Penta Capital is an investment house in the Philippines that established VMobile Finance Corporation as a quasi-bank. The document discusses turning cell phones from a liability to an asset by becoming a VMobile dealer. Dealers can earn income by reloading prepaid products through the VMobile e-wallet system and receiving percentages from access cards loaded by recruits. The document provides examples of earnings up to 64,500 pesos over 7 months through endorsement bonuses by recruiting additional dealers.