LPI Pitch Deck

LPI

The Payment Network of the Future Find out more at: Entoro.offerboard.com | LODEpay.com © Copyright 2021 LODE Payments International LLC

LPI

A Global First LODE Payments International LLC (LPI) is the first FinTech solution that utilizes Blockchain protocols to create a universal, multi-asset, payments platform to challenge the current payments industry.

LPI

Mobile Wallets: The Banks of the Future

In the US, digital wallet users are surpassing the number of deposit account holders at the largest financial institutions.

Digital wallet companies are set to upend traditional banking by activating 6 billion . mobile phones for a fraction of the cost of traditional institutions by 2025.

Apps like PayPal and Venmo amassed roughly 60 million active users organically in the last 7 and 10 years, respectively, that took J.P. Morgan more than 30 years to reach.

LPI

In the US, Digital Wallet Adoption is Occurring 2x Faster than Social Media With network effects that appear stronger than those of social media, digital wallets are penetrating different age groups in the US in half the time that it took social media 10 years ago. The next generation of users are bringing their parents into the new age of digital banking.

*Note: Pewresearch.org did not release data on the social media adoption in the US for the year of 2007. Source: ARK Investment Management LLC, 2019. “2018 TSYS U.S. Consumer Payment Study” TSYS.com TSYS. 18 April 2019. “Social Media Fact Sheet”.

Pewresearch.org. Pew Research. 12 June 2019.

Social Media Adoption in the US: 2006-2012

Peer-to-Peer Payment Services Adoption in the US: 2017-2018

LPI

Mobile Wallets: Cheaper CAQ | Bigger Value One of the primary drivers of the explosive growth in digital wallets is lower customer acquisition costs. ●

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Traditional financial institutions often pay into the $1000’s for the acquisition of a new customer.

Mobile Wallet companies invest $20 on average for acquisition new users, thanks to viral payment ecosystems, savvy marketing strategies, and dramatically lower cost structures.

According to research conducted, it can be estimated the average lifetime value of an acquired user is $20,000.

Forecasts are inherently limited and cannot be relied upon.

Source: ARK Investment Management LLC, 2020 based on data sourced from: Offline/Online Commerce assumes digital wallet captures 5% lead generation fee for 100% of offline and online average US consumer retail spend. Insurance assumes digital wallet captures 10% lead generation fee of average insurance revenue per US consumer. Saving and Spending Account assumes digital wallet captures spread between interest and risk-free rate for average balance of US transaction accounts as defined by the Federal Reserve. Offline and Online Payments assumes digital wallet captures fee standard exempt debit interchange revenue of 100% of offline and online average US consumer retail spend. Personal credit assumes 6% revenue yield on average consumer debt of US consumer. Mortgage assumes 10% lead generation fee on average revenue per mortgage per average US consumer. Brokerage assumes digital wallet captures net interest and fees (excluding commissions) revenue from average US brokerage consumer.

LPI

A 4.6 Trillion Dollar Opportunity in Your Pocket Ultimately, the digital wallet opportunity could be worth more than $4.6 Trillion according to ARK Investment Management LLC. LPI is already operating in the market with its proprietary LODEpay Mobile Wallet, allowing people to seamless manage their crypto, and fiat.

LPI

The LODEpay Wallet TODAY Buy, Send, Spend, and Store Digital Assets Fiat Wallet and ACH Enabled Payment Processing for Merchants Online Peer to Peer Enabled Purchase Digital Stable Assets

LPI

LODEpay Digital Gold and Silver: Universal Payments, A Timeless Standard LODEpay is the only platform that enables individuals and merchants to conduct business, preserve wealth, and send funds for net zero cost using native silver and gold backed assets (ie AGX/AUX Coins) along with the other supported assets such as, ETH, USDC, SYSCOIN and BTC – a global first in the mobile wallet industry.

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Gold and silver are a universally recognized standard Excellent hedge against inflation Long standing history as a monetary medium of exchange Allow for low-cost instant settlement

LPI

The LODEpay Mobile Wallet

Tomorrow Pay Bills with Crypto

Instant Settlement to X currency

Crypto Payments Processing

Point of Sale Terminals

Buy Derivatives

Digital Identity as a Service

Buy, Digital Assets

Social Payments (Venmo)

Buy Equities

Fiat Payments Processing

Developer/ Business SDK

Peer 2 Peer Fiat or Crypto

LPI

Bringing Merchants into the Digital Era Major players like Paypal and Visa have already begun to integrate stablecoins such as USDC into their services.

However, LODEpay’s suite of Merchant Services (in development) is the only one that fully unlocks a unified traditional and digital experience for businesses.

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Digital Payments QR Code Payments Traditional Payments Processing Instant Settlement to Chosen Base Currency Instant Settlement with Stablecoins Deposit to Bank Account Unified Digital and Fiat Payment Terminals Lower Fee’s No Chargebacks Reduced Fraud

LPI

Revenue Streams Through its compelling and competitive platform offering, LODEpay will leverage the following revenue streams.

White Labelling

In APP Merchant Advertising

Bank Transfers Fees

Card Programs

CC Asset Purchasing Fees

Commercial Transaction Fees

Asset Listing

Crypto Bill Payments

Crypto to Crypto Swap Fees

LPI

Our Vision To connect general consumers, small businesses and the underbanked to a financial system that will better serve their needs. Active in over 135 countries, LPI provides its users with:

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Financial Inclusive Mobile Wallet Technology

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Easy Access to Blockchain Assets, Gold and Silver

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Traditional Payments Processing

Instant Settlement for Merchants

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Cross Border Payments

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Permissionless Distributed Ledger Technology Development

Active in over 135 countries, LODEpay has over 7500 users in its beta program

LPI

The LODEpay Advantage

Fiat Payments Buy Digital Assets Crypto Payments Peer 2 Peer Native Assets

Wealth/Money Management

LPI

Your Opportunity To Get In On The Payments Network Of The Future LPI is already generating revenues from the existing users on its platform and accessing the $4.6 trillion market with its proprietary LODEpay Mobile Wallet. Today, you have the opportunity to invest in one of the most up and coming disruptors in the FinTech space.

LPI

What’s in it for the Investors?

Reg D fund raise for $11M (4M Shares at $2.75 USD with a 12-month conversion of 2 shares for 1 LODE Token (2:1).

LPI

Thank You LODE Payments International LLC 435 12th Street West, Bradenton, Florida 34205 LODEpay.com