> ## Documentation Index
> Fetch the complete documentation index at: https://docs.finhub.cloud/llms.txt
> Use this file to discover all available pages before exploring further.

# SCT10 - Closed-loop Operation

> 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 theme={null}
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        |