PrepaidChina

Pilot and plan

A small, testable pilot.

Explore one tightly defined customer group: verified foreign professionals with documented after-tax salary income and an occasional need for small international online purchases.

Virtual-card first

A focused first step

Start with virtual cards, narrow £20, £30 and £50 load bands and partner-defined eligibility. Test whether the experience is understandable, operationally practical and commercially sensible before widening the proposition.

Cohort

Legally employed foreign residents in China, weighted towards new and relatively recent arrivals, who can satisfy the selected partner’s eligibility and verification rules.

Product

Virtual card first. No physical card required for the pilot.

Use case

Small international online purchases, subscriptions, software / online services, gifts and ordinary expenses connected with life outside China.

Measure

Onboarding completion, first-load time, top-up frequency, average load size, transaction success, cost per load, support burden and repeat usage.

Partner feasibility

The questions to answer together

  1. 01Can a verified foreign worker be given a virtual international card or wallet whose funding is restricted to eligible, evidenced income?
  2. 02Can previous salary / tax verification be reused so that subsequent small card loads do not feel like a fresh remittance application every time?
  3. 03Which regulated structure is best: a China-issued international-network card, an approved remittance-funded offshore wallet / card, or another model?
  4. 04Can the funding step be exposed through an API or embedded flow so that the customer experiences it as a top-up?
  5. 05Can small loads - £20, £30, £50 equivalent - be made economical enough for everyday use?
  6. 06Could Skyee provide the card / wallet capability directly or through an issuing partner?

Can compliant infrastructure be packaged cheaply and quickly enough that a £20–£50 international purchase feels like topping up a card rather than initiating an international money transfer?

Commercial model

The economics should be agreed with the regulated partners. Possible components include a modest card / account fee, optional membership, service or FX revenue share where legally appropriate, and card-programme economics where the issuing structure permits. The proposition only works if everyday loads remain sensible for the customer.

A short feasibility discussion with the relevant SkyRemit / Skyee product and compliance colleagues: is there a compliant architecture that can deliver this virtual-card experience, and what would a small pilot require?