DHULFIKAR

Cost transparency

PEOPLE FIRST — costs are also a question of inclusion

A price can be transparently published and still have an unfair effect. DHULFIKAR therefore intends to examine not only the evidence behind a fee but also who bears its greatest relative burden.

  • No poverty premium just because someone has few alternatives.
  • No hidden minimum-balance fees, failed-payment fees or recovery fees that disproportionately affect people with low balances without clear justification.
  • Local affordability must be evaluated separately from the nominal price.
  • Free or sponsored basic access may be considered where sustainable and legally appropriate.

PEOPLE FIRST · Worldwide · People without bank accounts · Women · Families

03 · COSTS

Costs are evidence. Not atmosphere.

An amount is published only when an official source, quotation, invoice or other verifiable source supports it. Statutory levies, supervisory costs, provider costs, audits and internal implementation remain separate columns.

5separate cost types
01

Known source values from the register.

No grand total until scope and applicability are evidenced.

Route Type Source status Value Claim boundary
C058 · Cloud Security Alliance Assurance / optional review Substantive response USD 595 for non-members
free for corporate members for the referenced Valid-AI-ted review		 This is not a Level 2 audit price and not a certification fee.
C136 · Central Bank of Jordan — JoRegBox Sandbox application Official material recorded No application fee Other implementation/compliance costs remain separate.
C159 · Central Bank of Cyprus PI/EMI pre-application Official published fees recorded €5,000 non-refundable Exploratory stage; no approval.
C159 · Central Bank of Cyprus PI/EMI formal application Official published fees recorded €10,000 Enhanced due diligence may cause additional costs; no amount inferred.
C123 · DAkkS Scheme evaluation Official cost principle recorded Amount not established Scheme evaluation can create applicant costs.
02

The five columns that are never merged.

A

Legal / regulatory

Application fees, supervisory levies and mandatory charges.

B

Commercial providers

KYC, AML, payments, cloud, identity, telecom, notifications and other suppliers.

C

Audit / certification

Independent conformity assessment, testing, certification and accreditation-related costs.

D

Membership / participation

Voluntary industry, standards or ecosystem costs.

E

Internal implementation

Engineering, legal, privacy, security, operations and evidence maintenance.