MoB3 → BUFM Parameter Bridge¶
Status: v0.1
Date: 11 July 2026
Parent Task: [M3.6] emob-models Alignment
Home Repo: emob-financial-models — authoritative source for BUFM parameters
Purpose: Map every MoB3 strategic concept to the BUFM financial parameters that operationalize it.
What This Document Is¶
The parameter bridge between MoB3 strategy and BUFM financial models. When a geographic output (Tanzania pricing, Nigeria whitepaper) needs to quantify a MoB3 concept, this document tells you which BUFM parameters to use.
Rule: MoB3 defines WHY. BUFM defines HOW MUCH. This bridge defines WHICH PARAMETERS.
1. How the Two Pillars Support MoB3¶
┌─────────────────────────────────────────────────────────────────┐
│ MoB3 STRATEGIC │
│ WHY: premises, frictions, platform matrix │
├─────────────────────────────────────────────────────────────────┤
│ │
│ ┌──────────────────────────┐ ┌──────────────────────────┐ │
│ │ emob-commercial-models │ │ emob-financial-models │ │
│ │ │ │ │ │
│ │ WHAT, HOW, BY WHOM │ │ HOW MUCH │ │
│ │ │ │ │ │
│ │ • Business processes │ │ • Profit pool metrics │ │
│ │ • Partner configurations │ │ • CapEx / OpEx / TCO │ │
│ │ • Market-specific models │ │ • Investor attractiveness │ │
│ │ • Channel design │ │ • Unit economics │ │
│ └──────────────────────────┘ └──────────────────────────┘ │
│ │
│ Combined, they answer: │
│ "Can this business model work in this market with these │
│ partners, and does each participant make enough money │
│ to attract investment?" │
└─────────────────────────────────────────────────────────────────┘
Commercial models define the business process: who does what, how products flow through channels, which partners are needed, what the operator experience looks like in a specific market.
Financial models define the money: what each participant invests, earns, and retains. The profit pool is the sum of all participant margins — this is what attracts investors.
A business model without financial metrics is a story. Financial metrics without a business model is a spreadsheet. MoB3 requires both.
2. F2A Solution Matrix → BUFM Parameters¶
Each cell in the MoB3 strategy matrix maps to specific BUFM parameters and commercial model configurations.
Friction A: ICoE — High Initial Cost¶
| Strategy Cell | BUFM Parameter(s) | Commercial Model |
|---|---|---|
| R1: Local assembly | Batt_FOB_Cost (BCS), Batt_Import_Tax (BCS), Batt_Shipping (BCS). Local assembly reduces landed cost by eliminating/reducing import duties and freight. |
Product taxonomy (emob-commercial): which components are locally assembled vs. imported. Channel design: assembly partner network. |
| R2: BaaS/CaaS | Swap_Price_Day (BCS), Swap_Price_Target (BCS). Battery separated from vehicle purchase reduces operator ICoE. |
Service bundle design: what's included in BaaS subscription. Partner revenue split. |
| R3: Solar home-charging | EPS_PV_COST_FOB (EPS), EPS_PV_INSTALL_COST (EPS). Solar CapEx amortized into PAYG structure. EPS_LCOE → near-zero marginal after CapEx. |
Energy bundle pricing (Bart's model): prepaid kWh packages. |
| Platform: RWA + PAYG | Bike_Cost (VRS), Batt_Total_CapEx (BCS), ICoE (composite). PAYG parameters: deposit %, daily installment, path-to-ownership months. |
PAYG contract design. On-chain credit scoring from vehicle usage data. |
Friction B: ATES — Access to e-Fuel Services¶
| Strategy Cell | BUFM Parameter(s) | Commercial Model |
|---|---|---|
| R1: Interoperable batteries | Batt_Capacity (BCS), Depth_Of_Discharge (BCS), Charge_Efficiency (BCS). Standardized parameters enable any network to serve any vehicle. |
Battery standards registry. Interoperability certification. |
| R2: Competitive swap networks | SNS_RACK_COST (SNS), SNS_BAYS_PER_STATION (SNS), SNS_BAY_UTILIZATION (SNS), SNS_STATION_COUNT (SNS). Multiple providers → market-set Swap_Price_Day via DS layer. |
Agent vs. OVES station design. Agent onboarding and revenue split template. |
| R2: Home-charging | EPS_LCOE (EPS) with operator-level solar. EPS_PEAK_SUN_HOURS determines viability per market. |
Home-charging kit as product SKU. Installation partner network. |
| Platform: DS marketplace | DS layer parameters: PRICE × AMOUNT + Utilization across all providers. |
Multi-provider marketplace governance. Pricing rules. |
Friction C: EPGD — Power Infrastructure¶
| Strategy Cell | BUFM Parameter(s) | Commercial Model |
|---|---|---|
| R3: In-situ solar generation | EPS_PV_COST_FOB (EPS), EPS_PV_INSTALL_COST (EPS), EPS_PEAK_SUN_HOURS (EPS), EPS_SYSTEM_DERATE (EPS). |
Solar installation partner network. Community microgrid design. |
| R3: C&I ESS + second-life batteries | EPS_BATTERY_EFFICIENCY (EPS), battery cycle life (BCS), Batt_Selloff_Ratio (BCS). Second-life residual value reduces ESS CapEx. |
Second-life battery certification. ESS marketplace. |
| R3: Wealth-generation | Not a financial parameter — a strategic outcome measured by: operator income increase (\(/day), community energy revenue (\)/month), local jobs created. | Community partnership models. Surplus energy sales contracts. |
| Platform: EPS coordination | Multi-source EPS_LCOE comparison. Carbon credit calculation: daily_energy × grid emission factor × carbon price. |
Carbon credit distribution smart contract. |
3. Profit Pool Structure — Who Makes What¶
The financial model answers: how does each participant make money, and is the total pool attractive to investors?
| Participant | Revenue Stream | BUFM Parameter | Margin Driver |
|---|---|---|---|
| Operator | Fare revenue − (energy cost + financing + maintenance) | VRS: Fuel_Price savings, Elec_Price_Rider, Swap_Cost_Day |
Daily savings vs. petrol ($3-5/day baseline) |
| Manufacturer/Assembler | Vehicle sales margin | Bike_Cost (VRS) − assembly cost |
Localization %, volume |
| Battery Operator | Swap subscription + energy margin | Swap_Price_Day × Swaps_Per_Day + (Elec_Sell_Price − Elec_Purchase_Cost) × daily_energy |
Utilization_Rate, battery longevity |
| Network Agent | Revenue share of swap fees | Agent commission % × Swap_Price_Day × swaps at station |
Station utilization, local demand density |
| Power Provider | Energy sales to network + surplus to community | EPS_LCOE vs. sell price spread |
Solar yield (EPS_PEAK_SUN_HOURS), storage efficiency |
| Platform (OVES) | Platform fee (% of transaction volume) + carbon credit share + RWA issuance fees | Platform fee %, carbon revenue share | Transaction volume, asset tokenization volume |
| Investor (RWA) | Tokenized asset yield | Asset revenue − OpEx − platform fee | Asset utilization, residual value, carbon credits |
Total Profit Pool Calculation¶
Total Profit Pool = Σ (Participant Revenue − Participant Cost) across all layers
This is the number that attracts infrastructure investors.
It must exceed the cost of capital for the pool to be sustainable.
MoB3 target: Total profit pool > 15% IRR on invested capital across all participants.
4. Market-Specific Parameterization¶
Each geographic output (M3.8-M3.11) applies the same BUFM structure with market-specific inputs:
| Market | Key Differentiating Parameters |
|---|---|
| Tanzania | Fuel_Price (TZS/L), Dist_Day (km), import duty structure (25% → 10% with assembly license), EPS_PEAK_SUN_HOURS (~5.5), agent station economics (40/60 split) |
| Nigeria | Fuel_Price (NGN/L — subsidized but volatile), population scale (200M+), Spiro battery recycling plant presence, AfCFTA implications |
| Kenya | Fuel_Price (KES/L), Competition Authority regulatory risk, Spiro backlash context, Ampersand presence, grid reliability (moderate) |
| Philippines | Fuel_Price (PHP/L), island geography (marine logistics for batteries), EPS_PEAK_SUN_HOURS (~4.5-5.5 varies by island), tricycle-dominant last-mile format |
5. Bridge Summary — Quick Reference¶
| MoB3 Concept | Commercial Model (WHAT, HOW, BY WHOM) | Financial Model (HOW MUCH) |
|---|---|---|
| ICoE reduction | Local assembly + BaaS + PAYG contract | Batt_Total_CapEx reduction, ICoE composite, PAYG parameters |
| ATES deployment | Agent station design + interoperable batteries + DS marketplace | SNS_RACK_COST, Swap_Price_Day, station utilization |
| EPGD solution | Solar installation network + community microgrid + second-life ESS | EPS_LCOE, EPS_PEAK_SUN_HOURS, battery residual value |
| Operator economics | PAYG ownership path + energy choice + resale market | VRS savings vs. petrol, TCO lifecycle |
| Investor returns | Tokenized RWA + profit pool transparency | Total profit pool / invested capital → IRR |
Related: [M3.1] MoB3 Framework, [M3.5] Breakthrough Strategy (F2A Solution Matrix).
Source repos:emob-financial-models/docs/models/*.md,emob-commercial-models/docs/.