URL: /baas/corex/features/sct10-closed-loop

---
title: "SCT10 - Closed-loop Operation"
description: "Self-contained financial ecosystem for specific use cases"
---

# SCT10 - Closed-loop Operation

Self-contained financial ecosystem for specific use cases, enabling controlled internal transactions and custom payment instruments.

## Overview

This capability enables your platform to operate a closed-loop financial ecosystem where transactions occur within a controlled network, ideal for loyalty programs, corporate ecosystems, or specialized marketplaces.

## Features

| Feature | Description |
|---------|-------------|
| **Internal Wallet System** | Closed-loop wallet balances |
| **Network Transactions** | Internal peer-to-peer transfers |
| **Custom Instruments** | Branded payment instruments |
| **Loyalty Integration** | Points and rewards systems |
| **Ecosystem Management** | Control participant access |

## Use Cases

| Use Case | Description |
|----------|-------------|
| **Corporate Ecosystem** | Internal corporate payments and expenses |
| **Marketplace** | Buyer-seller transactions within platform |
| **Loyalty Program** | Points earning and redemption |
| **Gift Cards** | Closed-loop gift card systems |
| **Campus/Venue** | University or venue payment systems |

## Configuration Options

| Level | Features | External Access |
|-------|----------|-----------------|
| **Basic** | Simple closed-loop transactions | None |
| **Standard** | Full ecosystem with loyalty | Limited (load only) |
| **Advanced** | Hybrid closed/open loop | Full external connections |

## Closed-Loop Architecture

```mermaid
flowchart TD
    A[Load Funds] --> B[Closed-Loop Wallet]
    B --> C[Internal Transfer]
    B --> D[Merchant Payment]
    B --> E[Loyalty Redemption]
    
    C --> B
    D --> F[Merchant Wallet]
    E --> G[Points Account]
    
    subgraph Closed Network
        B
        C
        D
        E
        F
        G
    end
```

## Wallet Types

| Type | Purpose |
|------|---------|
| **Consumer Wallet** | Individual user balances |
| **Merchant Wallet** | Business/merchant accounts |
| **Float Wallet** | System float management |
| **Reward Wallet** | Loyalty points and rewards |

## Integration Options

### Hybrid Mode (Advanced)
Connect closed-loop ecosystem to external networks:

- **Load from Bank**: Fund closed-loop from external bank account
- **Load from Card**: Fund from external debit/credit card
- **Cashout**: Withdraw to external bank account

## Integration with Other Capabilities

| Capability | Integration |
|------------|-------------|
| **SCT01/02 - Distribution Channels** | Customer/merchant interfaces |
| **SCT05 - Subscription Management** | Recurring value loads |
| **SCT11 - Compliance** | Internal transaction monitoring |

## Subscription Tier Availability

| Tier | Configuration Level |
|------|---------------------|
| Starter | Not included |
| Professional | Basic |
| Enterprise | Advanced |
| Custom | Configurable |