This document outlines the features and benefits of an e-loading business in the Philippines. It notes that there are over 100 million cellphone users in the Philippines, with the majority using the top 3 carriers. The e-loading business allows users to load airtime and prepaid products for all networks using a single wallet. It has over 400 products available and retailers can earn between 5-23% commission. Becoming a retailer costs P300 and they are incentivized to refer 10 friends within 30 days to also become retailers through a referral bonus system. Following this system could lead to earnings of over P1 million in just 5 months.