🌐 Debel.app Ecosystem: Secure Learning Payments with Compliance
💳 Core Features of Debel.app
Account Balance
Your Debel.app account balance is a credit ledger, not a regulated wallet. It tracks learning credits and event payments within the platform, ensuring transparency.
Top-up
Users can securely top‑up credits via approved payment gateways. These credits are used only for courses, events, and services inside Debel.app — avoiding any “deposit‑taking” risks.
Payout
Institutions and service providers receive payouts directly through gateways. Debel.app does not hold funds long‑term, aligning with BNM’s non‑custody requirement and payment gateway compliance checks.
Milestone Release
For projects or staged learning, payments can be released upon milestone completion. This reduces disputes, ensures accountability, and demonstrates structured transaction monitoring.
Referral Program
Debel.app offers a two‑tier referral program:
- Tier 1 (Direct): 10% reward for inviting friends.
- Tier 2 (Indirect): 5% modest incentive for extended networks.
📊 Transaction Limits for Compliance
Debel.app enforces strict transaction caps:
| Transaction Type | Minimum | Maximum | Compliance Rationale |
|---|---|---|---|
| Single Transaction | RM10 | RM2,000 | Aligns with BNM’s small‑value threshold; reduces money laundering risk |
| Daily Limit per User | RM10 | RM5,000 | Prevents structuring (splitting transactions to bypass limits) |
| Monthly Limit per User | RM50 | RM20,000 | Keeps overall exposure manageable |
| Referral Rewards | RM10 | RM500 per referral | Ensures incentive program remains marketing‑based |
| Top-up/Payout | RM10 | RM2,000 per event | Matches single transaction cap, avoids deposit‑taking concerns |