Last-mile delivery marketplace ยท Azerbaijan

Salik

An auction-based last-mile delivery marketplace. Merchants post a delivery and set the price in a live auction; independent couriers compete to accept. Money moves through an in-app wallet โ€” no cash to the platform.

3 cities
Baku ยท Absheron ยท Sumgayit (pilot)
154 entries
Ledger rows ยท 0.00 AZN drift
~94 merchants
Break-even (financial model)
Pilot stage
Core platform built; launch prep

The big idea

Restaurants, cafes, and shops already take their own orders (phone, Instagram, walk-in). What they lack is reliable, fairly-priced delivery without managing their own drivers or paying the heavy commissions of aggregators like Wolt, Bolt, or Yandex.

Salik is a neutral marketplace that only moves the goods. The merchant names a delivery price and couriers bid in a short 2โ€“3 minute auction โ€” the price is set by the market, not by us. The end customer never installs an app: they simply receive a message with a confirmation code and meet the courier.

Why it's different

๐ŸŽฏ Auction pricing

Merchants bid for courier attention. Transparent, market-set delivery prices instead of fixed aggregator tariffs.

๐Ÿ’ณ No commission on food

We sell prepaid delivery packages โ€” we don't take a cut of the merchant's food revenue.

๐Ÿ” Wallet & escrow

COD is escrowed digitally (blocked on the courier wallet at pickup, released on delivery). No physical cash to the platform.

๐Ÿ“ฉ Zero-app customer

Customers confirm with a code over WhatsApp/SMS โ€” no install, no friction, instant reach.

How one delivery works

Merchant posts & bidsโ†’ 2โ€“3 min auctionโ†’ Courier acceptsโ†’ Pickup code at merchantโ†’ Delivery code to customerโ†’ Wallet settlement

Current status & ask

Built and running today: the modular-monolith backend, a web app for all three roles, an 8-page admin console, a double-entry wallet ledger with live reconciliation, the full order lifecycle with 5-digit handoff codes, courier/merchant management with a verification flow, and prepaid-package monetization with credit enforcement.

Designed & specced, not yet built: the live auction, pricing engine, wallet escrow/COD, notifications, the dispute-rules engine, and role-based admin access โ€” several gated on external providers (CIBPAY, WhatsApp, Google Maps) and on legal agreements. A detailed financial model is in preparation.

This room is a living document for partner review and investor discussions. Section tags show real status โ€” nothing here is presented as more finished than it is.
โœ… decided/done ๐ŸŸข in progress ๐Ÿ”‘ needs provider โณ with lawyer ๐Ÿ“ designed, not built ๐Ÿ”ฎ future ๐Ÿ“‹ research pending
Product

Product Description

Salik is a last-mile delivery marketplace. Food is the first vertical; the same rails are designed for any sender.

What Salik is โ€” and isn't

Salik is not a food-ordering app for the public, and not a traditional courier employer. It is a technology platform that connects merchants who need delivery with independent couriers, and settles the money.

The four people in every delivery

WhoRole
Merchant (restaurant/cafe/shop)Already took the order from their customer. Posts the delivery and bids the price.
CourierIndependent. Accepts jobs, picks up, delivers. Wants fair, reliable pay.
Customer (recipient)Ordered from the merchant. Not a Salik app user โ€” interacts only via a message + code and the courier at the door.
Operator (Salik staff)Approves couriers, monitors orders, resolves disputes.

Positioning

A general-purpose last-mile platform, food-first. The data model deliberately treats the โ€œrestaurantโ€ as a generic merchant/sender, so the same product can later serve marketplace deliveries, business correspondence, and peer-to-peer parcels.

Brand & customer touchpoints

Sender brand is Salik, with the merchant's name in the message body. Salik runs a public brand/profile website. Customers aren't direct users today, but their feedback is captured (see Operations โ†’ reviews).

Product

How It Works

Stage 0 โ€” Onboarding ๐ŸŸข partial

Built: courier self-registration + the admin verification flow (approve / hold / reject / ban). Designed, not yet built: the eligibility gates and document capture.

  • Couriers: basic registration + admin approval are built โœ…. The 18+ gate, selfie-with-ID upload, driving-licence check (moped/car), thermobag flag, and optional operator WhatsApp video-verify marker are designed ๐Ÿ“. No exclusivity; courier provides their own thermal bag.
  • Merchants: self-serve onboarding (legal name, address, contact, hours) + team verification is designed ๐Ÿ“. Merchants are currently provisioned by an admin.

Stage 1โ€“2 โ€” Order & auction ๐ŸŸข partial

  • Customer orders from the merchant off-platform.
  • Merchant posts the delivery โ€” basic posting (address, payment method, notes, price) is built โœ…. Structured address + Google Maps pin, size/vehicle, thermobag flag, and food-ready timer are designed ๐Ÿ“.
  • Suggested starting price (distance ร— weight ร— urgency ร— weather; floor 3 AZN) โ€” designed ๐Ÿ“ ๐Ÿ”‘ Maps + Weather.
  • Auction (2โ€“3 min sessions; rebid or cancel on no-accept) โ€” the headline differentiator, designed but not yet built ๐Ÿ“. Today a published order is accepted first-come at the merchant's set price.

Stage 3โ€“4 โ€” Accept & pickup ๐ŸŸข partial

  • Courier accepts a job and enters the 5-digit pickup code shown on the merchant screen โ€” built โœ… (race-safe accept).
  • Pre-accept distance/zone view and visibility filters (vehicle/size, thermobag, COD wallet balance) are designed ๐Ÿ“.
  • Package credit consumed per delivery, with a hard block when a merchant is out of credits โ€” built โœ….
  • 15-min wait limit + waiting fee โ€” designed ๐Ÿ“ (admin-configurable).

Stage 5 โ€” Delivery ๐ŸŸข partial

  • Courier enters the 5-digit delivery code to confirm hand-off โ€” built โœ… (constant-time check + attempt lockout).
  • Customer notification at pickup (ETA + courier phone + delivery code + rating link) over WhatsApp/SMS โ€” designed ๐Ÿ“ ๐Ÿ”‘ WhatsApp; an SMS hook is stubbed.
  • Leave-at-door, someone-else-receives, and mandatory drop-off photo (when no code) โ€” designed ๐Ÿ“.
  • Tips, 100% to courier โ€” designed ๐Ÿ“.

Stage 6 โ€” Settlement ๐ŸŸข partial ๐Ÿ”‘ CIBPAY

  • A double-entry ledger posts each delivery's earning (courier +, merchant โˆ’) atomically, with a daily zero-drift reconciliation check โ€” built โœ….
  • Wallet escrow / COD hold-and-release, courier float + security deposit, and gateway top-up/instant withdrawal โ€” designed ๐Ÿ“ ๐Ÿ”‘ CIBPAY.
  • Two review streams (in-house courier rating + optional Google Reviews deep-link) โ€” designed ๐Ÿ“.
Product

Technology Stack

A modular monolith designed so each module can later be extracted into a microservice โ€” scaling is extraction, not a rewrite.

Stack

LayerChoice
BackendNestJS (TypeScript), modular monolith โ€” apps/api
WebNext.js (App Router), mobile-first, Azerbaijani โ€” apps/web
API contractOpenAPI-first via nestjs-zod โ€” packages/contracts (single source of truth)
DatabasePostgreSQL + Prisma
Cache / rate-limit / sessionsRedis
Async / eventsTransactional outbox (Postgres) + pg-boss worker
InfraDocker + Compose behind Caddy on a Hostinger VPS

Modules

identity ยท orders ยท couriers ยท restaurants ยท wallet ยท notifications ยท partner-api ยท webhooks. Modules talk through public interfaces and an event outbox โ€” never by reaching into each other's tables.

External integrations ๐Ÿ”‘ provider decisions

IntegrationUseStatus
CIBPAY (payment gateway)Card top-up, instant courier withdrawalPartner chosen; integration pending
WhatsApp Business APIPickup/delivered notifications + support inbox (SMS fallback)Choose BSP (respond.io / Wati)
Google Maps APIAddress pin + distance for pricingNeeds key + billing
Weather APISurge multiplier in pricingOpenWeatherMap free tier suffices

Engineering conventions

  • Conventional Commits; TypeScript strict (any is an error).
  • Money is always Decimal โ€” never float; renders as โ€œX.XX AZNโ€.
  • No defaulted secrets โ€” services fail fast on missing env.
  • Module boundaries enforced by dependency-cruiser in CI.
Product

Build Status & Roadmap

Reflects the codebase + internal backlog as of 2026-06-15. โ€œBuiltโ€ items were verified running in the app; โ€œdesignedโ€ items are specced in the decision docs but not yet implemented.

โœ… Built & running

  • Modular-monolith backend + OpenAPI contracts + a web app for all three roles (admin, merchant, courier).
  • Full order lifecycle โ€” publish โ†’ accept โ†’ arrived โ†’ pickup โ†’ on-the-way โ†’ delivered, with cancel/dispute, race-safe accept, and 5-digit handoff codes (constant-time check + attempt lockout).
  • Double-entry wallet ledger with per-delivery posting and a daily zero-drift reconciliation check (admin โ€œBalanslarโ€ view).
  • Prepaid-package monetization โ€” admin-editable tiers, credit grants, FIFO consumption, and a hard block when a merchant runs out.
  • 8-page admin console โ€” dashboard, couriers (with verification flow: approve / hold / reject / ban), merchants, orders + order detail (status timeline, assigned courier, linked dispute), disputes, ledger, settings.
  • on_hold reversible courier status; courier & merchant detail pages; consistent loading/error states across the console.

๐Ÿ“ Designed & specced โ€” next to build (pilot)

  • Onboarding & identity gates (18+ , selfie-with-ID, licence, thermobag, video-verify marker; merchant self-serve onboarding).
  • Order creation extras (structured address + Maps pin; size/vehicle, thermobag, food-ready timer tagging).
  • Pricing engine (distance ร— weight ร— urgency ร— weather; floor 3 AZN).
  • Auction (2โ€“3 min sessions, rebid/cancel, distance-before-accept).
  • Batching capability โ€” build, then feature-flag off at launch (no later migration).
  • Delivery flow (notifications, leave-at-door, drop-off photo, wait + waiting fee).
  • Two review streams (in-house courier rating + optional Google Reviews).
  • Wallet & settlement (COD escrow, 10 AZN deposit, tips, gateway top-up/withdrawal, admin credit line).
  • Dispute-rules engine, role-based access (RBAC), audit log, exportable delivery log.
  • Ops (hours window, zones, image retention 3 days โ†’ archive).

๐Ÿ”‘ Blocked on external providers

  • CIBPAY, WhatsApp BSP, Google Maps API, Weather API.

โณ Awaiting lawyer (pre-launch blockers)

  • Insurance & accident liability; courier + merchant agreements; ToS; privacy policy; customer notice wording; payment/e-money & data-retention review.

๐Ÿ”ฎ Future phases

  • P2P delivery (customer as sender) ยท live order-tracking map ยท SIMA / SIMA ฤฐmza ยท driver fine-history check ยท public brand site ยท online split-payment link.
Product

Product in Action

Real screenshots from the running app โ€” not mockups. Captured 15 Jun 2026.

Admin dashboard

Overview charts, order volume, and quick stats visible to the operator.

Admin dashboard

Double-entry ledger (Balanslar)

Per-delivery postings with courier names, AZN amounts, and live reconciliation. Drift shown as 0.00 AZN.

Admin ledger

Order detail โ€” status timeline + dispute panel

Admin order detail page: assigned courier cross-link, full status timeline, and inline dispute resolution.

Admin order detail

Courier board (mobile)

Live job board on the courier's phone โ€” 3 open deliveries with price, district, and accept button.

Courier board

Merchant credits view

Merchant sees their active package, remaining credits, and usage history.

Merchant credits
Product

Intellectual Property

๐Ÿ“‹ research pending Not yet completed โ€” placeholder.

Items to formalize:

  • Brand: โ€œSalikโ€ name & logo โ€” trademark registration in Azerbaijan (to do).
  • Domain & social handles โ€” secure and document.
  • Codebase ownership โ€” greenfield build; confirm assignment/ownership in founder & contractor agreements.
  • Proprietary logic โ€” the auction + pricing-engine design as a know-how asset.
Market Analysis

Market Research

๐Ÿ“‹ directional Figures below are estimates from public sources and industry benchmarks โ€” not commissioned research. Formal TAM/SAM/SOM study is planned.

Market context

Azerbaijanโ€™s food delivery market is dominated by Wolt, Bolt Food, and Yandex Food โ€” all aggregators that own the customer relationship and charge 25โ€“35% commission on food revenue. Thousands of restaurants in Baku operate outside these platforms entirely, taking orders via phone and Instagram and running informal self-delivery.

10M+
Azerbaijan population; Baku metro ~3M
~90%
WhatsApp penetration (primary B2B channel)
25โ€“35%
Typical aggregator food commission
3 AZN
Salik CAC vs 50โ€“200 AZN/mo LTV

Who Salik targets

Restaurants and cafรฉs that already have order demand and need affordable delivery โ€” not discoverability. Specifically:

  • Establishments currently self-delivering (managing drivers ad-hoc, high ops burden).
  • Aggregator-listed merchants paying 25โ€“35% commission and wanting a cheaper overflow channel.
  • Instagram-only businesses taking orders via DM with no delivery infrastructure.

Why the timing is right

  • Wolt/Bolt expanded to Azerbaijan but focus on high-volume anchor restaurants โ€” mid-tier and neighbourhood venues are underserved.
  • WhatsApp Business adoption is high among restaurant owners โ€” the referral channel is essentially free.
  • No neutral last-mile-only marketplace exists in the market today.

Still to research (formally)

  • Exact restaurant/cafรฉ count in Baku, Absheron, Sumgayit pilot districts.
  • Courier supply pool size and prevailing daily earnings.
  • Average basket size, order frequency, seasonality.
  • Regulatory environment for gig/delivery work in Azerbaijan.
Market Analysis

Competitive Analysis

๐Ÿ“‹ partial ยท research pending Positioning below is directional; full competitor data to be researched.

Landscape

Aggregators (Wolt/Bolt/Yandex)Salik
Customer relationshipOwned by the platformStays with the merchant
PricingFixed platform tariffMarket auction set by merchant
Merchant economicsHigh commission on foodPrepaid delivery packages, no food commission
Customer appRequiredNone โ€” code over WhatsApp/SMS
ScopeFood ordering + deliveryDelivery only (general-purpose rails)

Our edge

  • Lower cost for merchants who already have demand and just need delivery.
  • Merchants keep their own customers and brand.
  • Auction balances supply/price dynamically.

To research

  • Exact competitor pricing, coverage, courier counts, and merchant sentiment in the pilot districts.
Business Model

Revenue Model

Revenue comes from prepaid delivery packages sold to merchants โ€” not a commission on their food sales.

Packages โœ…

PackageDeliveriesPriceValidityPer credit
Paket 15050 AZN50 days1.00 AZN
Paket 210090 AZN100 days0.90 AZN
Paket 3200170 AZN200 days0.85 AZN
  • A credit is consumed on pickup. Blended revenue โ‰ˆ ~0.90โ€“1.00 AZN/delivery depending on package mix.
  • Credits run out โ†’ hard block; super-admin may grant an admin-approved credit line (limit, visible โ€œowedโ€, netted on next purchase).

Wallet & COD ๐ŸŸข partial

The double-entry ledger is built โœ…. COD escrow (block on the courier wallet at pickup, release to the merchant on delivery) is designed ๐Ÿ“ ๐Ÿ”‘ CIBPAY. Future revenue lines: withdrawal fees, optional per-COD platform fee, online split-payment.

Charge from launch

Salik charges from day one; acquisition cost is offset with referral credits and coupons rather than running free.

Business Model

Pricing & Auction

The auction ๐Ÿ“ designed

The merchant sets/bids a delivery price; couriers compete to accept within a 2โ€“3 minute session. On no-accept, the merchant rebids (new session) or cancels. The platform never auto-raises the price โ€” the market does.

Suggested price ๐Ÿ“ designed ๐Ÿ”‘ Maps + Weather

A pricing engine suggests a starting price from:

  • Distance (Google Maps Distance Matrix)
  • Weight / size
  • Urgency
  • Weather (surge on rain/snow/extreme conditions)

Floor price 3 AZN. The merchant can always bid above the suggestion.

Other fees

  • Waiting fee: merchant can pay ~1 AZN per 10 min when a courier waits (admin-configurable).
  • Tips: 100% to the courier.
  • Security deposit: 10 AZN default (admin-configurable) to access COD orders.
Business Model

Customer Segments

Merchants (paying customers)

  • Restaurants, cafes, and shops that already have order demand and need delivery.
  • Especially those avoiding high aggregator commissions or running ad-hoc self-delivery.

Couriers (supply)

  • Independent couriers (bicycle / moped / car), non-exclusive.
  • Motivated by fair auction pay, instant withdrawal, and gamified incentives.

End customers (recipients)

  • Not direct users today; reached via WhatsApp/SMS.
  • ๐Ÿ”ฎ Future P2P phase turns customers into senders.
Marketing & Sales

Go-To-Market

District-by-district launch, seeded by anchor merchants and grown through referrals.

Approach

  1. Anchor merchants first: personally onboard ~5 high-volume cafes per district as VIPs โ€” they become the first referrers and create courier demand.
  2. Seed courier supply: recruit couriers ahead of demand with sign-up bonuses + gamification so the auction always has takers.
  3. Local launch moment: a district-specific coupon distributed via supplier WhatsApp groups makes each launch feel like an event.
  4. Referral flywheel: merchants refer merchants for free deliveries (see Referral & Coupons).
  5. Expand: Baku โ†’ Absheron โ†’ Sumgayit as supply/demand stabilize.

Channels

  • WhatsApp forwards between restaurant owners (highest-leverage in Azerbaijan).
  • Food-supplier network partnerships (co-branded coupons, zero cash cost).
  • Instagram/social seeding via top merchants.
No paid ads until product-market fit is proven โ€” referral is the cheapest channel by a wide margin (~3 AZN per acquired merchant vs 50โ€“200 AZN/month LTV).
Marketing & Sales

Referral & Coupons

Core mechanic

Every active merchant gets a unique referral code. New merchant signs up with it โ†’ referrer earns 20 free delivery credits, new merchant gets 10 (credited on first paid delivery to prevent fakes).

Tiers

ReferralsStatusBonus / referralPerk
1โ€“4Starter20 creditsโ€”
5โ€“9Connector25 creditsPriority support
10โ€“19Ambassador30 creditsSocial badge
20+Partner35 credits + cash optionFeatured partner

Launch coupons

  • Welcome codes at onboarding (e.g. 10 free deliveries; VIP 25).
  • District-launch public code for the first merchant from a new area.
  • Supplier-network co-branded codes.

Full detail: Referral & Marketing Strategy document.

Marketing & Sales

Courier Gamification

Supply (couriers online) is the scarce input in an auction marketplace. Gamification keeps couriers active and loyal โ€” mostly at zero cash cost.

Mechanics

  • XP & levels: earn XP per delivery, 5-star ratings, peak-hour presence, on-time pickups. Levels unlock perks โ€” the strongest being a few-second head-start on high-value orders for top couriers (zero platform cost).
  • Streaks: daily-delivery streaks with bonuses; loyalty โ€œfreezeโ€ for higher levels.
  • Missions: admin-set, time-boxed challenges that pull supply to gaps (peak hours, late nights, bad weather, new districts).
  • Leaderboards: weekly, district-scoped so newcomers can compete.
  • Badges: recognition, zero cost.
  • Cold-start cash: sign-up bonus, refer-a-courier, optional launch-week earnings guarantee โ€” time-boxed and budget-capped.

Post-MVP. Full detail: Gamification Strategy document.

Marketing & Sales

Onboarding Pipeline

Merchant pipeline

Lead (referral/outreach)โ†’ Self-serve onboardingโ†’ Team verificationโ†’ First package purchaseโ†’ Active & referring

Courier pipeline

Sign up + selfie-with-IDโ†’ Licence check (moped/car)โ†’ Optional video verifyโ†’ Approved (<24h)โ†’ Active & leveling up
Financial Information

Unit Economics & Costs

Cost drivers are known; full numbers come with the financial model (in preparation).

Per-delivery cost drivers

  • SMS OTP โ‰ˆ 0.03 AZN (3 qapik) per confirmation (WhatsApp messaging priced separately as primary channel).
  • Payment gateway (CIBPAY) fees on top-ups & withdrawals.
  • Google Maps API call per pricing/address lookup; Weather API (free tier).
  • Courier incentives/gamification allocation (budget-capped).

Acquisition & fixed costs

  • Referral cost โ‰ˆ 3 AZN per acquired merchant.
  • Support/CRM subscription (respond.io / Wati); ops staffing.
  • Hosting (Hostinger VPS).

Float (not revenue)

  • Courier security deposits (10 AZN each) and wallet balances.
Financial Information

Projections

Numbers below are from a formula-driven financial model (Base scenario). Key inputs โ€” CIBPAY gateway rate, WhatsApp BSP cost, loaded salaries โ€” are placeholders pending supplier confirmation; starred (โš‘) in the workbook. Treat as directional, not audited.

Revenue mechanics

Salik earns on prepaid package credits consumed at pickup โ€” not on the delivery fee, which is a merchantโ†’courier pass-through. Blended revenue โ‰ˆ ~1 AZN per credit (package mix-weighted). Secondary income: breakage on expired Trial/Main credits (Premium rolls over).

Unit economics (Base)

~1 AZN
Revenue per delivery (blended)
~80%
Contribution margin / delivery
3 AZN
CAC โ€” referral marginal cost
Month 4
EBITDA-positive (base scenario)

Break-even

ScenarioActive merchants at B/EDeliveries / moAnnual EBITDA
Conservative> 94> 6,550โˆ’24.7k AZN
Base~94~6,550+50.9k AZN
Aggressive< 94< 6,550+209k AZN

Break-even assumes ~70 deliveries/merchant/month (Base). The Conservative scenario loses 24.7k AZN/yr; Aggressive earns 209k AZN/yr.

12-month ramp

Month-by-month P&L is in the model workbook (work/Salik_Financial_Model.xlsx), with a pilot ramp starting from 0 merchants, reaching break-even by month 4 in the Base scenario.

What will move the model most

  • Active merchant count โ€” the primary lever; 94 is achievable with one district launch.
  • Deliveries per merchant โ€” assumed 70/mo; restaurants with self-delivery often do 100โ€“200/mo.
  • Package mix โ€” higher Premium uptake improves blended revenue/credit (Premium: 200 credits, rollover).
  • Gateway costs โ€” CIBPAY rate is the largest unconfirmed variable.
Operations

Operations & Support

Hours โœ…

Orders accepted 08:00โ€“02:00; deliveries complete until 03:00.

Geography โœ…

Baku, Absheron, Sumgayit. Distance-based pricing.

Support ๐Ÿ”‘ CRM

Business WhatsApp integrated into a CRM (respond.io / Wati suggested), Azerbaijani only, staffed by platform support.

Reviews

  • Courier/delivery rating โ€” in-house, Salik-owned, feeds gamification.
  • Restaurant review โ€” optional Google Reviews deep-link (posts to the merchant's real Google profile; goodwill only).

Data

Salik retains operational data; delivery images kept 3 days then archived; courier can see the delivery address.

Operations

Dispute Resolution

โœ… built raising a dispute + the admin review/resolve workflow with order cross-links. ๐Ÿ“ designed the rules engine that auto-suggests resolutions. โณ rule set pending lawyer review.

Principles

  • Courier not at fault is always paid by the merchant.
  • Merchant may gift the food to the courier instead of a return trip; return-to-sender is a paid trip.
  • No delivery-fee refund; food quality is a merchantโ†”customer matter.
  • The pickup + delivery codes and wallet escrow are the evidence backbone.

Flow

Dispute raisedโ†’ System suggests resolution (rules)โ†’ Both accept โ†’ wallets adjustedโ†’ Else โ†’ super-admin decides

Rule sets cover cancellations, failed deliveries, food quality, COD, and a small platform-compensation budget. Resolution target: ASAP.

Operations

Admin & Access (RBAC)

๐Ÿ“ designed The role model below is specced for launch. The platform today ships a single admin role; the Support / Ops / Finance / Super-Admin split and the per-action audit log are not yet implemented.

Roles

RoleScope
SupportView, KYC approve, video-verify, support inbox, put courier on hold. No money authority.
Ops ManagerAbove + ban, resolve disputes, compensation up to limit.
FinanceWallet adjustments, credit lines, approve withdrawals, compensation up to limit.
Super-AdminEverything; sole authority to override a dispute, edit pricing/config, manage admins.

Least-privilege, separation of duties, full audit log on every privileged action.

Courier conduct

Tiered enforcement: warning โ†’ temporary hold (on_hold) โ†’ permanent ban. Bans reserved for theft/fraud, violence, deliberate code bypass, or repeat serious violations.

Full detail: Admin Access Framework document.

Legal & Compliance

Regulatory Compliance

๐Ÿ“‹ pending counsel Positions below are assumptions to be confirmed by the lawyer.
  • Payments / e-money: assume the CIBPAY partnership avoids a separate licence โ€” to confirm.
  • Data protection: retention policy and lawful basis for messaging customers (merchant-provided numbers) โ€” to confirm.
  • Gig / labour: courier classified as independent contractor โ€” to confirm.
  • Consumer protection: extent of obligations given the customer is not our direct contracting party โ€” to confirm.
  • Tax: VAT / fiscal receipts on packages and delivery fees โ€” to confirm.
Legal & Compliance

Risks & Open Items

Pre-launch blockers

  • ๐Ÿ”‘ Provider integrations: CIBPAY, WhatsApp BSP, Google Maps, Weather.
  • โณ Legal: agreements, insurance/liability, ToS/privacy.

Market / execution risks

  • Cold-start: no couriers online โ†’ auction fails. Mitigation: seed supply + gamification + sign-up bonuses.
  • Auction no-accepts: mitigated by rebid flow + price guidance.
  • Trust on first deliveries: code system, wallet escrow, drop-off photos.
  • Aggregator competition: differentiate on cost + merchant ownership of customers.

Research still to do

  • ๐Ÿ“‹ Market sizing, competitor data, regulatory confirmation, financial projections.
Appendix

Source Documents

Internal working documents this room is built from (in ../work/):

  • Salik_PRD.md โ€” product requirements (authoritative).
  • Open_questions.md โ€” all 60 business decisions.
  • Salik_Implementation_Plan.md โ€” build workstreams & sequencing.
  • Salik_Backlog.md โ€” status & future-phase ideas.
  • Dispute_Rules_Framework.md โ€” dispute logic (lawyer review pending).
  • Admin_Access_Framework.md โ€” RBAC + conduct policy.
  • Referral_Marketing_Strategy.md โ€” merchant acquisition.
  • Salik_Gamification_Strategy.md โ€” courier engagement.
  • Lawyer_Brief.md โ€” legal engagement brief.
Appendix

Glossary

TermMeaning
AuctionShort 2โ€“3 min session where couriers compete to accept a merchant's bid-priced delivery.
Merchant / senderRestaurant, cafe, or shop posting a delivery.
Pickup code5-digit code on the merchant screen confirming courier collection.
Delivery code5-digit code sent to the customer confirming handoff.
CODCash on delivery โ€” here, escrowed digitally via the wallet.
Wallet escrowCOD amount blocked on courier wallet at pickup, released to merchant on delivery.
PackagePrepaid bundle of delivery credits (Paket 1 / 2 / 3 โ€” 50, 100, or 200 credits).
CIBPAYPayment gateway partner for top-ups and withdrawals.
SIMA / SIMA ฤฐmzaAzerbaijani digital identity / e-signature (future integration).