i-Saves: rewards for those who serve & learn
A verified discount platform built for government staff and university students — one verification, a special eWallet, deals that apply themselves at the till, and a privacy-safe data engine that turns cohort demand into better campaigns for commerce platforms.
Public 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.
interface preview · design reference — i-Saves is in private beta, so these are rendered mockups, not captures of a shipped app
Three 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 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 a savings history before they ever enter the workforce.
For merchants
Access a large, creditworthy, verifiable audience without diluting 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
The 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 it 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.
- Verification, not surveillance. A pass/fail token proves you qualify. Your name, ID and history stop at the vault — the till only ever sees a yes.
- Every ringgit itemised. Discounts are explicit and auditable. You can see exactly what you saved, on what, and why — no hidden clauses.
- "pii": null, by schema. Aggregates are mathematically de-identified with k-anonymity floors and differential-privacy noise. It is not a promise; it is the output format.
- Consent is a switch, not a footnote. Members can inspect which aggregates exist about their cohort and opt out of contributing 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
}Population figures are public Malaysian statistics, cited to size the audience the platform is built to serve — not claims of i-Saves adoption. i-Saves is in private beta.
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.
Serve your country. Save like it counts.
i-Saves is in private beta with two ministries and three campus pilots. Join the waitlist for your segment — merchant and platform partners for the Aggregate Exchange are welcome now.