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1 Transforming Global Payments LEVERAGING BLOCKCHAIN TO CHANGE THE GAME MAY 2018

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Page 1: Transforming Global Payments · 2020. 1. 6. · The Global Payments Opportunity 3. Our Solution. MGVS6V5NPCFJPA4HRJ5 INTERNAL UJF44A2S75UC2 9 Who We Are. MGVS6V5NPCFJPA4HRJ5 INTERNAL

MGVS6V5NPCFJPA4HRJ5UJF44A2S75UC2 1INTERNAL

Transform ing Globa l Paym ents

LEVERAGING BLOCKCHAIN TO CHANGE THE GAME

MAY 2018

Page 2: Transforming Global Payments · 2020. 1. 6. · The Global Payments Opportunity 3. Our Solution. MGVS6V5NPCFJPA4HRJ5 INTERNAL UJF44A2S75UC2 9 Who We Are. MGVS6V5NPCFJPA4HRJ5 INTERNAL

MGVS6V5NPCFJPA4HRJ5UJF44A2S75UC2 2INTERNAL

Can Incum bents Innova te?

Page 3: Transforming Global Payments · 2020. 1. 6. · The Global Payments Opportunity 3. Our Solution. MGVS6V5NPCFJPA4HRJ5 INTERNAL UJF44A2S75UC2 9 Who We Are. MGVS6V5NPCFJPA4HRJ5 INTERNAL

$1.5B

$436B

May 2013 May 2018

Digital AssetsMarket Capitalization

2013-2018

3

Page 4: Transforming Global Payments · 2020. 1. 6. · The Global Payments Opportunity 3. Our Solution. MGVS6V5NPCFJPA4HRJ5 INTERNAL UJF44A2S75UC2 9 Who We Are. MGVS6V5NPCFJPA4HRJ5 INTERNAL

$1.5B

$436B

May 2013 May 2018

Digital AssetsMarket Capitalization

2013-2018

4

“Banks are Dead”

Page 5: Transforming Global Payments · 2020. 1. 6. · The Global Payments Opportunity 3. Our Solution. MGVS6V5NPCFJPA4HRJ5 INTERNAL UJF44A2S75UC2 9 Who We Are. MGVS6V5NPCFJPA4HRJ5 INTERNAL

$1.5B

$436B

May 2013 May 2018

Digital AssetsMarket Capitalization

2013-2018

5

“Regulation?”

Page 6: Transforming Global Payments · 2020. 1. 6. · The Global Payments Opportunity 3. Our Solution. MGVS6V5NPCFJPA4HRJ5 INTERNAL UJF44A2S75UC2 9 Who We Are. MGVS6V5NPCFJPA4HRJ5 INTERNAL

$1.5B

$436B

May 2013 May 2018

Digital AssetsMarket Capitalization

2013-2018

6

“Goldman Sachs Announces Plans for Digital Asset Trading”

Page 7: Transforming Global Payments · 2020. 1. 6. · The Global Payments Opportunity 3. Our Solution. MGVS6V5NPCFJPA4HRJ5 INTERNAL UJF44A2S75UC2 9 Who We Are. MGVS6V5NPCFJPA4HRJ5 INTERNAL

$1.5B

$436B

May 2013 May 2018

Digital AssetsMarket Capitalization

2013-2018

7

“Regulation is Coming!”

Page 8: Transforming Global Payments · 2020. 1. 6. · The Global Payments Opportunity 3. Our Solution. MGVS6V5NPCFJPA4HRJ5 INTERNAL UJF44A2S75UC2 9 Who We Are. MGVS6V5NPCFJPA4HRJ5 INTERNAL

MGVS6V5NPCFJPA4HRJ5UJF44A2S75UC2 8INTERNAL

Agenda

8INTERNAL

1. Who We Are

2. The Global Paym ents Opportun ity

3. Our Solu tion

Page 9: Transforming Global Payments · 2020. 1. 6. · The Global Payments Opportunity 3. Our Solution. MGVS6V5NPCFJPA4HRJ5 INTERNAL UJF44A2S75UC2 9 Who We Are. MGVS6V5NPCFJPA4HRJ5 INTERNAL

MGVS6V5NPCFJPA4HRJ5UJF44A2S75UC2 9INTERNAL

Who We Are

Page 10: Transforming Global Payments · 2020. 1. 6. · The Global Payments Opportunity 3. Our Solution. MGVS6V5NPCFJPA4HRJ5 INTERNAL UJF44A2S75UC2 9 Who We Are. MGVS6V5NPCFJPA4HRJ5 INTERNAL

MGVS6V5NPCFJPA4HRJ5UJF44A2S75UC2 10INTERNAL

San Francisco New York

London

TokyoSBI Ripple Asia

Sydney

Our Investors

Google Ventures

Luxem bourg

Com pany Overview

F O U N D E D 2 0 1 2

SingaporeMum bai

Page 11: Transforming Global Payments · 2020. 1. 6. · The Global Payments Opportunity 3. Our Solution. MGVS6V5NPCFJPA4HRJ5 INTERNAL UJF44A2S75UC2 9 Who We Are. MGVS6V5NPCFJPA4HRJ5 INTERNAL

MGVS6V5NPCFJPA4HRJ5UJF44A2S75UC2 11INTERNAL

Brad GarlinghouseCEO

Previous: Yahoo!

Our People

Chris LarsenExecutive Chairm anPrevious: Prospe r, E-

LOAN

Brynly Llyr Genera l Counse lPrevious: PayPal

Marcus TreacherSVP of Custom er Success

Previous: SWIFT, HSBC

Ron WillCFO

Previous: Yahoo!, Merrill Lynch

Asheesh BirlaSVP of Product

Previous: Thom son-Reute rs

Page 12: Transforming Global Payments · 2020. 1. 6. · The Global Payments Opportunity 3. Our Solution. MGVS6V5NPCFJPA4HRJ5 INTERNAL UJF44A2S75UC2 9 Who We Are. MGVS6V5NPCFJPA4HRJ5 INTERNAL

MGVS6V5NPCFJPA4HRJ5UJF44A2S75UC2 12INTERNAL

O U R V I S I O N

The In te rne t of Value :Enable the world to m ove m oney like in form ation m oves today.

Page 13: Transforming Global Payments · 2020. 1. 6. · The Global Payments Opportunity 3. Our Solution. MGVS6V5NPCFJPA4HRJ5 INTERNAL UJF44A2S75UC2 9 Who We Are. MGVS6V5NPCFJPA4HRJ5 INTERNAL

MGVS6V5NPCFJPA4HRJ5UJF44A2S75UC2 13INTERNAL 13

O U R M I S S I O N

Rem ove friction from globa lpaym ents.

Page 14: Transforming Global Payments · 2020. 1. 6. · The Global Payments Opportunity 3. Our Solution. MGVS6V5NPCFJPA4HRJ5 INTERNAL UJF44A2S75UC2 9 Who We Are. MGVS6V5NPCFJPA4HRJ5 INTERNAL

WKEGKJJD6ITW3SPXJHEPMKFEX6ANMB7U 14

Snapshot of Our Growing Ne twork of 100 Custom ers

Page 15: Transforming Global Payments · 2020. 1. 6. · The Global Payments Opportunity 3. Our Solution. MGVS6V5NPCFJPA4HRJ5 INTERNAL UJF44A2S75UC2 9 Who We Are. MGVS6V5NPCFJPA4HRJ5 INTERNAL

MGVS6V5NPCFJPA4HRJ5UJF44A2S75UC2 15INTERNAL

The Globa l Paym ents Opportun ity

Page 16: Transforming Global Payments · 2020. 1. 6. · The Global Payments Opportunity 3. Our Solution. MGVS6V5NPCFJPA4HRJ5 INTERNAL UJF44A2S75UC2 9 Who We Are. MGVS6V5NPCFJPA4HRJ5 INTERNAL

MGVS6V5NPCFJPA4HRJ5UJF44A2S75UC2 16INTERNAL

New Custom er Dem ands

On-demandReal-time

Global Elegant experience

Zero tolerance fordelays or failures

Low -cost

Page 17: Transforming Global Payments · 2020. 1. 6. · The Global Payments Opportunity 3. Our Solution. MGVS6V5NPCFJPA4HRJ5 INTERNAL UJF44A2S75UC2 9 Who We Are. MGVS6V5NPCFJPA4HRJ5 INTERNAL

MGVS6V5NPCFJPA4HRJ5UJF44A2S75UC2 17INTERNAL

Today’s Globa l Paym ents Infrastructure Cannot Mee t New Dem ands

Corresponden t & Liqu id ity Provide r

Sende r Rece ive r

Risk Cost Delays

Page 18: Transforming Global Payments · 2020. 1. 6. · The Global Payments Opportunity 3. Our Solution. MGVS6V5NPCFJPA4HRJ5 INTERNAL UJF44A2S75UC2 9 Who We Are. MGVS6V5NPCFJPA4HRJ5 INTERNAL

MGVS6V5NPCFJPA4HRJ5UJF44A2S75UC2 18INTERNAL

No Single Experience to Move Money Globa lly

Page 19: Transforming Global Payments · 2020. 1. 6. · The Global Payments Opportunity 3. Our Solution. MGVS6V5NPCFJPA4HRJ5 INTERNAL UJF44A2S75UC2 9 Who We Are. MGVS6V5NPCFJPA4HRJ5 INTERNAL

MGVS6V5NPCFJPA4HRJ5UJF44A2S75UC2 19INTERNAL

Globa l Paym ent Dem and on the Rise as Globa l Banking Reach Decreases

2002

26

2007

19

2005

22

2010

18

2012

14

2003

25

2013

13

2014

12

2015

12

225

176

145

113

55

82.5.25

CorrespondentBanking

Relationshipsin thousands

GlobalE-CommerceSalesin b illions

Page 20: Transforming Global Payments · 2020. 1. 6. · The Global Payments Opportunity 3. Our Solution. MGVS6V5NPCFJPA4HRJ5 INTERNAL UJF44A2S75UC2 9 Who We Are. MGVS6V5NPCFJPA4HRJ5 INTERNAL

MGVS6V5NPCFJPA4HRJ5UJF44A2S75UC2 20INTERNAL

Our Solu tion

Page 21: Transforming Global Payments · 2020. 1. 6. · The Global Payments Opportunity 3. Our Solution. MGVS6V5NPCFJPA4HRJ5 INTERNAL UJF44A2S75UC2 9 Who We Are. MGVS6V5NPCFJPA4HRJ5 INTERNAL

MGVS6V5NPCFJPA4HRJ5UJF44A2S75UC2 21INTERNAL

1Real-Tim e , Certa in Globa l Paym ents

Ripple API

Liqu id ity

Governance

Rule Se ts

Messaging

Se ttlem ent In frastructu re

xCurren t

Page 22: Transforming Global Payments · 2020. 1. 6. · The Global Payments Opportunity 3. Our Solution. MGVS6V5NPCFJPA4HRJ5 INTERNAL UJF44A2S75UC2 9 Who We Are. MGVS6V5NPCFJPA4HRJ5 INTERNAL

MGVS6V5NPCFJPA4HRJ5UJF44A2S75UC2 22INTERNAL

2On-Dem and Liqu id ity in Em erging Marke ts

BRAZIL

MEXICO

INDIA

PHILIPPINES

Ripp le API

Liqu id ity

Governance

Rule Se ts

Messaging

Se ttlem ent In frastructu re

xRapid

Page 23: Transforming Global Payments · 2020. 1. 6. · The Global Payments Opportunity 3. Our Solution. MGVS6V5NPCFJPA4HRJ5 INTERNAL UJF44A2S75UC2 9 Who We Are. MGVS6V5NPCFJPA4HRJ5 INTERNAL

MGVS6V5NPCFJPA4HRJ5UJF44A2S75UC2 23INTERNAL

3One In te rface for Paym ents Across Ne tworks Ripple API

Liqu id ity

Governance

Rule Se ts

Messaging

Se ttlem ent In frastructu rexVia

Page 24: Transforming Global Payments · 2020. 1. 6. · The Global Payments Opportunity 3. Our Solution. MGVS6V5NPCFJPA4HRJ5 INTERNAL UJF44A2S75UC2 9 Who We Are. MGVS6V5NPCFJPA4HRJ5 INTERNAL

GZ2T3MYZA5F3SSZUEPP7LM73SBF2IK66 24

OnePay FX Introducing Instant Payments to Consumers

Page 25: Transforming Global Payments · 2020. 1. 6. · The Global Payments Opportunity 3. Our Solution. MGVS6V5NPCFJPA4HRJ5 INTERNAL UJF44A2S75UC2 9 Who We Are. MGVS6V5NPCFJPA4HRJ5 INTERNAL

GZ2T3MYZA5F3SSZUEPP7LM73SBF2IK66 25

40+ Central banks

Regulators

Policy makersRelationships Globally

Regulatory and Policy Engagement

Page 26: Transforming Global Payments · 2020. 1. 6. · The Global Payments Opportunity 3. Our Solution. MGVS6V5NPCFJPA4HRJ5 INTERNAL UJF44A2S75UC2 9 Who We Are. MGVS6V5NPCFJPA4HRJ5 INTERNAL

MGVS6V5NPCFJPA4HRJ5UJF44A2S75UC2 26INTERNAL

Globa l Paym ents Today

Fragmentation Risk Cost Delays

Page 27: Transforming Global Payments · 2020. 1. 6. · The Global Payments Opportunity 3. Our Solution. MGVS6V5NPCFJPA4HRJ5 INTERNAL UJF44A2S75UC2 9 Who We Are. MGVS6V5NPCFJPA4HRJ5 INTERNAL

MGVS6V5NPCFJPA4HRJ5UJF44A2S75UC2 27INTERNAL

Globa l Paym ents with Ripple

XRP

No Risk Low Cost Instant One API

Page 28: Transforming Global Payments · 2020. 1. 6. · The Global Payments Opportunity 3. Our Solution. MGVS6V5NPCFJPA4HRJ5 INTERNAL UJF44A2S75UC2 9 Who We Are. MGVS6V5NPCFJPA4HRJ5 INTERNAL

GZ2T3MYZA5F3SSZUEPP7LM73SBF2IK66 28

Demons trated product -market fit modernizing global payments infras tructure.

Traction with 100+ cus tomers and the only blockchain products us ed commercially.

Changing the indus try from within .

01

Ripple is Leading the Blockchain Industry

02

03