Public Ledger — It Means

Platform overhead — March 2026

€347

total costs

€4,820

total donated

7.2%

overhead ratio

Target: below 10% · Current: 7.2% ✓

Full platform cost breakdown

Every cost, every provider — updated monthly. Nothing hidden.

March 2026

💳 Payment processing

Mollie — donation processing (EU)

1.4% + €0.25 per transaction · 38 transactions in March

€78.20

1.6% of donations

Stripe — donation processing (global)

1.5% + €0.25 per transaction · 3 transactions in March

€9.10

0.2% of donations

Stripe Connect — merchant payouts

0.25% per payout · 13 payouts in March

€11.18

0.2% of donations

Payment processing subtotal€98.48

🖥️ Infrastructure

Gandi VPS — server hosting

Luxembourg · GDPR-compliant · 4 vCPU / 8 GB RAM · fixed monthly

€39.00

Fixed cost

Cloudflare R2 — file storage

Cardholder photos (access-controlled) · 94 files · ~2 GB

€0.86

Usage-based

Domain & SSL — itm.brussels

Annual domain registration · amortised monthly

€1.50

Amortised

Uptime monitoring — Better Uptime

Incident alerts, status page · starter plan

€0.00

Free tier

Infrastructure subtotal€41.36

🔧 Development & maintenance

Platform updates & bug fixes

Security patches, dependency updates, QR signing key rotation · volunteer hours at cost

€120.00

8h × €15/h

Field operator support & onboarding

Training sessions, documentation, help desk for operators · 2 sessions in March

€60.00

4h × €15/h

Merchant onboarding support

Setup assistance, Stripe Connect KYC guidance · 1 new merchant in March

€15.00

1h × €15/h

Development & maintenance subtotal€195.00

⚖️ Legal & compliance

GDPR compliance review

Annual DPO consultation · amortised monthly

€12.50

Amortised

Legal & compliance subtotal€12.50

Total platform costs — March 2026 €347.34

Total donations received €4,820.00

Delivered to merchant payouts €4,471.66

Overhead ratio 7.2% ✓ below 10% target

Monthly totals

All cities combined

Month	Donations	Meals	Nights	Merchant payouts	Platform costs	Overhead
Mar 2026	€4,820	412	148	€4,471	€347 ↓	7.2%
Feb 2026	€3,640	318	96	€3,356	€284	7.8%
Jan 2026	€2,110	194	52	€1,946	€165	7.8%

Platform costs include payment processing fees, server hosting, storage, development, and legal. Full itemisation available above for the current month.