rwo-docs/docs/ideas-for-review.md

Ideas For Review

This file captures ideas raised in external conversations that are not yet integrated into the main planning docs. It is a parking lot for later review, not an approved roadmap.

Potential additions

Employer availability controls

• Let employers configure what share of earned commission becomes available immediately.
• Support policy rules by role, channel, product, or refund-risk profile.
• Add employer-set caps, waiting windows, and override rules for cash-out eligibility.

Clearer balance messaging

• Make the employee-facing UX explicit: earned now, available later, with concrete wording such as earned now, withdrawable in X days.
• Pair that messaging with visible explanations for employer policy, refund risk, and dispute timing.

Deeper analytics modules

• Show progress toward target or quota at the individual employee level.
• Track refund or chargeback rates by employer, location, channel, or seller.
• Trigger alerts when employee performance drops or when refund behavior starts affecting availability.
• Consider a premium analytics tier only after the core workflow proves valuable.

Pricing and economics to evaluate

• Test employer pricing tiers based on payment volume, workflow complexity, or payout usage.
• Define the economics of employer-backed advances, including whether part of the fee is shared with the employer.
• If retained-balance incentives are explored later, keep them aligned with partner-held custody and avoid making float the primary value case.

Ideas raised but not aligned with the current thesis

• Direct custody or wording that implies customer funds sit in the company account.
• Float as an early core revenue driver.
• Using retained funds to build a lending business before the ledger, controls, and reversal data are mature.
• Making advances an early flagship feature instead of a later employer-backed extension.