Carrier wallet — fuel, insurance, maintenance
Stage 7 · Platform Engines
P2Future Platform
Four-Lane View
Software Function
- ›Fuel card with network discounts ($0.05/gal margin on $58K/carrier/yr spend) Insurance brokerage marketplace: 12% commission, broker never underwrite; renewals from Stage 1 verified data Maintenance/tires/parts marketplace (5% take on $25K/yr); equipment financing referrals (3%) Wallet lives inside the pay screen — where drivers already are daily
Service Provider / Admin
- ›Partnerships team curates vendors; take rates published to drivers (the transparency brand extends here) Wallet adoption analytics by cohort
User — Driver / IOO
- ›The $117K/yr they already spend, cheaper: group buying power, one statement, no junk fees Insurance quotes pre-filled from their verified profile — 10 minutes, not 10 phone calls
Customer — Client / FF / NVOCC
- ›Healthier carrier economics = capacity that doesn’t vanish in a downturn
Software Function
- ›Fuel card with network discounts ($0.05/gal margin on $58K/carrier/yr spend) Insurance brokerage marketplace: 12% commission, broker never underwrite; renewals from Stage 1 verified data Maintenance/tires/parts marketplace (5% take on $25K/yr); equipment financing referrals (3%) Wallet lives inside the pay screen — where drivers already are daily
Competitors
Mudflap/AtoB/Relay (fuel niches), Comdata/EFS (legacy, fee-heavy), Openforce (deduction-based products drivers resent)
Differentiation
Single-product fintechs must acquire drivers one card at a time. Our drivers open the app daily to get paid — distribution is free, so we can pass better economics through.
Make It Better
$56.5M potential at 12K carriers vs $0.5M from subscriptions — monetize the spend, never the paycheck. Wallet attach rate becomes the audience-engine KPI.