SAKALA — ID + Payment Card: Month 1 Operations Playbook

Card Design Specifications
Enrollment Station Setup
Enrollment SOP (Step-by-Step)
Data Security Protocol
Wallet Activation Guide
Payroll Integration
Daily Operations — 30-Day Calendar
Training Curriculum for Enrollment Staff

HOW TO USE THIS DOCUMENT: This is the operational playbook for the first 30 days after receiving approval from Jamaica/NIRA/BOJ. Every section is self-contained. Hand Section 2 to your logistics lead. Hand Section 3 to your enrollment staff. Hand Section 8 to your trainer. The 30-Day Calendar in Section 7 is the master timeline... everything else feeds into it.

01 Card Design Specifications

Physical + Digital + Chip

Physical Card Specifications

Attribute	Specification	Notes
Material	Polycarbonate (PC)	Industry standard for national ID cards. Resists bending, heat, moisture. Superior to PVC for 10-year lifespan.
Dimensions	85.6 mm x 53.98 mm x 0.76 mm	ISO/IEC 7810 ID-1 (standard credit card size)
Durability Target	10 years minimum	Polycarbonate rated for 10+ years in tropical conditions (heat, humidity, UV)
NFC Chip	ISO 14443 Type A/B	Contactless interface, 13.56 MHz. Same standard as passports, transit cards, and contactless payments.
Contact Interface	ISO 7816	Gold-plated contact pad for chip-and-PIN transactions
Magnetic Stripe	ISO 7811 (Hi-Co)	Backup for legacy POS terminals that lack chip/NFC readers
Printing	Laser engraved (personalization)	Name, photo, card number laser-engraved into polycarbonate. Cannot be altered without destroying card.
Security Features	UV ink, microprinting, holographic overlay	Anti-counterfeiting. Hologram includes SAKALA logo + CARICOM emblem.

Card Face Design

SAKALA

CARICOM Digital Identity

))))

4923 •••• •••• 7841

JEAN-PIERRE DUVAL

Valid 04/26 – 04/36 Cooperative Member Since 2026

COOP-0001 | Site: Cite Soleil HQ

VISA

))))

Authorized Signature

This card is property of SAKALA Cooperative. If found, return to nearest SAKALA franchise site.
Issued under Jamaica NIRA digital identity framework. JAM-DEX enabled.
24/7 support: +1-XXX-XXX-XXXX | lost@sakala.coop

CARICOM-DI-2026-XXXX

VISA

Front Face Elements

Element	Position	Details
SAKALA logo	Top left	Gold (#b8860b) on navy. Laser-engraved.
Cardholder photo	Left center (alternate layout: right)	24mm x 30mm, color, captured at enrollment. Laser-engraved into polycarbonate.
Cardholder name	Below chip	Full legal name, uppercase, 11pt Inter Bold equivalent
Card number	Center	16-digit PAN (Primary Account Number), embossed + laser-engraved
Cooperative membership ID	Bottom left	Format: COOP-XXXX. Links to cooperative member record.
Validity dates	Below name	MM/YY issue date and MM/YY expiry (10-year validity)
NFC indicator	Upper right area	Standard contactless symbol (four curved lines)
Contact chip	Left center, above name	Gold-plated ISO 7816 contact pad
"CARICOM Digital Identity"	Top right	Microprinted, 6pt, uppercase

Back Face Elements

Element	Position	Details
Magnetic stripe	Top, full width	Hi-Co ISO 7811. Encodes Track 1 + Track 2 data.
Signature panel	Below mag stripe	White panel with microprinted "SAKALA" repeating background
Visa/Mastercard logo	Bottom right	Per network brand guidelines (final network TBD based on Jamaica issuer partnership)
NFC symbol	Top right	Repeated for back-face tap identification
CARICOM identifier	Bottom left	Format: CARICOM-DI-YYYY-XXXX
Card info text	Center	Return instructions, support line, legal text. 6pt.
CVV	Signature panel area	3-digit security code, printed (not embossed)

Chip Data Architecture

Data Element	Storage	Access Level	Purpose
Payment applet (EMV)	Secure element	Card network + terminal	Visa/MC transactions, JAM-DEX wallet
Biometric template	Secure element	On-card match only	Fingerprint hash for identity verification. Raw image NEVER stored on chip.
JAM-DEX wallet address	Application area	BOJ system + merchant terminals	Links card to CBDC wallet for digital payments
Cooperative membership data	Application area	SAKALA system	Member ID, franchise site, enrollment date, membership tier
Identity certificate	Secure element	NIRA verification	Digitally signed identity attestation from NIRA

Dual Interface Operation

Contact mode (chip-and-PIN): Insert card into terminal, enter PIN. Used for high-value transactions, ATM withdrawals, and identity verification at government offices.

Contactless mode (NFC tap): Tap card on terminal. Used for low-value purchases (under threshold set by BOJ, typically $5,000 JMD), transit, and franchise site check-in.

Biometric match: For identity verification scenarios (not payment), the card performs on-card fingerprint matching. The reader captures a fingerprint, sends it to the card's secure element, and the card returns match/no-match. The fingerprint never leaves the card.

Branding Specifications

Element	Color	Hex
Card background (primary)	SAKALA Navy	#0d1b2a
Card background (gradient)	SAKALA Deep Teal	#1b3a4b
Logo, accents, chip frame	SAKALA Gold	#b8860b
Secondary text, NFC icon	SAKALA Sage	#8db5a5
Card network logo	Per network guidelines	Visa Blue or MC Red/Orange
"CARICOM Digital Identity" text	Muted gray	#64748b

02 Enrollment Station Setup

10 Stations · $5K–$20K Total

Equipment Per Station

Item	Specification	Cost (USD)	Source
Laptop or Tablet	Windows 10/11 or Android 12+, 8GB RAM, 256GB SSD, front camera 5MP+	$200–$400	Refurbished Lenovo ThinkPad / Samsung Galaxy Tab A8
External USB Camera	1080p, autofocus, USB-A. For consistent photo quality.	$25–$50	Logitech C920 or equivalent
USB Fingerprint Scanner	FBI-certified (PIV/FAP 10), optical, 500 DPI minimum, USB-A	$50–$150	DigitalPersona 4500 / SecuGen Hamster Pro 20
Card Printer (optional)	Dual-sided, retransfer, NFC encoding capable	$3,000–$8,000	Matica XID8600 / HID Fargo HDP6600 (central print only)
UPS / Power Bank	600W UPS or 100Wh+ power bank for 4-hour operation	$50–$100	APC Back-UPS / Anker PowerHouse
Mobile Hotspot	4G LTE, prepaid SIM, minimum 10GB/month	$30–$60	Local carrier (Digicel/Natcom)
Photo Backdrop	Collapsible white/light gray backdrop, 5x7 ft	$15–$25	Amazon / local fabric store
Enrollment Kit Case	Pelican-style hard case, foam-lined, waterproof	$40–$80	Protects all equipment during transport between sites
Per Station Total (without printer)		$410–$865
Per Station Total (with printer)		$3,410–$8,865

RECOMMENDATION: Start with enrollment-only stations (no on-site printers). Central printing at 1–2 locations keeps quality consistent and cost down. Only add on-site printers if card delivery logistics become a bottleneck after Month 1. Budget for 10 enrollment stations without printers: $4,100–$8,650 total. Budget for 1 central printer: $3,000–$8,000.

Station Count and Deployment

Phase	Stations Active	Locations	Timeline
Phase 1	2	Cite Soleil HQ (Site 0)	Days 1–7
Phase 2	4	Sites 0–3	Days 8–14
Phase 3	6	Sites 0–5	Days 15–21
Phase 4	10	All 10 franchise sites	Days 22–30

Site Requirements

Requirement	Minimum	Ideal	Workaround if Unavailable
Table	1 folding table (6 ft)	2 tables (enrollment + waiting)	Any flat stable surface
Chairs	2 (operator + enrollee)	6 (operator + enrollee + 4 waiting)	Benches, stools
Power	1 outlet (or solar panel 100W+)	2 outlets + surge protector	UPS/power bank gives 4-hour buffer
Internet	None (offline-capable with nightly sync)	4G LTE hotspot	Offline enrollment stores data locally, syncs when connected
Shade/Cover	Tarp or tent (rain + sun protection)	Indoor room	Pop-up canopy 10x10 ft ($60–$100)
Photo Background	White cloth hung behind chair	Collapsible backdrop with stand	White wall works if available
Security	Lockable case for equipment overnight	Secure room with lock	Equipment goes home with operator

Station Layout

Enrollment Station Floor Plan (Top-Down View)

🚪

Entry / Queue

Waiting area with 4 chairs. Enrollees wait here. Consent forms distributed for pre-reading.

💻

Enrollment Desk

Laptop + fingerprint scanner + camera. Operator sits facing enrollee. 6ft table.

📷

Photo Station

White backdrop, 3ft from camera. Stool or standing mark on floor. Good lighting (natural or LED panel).

✍️

Consent / Signature

Small table. Enrollee reviews printed form, signs, thumbprints. Operator witnesses.

🔌

Power / Connectivity

UPS, surge protector, solar panel (if outdoor), 4G hotspot. All cabling taped down (trip hazard).

✅

Exit / Confirmation

Enrollee receives enrollment receipt (printed or SMS). Told when/where to collect card.

Queue

→

Consent

→

Photo

→

Fingerprint

→

Data Entry

→

Review

→

Receipt

THROUGHPUT: One station can enroll 10–20 people per day (15–25 minutes per enrollment including photo, fingerprint, and data entry). Two stations at Site 0 can process the initial 25 youth in 1–2 days.

03 Enrollment SOP (Standard Operating Procedure)

10 Steps · 15–25 min per enrollee

BEFORE YOU BEGIN EACH DAY: (1) Power on all equipment and verify camera, fingerprint scanner, and software are working. (2) Confirm database connectivity or offline mode is active. (3) Check that consent forms are stocked (minimum 30 per day). (4) Verify photo backdrop is clean and properly positioned.

Youth Arrives at Franchise Enrollment Station
Greet by name if known. Confirm they are on the enrollment roster for today. If walk-in, add to roster and assign queue number. Estimated wait time communicated. Hand them a consent form to read while waiting.
Operator
Verify Identity
Option A (preferred): Present existing CIN (Carte d'Identification Nationale) or other government-issued ID. Operator records CIN number in system. Visually confirms photo match.
Option B (community witness): If no CIN available, two community witnesses must be present. Each witness must: (a) hold a valid CIN themselves, (b) state under oath they have known the enrollee for at least 1 year, (c) sign the witness attestation section of the consent form. Operator records both witness names and CIN numbers.
DO NOT PROCEED if neither Option A nor Option B can be satisfied. Reschedule with instructions to bring documents or witnesses.
Operator
Capture Photo
Position enrollee on stool or standing mark, 3 feet from camera. White/light background behind them.
Photo requirements:
- Front-facing, eyes open, neutral expression
- No headwear (religious exceptions permitted with face fully visible)
- No glasses (unless medically required, then no glare)
- Face fills 70–80% of frame height
- Even lighting, no harsh shadows
- Minimum resolution: 600x800 pixels
Take 2–3 photos. Select best. Show enrollee for approval. Retake if quality check fails (software will flag issues).
Operator
Capture Fingerprints
Both index fingers (left and right). Process:
- Clean scanner surface with alcohol wipe between enrollees
- Have enrollee wash/wipe hands if dirty or wet
- Place right index finger flat on scanner. Hold steady for 3 seconds. Software confirms capture quality (NFIQ score >= 3).
- Repeat with left index finger.
- If quality check fails: clean finger, reposition, retry up to 3 times.
- If BOTH fingers fail after 3 attempts each: capture right middle finger as fallback. Document exception.
NEVER force a poor-quality capture through. Bad biometrics = card that cannot be verified = useless.
Operator

Enter Enrollee Data
Enter the following fields into the enrollment software:

Field	Format	Required?	Example
Full legal name	LAST, First Middle	Yes	DUVAL, Jean-Pierre Michel
Date of birth	DD/MM/YYYY	Yes	15/03/2004
Gender	M / F / X	Yes	M
Address	Free text (street, zone, commune)	Yes	Rue Monseigneur Guilloux, Cite Soleil
Phone number	+509 XXXX-XXXX	Yes (or guardian's)	+509 3456-7890
Emergency contact name	Free text	Yes	Marie Duval (mother)
Emergency contact phone	+509 XXXX-XXXX	Yes	+509 3456-0001
Cooperative membership #	Auto-generated: COOP-XXXX	Auto	COOP-0001
Franchise site	Dropdown selection	Yes	Site 0 - Cite Soleil HQ
CIN number (if available)	National format	If Option A	XX-XX-XX-XXXX-XX
Witness 1 name + CIN	Free text + national format	If Option B	Pierre Louis, XX-XX-XX-XXXX-XX
Witness 2 name + CIN	Free text + national format	If Option B	Rose Jeune, XX-XX-XX-XXXX-XX

Operator

Review Data with Enrollee
Read back ALL fields aloud to the enrollee in Kreyol. Show them their photo on screen. Confirm spelling of name (letter by letter if needed). Confirm date of birth, address, phone number. Enrollee verbally confirms "Wi, kore" (Yes, correct) or corrects any errors. Operator makes corrections before proceeding.
DO NOT SKIP THIS STEP. A misspelled name means a card that does not match other ID documents.
Operator
Consent Form Signature
Enrollee signs (or thumbprints if illiterate) the consent form. The consent form covers:
- Data privacy: What data is collected, how it is stored, who can access it
- Card terms: Card is cooperative property, must be returned if membership ends
- Wallet terms: Transaction fees, liability limits, dispute process
- Biometric consent: Explicit consent for fingerprint capture and storage
Consent form is bilingual: Kreyol (primary) + French (secondary). Available in both languages at every station.
Operator signs as witness. If enrollee is under 18, parent/guardian must co-sign.
Operator
Data Upload / Offline Storage
If internet available: Enrollment record (photo, fingerprint hashes, personal data) encrypted with AES-256 and uploaded to central SAKALA enrollment database via TLS 1.3. Operator sees green confirmation checkmark.
If offline: Record encrypted and stored locally on device. Operator sees orange "queued for sync" indicator. At end of day (or when connectivity restored), connect to internet and sync. Software will automatically upload all queued records. Verify all records synced (counter shows 0 pending).
NEVER leave unsynced records for more than 24 hours. If connectivity is consistently unavailable, physically transport device to a location with internet and sync there.
Tech Lead
Card Production
Central printing (default): Once enrollment data reaches central database, it enters the print queue. Print facility (Site 0 or partner facility) produces card within 48–72 hours. Card personalized with laser engraving (name, photo, card number). NFC chip programmed with payment applet, biometric template, wallet address, and membership data. Card placed in sealed envelope labeled with enrollee name and franchise site.
On-site printing (if printer available): Card produced immediately after enrollment. Enrollee can receive card same day. Quality check by operator before handoff.
Tech Lead Logistics
Card Delivery and Wallet Activation
Central printing path: Cards batched by franchise site and couriered to each site within 5 business days of enrollment. Youth notified via SMS when card is ready for pickup. Youth comes to franchise site, presents themselves, and receives card. Proceed to Section 5: Wallet Activation.
On-site printing path: Card handed to youth immediately after production and quality check. Wallet activation happens on the spot. Youth leaves with fully functional card.
Operator

ENROLLMENT RECEIPT: Every enrollee receives a receipt (printed or SMS) containing: (1) their enrollment reference number, (2) expected card delivery date, (3) franchise site for pickup, (4) SAKALA support phone number. This receipt is their proof of enrollment until the card arrives.

Common Problems and Solutions

Problem	Solution
Enrollee has no ID and cannot find 2 witnesses	Reschedule. Give enrollee a "witness request" card explaining what witnesses need to bring. Franchise site leader can help identify witnesses.
Fingerprint scanner not reading (dry/damaged fingers)	Apply light moisture to fingertip (breathe on finger or use damp cloth). If callused/scarred: try different finger (middle, then ring). Document exception.
Photo quality keeps failing	Check lighting (move to window, add LED panel). Check backdrop (wrinkles cause shadows). Clean camera lens. If outdoor: wait for cloud cover or move to shade.
Software crashes mid-enrollment	Restart software. If data was saved (check auto-save), resume from last saved point. If data lost, re-enroll from Step 3 (photo already captured can be reused from camera roll).
Power outage	Switch to UPS/power bank. You have 2–4 hours of battery. If extended outage: complete current enrollee, pause enrollment, secure equipment.
Enrollee is under 18 and parent is not present	Complete enrollment BUT hold the consent form. Enrollee takes a copy home for parent signature. Card not produced until signed consent form returned.

04 Data Security Protocol

Encryption · Access · Consent · Breach Response

CARDINAL RULE: Raw fingerprint images NEVER leave the enrollment device. Only encrypted hashes are transmitted and stored. If anyone asks you to export, email, or copy fingerprint images... the answer is NO. No exceptions. No "just this once." NO.

Data Classification

Data Type	Classification	Encryption	Storage Location
Raw fingerprint images	CRITICAL — Never transmitted	AES-256 (at capture)	Enrollment device ONLY. Deleted after hash extraction.
Fingerprint hashes (templates)	SENSITIVE	AES-256 (at rest + in transit)	Central database + card secure element
Photos	SENSITIVE	AES-256 (at rest), TLS (in transit)	Central database + card (laser-engraved)
Personal data (name, DOB, address, phone)	SENSITIVE	AES-256 (at rest), TLS (in transit)	Central database
Card number (PAN)	SENSITIVE	Tokenized for storage	Card network + SAKALA ledger (tokenized)
Wallet address (JAM-DEX)	INTERNAL	TLS (in transit)	BOJ system + card chip
Cooperative membership ID	INTERNAL	Standard	SAKALA membership database
Transaction records	INTERNAL	TLS + encrypted at rest	Payment processor + SAKALA trust ledger

Encryption Standards

Layer	Standard	Implementation
At capture (biometric)	AES-256-GCM	Fingerprint hashed using SHA-256 with salt immediately upon capture. Raw image encrypted in memory, deleted after hash extraction. Hash encrypted with AES-256 for storage.
In transit	TLS 1.3	All data transmissions between enrollment device and central server use TLS 1.3 with certificate pinning. No fallback to TLS 1.2.
At rest (database)	AES-256-GCM	All sensitive fields encrypted at the column level. Database-level encryption as secondary layer. Encryption keys stored in hardware security module (HSM) or, initially, in a separate key management service.
On card (secure element)	EAL5+ certified chip	Biometric template and payment credentials stored in tamper-resistant secure element. Physical extraction triggers chip destruction.

Access Control Matrix

Role	Personal Data	Biometric Hashes	Photos	Wallet/Financial	Transaction History
SAKALA Data Administrator (Wesley / designated successor)	Full access	Full access	Full access	View only	View only
Enrollment Operator	During enrollment only	No access (captured, not viewed)	During enrollment only	No access	No access
NIRA Verification System	Read-only (name, DOB, photo)	Match request only (sends hash, gets yes/no)	Read-only	No access	No access
BOJ Wallet System	No access	No access	No access	Full (wallet address, balance)	Full
Card Network (Visa/MC)	Tokenized only	No access	No access	PAN token only	Transaction processing
Finance Lead	Names only (for payroll)	No access	No access	Full (payroll)	Aggregate only
Franchise Site Leader	Name + membership status only	No access	No access	No access	No access

Consent Framework

What Every Enrollee Signs

The consent form (bilingual: Kreyol + French) covers the following, in plain language:

What we collect: Your name, date of birth, address, phone, photo, and fingerprints.
Why we collect it: To create your SAKALA cooperative ID and payment card.
Who sees it: SAKALA administrators (for card production and membership), Jamaica's NIRA (for identity verification), Bank of Jamaica (wallet address only for payments). Nobody else.
What we do NOT do: We never sell your data. We never share your fingerprint images with anyone. We never give your personal information to police, immigration, or any government agency without a court order.
How long we keep it: For the life of your card (10 years). You can request deletion at any time by surrendering your card.
Your rights: You can see what data we have about you. You can correct errors. You can delete your data (with card surrender). You can withdraw consent at any time.

Data Retention Policy

Data	Retention Period	Deletion Trigger
Raw fingerprint images	Zero (deleted at capture)	Immediate after hash extraction
Biometric hashes	Card validity period (10 years)	Card expiry, surrender, or enrollee deletion request
Personal data	Card validity + 1 year	1 year after card expiry or surrender
Transaction records	7 years (regulatory requirement)	7 years from transaction date
Enrollment consent forms (physical)	Card validity + 3 years	Scanned, stored digitally, physical destroyed after 3 years

Breach Response Protocol

IF DATA IS COMPROMISED — EXECUTE THIS SEQUENCE:

Step	Action	Timeline	Owner
1	Detect and Contain. Identify what data was exposed. Isolate affected systems. Change all access credentials immediately. Disconnect compromised devices from network.	Within 1 hour of detection	Tech Lead
2	Assess Scope. How many records affected? What data types? Was biometric data involved? Was financial data involved?	Within 6 hours	Tech Lead Admin
3	Notify Leadership. Inform Wesley (Data Administrator) and SAKALA cooperative board. Decision on public notification timeline.	Within 12 hours	Admin
4	Notify Affected Individuals. SMS and in-person notification at franchise sites. Plain-language explanation of what happened, what data was exposed, what they should do.	Within 72 hours	Admin Ops
5	Notify Regulators. BOJ (if financial data), NIRA (if identity data). Written notification with scope, timeline, and remediation plan.	Within 72 hours	Admin
6	Remediate. Issue replacement cards for affected enrollees. Rotate encryption keys. Patch vulnerability. Update security protocols.	Within 14 days	Tech Lead
7	Post-Mortem. Document what happened, why, and what changes prevent recurrence. Share findings with team.	Within 30 days	Admin

05 Wallet Activation Guide

6 Steps · 5–10 min per activation

Activation Flow

Receive Card

→

Download App / Dial USSD

→

Link Card

→

Set PIN

→

Test Payment

→

Active

Youth Receives Physical Card at Franchise Site
Card is in sealed envelope with enrollee's name. Operator verifies identity (visual match to photo on card). Enrollee signs card receipt log. Operator removes card from envelope and hands to enrollee. Enrollee inspects card: name correct? Photo looks right? Any visible damage?
If any issue: Do not activate. Document the problem. Issue a replacement request.
Download Wallet App or Dial USSD Code
Smartphone users: Download "SAKALA Wallet" app from Google Play Store (Android) or App Store (iOS). If JAM-DEX integration is live, the BOJ's official JAM-DEX wallet app works too. App size: under 20MB. Works on Android 8+ and iOS 14+.
Feature phone users (no smartphone): Dial USSD code *555# (or carrier-specific code TBD). USSD menu walks through activation in Kreyol. No internet required... works on any phone with cellular service.
No phone at all: Activation can be completed at the enrollment station by the operator on the enrollee's behalf. Enrollee will receive SMS notifications on any phone number provided (can be a family member's phone).
Link Card to Wallet
Open app (or USSD menu). Select "Activate New Card." Enter:
- Card number: 16-digit number on front of card
- Date of birth: DD/MM/YYYY (must match enrollment record)
System verifies the card number exists and DOB matches. If match: proceed. If no match: retry (check for typos). After 3 failed attempts, card is locked for 1 hour (anti-fraud measure).
Set 4-Digit PIN
Enrollee chooses a 4-digit PIN. This PIN is used for:
- Card transactions (chip-and-PIN payments)
- Wallet app login
- Cash-out at MonCash agents
PIN rules: Cannot be 0000, 1111, 1234, or enrollee's birth year. System rejects these automatically.
Operator guidance: Tell the enrollee to choose a number they will remember but that others cannot guess. NEVER look at or ask for their PIN. If they forget it, there is a reset process (Section 7, troubleshooting).

Wallet Activated — Ready to Use
Wallet is now active. Enrollee can:

Action	How	Where
Receive payroll	Automatic deposit from SAKALA trust	Wallet balance
Pay at merchants	Tap card (NFC) or insert + PIN	Any franchise merchant location with POS terminal
Cash-out	Present card + PIN at MonCash agent	Any MonCash agent location
Transfer to family	Enter recipient phone number + amount in app/USSD	Any SAKALA wallet or MonCash number
Check balance	App home screen or USSD 5551#	Anytime
View transactions	App transaction history or USSD 5552#	Anytime

Test Payment: 100 HTG from SAKALA Trust
Immediately after activation, the SAKALA trust sends a test payment of 100 HTG to the enrollee's wallet. This serves three purposes:
- Verification: Confirms the wallet is working end-to-end
- Training: Enrollee sees their first notification, checks their balance, learns the interface
- Welcome: A small but real gesture that the card has tangible value from minute one
Operator confirms with enrollee: "Check your balance. Do you see 100 HTG?" If yes: activation complete. If no: troubleshoot (check phone number, check app version, check network connectivity). Escalate to Tech Lead if unresolved in 10 minutes.

Wallet Activation Troubleshooting

Problem	Solution
Card number not recognized	Check for typos (especially 0 vs O, 1 vs l). Try re-entering. If still fails: card may not be in system yet (central printing delay). Wait 24 hours and retry.
DOB mismatch	Enrollee may have given a different DOB at enrollment. Check enrollment receipt. If enrollment DOB is wrong: submit correction request to Data Admin. Do not proceed with wrong DOB.
Card locked after 3 failed attempts	Wait 1 hour. If enrollee cannot remember details, bring to enrollment station for identity re-verification and manual unlock.
Test payment not received	Check: (1) Is wallet truly activated? (2) Is phone number correct in system? (3) Is there network connectivity? Manual re-send from trust dashboard. If still fails: escalate to Tech Lead.
Enrollee forgot PIN immediately	PIN reset: enrollee goes to enrollment station, verifies identity (fingerprint on scanner or visual match), operator initiates PIN reset in system, enrollee sets new PIN.
App won't install (phone too old)	Switch to USSD activation. All wallet functions available via USSD codes. No app needed.

06 Payroll Integration

Trust → Wallet · Monthly Cycle

Payroll Flow

Finance Lead

→

CSV Upload

→

Trust Dashboard

→

Verify Funds (USDC)

→

Bulk Payment

→

25 Wallets

→

SMS Notification

Step-by-Step Payroll Process

Step	Action	Owner	Details
1	Prepare Payroll CSV	Finance Lead	CSV format: `wallet_id, name, amount_htg, pay_type, period`. One row per youth. Pay types: `STIPEND` (monthly salary) or `PROFIT_SHARE` (quarterly distribution). Period: `2026-04` format.
2	Upload to Trust Dashboard	Finance Lead	Log into SAKALA Trust Dashboard. Navigate to Payroll > New Batch. Upload CSV. System validates: all wallet IDs exist, all amounts are positive, total does not exceed available balance.
3	Verify Funds Available	Finance Lead	Dashboard shows: Total payroll amount (HTG), equivalent USDC, current trust balance (USDC), remaining balance after payroll. DO NOT PROCEED if remaining balance would fall below 10% reserve.
4	Approve and Execute	Admin (Wesley)	Two-signature approval: Finance Lead initiates, Admin (Wesley) approves. Once approved, system executes bulk payment. USDC converts to HTG at market rate at time of execution. All 25 (or more) wallets credited simultaneously.
5	Notifications Sent	Automatic	Each youth receives SMS: "SAKALA: Ou resevwa [amount] HTG nan kont ou. Balans: [balance] HTG. Ref: [ref#]." App users also get push notification.
6	Reconciliation	Finance Lead	Within 24 hours of payroll: verify all payments landed (dashboard shows green checkmarks). If any payment failed (red X): investigate. Common cause: wallet not activated, wallet frozen. Re-send individual payment after resolution.

Monthly Payroll Schedule

Date	Payment Type	Description
1st of each month	STIPEND	Previous month's base stipend. Fixed amount per youth based on role and hours. Example: 5,000 HTG/month for full participation.
15th of each month	PROFIT_SHARE	Cooperative profit-sharing distribution. Variable based on franchise revenue. Calculated as: (site revenue - costs) x member share percentage. In early months this may be zero... that is OK. Transparency matters more than amount.

What Youth Can Do With Their Money

Action	Method	Fee	Limit
Spend at franchise merchants	Tap or insert card at POS	None	Wallet balance
Cash-out at MonCash agent	Present card + PIN	1.5% (MonCash standard)	25,000 HTG/day
Transfer to family member	App or USSD: enter phone + amount	None (SAKALA-to-SAKALA), 1% (to MonCash)	10,000 HTG/day
Save in wallet	Simply don't spend it	None	No max balance
Pay bills (future)	App: select biller + amount	Varies by biller	Per biller limits

Payroll CSV Template

payroll_2026_04.csv

wallet_id,name,amount_htg,pay_type,period
COOP-0001,DUVAL Jean-Pierre,5000,STIPEND,2026-04
COOP-0002,BAPTISTE Rose-Marie,5000,STIPEND,2026-04
COOP-0003,CHARLES Emmanuel,5000,STIPEND,2026-04
COOP-0004,JOSEPH Marie-Claire,5000,STIPEND,2026-04
COOP-0005,LOUIS Pierre-Paul,5000,STIPEND,2026-04
...
COOP-0025,SAINT-FLEUR Widline,5000,STIPEND,2026-04

MONTH 1 PAYROLL NOTE: The first real payroll will happen around Day 18 (once cards are activated and tested). Before that, the Day 10 test payment of 100 HTG serves as the proof-of-concept. Do not rush payroll before cards are activated and tested... a failed first payroll damages trust more than a delayed one.

07 Daily Operations — 30-Day Calendar

4 Weeks · Setup → Cards → Scale → Family

HOW TO READ THIS CALENDAR: Each day has a primary objective (bold) and supporting tasks. Days marked with gold are milestones... take a photo, document the moment. Days marked green are rest/review days. If you fall behind, do not skip steps... push the calendar forward. Quality over speed.

Week 1: SETUP Days 1–7 · Equipment, Training, First Enrollments

Day 1Mon

Receive and Test Enrollment Stations
Unbox all equipment (2 stations minimum). Inventory check: laptop, camera, fingerprint scanner, UPS, hotspot, backdrop, cables, case. Power on each device. Install enrollment software. Connect fingerprint scanner (driver install if needed). Test camera capture. Test fingerprint capture. Connect to internet and verify server sync. Document any DOA (dead-on-arrival) equipment and order replacements immediately.
End-of-day deliverable: 2 fully functional enrollment stations, software installed, tested, ready.

Day 2Tue

Train 4 Enrollment Staff
Full training day: Modules 1–5 from Section 8. 2 staff assigned per station. Morning: classroom (Modules 1–3, 6 hours with breaks). Afternoon: hands-on practice (Modules 4–5, 2 hours). Each trainee enrolls 3 practice subjects (enroll each other + 1 volunteer). Supervisor grades quality of photo, fingerprint, and data entry. Retrain anyone who does not pass quality check.
End-of-day deliverable: 4 certified enrollment operators.

Day 3Wed

Set Up 2 Pilot Stations at Cite Soleil HQ (Site 0)
Transport equipment to Site 0. Set up stations per layout diagram (Section 2). Test power (solar panel if outdoor, generator backup). Test internet (hotspot, verify signal strength). Set up photo backdrop. Arrange waiting area (chairs, consent forms). Print 50 consent forms (Kreyol + French). Brief Site 0 franchise leader on enrollment schedule for Days 4–5. Notify first 25 youth: enrollment starts tomorrow, bring CIN or arrange 2 witnesses.
End-of-day deliverable: 2 stations operational at Site 0. Youth notified.

Day 4Thu

Enroll First 12–13 Youth (Batch 1 of 2)
First live enrollments. Go slow. Quality over speed. Supervisor present at both stations for the entire day. Target: 6–7 enrollments per station. After each enrollment: review data quality (photo sharpness, fingerprint NFIQ score, data completeness). Log every issue encountered (this is your bug list for the process). End of day: sync all records to central database. Verify all 12–13 records appear in dashboard.
End-of-day deliverable: 12–13 youth enrolled. Issue log started.

Day 5Fri

Enroll Remaining 12–13 Youth (Batch 2 of 2)
Complete enrollment for all 25 Site 0 youth. Apply lessons from Day 4 (check issue log, brief operators on fixes). If any Day 4 enrollments had quality issues, re-capture those specific items (re-photo, re-fingerprint). End of day: all 25 records in central database. Run data quality report: any missing fields? Any low-quality biometrics? Fix before submitting to print queue.
End-of-day deliverable: 25 youth enrolled. All data quality checks passed.

Day 6Sat

First Card Batch Sent to Production
Submit all 25 enrollment records to card production queue. If central printing: transmit encrypted data to print partner. Confirm receipt and estimated delivery date (target: 48–72 hours). If on-site printing: begin printing (approx 5–8 minutes per card). Quality check each printed card: photo visible, name correct, chip responsive (tap test), magnetic stripe encoded.
End-of-day deliverable: 25 cards in production pipeline (or printed and quality-checked).

Day 7Sun

Rest and Review
No enrollment. Review Week 1 issue log. Compile metrics: enrollments completed, average time per enrollment, quality scores, equipment issues, process bottlenecks. Draft brief for Week 2 adjustments. Charge all equipment. Restock consent forms.

Week 2: FIRST CARDS + ACTIVATION Days 8–14 · Distribution, Wallets, First Payments

Day 8Mon

Cards Arrive (Central Print) or Final QC (On-Site Print)
Receive shipment of 25 cards. Unbox and inventory: match each card to enrollment record. Verify: name, photo, card number. Test 3 cards randomly: NFC tap responds, chip reads in test terminal, magnetic stripe reads. If any card is defective: flag for reprint. Sort cards by enrollee name. Place each in individual envelope labeled with name and COOP ID. Notify all 25 youth: cards ready for pickup tomorrow.
End-of-day deliverable: 25 cards verified, enveloped, sorted. Youth notified.

Day 9Tue

CARD DISTRIBUTION CEREMONY at Site 0
This is a milestone moment. Make it feel like one. Set up distribution table. Each youth comes forward, receives card from franchise leader (not just tossed across a table). Photo opportunity. After receiving card: youth sits with activation guide (operator or trained volunteer) and walks through wallet activation (Section 5, Steps 2–5). Every youth leaves with: (a) physical card in hand, (b) wallet app installed or USSD activated, (c) PIN set, (d) understanding of how to check balance and make payments.
Budget 20–30 minutes per youth (activation takes longer than enrollment because it involves their phone).
End-of-day deliverable: 25 cards distributed. 25 wallets activated. Photos of ceremony.

Day 10Wed

TEST PAYROLL: Send 100 HTG to All 25 Wallets
Finance Lead uploads test payroll CSV (25 rows, 100 HTG each, pay_type: TEST). Admin approves. Bulk payment executes. Monitor dashboard: all 25 payments should clear within minutes. Contact 5 youth directly: "Check your wallet. Do you see 100 HTG?" If all 25 payments land: the system works end-to-end. Celebrate internally. If any fail: troubleshoot immediately (see Section 5 troubleshooting).
End-of-day deliverable: 25/25 test payments confirmed received. System validated.

Day 11Thu

First Real Transactions
Youth uses card for actual purchase at franchise market stand or cash-out at MonCash agent. Operator accompanies first 3–5 youth through their first transaction (coaching, not doing it for them). Document: transaction type, success/failure, time to complete, any confusion. If franchise merchant POS terminal not ready: focus on MonCash cash-out as first transaction type. The goal is that every youth has made at least one real transaction by end of day.
End-of-day deliverable: First real transactions completed. Transaction log started.

Day 12Fri

Deploy Station to 2nd Franchise Site
Transport 1 enrollment station to Site 1. Set up per station layout. Test equipment and connectivity. Brief Site 1 franchise leader. Notify Site 1 youth: enrollment begins tomorrow or Monday. Continue supporting Site 0 youth with any card/wallet questions (keep 1 station at Site 0 as help desk).
End-of-day deliverable: Station 3 operational at Site 1. Site 0 support active.

Day 13Sat

Begin Enrollment at Site 1
Target: 10–15 enrollments (depending on site size). Apply all lessons from Site 0. Operators should be noticeably faster and smoother than Day 4. Sync records at end of day. Submit to print queue if batch is large enough (10+ records).
End-of-day deliverable: 10–15 new enrollments at Site 1.

Day 14Sun

Rest and Review
Week 2 metrics: cards distributed, wallets activated, test payments confirmed, first real transactions, Site 1 enrollment progress. Compare Day 4 vs Day 13 enrollment speed (should be 30–50% faster). Update issue log. Plan Week 3 deployment to Sites 2–4.

Week 3: SCALE Days 15–21 · Multi-Site, First Payroll, Troubleshooting

Day 15Mon

Deploy Stations to Sites 2 and 3
2 additional stations deployed. Site 1 enrollment continues (finish remaining youth). Now 4 stations active across 4 sites (or 3 sites with 2 stations at larger sites). Begin enrollment at Sites 2 and 3. Cards from Site 1 batch should be in production by now.
End-of-day deliverable: 4 active enrollment stations. Sites 2–3 enrollment started.

Day 16Tue

Continue Multi-Site Enrollment
Target: 30–40 enrollments across all active sites today. Operators working independently (supervisor visits each site once, not stationed). Sync all records at end of day. Running total should be approaching 75–80 enrollments.

Day 17Wed

Site 1 Card Distribution + Continue Enrollment
Cards from Site 1 batch arrive (or are printed). Distribute and activate at Site 1 (same process as Day 9, but faster now). Continue enrollment at Sites 2–3. Deploy a 5th station to Site 4 if equipment available.
End-of-day deliverable: Site 1 cards distributed and activated. Running enrollment total: 80+.

Day 18Thu

FIRST FULL PAYROLL CYCLE
All enrolled and activated youth receive their first stipend via card. Finance Lead uploads full payroll CSV (all activated wallets). Admin approves. Bulk payment executes. This is the real deal... not 100 HTG test money, but actual stipend. Monitor: all payments land, all notifications sent, no errors. Follow up with 10 youth across multiple sites: "Did you receive your payment?"
End-of-day deliverable: First stipend paid to all activated youth. Payment confirmation from multiple sites.

Day 19Mon

Troubleshooting Day
Dedicated to fixing accumulated issues: failed activations (walk youth through again), lost PINs (identity verification + reset), connectivity problems (test alternate hotspot locations, consider signal booster), card defects (submit reprints), data corrections (misspelled names, wrong DOB). Operator at each active site available for walk-in support. Tech Lead on call.
End-of-day deliverable: Issue log reduced by 80%+.

Day 20Sat

Continue Enrollment + Card Distribution at Sites 2–3
Sites 2–3 cards should be arriving. Distribute and activate. Continue enrollment at Sites 4–5 if stations available. Running total target: 100+ youth enrolled.
End-of-day deliverable: 100+ youth enrolled milestone.

Day 21Sun

Rest and Review
Week 3 metrics: total enrolled, total cards distributed, total wallets activated, total transactions, payroll success rate, issues resolved. You should be past 100 enrolled youth. If not: identify bottleneck (equipment? staffing? site access? youth turnout?) and plan fix for Week 4.

Week 4: FAMILY ENROLLMENT BEGINS Days 22–30 · Expansion, Family Cards, Month-End Report

Day 22Mon

Launch Family Enrollment at Site 0
Open enrollment to youth family members: parents, siblings, extended family. Site 0 youth act as ambassadors... they bring their families. Same enrollment process (Section 3), but family members do not need cooperative membership (card issued as "Community Member" tier, not "Cooperative Member"). Family wallets can receive transfers from youth but are not on payroll. Target: 10–15 family enrollments on Day 1 of family program.
End-of-day deliverable: Family enrollment launched. First 10–15 family members enrolled.

Day 23Tue

Continue Family Enrollment + Deploy to Remaining Sites
Family enrollment continues at Site 0. Deploy stations to Sites 5–7 (youth enrollment). Now operating at scale: 6–8 stations active simultaneously. Operators fully independent. Supervisor role shifts from quality control to logistics coordination (equipment transport, consent form supply, card shipment tracking).

Day 24Wed

Multi-Site Family + Youth Enrollment
Offer family enrollment at Sites 1–3 (where youth have had cards for 1–2 weeks). Youth enrollment continues at remaining sites. Target: 20–30 enrollments per day across all stations.

Day 25Thu

Continue All Enrollment Streams
By now the operation should feel routine. Operators handling enrollment without supervision. Cards flowing through production pipeline with 48–72 hour turnaround. Activations happening at each site as cards arrive. Troubleshooting handled at site level (only escalations reach Tech Lead). Running total target: 150+ enrolled (youth + family).

Day 26Fri

Deploy Stations to Sites 8–10
Final franchise sites receive enrollment stations. All 10 sites now have (or have had) enrollment capability. Family enrollment expanding at all early sites. Card distribution and activation happening in parallel at multiple sites daily.

Day 27Sat

Continue Enrollment + Begin Monthly Report
Enrollment continues. Finance Lead begins compiling Month 1 data for the monthly report. Data points to collect: total enrolled (youth vs family), total cards produced, total cards distributed, total wallets activated, total transactions (count + value), payroll batches (count + total disbursed), issues log summary.

Day 28Sun

Rest
No operations. Charge equipment. Restock supplies.

Day 29Mon

MONTHLY REPORT
Compile and publish Month 1 Operations Report. Contents:

Metric	Target	Actual
Total youth enrolled	100+	[___]
Total family members enrolled	50+	[___]
Total cards produced	150+	[___]
Total cards distributed	120+	[___]
Total wallets activated	120+	[___]
Total transactions (count)	200+	[___]
Total transactions (HTG value)	Varies	[___]
Payroll batches completed	2 (test + first real)	[___]
Total payroll disbursed (HTG)	Varies	[___]
Issues logged	—	[___]
Issues resolved	90%+	[___]
Enrollment stations active	10	[___]

Share report with cooperative board, NIRA liaison, BOJ liaison, and franchise site leaders.
End-of-day deliverable: Month 1 Report published and distributed.

Day 30Tue

MONTH 1 REVIEW MEETING — Plan Month 2
All-hands meeting (in-person or hybrid). Agenda:

Review Month 1 metrics (report from Day 29)
Top 3 wins (what worked well, replicate)
Top 3 problems (what broke, how to fix)
Operator feedback (what makes their job harder? what tools/supplies do they need?)
Youth feedback (card working? wallet easy to use? payroll on time?)
Month 2 plan: Scale family enrollment, add merchant POS terminals, second payroll cycle, begin youth-as-enrollers training (youth train to run enrollment stations themselves)

End-of-day deliverable: Month 2 plan approved. Responsibilities assigned. Deadlines set.

08 Training Curriculum for Enrollment Staff

5 Modules · 8 Hours Total · Assessment

TRAINING SCHEDULE: All 5 modules delivered in 1 day (Day 2 of operations). Modules 1–3 in the morning (classroom + demo). Modules 4–5 in the afternoon (hands-on). Assessment at end of day. Nobody deploys to a live enrollment station without passing assessment.

Trainee Prerequisites

Literate in Kreyol (reading and writing)
Basic computer literacy (can type, use a mouse/touchpad, navigate menus)
Trusted by the community (will be handling personal data and biometrics)
Reliable (will show up every day, on time, for the full enrollment period)

Module 1 — Card System Overview: What It Is, Why It Matters, Who It Serves 2 Hours

Learning Objectives

Explain what the SAKALA ID + Payment Card is and how it differs from a regular bank card
Articulate why cooperative identity matters (financial inclusion, dignity, ownership)
Name the 3 systems that interact: SAKALA (membership), NIRA (identity), BOJ (payments)

Content

What is this card? It is both an identity document AND a payment card. One card, two functions. Like a national ID that can also buy groceries.
Why does it matter? Many youth have no formal ID. No ID means: no bank account, no formal employment, no vote, no proof of who you are. This card gives them a verified identity AND a wallet to receive money digitally.
Who is it for? First: SAKALA cooperative youth members (25 at Site 0, then expanding). Then: their families. Then: community members at franchise sites.
How does it work? [Simplified diagram]: Youth enrolls (photo + fingerprint + data) → Card produced → Card delivered → Wallet activated → Youth receives payroll and makes payments.
Your role: You are the front door. Every card starts with you enrolling someone correctly. Bad enrollment = bad card = broken trust. Good enrollment = good card = a youth who just got access to the financial system for the first time.

Activity (30 min)

Each trainee answers: "If your cousin asked you what your new job is, how would you explain it in 30 seconds?" Practice out loud. Group gives feedback. Repeat until everyone can explain it clearly.

Module 2 — Equipment Operation: Camera, Scanner, Software, Troubleshooting 2 Hours

Learning Objectives

Set up an enrollment station from a packed case to operational in under 15 minutes
Operate the camera, fingerprint scanner, and enrollment software
Troubleshoot the 5 most common equipment problems

Content

Station setup: Unpack case. Connect laptop to power (UPS first, then wall/solar). Connect USB camera. Connect USB fingerprint scanner. Connect hotspot (power on, wait for signal). Open enrollment software. Log in. Verify all devices detected (green indicators in software).
Camera operation: Position subject 3 feet from camera. Frame: face fills 70–80% of frame height. Focus: autofocus, wait for sharp indicator. Lighting: face evenly lit, no harsh shadows. Take 2–3 shots. Select best. Software quality check: green = good, yellow = marginal (retake), red = reject (fix issue and retake).
Fingerprint scanner: Clean surface with alcohol wipe. Subject places index finger flat (pad centered on sensor). Hold 3 seconds. Software shows capture quality (NFIQ 1–5, need 3+). If poor: clean finger, reposition, retry. Wet fingers: dry with tissue. Dry fingers: light moisture (breathe on fingertip).
Software walkthrough: Live demo of full enrollment flow in software. Each screen, each field, each button. Where to click, what to type, what to select from dropdowns.

Troubleshooting Quick Reference

Problem	First Try	Second Try	Escalate If
Camera not detected	Unplug USB, replug	Restart laptop	Still not detected after restart
Scanner not detected	Unplug USB, replug	Try different USB port	Still not detected; check driver install
Software won't start	Restart laptop	Re-install software from USB drive	Still crashes after re-install
No internet	Check hotspot (is it on? has signal?)	Switch to offline mode	If offline mode also fails
Power out	Switch to UPS/battery	Pause enrollment	If UPS < 30 min remaining

Activity (30 min)

Each trainee sets up a station from packed case. Timed. Target: under 15 minutes. Then: trainer deliberately causes 3 problems (unplug camera, disconnect hotspot, close software). Trainee troubleshoots each. Pass: resolves all 3 within 5 minutes total.

Module 3 — Enrollment Process: Step-by-Step with Practice 2 Hours

Learning Objectives

Complete a full enrollment (Steps 1–10 from Section 3) in under 20 minutes
Handle identity verification (both CIN and witness paths)
Achieve photo and fingerprint quality standards on first attempt

Content

Live demo: Trainer enrolls a volunteer from start to finish. Trainees observe. Trainer narrates every decision ("I'm checking the photo quality indicator... it's yellow, so I'll retake with better lighting...").
Step-by-step walkthrough: Go through Section 3 line by line. Highlight: identity verification (when to use Option A vs B), photo requirements (common mistakes: shadows, too far, too close), fingerprint technique (flat placement, 3-second hold), data entry (spelling, date format, required vs optional fields), consent form (what to explain in Kreyol, where enrollee signs).
Common mistakes to avoid:
- Rushing through identity verification (this is the legal foundation... do it properly)
- Accepting a marginal photo ("good enough" is not good enough... this photo will be on their card for 10 years)
- Not reading back all fields to enrollee (they catch errors you don't)
- Skipping the consent form explanation ("just sign here" is not informed consent)

Activity (45 min)

Pair up. Each trainee enrolls their partner, then switches. Trainer observes and scores: identity check (pass/fail), photo quality (1–5), fingerprint quality (NFIQ score), data completeness (all required fields), consent process (explanation + signature), total time. Debrief: each pair shares what went well and what was hard. Group discusses.

Module 4 — Data Security: What to Protect, What NOT to Do 1 Hour

Learning Objectives

Explain what data is sensitive and why
List 5 things you must NEVER do with enrollee data
Describe the consent form to an enrollee in Kreyol

Content

What is sensitive? Fingerprints, photos, names + DOB + address (together), card numbers. Think of it this way: if someone stole this data, could they pretend to be the enrollee? If yes, it is sensitive.
The 5 NEVERS:
1. NEVER copy enrollee data to a USB drive, personal phone, or email
2. NEVER let anyone photograph the enrollment screen (especially during fingerprint capture)
3. NEVER share your login credentials with anyone (not even another operator)
4. NEVER leave the enrollment laptop unlocked and unattended
5. NEVER discuss one enrollee's data with another enrollee (or anyone not on the team)
Consent form practice: Trainer reads through the consent form in Kreyol. Then each trainee practices explaining it to a "simulated enrollee" (another trainee who asks questions like "Who sees my fingerprints?" and "What if I want to delete my data?").

Activity (20 min)

Scenario quiz. Trainer presents 5 situations. Trainee says whether it is OK or NOT OK, and why:
(1) "A youth's mother calls and asks for her son's enrollment data." [NOT OK... verify identity in person first]
(2) "The franchise leader asks to see the enrollment database." [NOT OK... they only get name + membership status]
(3) "Your phone battery is dead so you take a photo with a coworker's phone." [NOT OK... only the enrollment camera, never personal devices]
(4) "A youth wants to see what data you have about them." [OK... it's their right, show them on screen]
(5) "A police officer asks for an enrollee's fingerprint." [NOT OK without a court order... escalate to Admin immediately]

Module 5 — Wallet Activation: Guiding Youth Through Setup 1 Hour

Learning Objectives

Walk a youth through wallet activation (Section 5) in under 10 minutes
Troubleshoot the 3 most common activation problems
Explain wallet features in simple Kreyol

Content

Activation walkthrough: Trainer demonstrates full activation on a test card with a test phone. Narrates each step. Points out where youth commonly get confused (entering card number correctly, choosing a PIN they will remember, understanding what the test payment means).
Smartphone path vs USSD path: Demonstrate both. Operators must be comfortable with BOTH because you do not know which phone type the youth will have.
Feature explanation script (Kreyol):
- "Kat sa a se kle ou... li ouvri pou ou yon kont ki pou ou." (This card is your key... it opens an account that belongs to you.)
- "Chak mwa, lajan w ap rive direkteman nan kont ou." (Every month, your money will arrive directly in your account.)
- "Ou ka achte, voye lajan bay fanmi ou, oswa kenbe li." (You can buy things, send money to your family, or save it.)
Common problems: Card number typo (most common), phone too old for app (switch to USSD), no phone at all (operator assists at station), forgot PIN immediately (reset process).

Activity (20 min)

Each trainee activates a test wallet on their own phone (app or USSD). Then: each trainee guides another trainee through activation as if that trainee were a youth who has never used a smartphone. Trainer observes: patience, clarity of instructions, ability to troubleshoot. Trainee must complete 3 activations to pass.

Final Assessment

Certification Criteria

Each trainee must demonstrate ALL of the following to be certified as an Enrollment Operator:

Criterion	Standard	Pass/Fail
Station setup from packed case	Under 15 minutes, all devices operational	☐
Full enrollment (practice subject #1)	Under 25 minutes, all quality checks passed	☐
Full enrollment (practice subject #2)	Under 20 minutes, all quality checks passed	☐
Full enrollment (practice subject #3)	Under 20 minutes, all quality checks passed	☐
Photo quality (all 3 subjects)	All photos pass software quality check on first or second attempt	☐
Fingerprint quality (all 3 subjects)	All fingerprints NFIQ 3+ on first or second attempt	☐
Data security quiz	5/5 correct on scenario quiz	☐
Consent form explanation	Can explain all key points in Kreyol without reading from script	☐
Wallet activation (3 practice activations)	All 3 completed, can troubleshoot at least 2 common problems	☐
Troubleshooting (equipment)	Resolves 3 simulated problems in under 5 minutes total	☐

Pass: All 10 criteria met. Trainee receives Enrollment Operator certification and is assigned to a station.
Fail: Any criterion not met. Trainee receives targeted re-training on failed criterion(s) and re-tests within 24 hours. If still fails: reassign to a support role (not enrollment operator).

Appendix: Quick Reference Cards

Print these and laminate. One at every station.

ENROLLMENT CHECKLIST (Post at Every Station)

Identity verified CIN recorded OR 2 witnesses signed
Photo captured Front-facing, neutral, white background, quality check passed
Fingerprints captured Both index fingers, NFIQ 3+
All data fields entered Name, DOB, gender, address, phone, emergency contact, franchise site
Data read back to enrollee All fields confirmed verbally
Consent form signed Enrollee (+ guardian if under 18) signed/thumbprinted
Data uploaded or queued Green checkmark (uploaded) or orange (queued for sync)
Receipt given to enrollee Enrollment reference #, pickup date, site, support number

WALLET ACTIVATION CHECKLIST (Post at Every Station)

Card inspected Name correct, photo matches, no damage
Receipt signed Enrollee signed card receipt log
App installed or USSD dialed Smartphone: SAKALA Wallet app. Feature phone: *555#
Card linked Card number + DOB entered, system confirmed
PIN set 4 digits, not 0000/1111/1234/birth year
Test payment received 100 HTG visible in wallet balance
Youth can check balance Demonstrated on their own device

Emergency Contacts

Role	Name	Phone	When to Call
Data Administrator	Wesley Bertil	[TBD]	Data breach, security incident, access issues
Tech Lead	[TBD]	[TBD]	Equipment failure, software crash, sync failure
Finance Lead	[TBD]	[TBD]	Payroll issues, wallet funding, transaction disputes
Logistics Lead	[TBD]	[TBD]	Equipment transport, supply restocking, site setup
NIRA Liaison	[TBD]	[TBD]	Identity verification system issues
BOJ Liaison	[TBD]	[TBD]	JAM-DEX wallet system issues

ID + Payment CardMonth 1 Operations Playbook

Table of Contents

Physical Card Specifications

Card Face Design

Front Face Elements

Back Face Elements

Chip Data Architecture

Dual Interface Operation

Branding Specifications

Equipment Per Station

Station Count and Deployment

Site Requirements

Station Layout

Common Problems and Solutions

Data Classification

Encryption Standards

Access Control Matrix

Consent Framework

What Every Enrollee Signs

Data Retention Policy

Breach Response Protocol

Activation Flow

Wallet Activation Troubleshooting

Payroll Flow

Step-by-Step Payroll Process

Monthly Payroll Schedule

What Youth Can Do With Their Money

Payroll CSV Template

payroll_2026_04.csv

Trainee Prerequisites

Learning Objectives

Content

Activity (30 min)

Learning Objectives

Content

Troubleshooting Quick Reference

Activity (30 min)

Learning Objectives

Content

Activity (45 min)

Learning Objectives

Content

Activity (20 min)

Learning Objectives

Content

Activity (20 min)

Final Assessment

Certification Criteria

Appendix: Quick Reference Cards

Emergency Contacts

ID + Payment Card
Month 1 Operations Playbook