Ormeria
Ormeria Crew · Service & flow · Internal working draft · 26 Jul 2026

The tip is the acquisition event.

Ormeria Crew is a gratuity settlement service for superyachts. It takes the one payment the industry still does in cash — the tip at disembarkation, after a charter or a stay as the owner’s guest — and moves it from the guest’s bank to the crew, with proof. The tip passes through 100% intact; Ormeria’s revenue comes later, from the crew relationship the tip creates.

Structure

Two services in one · two situations · four actors

Phase 1 is internal — validation and a concierge pilot inside the network. The service goes live for real guests at the Ormeria launch, February 2027, when crew accounts + cards switch on.

Phase 1 · Internal · now → late 2026

Proving the payment service

Interviews and a concierge pilot on reachable boats. Not a market release. A regulated provider holds all funds — Ormeria never does.

Phase 2 · The launch · Feb 2027

Acquiring crew banking customers

Crew receive tips into an Ormeria account + Mastercard. Revenue: interchange + FX on the card — 0% ever taken from the tip.

Situation 1 · Design segment

The charter

Broker-intermediated, MYBA-style. Guidance anchored to the charter fee (10–15%, Med). The captain puts it in the welcome pack.

Situation 2 · Added 26 Jul

The owner’s guests

Private use: invited guests tip the crew at disembarkation. No fee anchor; the introduction is social, not documentary. Same flow, same rails.

Payer — not the customer

Guest

Uses it once, for two minutes. Buys: no cash logistics, and proof it arrived. No app, no account.

Gatekeeper & channel

Captain

Adopts once; nothing per charter. Keeps authority over the split. If captains don’t carry it, the service doesn’t exist.

Beneficiary → real customer

Crew

Receives 100%, always. From Feb 2027: into an Ormeria account + card. Crew rotation spreads the service boat to boat.

Operator — takes nothing

Ormeria

Runs the service on Aazzur/Equals + Mastercard rails. 0% of the tip; holds no guest funds in Phase 1.

The transaction

Where the money goes

One payment in, the full amount out. Bank transfer is the default rail (no fees, no card limits); card is optional with processing added on top — never deducted from the tip.

Guest
Pays once, at disembarkation, in their own currency.
100% of the tip
Regulated provider
Holds the funds; the split runs here (payout model A/B/C — open, decided by captain research).
100%, split applied
Crew
Paid out in Phase 1; paid into an Ormeria account + card from Feb 2027.
Ormeria Operates the service · 0% of the tip · absorbs bank-rail costs · earns interchange + FX on the crew card, from Phase 2
The flow

Six beats, three front stages

The charter, beat by beat — what the guest, captain and crew each experience, and what runs backstage underneath. The whole guest moment stays under two minutes: no download, no account.

1
The promise
pre-charter
2
Invisible
during
3
The moment
disembarkation
4
Proof
immediately
5
It landed
days later
6
Afterward
 
Guest
One line in the welcome pack: cashless gratuities supported. Does nothing.
At most a discreet QR card in the cabin folder. Nothing prompts, nothing nags.
Scan → boat + crew → guidance → amount → rail → pay. Under two minutes.
Receipt: amount, boat, reference — the full figure to the crew. The envelope never gave this.
“Your gratuity reached the crew of M/Y —” + a short thank-you from the crew.
The memory: “I never thought about cash.”
Captain
Adds the line once, from the QR kit. Boat registered in ~15 min, once.
—
Notified first. One tap — “Send to the crew” with the standing split; the tipper’s name shown or withheld at the captain’s choice.
May check or adjust the split — shares, equal by default. Authority untouched.
—
—
Crew
—
—
Word arrives — after the captain.
Each learns their own share. No one sees another’s.
Receives the money — mechanism follows the payout model. Authors the thank-you (author open).
Phase 2: decides what to do with it inside Ormeria — hold, spend, send home. The revenue engine.
Backstage
Boat registered · QR generated · payout target connected (abstracted).
—
Funds land at the regulated provider. Ormeria touches nothing.
Split queued per payout model (A/B/C open).
Payout executed · confirmations sent.
Phase 2 seam: crew accounts + Mastercard attach here.
the two-minute moment decided 26 Jul open backstage — invisible to everyone
The owner’s guests — what changes (beats 1–3 only): there is no welcome pack — the introduction is social, and the host must never appear to be soliciting; discovery is pull, not push — the QR card lives with the captain or chief stew and appears when a guest asks “how can I leave something for the crew?”; and guidance has no fee anchor — it runs on stay length and boat custom (formulation open, figures to be researched). Beats 4–6 are identical.
Where the design stands

Decided vs. open

Decided

  • Tipping is Ormeria’s flagship acquisition product, not a standalone venture (ADR-0012).
  • 100% of the tip reaches the crew — always. Fees ride on top, never inside.
  • Bank transfer default (Ormeria absorbs cost); card optional with fee shown on top.
  • Phase 1 is internal — no unknown guests, no brokers, Ormeria holds no funds.
  • Captain-direct entry; captain’s authority over the split untouched.
  • Captain is notified first, then the crew.
  • Crew shares are private — each member sees only their own.
  • Arrival is one tap for the captain — “Send to the crew” with the standing split.
  • Splits are set in shares (full share / half share), balancing by construction.
  • The guest may sign the tip; the captain chooses whether the crew sees who it’s from.
  • The gratuity is set in one currency and payable in another — rate shown plainly; the conversion is Ormeria’s to price.
  • The promise is the checkable figure — “The crew receives the full €12,000.”
  • Captain’s personal account as payout target: ruled out.

Open — and how each closes

  • Which pain is the wedge — guest cash logistics is a one-data-point hypothesis → H1 interviews.
  • Payout model A (crew claim links) / B (management account) / C (captain-instructed escrow) → H2 captain research, by autumn.
  • Host introduction & discovery on private stays → H1 owner-variant.
  • Per-stay guidance formulation + sourced figures → research.
  • Host visibility of a guest’s tip → H1/H2.
  • Who authors the crew thank-you → design, with H2 input.
  • Card-fee rate and FX-margin disclosure treatment → provider rate card + counsel (EU conversion-transparency rules) + H1.
  • Split philosophy & guest visibility of the split → deferred by decision (ADR-0012).
In time

Three gates

Now

Validate

H1 guest interviews (8–10) + H2 captain interviews (5–6), in parallel. Confirms or kills the wedge; decides the payout model.

Late 2026 season

Pilot — internal

H3 — a real guest uses it at disembarkation on 2–3 reachable boats. Concierge behind the scenes acceptable. Not a market release.

February 2027

Launch

The Ormeria launch — first real use. Crew accounts + cards are core, not a follow-on. Every tip becomes an acquisition event.

Honest status The wedge hypothesis rests on one data point (Francisco’s July 2026 charter). Captain adoption is untested. The “~70% cash” stat is single-sourced. The owner’s-guests situation was added 26 Jul. H1/H2 exist to settle all of this before anything guest-facing is built. M/Y Serafina, where used in prototype material, is an illustrative vessel.
Ormeria · internal — not for external distribution Sources: ADR-0012 · Product definition v1 (rev. 26 Jul) · Experience blueprint (26 Jul)