• User can sign up with Google account | - User can create a username (Blish tag) for easier recognition and smoother transactions.

• User can create a “memorable word” to be used subsequently during signups, transaction authorizations, etc.

| | 1b. KYC | - As a user, I want to complete my KYC so I can have higher transaction limits, and have better protection. | - User can initiate and complete KYC actions by uploading BVN, NIN, and other documents as determined by the team. | - KYC is not required on sign up, and is only required when user initiates transactions above NGN 5000 (subject to change), or attempts to make a withdrawal. | | 2. Sign In | As a user, I want to sign in to my Blish account so I can continue transacting | - User can log in with email or Blish tag and memorable word

• User can log in with Google account

• User only needs to log in once with email and password. Afterwards, the face ID or memorable code is required. | - Accounts are tied to devices

• Only one device can be logged in at a same time | | 3. View Accounts | - As a user, I want to view all my accounts so I can know my current balances. | - User can view all accounts on the homepage

• All account balances and transactions are in user’s home currency (determined by GPS and IP address). | - User can view their Blish Secure, Blish Daily, and Virtual Card accounts from the homepage.

• Blish Secure contains user’s protected transactions/balance.

• Blish Daily contains user’s regular balance.

• Virtual Card balance displays user’s virtual dollar card balance. | | 4a. Create/Join Transaction | - As a user, I want to initiate or join transactions so I can make or receive payments. | - User can create or join transactions from the homepage. | - User has the option of creating a protected transaction (Blish Secure) or a regular transaction.

• Blish Secure transactions hold user’s funds in escrow within their Blish Secure wallet until the transaction has satisfied all the required conditions.

• Regular transactions move directly from one user’s Blish Daily wallet to another user’s Blish Daily wallet.

• All transactions have a unique ID/reference number.

• As a user completes more and more transactions, the number of completed transactions is shown on their profile to validate their authenticity and build trust within the app. | | 4b. Deposits | - As a user, I want to be able to load funds into my Blish wallets, so I can perform transactions | - Users can deposit funds into their wallets through:

1. Bank cards
2. Virtual bank accounts | - User is not required to load first before they can initiate transfers.

• Deposit can be made after all the details of the transfer have been filled. | | 4c. Contracts | - As a user who has created or joined a Blish Secured transaction, I want to have a contract visible to both parties so that we can have a guide for the transaction. | - On creating or joining a protected transaction, a contract is generated with all the details of the transaction to serve as a guide and reference for buyer, seller, and system. | - For each Blish Secured, transaction, there is a dashboard accessible to all parties involved, displaying the contract and updating the progress of the transaction.

• For protected transactions, there is a dispute resolution service by Blish

• Blish Secure dispute resolution is based on predetermined criteria (to be determined) | | 4d. Cross-border transactions | - As a user, I want to send money to other users in other countries. | - User can perform cross-border payments. Blish will handle currency conversions, and user will only see how much the recipient will receive. | | | 5. Profile/Settings | - As a user, I want to view my Profile/Settings so I can make or complete allowed updates. | - User can access their profile settings, so they can make changes to their profile, and perform other necessary profile related actions. | - Permitted updates:

• Non-permitted updates: Name, phone no, BVN | | 6. Notifications | - As a user, I want to get notifications so I can know the status of my transactions and receive other system messages. | - User can view notifications in chronological order. | - Marketing: milestone messages can be pushed through the notifications. | | 7. Recent transactions | - As a user, I want to see a list of my recent transactions so I can stay up to date with past and ongoing transactions. | - User can access past and current transactions. | | | 8. Scan QR Code | - As a user, I want to initiate payments to businesses/merchants by scanning their QR code | - User can scan merchant’s QR code to initiate transaction.

• This type of transaction is direct and is not protected by Blish Secure | - On scanning QR code, merchant’s details are loaded, and user simply inputs amount to be transferred, and confirms transaction. | | 9. Virtual Cards | - As a user, I want to create virtual dollar cards so I can make dollar payments on international shopping sites and others.

• As a user, I want to fund my dollar card, so I can make dollar payments on international shopping sites and others. | - User can create a virtual dollar card for international payments.

• User can fund virtual dollar card for international payments. | - Virtual dollar card can only be created after a certain level of KYC has been completed.

• Virtual dollar card has certain limits to be determined. | | 10. Biometric Authentication | - As a user, I want to register my biometrics (face, fingerprint) on my Blish account so I can sign in and authorize payments quickly and securely. | - User can register their Face ID/Fingerprint at any point from account creation to enable biometric sign in and transaction authorization. | | | 11. Blish Charges | - As a user, I want to have clarity about the charges I’ll be paying for using the Blish app. | - User gets charged a predetermined percentage for various transactions. | - Users get charged for:

1. Withdrawing from their Blish Secured wallet to Blish Daily.
2. Making deposits into their Blish Daily Wallet.
3. Making cross-border payments.
4. Withdrawing from their Blish Daily wallets into their bank accounts.

• Business users who receive money via QR code pay a predetermined percentage for every successful transaction.

• Sellers who default on contract agreements get a percentage deducted from their original payment daily until all agreements are satisfied. (Not to be confused with Disputes) | | 12. Dispute Resolution | - As a user, I want to be able to flag issues within the system when the other party defaults so that I can either get my funds back or get the product/service I’m paying for adequately fulfilled. | - User can report a transaction as faulty based on prior agreements within the contract.

• Funds are held within the system until either side has proven beyond reasonable doubts that their side of the contract has been fulfilled.

• Buyers and sellers should be able to communicate with each other.

| - Disputes occur when a buyer is not satisfied with the quality of product or service purchased. The admin determines if such misgivings are valid based on evidence provided by both buyer and seller.

• In case of products:

1. Seller must provide proof of delivery.
2. Buyer must provide proof of default.

In case of services:

1. Service provider must provide proof of service provided
2. Buyer must provide proof of default/reason for dissatisfaction

NB: All decisions will ultimately be at the discretion of the administrators. |