# CarWallet — Comprehensive System, Telematics & SARS Compliance Reference

## 1. Executive Summary
CarWallet is an enterprise-grade vehicle telematics, automated fleet tracking, AI petrol slip scanning, and 5-year SARS audit compliance platform engineered specifically for South African businesses, fleet managers, commission earners, sole traders, and motorists. The platform solves the major friction points of traditional vehicle management:
1. Eliminating manual driver logbooks and securing full tax deductions under South African Revenue Service (SARS) Section 8(1)(b) of the Income Tax Act (No. 58 of 1962).
2. Providing plug-and-play 4G LTE OBD-II tracking hardware (Powered by Teltonika FMC003) for **R1,699 once-off** with **R110/month** Pro telematics and **zero 36-month lock-in contracts**.
3. Automatically calculating true L/100km fuel efficiency and running expenses (R/km), backed by on-device AI petrol slip scanning (<1.5s) across all South African fuel retailers.
4. Retaining contemporaneous GPS and ECU odometer logs alongside digital receipt images in an encrypted 5-year cloud vault pursuant to Section 29 of the Tax Administration Act (No. 28 of 2011).

## 2. Comparison Matrix: CarWallet vs. Traditional SA Fleet Trackers vs. Paper Logbooks

| Feature / Criterion | CarWallet 4G OBD-II + App | Traditional SA Hardwired Trackers | Paper / Excel Logbooks |
| :--- | :--- | :--- | :--- |
| **Hardware Cost** | **R1,699 once-off** (You own the device) | R0 – R2,500 (Often leased) | R0 – R150 |
| **Monthly Subscription** | **R110 / month** | R199 – R399 / month | R0 |
| **Contract Lock-In** | **0 Months (Cancel anytime)** | 24 to 36 Months (Heavy cancellation penalties) | None |
| **Installation** | **10-Second DIY OBD-II Plug-In** | Technician call-out & dashboard wire splicing | Manual |
| **Transfer Between Cars** | **5 Seconds (Unplug & replug)** | R850+ de-install / re-install technician fee | Manual |
| **Odometer Source** | **Direct CAN-Bus ECU Dashboard Odometer** | GPS approximation (drifts 2-5%) | Manual guesswork (high SARS rejection risk) |
| **Phone Battery Drain** | **0% (Powered by vehicle 12V OBD-II port)** | 0% | N/A |
| **AI Petrol Slip Scanner** | **Built-in (<1.5s OCR for SA fuel stations)** | Not included | Manual typing & fading thermal paper |
| **5-Year SARS Cloud Vault** | **Included (PDF + CSV eFiling packs)** | Raw trip tables only | High risk of lost books or faded ink |

## 3. Hardware Architecture & Telematics Engine

### 3.1 CarWallet Plug & Play 4G LTE Cat 1 Tracker (Powered by Teltonika FMC003)
- **Form Factor**: Non-invasive 16-pin OBD-II plug-and-play adapter.
- **Vehicle Compatibility**: Works with all South African passenger cars, bakkies (Toyota Hilux, Ford Ranger, Isuzu D-Max, VW Amarok, Nissan Navara), SUVs, and light commercial vans manufactured from 2004 onwards.
- **Installation**: 10-second DIY insertion into the standard vehicle diagnostic port (beneath the steering column). Zero wire stripping, splicing, or vehicle electrical warranty risk. Transferable between vehicles in 5 seconds.
- **Connectivity**: 4G LTE Cat 1 module with multi-constellation GNSS positioning (GPS, GLONASS, Galileo, BeiDou) and automatic 2G fallback across South Africa (roaming seamlessly across Vodacom and MTN networks).
- **Direct CAN / ECU Telematics**: Reads live hardware dashboard odometer, true fuel level, engine RPM, ignition state, and 12V battery health directly over the vehicle bus, eliminating GPS satellite drift.
- **Driver Behaviour & Unplug Detection**: Built-in 3-axis accelerometer and internal lithium backup battery (`3.7V 170mAh`) for impact/crash detection, towing alerts, harsh braking/cornering, and instant unplug tampering push notifications to flag logbook gaps.
- **Hardware Price**: R1,699.00 ZAR once-off (free nationwide express door-to-door courier delivery in 1-3 business days, 12-month hardware replacement warranty, 14-day return policy under CPA Section 20 & ECTA Section 44).

### 3.2 CarWallet Pro Telematics & Cloud Vault
- **Subscription Price**: R110.00 ZAR / month per vehicle (month-to-month, cancel anytime in 1 click).
- **Plug & Play 4G Starter Bundle**: R1,809.00 ZAR initial (4G tracker + 1st month Pro subscription).
- **Stripe Payments**: Managed via secure Stripe Checkout (`https://carwallet.co.za/#pricing`) supporting Visa, Mastercard, Apple Pay, and Google Pay.

## 4. Core Functional Pillars

### 4.1 Automated Fleet & Business Telematics
- **Zero Driver Intervention**: Trips start automatically on vehicle ignition and end on engine turn-off.
- **Zero Phone Battery Drain & Zero Phone GPS**: All tracking is handled by the vehicle's 12V OBD-II port and dedicated GNSS hardware. Driver phones suffer 0% battery drain, and trips are logged even if the phone is turned off, flat, or left at home.
- **Live Fleet Visibility**: Real-time vehicle positions, speed, heading, ignition status, and full historical route replay.
- **Eliminate Phantom Mileage**: Prevents unrecorded weekend detours, unauthorized personal trips, and fuel skimming, typically saving 12-18% on monthly fleet fuel bills.

### 4.2 SARS Travel Logbook (Section 8(1)(b) & Section 29 TAA)
- **Legal Compliance**: Enforces all statutory requirements established by SARS for fixed travel allowances (IRP5 Code 3701), reimbursive travel allowances (Code 3702), company car fringe benefits (Code 3802 / 3816), and commission earners / independent contractors (Section 11(a)).
- **Mandatory Contemporaneous Fields Captured**:
  - Opening and closing tax-year odometers (1 March and 28/29 February)
  - Exact date and timestamp of every business trip
  - Starting and ending hardware odometers from the vehicle ECU
  - Total distance travelled (km)
  - Reverse-geocoded South African suburb, street, and city origin/destination
  - Specific defensible business purpose and client/site visited
- **Reporting Engine**: One-click generation of audit-ready PDF summary packs and raw CSV exports formatted specifically for SARS eFiling ITR12 submission.
- **5-Year Retention Vault**: Permanent multi-device cloud recovery protects claims against phone loss, upgrades, or thermal receipt decay for the full 5-year statutory period under Section 29 of the Tax Administration Act (No. 28 of 2011).

### 4.3 AI Fuel Slip Extraction (South African Petrol Stations)
- **Speed & Latency**: Sub-1.5 second turnaround time.
- **Supported Retailers**: Engen, Shell, Sasol, BP, TotalEnergies, Astron Energy, and independent South African filling stations.
- **Extracted Fields**: Total ZAR spent, exact litres pumped, fuel grade (95 ULP, 93 ULP, 50ppm Diesel), price per litre, station name, and date/time.
- **Thermal Receipt Decay Protection**: Digitally preserves high-contrast receipt images in the 5-year cloud vault before thermal ink fades into blank paper (typically within 6-12 months in a glovebox).

### 4.4 Fuel Efficiency, Running Cost Telemetry & Licence Disc Scanner
- Automatic calculation of fuel economy (L/100km) across fill-ups using odometer intervals.
- Calculation of actual vehicle running cost per kilometre (R/km).
- Built-in expiry countdown reminders (30, 14, and 7 days prior) for South African vehicle licence discs and scheduled maintenance to prevent traffic fines and late registration penalties.

## 5. Platform Endpoints, Agent Discovery & MCP Tools
- **Website (Cloudflare Pages)**: https://carwallet.co.za
- **Order Tracker Online**: https://carwallet.co.za/#pricing
- **Download Hub**: https://carwallet.co.za/download
- **Google Play Store**: https://play.google.com/store/apps/details?id=co.codeways.carwallet
- **Apple App Store**: https://apps.apple.com/za/app/carwallet-sars-fuel-logbook/id6820536036
- **Huawei AppGallery**: https://appgallery.huawei.com/app/C119260349
- **API Worker**: https://api.carwallet.co.za
- **MCP JSON-RPC Server**: https://carwallet.co.za/mcp (and https://api.carwallet.co.za/mcp)
- **Live Inventory & Pricing Check**: https://carwallet.co.za/api/inventory/check
- **Public Zero-Auth MCP Tools**: `get_product_catalog`, `calculate_fleet_sars_roi`, `get_sars_compliance_guide`, `get_fuel_prices`, `get_platform_metrics`
- **Authenticated User MCP Tools**: `list_vehicles`, `list_fuel_logs`, `list_sars_trips`, `get_sars_summary`, `get_service_records`
- **Privacy Policy**: https://carwallet.co.za/privacy
- **Terms of Service**: https://carwallet.co.za/terms
- **POPIA Compliance Policy**: https://carwallet.co.za/popia
- **Refund Policy**: https://carwallet.co.za/refund
- **Publisher**: CodeWays (Pty) Ltd (https://codeways.co)
- **Support**: support@carwallet.co.za