# Minimum Viable Ecosystem (MVE) Overview The Minimum Viable Ecosystem (MVE) is the foundational launch strategy for PAMP Group Holdings (DukaExpress). Rather than attempting to launch all 32 subsidiaries simultaneously, the MVE defines the smallest set of interconnected business units that together deliver a complete, self-sustaining marketplace experience for the South Africa launch market. The MVE concept was developed by PAMP Group Holdings, founded by Leon Mutambala, to ensure that the DukaExpress platform (https://dukaexpress.com/) launches with a cohesive product offering that demonstrates the full value chain — from buyer discovery through payment processing, settlement, logistics, and data analytics. ## MVE Architecture and Subsidiary Dependencies Buyer PWA + Seller Web + Admin"] end subgraph Payments["Payments and Financial Layer"] PAY["PAMP Pay
Card, EFT, 3DS, Nedbank Gateway"] WAL["PAMP Wallet
MobiMoney, Top-ups, P2P"] TRS["PAMP Treasury
FX Settlement, Merchant Payouts"] end subgraph Identity["Identity Layer"] DID["PAMP Digital ID
KYC/AML, OAuth 2.0, Biometric"] end subgraph Logistics["Logistics Layer"] LM["PAMP Last-Mile
Delivery, Tracking, Routing"] end subgraph Data["Data and Intelligence Layer"] BDC["PAMP Big Data Cloud
Analytics, ML, Reporting"] end end DID -->|Authentication| MP DID -->|KYC Verification| PAY DID -->|Identity Tokens| WAL MP -->|Payment Intents| PAY MP -->|Order Fulfillment| LM MP -->|Event Streams| BDC PAY -->|Settlements| TRS PAY -->|Wallet Top-ups| WAL PAY -->|Transaction Data| BDC TRS -->|FX Rates| PAY TRS -->|Payout Reports| BDC WAL -->|Balance Checks| PAY LM -->|Tracking Events| MP LM -->|Logistics Data| BDC `} /> ## Strategic Rationale The MVE addresses three critical launch requirements: - **Complete value chain** — A buyer can discover products, pay securely, receive delivery, and the merchant receives settlement, all within the PAMP ecosystem - **Revenue generation from day one** — Transaction fees (1.5–3.5%), delivery commissions (15–20%), and wallet float income create immediate revenue streams - **Data flywheel activation** — Every transaction, delivery, and user interaction feeds the Big Data Cloud, enabling personalization, fraud detection, and business intelligence from launch ## Two Strategic Options PAMP Group Holdings evaluated two distinct MVE launch strategies, each optimized for different market entry conditions: ## Phase 1 Subsidiaries Regardless of which strategic option is selected, the Phase 1 MVE includes 7 core subsidiaries that form the foundation of the DukaExpress platform: ## MVE Launch Sequence ## Cloud Infrastructure Requirements The MVE requires multi-cloud infrastructure provisioned across 5 deployment targets: - **AWS af-south-1 (Cape Town)** — Primary production workloads, EKS clusters, RDS PostgreSQL, ElastiCache Redis, MSK Kafka - **Azure South Africa North (Johannesburg)** — Secondary workloads, AKS clusters, Azure AD B2C for identity federation - **GCP africa-south1 (Johannesburg)** — BigQuery for analytics, GKE for ML workloads, Cloud CDN - **Sangfor HCI** — On-premises 3–5 node clusters per country for data sovereignty and edge processing - **ATTOM Edge** — Micro data centers with UPS, cooling, CCTV, access control, and IoT sensors for last-mile operations ## Nedbank Activation Dependency The MVE launch is critically dependent on Nedbank gateway activation. The activation follows a three-stage process: 1. **Sandbox** — API integration development and testing against Nedbank sandbox environment 2. **UAT** — User acceptance testing with test transactions, 3D Secure flows, and webhook validation 3. **Production** — Live credentials, production transaction processing, and settlement activation The Nedbank activation checklist covers all 7 API categories: Authorisation (OAuth 2.0), ePay Solutions Enterprise (cards, 3DS, tokenization), Payments API (EFT/A2A), Wallet API (MobiMoney), Value-Added Services (Airtime/Vouchers), Rewards API (Greenbacks), and Customers API (profile prefill). ## Success Metrics The MVE launch is considered successful when the following targets are achieved: 98%", measurement: "Nedbank gateway success rate monitoring" }, { metric: "Checkout Latency (p95)", target: "< 150ms", measurement: "APM tracing on payment-svc" }, { metric: "Platform Uptime", target: "99.9%+", measurement: "Synthetic monitoring across all clouds" }, { metric: "DR RTO", target: "≤ 20 minutes", measurement: "Quarterly DR failover drills" }, { metric: "DR RPO", target: "≤ 15 minutes", measurement: "Replication lag monitoring" }, { metric: "Checkout Abandonment", target: "< 15%", measurement: "Funnel analytics in Big Data Cloud" }, { metric: "Fraud Rate", target: "< 0.2%", measurement: "ML fraud scoring in Big Data Cloud" }, { metric: "Merchant Onboarding Time", target: "< 48 hours", measurement: "KYC pipeline completion tracking" } ]} caption="MVE Success Metrics" filterable={true} />

MVE Overview