# Data Gaps Every unresolved discrepancy or missing figure found while building this pack, in one place. Nothing in the other documents assumes an answer to any of these — check here before treating a number as final. --- ## 1. Fastsecurepay — payin vs. payout direction mismatch (China) - The channel/volume tracker lists **Fastsecurepay** under **Alipay simple payin** (Low risk only, Live, currently 0 volume, "in the process of launching traffic"). - The rate card's only Fastsecurepay entry is for **Alipay payout** (1.5%, via "OKX P2P –0.02"). - These don't describe the same flow. The 1.5% figure is **not** used anywhere in this pack as Fastsecurepay's payin cost. - **Needs:** confirmation from the payments team of Fastsecurepay's actual payin rate, or confirmation that the tracker's method label should be payout instead. ## 2. TCL — three lines with no published rate yet (China) - Corporate Alipay payout, WeChat/UnionPay QR payin, and Alipay payin (Adult) are all listed as **"In integration"** in the tracker, with no corresponding row in the rate card. - Not a discrepancy — just not far enough along yet. Kept out of the cost tables and cascades until a rate is published and status moves to Live. ## 3. Turkey Sept–Oct 2026 targets — not provided - The tracker's September tab exists but is blank (channel names only, no volume/status/AFU data). - New-channel candidates (Continental, BnPay) and Astrum's renegotiated rate are now confirmed — see `docs/roadmap_sept_oct_2026.md`. **Volume targets are still not provided.** - `docs/geo_progress_comparison.md` and `docs/cost_analysis.md` use August's real, actual-volume figures (now including Payinextra) rather than a projection, so they don't depend on this gap being closed. ## 3a. Continental and BnPay — confirmed for cascade, not yet in the standard rate card - Both channels are confirmed at 4.5% PayIn with a 500 PayIn limit for Sept–Oct cascade placement, provided directly by the payments team. - Continental doesn't appear in either of this pack's two source spreadsheets at all. BnPay appears in the broader multi-GEO rate card as a paused candidate (4.5%/7.5%, "Start 10/09") that was previously out of scope per this pack's active-channels-only rule — it's now in scope because it's a confirmed Sept–Oct addition. - **Needs:** both channels added to the standard rate card / channel tracker with full terms (max limits, settlement, FX source) once integration is further along. ## 3c. Payinextra — discontinued channel, added to August retroactively - Payinextra appears in the broader multi-GEO rate card (PayIn 4.5%, PayOut 0.5%, T+0 +2.5%, FX Doviz.com) but was originally out of scope for this pack per the active-channels-only rule, since the volume tracker's August tab didn't list it as active. - Provided directly by the payments team: Payinextra carried 30,000 USDT of real volume in August before it stopped working early in the month, then reflected across this pack's channel tables, cascades, and cost analysis. - The exact date it stopped, and its daily volume figure (monthly total only is on file), aren't specified — recorded as "N/A"/"early August" rather than invented. - **Needs:** confirmation of the exact stop date if precise before/after cost attribution is ever needed. ## 3b. China's second new payout channel — candidate, rate not yet confirmed - A second new Alipay payout channel fills the tracker's remaining open "New channel" slot for September, alongside the confirmed HTX channel (see item 5 below). - No rate has been confirmed for this channel. It's carried in `docs/payment_cascades.md` and `docs/roadmap_sept_oct_2026.md` as a pipeline item, not cost-ranked, until a rate arrives. - **Needs:** rate confirmation from the payments team. ## 4. Conversion-rate (FTD/STD) coverage is thin - Turkey: only **E4A** has conversion data on file (50–70%). BigIdea, Prime, Favori, Corytech, and Astrum have none. - China: only **TCL** (both payin at 90%, and payout at 85/85%) has conversion data. Fastsecurepay and Moneystery have none. - In `docs/payment_cascades.md`, missing conversion data is treated as "unmeasured, monitor once live" — it is **not** treated as a failure, and a channel is never penalized in the proposed cascade for lacking this data. Only E4A is flagged, because it has data and that data is below the review floor. ## 5. New China channel (HTX P2P +3%) — cost confirmed, but by input rather than by source spreadsheet - **Resolved as of this update:** the payments team has confirmed this channel's all-in cost is roughly **4 percentage points lower** than TCL's (2.9% all-in). The nominal margins look close (HTX ~3% vs. TCL 2.9%) because the HTX +3% is a single fee blended directly against the live exchange rate, not stacked on a separate reference-rate markup the way TCL's structure is — that's why the visible nominal figures aren't a like-for-like comparison, and the true all-in gap is larger than it first appears. - Flagged here for provenance, not as an open question: this 4pp figure, and the related growth targets (payout volume 1.5M→3M, payin 0→50k/day, margin 0.1%→4–5%), are **provided directly by the payments team in this session**, not derived from either of the two original source spreadsheets. Treat them with the same confidence as a direct team statement, not as independently verified against a live quote by this pack. - See `docs/roadmap_sept_oct_2026.md` and `docs/cost_analysis.md`. ## 5a. Prime's limits/traffic-fit rationale — provided context, not in either spreadsheet - Neither source spreadsheet states that Prime's settlement limits are lower/more stable than other Turkey channels, or that Incas' Turkey traffic is small-ticket by design. This context was provided directly by the payments team and is now reflected in `docs/cost_analysis.md`, `docs/turkey_channel_review.md`, and `docs/payment_cascades.md`. - It changes the *interpretation* of the cost gap (a deliberate limits/stability trade-off, not neglect of a cheaper channel) but not the underlying numbers, which remain sourced from the two spreadsheets. ## 6. Broader rate-card candidates excluded by design, not by oversight - The multi-GEO rate card lists roughly 30 Turkey and 16 China channel/method combinations beyond the ones in this pack — many paused, in negotiation, unresponsive, or archived, and never carrying tracked volume. - Per scope agreed for this pack, only channels the volume tracker marks as active are included. The excluded candidates are not "missing data" — they're out of scope by design. If a future review needs the full candidate universe (e.g. to source a Forex or Adult backup channel), that's a separate exercise against the full rate card, not a gap in this one.