Full KYC + AML compliance modules; transaction traceability with audit export function | ISC compliance & legal playbook |
| ISC role | Leads government engagement, oversees architecture, ensures firewalling between blockchain backend & front-end UX | https://is-cannabis.com |
| Risks & mitigation | Regulatory changes → modular backend allows fast adaptation Crypto exposure → user interface masks backend Market hesitation → strong initial onboarding support | ISC internal risk register |
| ESG & Impact | Enables financial inclusion, reduces cash-crime risks, ensures legal tax collection from cannabis sector | World Bank Digital Public Infrastructure Best Practices |
| Investment menu | Equity ≥ US $300k • Revenue-share note US $100–300k (7 % gross until 1.5× repaid, then 3 %) • ISC Member: US $7.5k/yr | ISC investment brief |
| Contact | investor@is-cannabis.com | — |
