i-Saves: rewards for those who serve & learn
A verified discount platform built for government staff and university students — special eWallet, deals that apply themselves, and a privacy-safe data engine that turns cohort demand into better campaigns for commerce platforms.
Verify · Pay · SavePublic pricing is one thing. Group pricing is another.
Government staff and students are the two segments that hold up a country — and the two least courted by commerce. i-Saves fixes that: one verification unlocks negotiated prices everywhere you spend, applied automatically at the till.
- Ministry HR & campus SSO verification — no paperwork
- Payroll-deducted top-ups via participating agencies
- DuitNow QR & ID, cards and contactless at checkout
- Itemised savings ledger — see every ringgit kept
i·SavesThree steps. Zero friction.
The entire value of a segment discount is that you never have to think about it.
Verify once
Confirm you are a government servant or an enrolled university student — through your ministry HR directory or campus SSO. One verification issues your digital Saves Pass; nothing else to prove, ever, at any merchant.
Pay with iWallet
Top up via payroll deduction, DuitNow or card, then pay with QR or contactless — the Touch 'n Go-style wallet built for your segment. Your eligibility travels with every payment.
Save automatically
Segment pricing is applied at the till before you confirm — no coupon hunting, no membership cards, no minimum-spend puzzles. If a better deal exists for your group, you get it.
One platform, three sides
i-Saves is a three-sided flywheel: verified members attract merchants, merchant budgets fund deeper discounts, and aggregate demand signals make every next campaign cheaper to aim.
For staff & students
A cost-of-living counterweight: daily food, fuel, transit, electronics and study materials at prices negotiated for your group — verified once, saved forever. Students build savings history before they ever enter the workforce.
For merchants
Access a large, creditworthy, verifiable audience without giveaway dilution of your public pricing. Fund discounts only for the segment you want, pay on conversion, and watch repeat-rate climb.
For e-commerce platforms
i-Saves streams consent-based, k-anonymized demand aggregates — what your segment groups actually buy and when — so platforms can curate special-group campaigns with real projected ROI, not guesses.
The six pieces of i-Saves
The Saves Pass
A digital membership credential carrying your verified segment and tier. It rotates a payment QR, survives phone changes, and expires with your employment or enrolment — so benefits never leak outside the group.
iWallet, built for segments
Prepaid wallet with payroll deduction top-up, DuitNow QR & transfer, bills and transit reloads. Spend controls for students, savings round-ups for staff — the same rails as any big eWallet, tuned to your stage of life.
Till-side auto-discounts
Discount engine resolves your segment at payment time across online and in-store checkouts. Stack rules are explicit, caps are visible, and every ringgit saved is itemised in your ledger.
Deal drops & flash windows
Segment-only flash sales — students-only evening drops on electronics, staff-only fuel rebate weeks. You are notified for your group; the crowd outside your group never sees the price, and never resells it.
The Aggregate Exchange
Our B2B data layer: category demand indices, campaign-readiness scores and cohort purchase curves — derived on-device, published only as k-anonymous aggregates, subscribed to by vetted commerce platforms.
Privacy as architecture
Verification returns a yes/no credential — merchants never learn who you are, only that you qualify. Aggregates are differential-private with minimum cohort sizes; no individual profile is ever exported, sold or purchasable.
The Aggregate Exchange — campaign-grade demand, cohort-level only
Commerce platforms want to serve special groups but cannot see them. i-Saves publishes what a cohort is about to buy — demand indices, elasticity bands, flash-window readiness — computed with k-anonymity floors and differential-privacy noise so no person is ever reconstructable.
- Merchant campaign console with conversion billing
- k-anonymized aggregates only; PII never leaves the vault
- Members can inspect and opt out of contribution at any time
{
"cohort": "students/public-uni/kv-priority",
"window": "2026-W42",
"k_anonymity_floor": 5000,
"demand_index": {
"electronics/laptops": 1.74,
"groceries/meal_prep": 1.21
},
"price_elasticity_band": [-18, -12],
"campaign_slot": "flash_students_nov",
"pii": null
}Built on serious rails
The same banking-grade engineering Antrex ships in Masrif eWallet powers iWallet — DuitNow QR & ID, instant settlement and full audit trails, tuned for segment benefits.
Questions, answered
At launch: serving government staff (any ministry or agency on the verification roster) and students enrolled in public universities, polytechnics and community colleges. Eligibility is proven once digitally — via HR directory or campus SSO — and re-checked silently each year. Other segments (B40 households, OKU, seniors) are on the roadmap.
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