Welfare Wallet CD Pay
by One Fin — the financial touchpoint of the CD Restop ecosystem
CD Restop works with One Fin to build the CD Pay Welfare Wallet — paying for welfare activities across the CD Housing · GOMO · CD Go · EV-charging ecosystem. All fintech licensing and infrastructure is operated by One Fin. The app and CD Pay brand belong to CD Restop.
CD Restop × One Fin — who does what?
A transparent combined-fintech model with a clear split between the welfare brand (CD Restop) and the licensed financial infrastructure (One Fin).
- The CD Pay brand
- The mobile app (UI/UX)
- Ecosystem use-cases (CD Housing/GOMO/CD Go)
- End-customer relationships
- Fintech license (State Bank payment intermediary)
- Core banking + KYC/eKYC engine
- QR/NFC/ATM payment-gateway APIs
- Legal compliance + transaction reporting
One wallet — every welfare activity
CD Pay integrates deeply into every touchpoint of the CD Restop ecosystem — no extra apps, no juggling multiple accounts.
Welfare payments
Quickly pay for CD Restop welfare services: EV charging, CD Housing, GOMO, CD Go shuttle, insurance — via QR / NFC / wallet balance.
Collect & Disburse
Industrial zones / universities collect rent, electricity and welfare fees for CD Housing residents. Real-time reconciliation via the One Fin API.
Advance for welfare products
Unsecured micro-loans to buy GOMO BBU welfare packages (up to ₫3M / 30 days) — preferential 0-0.5%/month for GOMO Members.
CD Restop EV charging
Scan the station QR and pay straight from your CD Pay wallet. Earn CD Go points, redeem Highlands coffee perks and vehicle maintenance.
Automatic CD Housing rent
Flip the auto-pay switch — room, utilities and WiFi are deducted automatically at the start of each month. Never miss a due date.
Vouchers & gifts
Send CD Pay vouchers to family, gift nutrition BBU packages to parents back home, give Tết bonuses to industrial-zone staff.
One tap — every welfare transaction
The CD Pay app is designed minimally for workers, students and drivers — four taps complete a transaction. No passwords, just Face ID or fingerprint.
Before & After CD Pay
Each audience in the CD Restop ecosystem has a specific pain point solved.
Industrial-zone workers
Complicated rent transfers, bank fees, having to remember the due date each month.
Automatic collection via CD Pay — no fees, nothing to remember, with SMS confirmation.
Students
Out of money at month-end, having to call parents to send some — takes 1-2 days.
Borrow ₫1M instantly via CD Pay, repay from part-time wages — 0% interest the first 7 days.
CD Go drivers
Fuel, lunch, EV charging — three different wallets, three authentications.
One CD Pay for every service on the route — a single Face ID unlock.
CD Housing landlords
Cash collection, manual bookkeeping, hard to reconcile.
A real-time dashboard for 100 residents — who's paid, who's late, with auto-reminders.
Launching as soon as possible
MOU & technical integration
Sign the official CD Restop × One Fin MOU, integrate APIs into CD Housing + GOMO POS + charging stations.
Closed beta — 500 CD Housing Bac Ninh residents
Internal trial with the first pilot CD Housing residents. Rent collection, GOMO payments, EV charging.
Open beta — GOMO Members
Open to all GOMO Members. Adds BBU advance funding and gift vouchers.
Official nationwide launch
Cover 500+ CD Restop stops, integrate CD Go shuttle, Global Care insurance and many FMCG partners.
Sign up early — get launch perks
The first 500 sign-ups get ₫100,000 in-wallet on activation and free transactions for the first 6 months.
By signing up, you agree to receive notifications via Zalo from CD Restop & One Fin.