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Clearinghouse Technology — Why Every Thriving Industry Has One
Banking
The Automated Clearing House (ACH) lets competing banks move money under common rules and today, it handles billions of transactions each year.
Telecom & Networks
Inter-carrier exchanges make cross-network calls and data routing possible.
Every major system you trust runs on a clearinghouse.
The Vision Behind ICH
Richard G. Stewart Jr. has always believed that true innovation happens when cooperation replaces competition. That principle guided him throughout the creation of Premier Lifestyles, Source, and HELP Worldwide, and it’s the same vision that ultimately led to the formation of the International Clearinghouse (ICH).
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When Richard and his team founded ICH, they weren’t simply building another back-office processor. They were creating a switchboard of value for a new economic system — one with business rules applied through an upgraded clearinghouse designed to track, calculate, and distribute every form of rewards and shared wealth generated in modern commerce.
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Their goal was simple yet revolutionary: to make it possible for everyday people to own a piece of the value they help create every time they shop, sell, refer, or give.
That is why ICH was built — to serve as the processing and accountability engine for this new ownership economy.
Why a Clearinghouse Was Needed
Every thriving industry depends on a clearinghouse.
Banks rely on the Automated Clearing House (ACH) to move trillions of dollars between institutions.
Telecommunications networks use inter-carrier exchanges to allow calls and data to move across competing carriers.
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Commerce, loyalty, and payments deserve that same kind of aggregation backbone — a trusted intermediary where all sides can agree on shared rules, transparent reporting, and fair distribution of value.
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ICH brought that same discipline to the loyalty and retail sectors. Richard and his team built the rules, the rails, and the reporting, so every participant could see exactly what happened, who earned what, and why.
How It Works
At its core, ICH functions as a central processing hub — a clearinghouse for digital value. Every transaction that flows through a participating platform or merchant enters the ICH system, powered by its proprietary Revenue Distribution Engine (RDE).
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The RDE dissects each transaction, identifies all roles involved (consumer, merchant, referrer, issuer, charity), and then calculates and disburses each party’s share.
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Whether it’s cashback, referral income, equity points, VIP asset points, charitable allocations, or fees, the RDE processes them all under one unified set of rules. The result is a single source of truth for every transaction — auditable, transparent, and fully reconcilable down to the penny.
Partnering with MetaBank
The partnership with MetaBank was a pivotal milestone. Their trust and sponsorship gave ICH the bank-grade foundation it needed to operate securely and at scale.
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Together, ICH and MetaBank integrated this system into the financial fabric of the U.S. economy. MetaBank provided more than funding — it provided validation. Under the leadership of Brad Hanson, MetaBank became both a strategic partner and a model for how financial institutions and fintech innovators can collaborate to deliver value that benefits not just shareholders, but entire communities.
What Makes ICH Different
Most loyalty or payment systems operate in closed loops, designed to keep value trapped within their own networks. ICH, however, was built to be open-loop from the beginning — interoperable across platforms, processors, and industries.
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It doesn’t matter whether a payment originates from a bank card, an app, or a loyalty wallet — ICH normalizes the data, applies the business rules, and routes the correct amounts to the correct parties.
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The magic lies in the Revenue Distribution Engine (RDE) — a programmable, rules-based system that can split any dollar into fractional ownership, charity, equity, or loyalty points. It transforms what was once a private transaction into a shared economic event.
Technology Today — and Tomorrow
AI-assisted anomaly detection to self-correct and optimize payout policies.
Blockchain-secure logging to ensure tamper-proof transaction records.
Spectrum-grade wireless integration to extend clearing capabilities to millions of connected devices and edge environments.
Today, ICH operates with real-time APIs, encrypted data flows, and GAAP-ready ledgers accessible through partner dashboards. It supports live settlement tracking and full audit trails, ensuring that every participant is accountable and every transaction is transparent.
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But the evolution continues. The next generation of ICH technology includes:
In short, ICH is building the digital framework for the next generation of commerce, where data, money, and ownership move together seamlessly.
WeSave and ICH
WeSave is the exclusive open-loop loyalty platform powered by ICH’s Revenue Distribution Engine. Every time a WeSave member makes a purchase, the transaction is routed through ICH, where all value splits — cashback, referral income, equity and VIP points, and charitable allocations — are calculated and distributed automatically.
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ICH provides the proof of fairness and accountability — it is the engine that transforms every transaction into a verifiable act of shared ownership.
The Bottom Line
Clearinghouses once turned banking into a national network. ICH is now doing the same for retail commerce and loyalty, transforming everyday transactions into measurable, transparent value for everyone involved.
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With MetaBank as its marquee funding partner and WeSave as the public-facing platform, the International Clearinghouse (ICH) stands at the center of a new economy — proving that commerce can be fair, transparent, and wealth-building for all.