

THE OVERVIEW

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◊ New Edition of View from the Block published featuring Subramaniam Venkatraman, Senior Vice PresidentInvestorRelations&SpecialProjects.
◊ Aneweditionof Yellow BlockRoad's 03 2023released
November 111111
◊ AMA - WadzPay Chain with Mr. Stas Madorski, Senior Vice PresidentBlockchain Strategy as Speaker & Crypto Eri participated as Guest Host and Mr. Prakash Assudani Vice, PresidentMarketing &Communication asHost.
◊ Internal Engagement -A webinar on Mental Health was conducted jointly withGoDigit.
◊ Diwali Celebration and Internal Engagementatthe Indiaoffice.
◊ WadzPay announced its expansion to European Market by establishing a new entityinNetherlands.

December 111111
◊ InternalEngagement- WorldKindness Day (DonationDrive)
◊ WadzPay announced its strategic partnership with FinFan Vietnam to transform virtual asset-based paymentslandscape.
◊ New lnscope article released about Programmable Money. written by Mr. Sankarnayan L., Group Head-Product Innovation, Customer Engagement andDelivery.


"Taking on the Complex Hiring in a Blockchain-powered Tech Company" is the title of a newly published lnscope article written by Mr. Parag Patil, Senior Vice President and Group Head of Human ResourcesatWadzPay.
WadzPay announced partnership with BPKH, Indonesia's Hajj Finances Management Agency to provide cashless journeyforIndonesian Hajjpilgrims.
Blog published on "Revolutionising the financial services industryandourimpact throughblockchaininnovation"writtenby ArijitDas
New View from the Block published featuring Prakash Assudani, Vice President-Marketing&Communications.
◊ AMA-NewMarketSeriesinvitingMr.Amit Malik,PresidentJAPA (Japan, APAC. Australia)asspeakerandMr.Stas Madroski,SeniorVicePresidentBlockchainStrategy.
◊ New blog published on "Pioneering Asset Tokenization and Security in Banking Products"writtenbySathyaPrakash
◊ PublishedYellowBlockRoad, 04Edition withanendnotebyourFounderand GroupCEO,Mr. AnishJain.







'AMA RECAP
Asfinancialinstitutionsseekefficientcross-border payment systems and merchants embrace mobile-firstandQRcodepayments.thelandscape evolves. While certain countries like Vietnam. Indonesia. Philippines lead in digital payment adoption.others.likeThailandandSingapore.pave thewayinCentralBankDigitalCurrencyinitiatives. This dynamic environment offers specific opportunities.liketokenizationanddigitalwallets. compelling WadzPay to innovate and enhance customerpaymentexperiences.
WadzPay's journeyin the JAPAmarket
In our journey within the JAPA market. WadzPay. headquartered in Singapore. has a core focus on establishing the region as a leading hub for blockchain-based payment platforms. Recognizingtheimmenseopportunity.we'vebeen actively nurturing relationships with local companies. banks, and government agencies to solidifyourpositionasatrustedpaymentsolution. This involves delivering innovative technologies and tailored solutions while strictly adhering to regulatory standards. Emphasizing regulatory compliance and differentiated product offerings. we've achieved significant strides. forming three majorstrategicpartnershipsinthelast10months. OurpioneeringPilgrimprogram,markedbyanMOU with BPKHin Indonesia. isamarket-firstinitiative. Additionally. collaborations in Thailand and Vietnam. notably with FinFan. a key player in financial services. underscoreour commitmentto strategicalliances.Presently.ongoing discussions with banks and financial institutions in the Philippinesand Malaysiaalignwith our mission to evolve our offerings across our five product categories.notablyincludingDigitalWallets.
Regulationsin JAPA Market
Southeast Asia. fuelled by a pandemic-driven digital surge. anticipates a robust shift toward cashless payments. underlining a burgeoning consumer base of 623 million by 2030. Led by Indonesia's USO 130 billion online spending forecast. SEA's digital economy propels forward, backed by regulatory developments (as per e-Conomy SEA 2019 report by Google). Notable legislations likeSingapore'sPaymentServices Act streamline payment services. while Thailand's PaymentSystems Actunifieslicensing forfintech ande-paymentproviders.
Malaysia's e-money policies emphasize risk management. the Philippines aimstoenhancedue diligence. and Australia focuses on consumer protection in digital assets. Hong Kong's Virtual Asset LicensingRegime.effectivefromJune2023. emerges post-2022 crypto industry upheavals. These regulations aim to simplify market entry while mitigating transaction risks as the digital payments landscapeevolves acrossTaiwan.South Korea.andJapanintheJAPAregion.
Longterm outlook forJAPA Market
WadzPayaimstobealeadingforceinthe dynamic JAPA payment landscape, aligning with evolving trends. Our commitment involves continuous innovation in payment solutions. adapting to new technologies. and incorporating user-centric features. We're expanding across JAPA segments. tailoring services to local nuances and seeking partnerships. Building trust through regulatory compliance is key, alongside forging strategic alliances for ecosystem resilience. Strengthening our team presence across Singapore. Indonesia. Thailand. India. and beyond is vital for effective communityengagementandbusinessgrowth.
I HIRE HIGHLIGHT
:Join

Narendar Baddam Senior Full Stack Developer

Mr. Narendar Saddam joined WadzPay on 26th October2023.Hehasover10yearsofexperience with proven extensive skills in multiple areas, including development. delivery, training, and handlingcomplexfunctionalityprojects.Hebrings wide ranging exposure to object-oriented concepts, implementing high-performance front-end applications by adhering to coding standards, making the code reusable, and maintaining technical documentation for debugging.
He has successfully managed various projects, demonstrating a zeal for learning new technologies and gaining exposure in multiple domainssuchasTelecom,Travel,Marketing,and SCM.
Before joining WadzPay, he worked as an AccentureAnalyst.gainingvaluableexperienceat PennywiseSolutionsandIrisSoftware.Heearned his B.Tech (ECE) from Vathsalya Institute of ScienceandTechnologyandisbasedinIndia.





