Business Model Canvas: Portable Benefits Account (PBA) Infrastructure
A digital financial infrastructure that decouples social benefits (health, pension, insurance) from a single employer, allowing gig and precarious workers to carry their safety net across multiple short-term jobs.
The Business Model Canvas reveals that the PBA Infrastructure shifts the burden of benefit administration from the employer to a centralized digital layer, creating a scalable B2B model. Success depends on high-level regulatory alignment and the ability to integrate seamlessly into existing gig-economy payment flows.
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The idea identifies specific B2B beneficiaries (Uber, Upwork) and requires a clear map of how value is captured from employers and delivered to workers. · Generated 2026-09-07 by cavi/gemma4-31b-it-awq-4bit-32kAI-generated