Remittance Vendor Analysis

Total Transactions

29,841

Across all vendors (9 days)

Total Money Movement

$5.75M

Combined volume

Unique Accounts

18,398

Active senders

Avg Transaction

$192.62

Per transaction

Market Share by Vendor

Vendor Performance Comparison

Corridor Analysis by Vendor

US remittance corridors showing vendor market share by destination country

Top Corridors Breakdown

Corridor	Total Volume	Uniteller	Transnetwork	Moneygram	Leading Vendor

Corridor Insights

Mexico dominates: Largest corridor at $3.0M total volume. Transnetwork leads with 64% market share ($1.9M).
Central America (HN, NI, GT, SV): Combined $5.4M volume. Transnetwork dominates these corridors with 65-73% share.
Moneygram's Venezuela focus: 100% of Venezuela corridor ($469K, 6,788 txs). This is Moneygram's only significant presence.
South America split: Uniteller stronger in Ecuador (57%), Transnetwork leads Colombia (88%) and Nicaragua (73%).
Caribbean presence: Uniteller serves Haiti (100%, $121K) and Costa Rica (100%, $165K) exclusively.
Strategic opportunity: Consider optimizing capital allocation based on corridor performance - Mexico and Honduras alone represent 51% of total volume.

Top Payers (Destination Banks) Analysis

Highest volume destination banks across all corridors

Rank	Payer / Bank	Country	Total Volume	Transactions	Uniteller	Transnetwork	Moneygram

Payer Insights

Mexico banks dominate top payers: BANCOPPEL ($410K), Elektra ($276K), and BBVA Bancomer ($237K) are top Mexican destinations - all served by Transnetwork.
Regional bank concentration: Top 4 payers (BANCOPPEL MX, Banco Atlantida HN, Bancolombia CO, Bancentro NI) represent $1.5M (26% of total volume).
Nicaragua has strong Transnetwork presence: BANCENTRO ($376K) and BANPRO ($315K) both exclusively Transnetwork, representing 34% of Nicaragua corridor.
Uniteller niche banks: B. de Occidente (HN, $281K) and Banco Promerica (NI, $168K) are Uniteller-exclusive, showing geographic specialization.
Moneygram Venezuela focus: Banco de Venezuela ($138K, 1,997 txs) is top Moneygram payer, reflecting exclusive Venezuela corridor coverage.

Detailed Vendor Breakdown

Vendor	Unique Accounts	Transactions	Total Volume	Avg per Transaction	Engagement	Position
T Transnetwork	10,443	17,203	$3,470,068	$201.71	1.65 tx/account	Market Leader
U Uniteller	6,095	9,244	$2,043,268	$221.04	1.52 tx/account	Premium Avg
M Moneygram	1,860	3,394	$234,624	$69.13	1.82 tx/account	Low Volume

Key Insights

Transnetwork dominates: Controls 60.4% of money movement and 57.6% of transactions. Clear market leader with 10,443 unique users.
Uniteller commands premium: Highest average transaction at $221.04, attracting customers sending larger amounts. 35.5% of total volume.
Moneygram declining: Only 4.1% of total money movement despite 11.4% of transactions. Significantly lower per-transaction value at $69.13.
Engagement varies: Moneygram users most engaged (1.82 tx/account) but smallest user base. Transnetwork balances scale with engagement (1.65 tx/account).
Strategic implications: Consider focusing partnership efforts on Transnetwork and Uniteller, which represent 95.9% of total money movement.

Average Transaction Size by Vendor

Uniteller Prefunding Capital Analysis

CURRENT PREFUNDING

$500,000

With Uniteller

💰 REQUEST BACK

$75,000

Keep $425K prefunded

Current Prefunding Optimization

Current prefunding: $500,000 with Uniteller
Daily average volume: $227,030 ($2,043,268 ÷ 9 days)
Settlement terms: Daily ACH settlement (T+1, next-day)

Capital Requirements Calculation

Scenario	Days Coverage	Required Capital	Can Release	Risk Level
Conservative	2.2 days (current)	$500,000	$0	Low Risk
Optimal	2.0 days	$454,060	$45,940	Low Risk
Balanced	1.9 days	$431,357	$68,643	Medium Risk
Aggressive (Recommended)	1.87 days	$425,000	$75,000	Medium Risk
Maximum Aggressive	1.76 days	$400,000	$100,000	High Risk

💡 Recommended Action: Request $75,000 Back from Uniteller

Current situation: You have $500,000 prefunded with Uniteller right now.
What to ask for: Request to reduce prefunding to $425,000 → Uniteller sends you back $75,000
Why this works: With T+1 settlement, you need 2 days coverage = $454,060. At $425K, you still have $198K cushion above daily volume.
Freed capital: The $75,000 they return can be redeployed to Transnetwork (60.4% market share) or other operational needs.
Risk mitigation: $425K covers 1.87 days of volume - tight but safe given reliable next-day ACH settlement.
Monthly impact: You still process $2M+/month through Uniteller, just with 15% less capital locked up.

📧 Email Template: Request Prefunding Reduction

Subject: Request to Optimize Uniteller Prefunding Account

Hi [Uniteller Contact],

Based on our recent transaction analysis (October 6-14), I'd like to optimize our prefunding arrangement:

Current Analysis:
• Daily average volume: $227,030
• Current prefunding: $500,000 (2.2 days coverage)
• Settlement: Daily ACH (T+1)

Proposed Adjustment:
• Reduce prefunding to: $425,000
• Return to MyBambu: $75,000
• New coverage: 1.87 days (still well above minimum requirements)

This optimization allows us to maintain seamless operations while deploying capital more efficiently across our vendor portfolio. Given our reliable settlement history and stable daily volumes, $425K provides adequate coverage.

Can we schedule a call this week to discuss? I'd like to process this adjustment by [date].

Best regards,
[Your name]

How We Got Here: The Math

                    Step 1: Calculate daily average

                    Total Uniteller volume (9 days): $2,043,268

                    Daily average: $2,043,268 ÷ 9 = $227,030/day

                    Step 2: Determine minimum float (T+1 settlement)

                    With next-day ACH settlement, you need to cover:

                    • Today's outgoing transactions: $227,030

                    • Yesterday's pending ACH: $227,030

                    Minimum required: 2 days × $227,030 = $454,060

                    Step 3: Assess current buffer

                    Current prefunding: $500,000

                    Minimum required: $454,060

                    Current buffer: $500,000 - $454,060 = $45,940

                    Step 4: Aggressive optimization

                    Target: 1.87 days coverage (slightly below 2-day minimum)

                    New prefunding: $425,000

                    Capital released: $500,000 - $425,000 = $75,000

                    Risk assessment:

                    $425K ÷ $227K daily = 1.87 days coverage

                    Buffer above 1-day volume: $425K - $227K = $198K (87% cushion)

                    Acceptable if settlement is reliable and volume is stable ✓