Plan
The budget
Nine million, six months, three people. Four instalments, of which only five million come from your working capital.
A fixed price, not a range. The specification has been read in full, the version 1 scope is settled, the estimate was made line by line.
Fixed price
9 000 000
FCFA
Duration
6 months
Team
3 people
Included after go-live
6 months
Payment schedule
| Instalment | Amount | Paid against | Funded from |
|---|---|---|---|
| On signature | 3 000 000 33 % | Start of the framing phase | Working capital |
| End of month 2 | 2 000 000 22 % | The foundation demonstrated: role-branch-ceiling rights, multi-tenant isolation, chained audit log, balanced ledger | Working capital |
| End of month 4 | 2 000 000 22 % | A full branch day: till opening, operations, four-way commissions, count, closing, balanced trial balance | Operating commissions |
| Go-live — month 6 | 2 000 000 23 % | User acceptance signed, timed restore drill, training delivered, cutover completed | Operating commissions |
Only 5,000,000 FCFA are drawn from your working capital, over the first two months. The last two instalments fall due once you have been trading for four and six months.
What the price covers
- Multi-tenant isolation enforced by the database engine, from the very first table — your chapter 25
- Immutable double-entry ledger, contra-entry corrections, journals, trial balances, bank reconciliation, financial statements
- Unified operations module with two to three partner networks configured · statement import, monitored mailbox and assisted entry
- The six till types, counts, discrepancies, closings · virtual vault and two-to-three-day liquidity projection
- Four-way commission engine with rounding account
- KYC, sanctions screening, thresholds, structuring detection, investigation files
- Three-way reconciliation with exception queue naming the diverging source
- Installable offline application for counter and supervisor · Android notifications at no unit cost
- Framing phase, security audit, performance testing, timed restore drill, training, code repository in your name
- Six months of maintenance and support after go-live — months 7 to 12
Conditions
- —Scope frozen after the framing phase — the depth of each module is arbitrated line by line and signed
- —A single point of contact on your side, with a 48-hour response commitment
- —Partner-side delays in granting access are not attributable to Vortex-Soft — V1 works without them, at statement-import and assisted-entry level
- —Deferred features are listed exhaustively and quoted at firm prices, valid for eighteen months
What "fixed" means on both sides
For you: the price does not move for the agreed scope. No true-up, no overrun, no discovery cost. If we underestimated an effort inside the frozen scope, that is our problem.
For us: the fixed price applies to a defined scope. A new request, an unmet external dependency or an assumption proved wrong follow the change procedure — they do not turn a nine-million commitment into an open-ended one.
The exact wording is in the dossier: fixed price for the contractual scope settled at framing, subject to the assumptions, dependencies and exclusions of the proposal.
What the schedule actually takes from your cash
This matters more than the amount itself. Your liquidity is not a reserve to draw on: it is the stock that determines how many operations you can handle. Every franc that leaves it mechanically reduces your commercial capacity.
Of the nine million, only five are drawn from your working capital, spread over the first two months. The remaining four fall due at months 4 and 6.
AMTM is not a precondition for opening your business: you hold your agent contract and your bank guarantee, and you can operate on your network's own terminal from today. If you start trading alongside the build, the last two instalments arrive once you have been earning commissions for four and then six months.
Why four instalments and not one
An instalment tied to a date proves nothing. Each of ours is tied to something you can watch running: the foundation and a balanced ledger at month 2, a full branch day at month 4, acceptance signed and cutover at month 6.
If a milestone is missed, it is not due.
The framing phase
The project opens with two weeks of framing, included in the price. Its deliverable is yours: accounting model and chart of accounts, profiles for the networks retained, compliance rules, scope arbitrated line by line.
It is also when the scope is frozen. Deferred features do not disappear: they are listed exhaustively and quoted at firm prices, valid for eighteen months. You trigger each phase when your business justifies it.
What is not included
Hosting, domain names and third-party licences, subscribed in your name and at their actual cost — around 1,250,000 FCFA a year at opening scale. Financial services, additional connectors, advanced steering, Visa cards and the decision assistant, all deferred into quoted phases. The external penetration test, of little relevance on a platform not yet exposed to real traffic. The fees of your accountant and compliance officer, whose validation gates the accounting and compliance modules. Maintenance beyond the twelfth month, covered by an annual contract at 1,800,000 FCFA.
The full list of exclusions is exhaustive and set out in the dossier, so that none is discovered mid-project.
Partner access is not a precondition to starting.
Version 1 runs on statement import and assisted entry, which require no external authorisation. An agent starting out does not obtain API access in the first year: the real-time connection is therefore deferred to phase 3, for when a network opens one to you. Delays attributable to networks are not attributable to Vortex-Soft.