FriMi
国家/地区: 斯里兰卡 (LK) | 底层清算轨道: closed_loop_wallet
DigitalWallet
市场普及率: 12%
FriMi 是斯里兰卡 Nations Trust Bank 推出的新一代全功能数字银行钱包与生活方式支付应用，以纯线上开户、虚拟借记卡及 LANKAQR 扫码为核心，广泛用于年轻一代消费者的日常线上购物、餐饮娱乐及账单分账。
🔄 用户付款交互流 (User Flow)
- Customer selects FriMi at checkout
- Customer authenticates via FriMi mobile app deep link or scans on-screen FriMi LANKAQR
- Customer confirms payment with biometric ID or FriMi PIN
- Real-time funds transfer clears instantly and merchant receives payment
⚙️ 支付与结算特征
| 即时清算 | YES |
| 扫码支付 (QR) | YES |
| 订阅自动代扣 | YES |
| 退款支持 | YES |
🛠️ 商户端标准集成步骤 (Merchant Integration)
- Merchant calls FriMi API or PSP gateway
- FriMi generates payment token and user prompt
- Merchant receives instant settlement webhook callback