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THE PREPAID DIGITAL WALLET

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Do you know any way to send money instantly to someone?

To send and monitor the money you give to your child every week?

To pay your coffee instantly at the table without waiting for the waitress?

To pay at the supermarket without money, card or smartphone?

To shop online without giving away your card data and in only 2 steps?

WE WANT TO END ATM CASH WITHDRAWALS!!!

What is ?

that works like a prepaid mobile card

top up using

allows you to make instant money transfers...

to a contact* locally

... and to pay anything

locally online

THE MOST INTUITIVE & EASY WAY!*even if the receiver doesn’t have a account - viral!

it’s a digital wallet

phone - phone email SMS facebook

THE GREATEST PAYMENT REVOLUTION SINCE CREDIT CARDS!

PROMPT & FREE MONEY TRANSFERS BETWEEN USERS

THE DIGITAL WALLET. THE END OF MONEY AS WE KNOW IT

THE EASIEST AND MOST USER-FRIENDLY OF ALL PAYMENT SYSTEMS

TOP UP USING

DISPOSABLE ACCOUNTS (PRIVACY AND EASE-OF-USE)

5 SECONDS TO CREATE A NEW ACCOUNT (TRANSFERS TO NEW USERS) - VIRAL MECHANISM

PAY USING

WEB VERSION - ONLINE PAYMENTS WERE NEVER SO EASY AND FAST

(dumbphones)

Click!

?

Scan recipient’s QR code

Insert value

Insert PIN!

Recipient gets notification

5 SECONDS!

use in any website1

2

3

purchase anything with in 5 SECONDS!

Click!

Web (Tablet)

App

Web + Mobile Web + MobileMobile

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competition

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Web + Mobile

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Technology

Platform

Usability / Speed

Viral Mechanism

POS Integration

Points | Discounts | Rewards(Gamification)

Privacy

Security

Company Size(Investment | Scalability)

their business model

2,5%

2,0%

2,0%

> 2,5%*

> 2,5%*

* + 0,10€/ transaction + 30€/mo POS rent + Data (GSM) plan

user

seller

supplier

withdrawal fee

payment fee

interest (prompt)

1,5%

0,5%

6%** annual

0,5% 0,5%

1,5%

1,5%

free!

single bank account

the withdrawal fee (1,5%) will be charged whenever the user transfers it’s prompt balance to another bank

when the prompt balance is transfered to another (same bank) account, there are no fees applied - FREE!

*

* online banking

transfer fee between regular users 0%between regular accounts - no receipt emission

0%

our business model

user

seller

supplier

typical (bank) use

Ana Maria43 y.o.Teacher

Top Up

(online banking)

Pedro (son)17 y.o.Student

send money

the money never leaves the bank (partner)

+ Security

+ Liquidity (Bank)

- Fraud

instead of withdrawing cash on the ATM...

my bank account

online...

... and in the real-world

pay

the headache

Online Shopping

+ Debit Card not allowed for < 20€

Average Shopping Cart - 20€

70% of Customers pay in Cash

- Most people don’t have

- Insecurity and Mistrust (Bank Data)

- Unintuitive and Slow processes

Real-World Shopping

Money Transfers

- Only through IBAN/SWIFT (complex)

- Sender must inquire this data first (from receiver)

- Only available on the next working day (bank account)

- Real-Money on the 21st century?

- Change when we need it?

- Packed Wallets

- Card Fraud

- So many paper receipts!

- Carrying Money (Security?)

* PT example

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+

Opportunity

security & fraud

+ Password (Web & App)

+ PIN (4 digit)

+ Matrix Key

(PT Debit Card System) only has 4 Digit PIN

+ Monthly Limit on Transactions - 1000€ - Basic Account

+ Maximum Balance Allowed - 1000€ - Basic Account

+ Verified Account (Verified Data*) - No Limitations

*Bank or Postal Verification

+ Monitoring of Multiple Transfers to Single Accounts

+ Monitoring of Suspicious Withdrawals and Payments

+ Linking Mobile Numbers, and

+ Withdrawal always associated with Destination (Bank Account)

Automatic Invoice/Receipt Emission (Digital)+

POS Payments - Merchants ( Integration)

Mobile Number PIN

software integration with:

market distribution

-

when a payment* is completed...

the payment fee (0,5%) goes to the POS provider

therefore stimulating the distribution and development of solutions.

*we consider payments the money transfers between regular users and merchants - Invoice/Receipt Emission

How are we going to expand our network of merchants and

therefore users?

markets

-- HUGE ties with US- Favorable Regulations- Language (friendly)- Growing Fast

+85% Unbanked

- Physical Presence- Cheap & Quality Labour- Prepaid-friendly Market- Market Need- Connections

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- Language (friendly)- Prepaid Market- Fast Growing Economy- Investment Available- Connections

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- Language (friendly)- HUGE Market- BRIC- Latin America Entry- Tech Friendly

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what’s in it for our partners?

Growth in Brazil, México and Angola+It’s also a Product for the Unbanked (Large) Community

Money Transfers between users (same country) made Easy

2 Largest Markets in Latin America and 1 of the Largest African Markets

Solves a Big Problem in these communities

More accounts & More Users+A SUPER-promotion tool

Another reason to have an (partner) account

Market Advantage - No direct competition!

Profit+A (Large) piece of the Micro-Payments

Everything happens inside one BIG account

Money doesn’t leave the bank

No VISA or MasterCard (External) fees...

Banks...

TELCOs...

or POS providers