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WARADARA We Secure. You trade

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WARADARA Financial Technologies Panama, South Africa

PROBLEM 1,7 BN UNBANKED

&

1,2 BN UNDERBANKED

MSMES Access to Credit High Cost Poor Customer Services Collateral Requirements Lack of Flexibility BANKING ALTERANTIVES Microfinance Institutions Mobile Money Services Pre-paid Cards Community Saving Group Pawnshops Informal Money Transfer P2P Lending Platforms Informal Credit Networks

ALTERNATIVES RISK Higher Fees Limited Customer Protection Potential Risk

BANKS Vertical/Horizontal Disintegration New Customer Demands Fintech Marginal Cost Minimised Legislative Impulse Internet Global Connectivity

UNBANKDED No Banking Services High Cost No documentation Assets but no collateral Low Trust in Banking Limited Financial Education

OPPORTUNITY Create new relationships and connections with unbanked/underbanked individuals (assist them to manage, share and organize their assets, money and finances in a simple and easy way)

At least, 3.5 bn people are using mobile devices to access a variety of services: Banks, Social Media, and eCommerce

CONNECTING PEOPLE TO CAPITAL

helping MSMEs and the unbanked who want inclusive banking services by reducing the transactions costs and providing a secure and easy-to-use experience unlike the traditional banking

Technology is transforming Banking experience and expectations A digital, branchless bank can thrive by changing the way that financial services are embedded into daily life

Half of the African population(700+ M) will use smartphones in 2025

SOLUTION

Financial Platform & BaaS OUR MISSION To make financial services available, accesible and affordable to unbanked and undeserved SMEs by reducing banking cost while proving a seamless customer experience.

OUR VISION We believe that everyone, anywhere, has the right to access money so that they can have the opportunity to raise their living standards.

OUR OBJECTIVES Reduce the barriers to financial inclusion Allow individuals and companies to engage more actively in the economy, while protecting their users’ rights.

Facilitate opportunities for the vulnerable by creating an inclusive, and secure financial platform from which they can access, receive, send, and manage money to raise their living standards.

OUR CUSTOMER 1,7 billion unbanked people 1. 5 billion underbanked SMEs +350 M customers in Southern Africa +125 M customers in Latin America SMMEs (99% of Latam & African businesses)

MARKET SIZE BANKING Financial Services: $ 26 trillion (2022), CARG 8,8% E-Payments market: $96 billion, CARG 15.5% Africa Fintech: $ 230 billion

MSMES Panama: 200.000+ companies out of 284.000 are MSMEs; Accounting for 49% of the employment In Latan& Caribbean, 96% of companies are MSMEs, accounting for 60% of the workforce As the Latam financial hub, Panama gives to over 125 million of inhabitants

In SA, over 1.5 million (54%) out of 2.6 companies are MSMEs; Only 34% (884.000) have a formal financial account in their business name. The SMEs account for 25% of total business loans SA's MSMEs contribute more than 40% of total GDP and account for more than 87% of all employment.

In Africa 80% of companies are MSMEs, accounting for 66% of the workforce South Africa has access to a market of 350 million people from the 16 countries of the Southern Africa Development Community.

SERVICES

Stage I: MVP Account opening KYC / Compliance Wallet Payment Processing Virtual Card

Stage II:HORIZONTAL INTEGRATION

Stage II: VERTICAL INTEGRATION

MicroLoans & MicroCredits Deposits

Stage III: BaaS Services

Remote documents signature Peer- To - Peer lending Business/Personal Management Investment Platforms Asset vault & validation Cross border trade eInvoicing Insurance services Financial Planning & Advisory Services Credit Financial Education

COMPETITION LATAM Nubank (Brazil) Mercado Pago (Argentina) Ualá (Argentina) Neon (Brazil) Inter (Brazil) Klar (Mexico) Albo (Mexico) Fondeadora (Mexico) Davivienda Móvil (Colombia) Nequi (Colombia)

AFRICA Kuda (Nigeria) Carbon (Nigeria) Paga (Nigeria) M-Pesa (Kenya, Tanzania) TymeBank (South Africa) Tala (Kenya, Tanzania) Branch (Nigeria, Kenya, Tanzania) Nomanini (South Africa) Zoona (Zambia, Malawi, Mozambique) KCB M-Pesa (Kenya) Bank-Zero (South Africa) Ubank (South Africa)

GLOBAL Revoult, Riple, Wise, Fidor, mBank, Moven, Simple, BigTech, Paypal

MICROFINANCE BANKS Grameen Bank (Bangladesh) Opportunity International (Global) Accion (Global) FINCA International (Global) Pro Mujer (Latin America) BancoSol (Bolivia) Compartamos Banco (Mexico) BancoEstado Microempresas (Chile) Credijusto (Mexico) Bayport Financial Services (South Africa)

BaaS Nymbus Standard Bank Dev Portal BBVA Open Platform Treezor Syntera Solaris Bank Nedbank API Marketplace

MONETIZATION REVENUES Revenues streams (stage I & II) Net Interest income Interchange Card processing Payment processing Account transactions Account Authorization KYC monitoring KYC Checks Ledger Asset Vault

COST Stage I: MVP Financial Platform Design & Deployment Technology & Infrastructure User testing and feedback collection Ongoing maintenance & updates Marketing & Promotion Website & App development Press release and media outreach Team consolidation Operative cost

Services and consulting Transaction fees Licensing Membership fees Advertising Data monetization Partnership Referral Programs Insurance services

ADDED VALUE FUNCTIONAL

Access to Credit.

Real-time payments Insurance products Financial Education Social Empowerment Asset Vault Operate across currencies & languages Real-time 24*7 operations Real-time financing

EMOTIONAL

TECHNOLOGICAL Biometric Onboarding User & device geolocation Data Encryption Digital signature of documents Blockchain network eCurrency API-centric integration Unequivocal Identification AI Scalability Interoperability

Empowerment Hope Dignity Confidence Community Inclusion

COMPETITIVE ADVANTAGES

Cloud Cost (free set up and maintenance) Financial Incentives & tokens Niche market Technology

Waradara is the perfect solution for the unbanked or unbanked MSME offering inclusive, affordable and state-of-the-art secure banking services at a fraction of the cost and painful experience of a conventional bank With our biometric onboarding, you can open an account, deposit, send and receive money, pay bills, access microcredit or sign documents without ever having to visit a physical branch. All secured via blockchain technology.

PROMOTERS Partner A: Global engineering company, with 20+ years in the IT industry, 500 + engineers and offices in 3 European countries A neo-bank software development expertise, with 30+ customers using their finance software, including UBS, Societe Generale, BNP Paribas, Royal Bank of Scotland and Raiffeisen Bank Partner B:

Person A:

European company specialising in technology developments, including blockchain, security, engineering and legal expertise Proven track record of development for leading incumbent European bank Partner C:

Serial technology Entrepreneur A private capital investment with a strong managerial and company licensed by the Financial financial background.Started up Services ConductAuthority-FSCA, and managed a series of digital, South Africa mobile and micropayment global business projects, with expertise in Investing, Corporate Structuring, and Asset Protection Person C: Person B: A global professional executive in various blue-chip companies A corporate executive with over for over 15 years. With 20 years of experience in finance, Entrepreneurial expertise, has deal structuring and business advised SMEs, governments and execution in Africa. Had worked as other businesses in various a senior executive for global blue CFO/COO advisory roles in chips companies Africa. Experience in deal Person D: sourcing, structuring, risk management, turnaround, and A corporate executive and serial development finance. entrepreneur with over 20+ years of global experience in technology, Strategy and Operations. Has advised European, American and African SMEs, institutions and corporates in executive roles.

CALL TO ACTION To partner with a Strategic lead investor to develop a seamless, cost-effective, inclusive, customerorientated digital banking solution for underbanked customers.

We're asking for a total of $ 1.5 M for our initial seed round, in exchange for equity; These funds can be aggregated in terms of parcels or Lots (Lot 1, Lot 2, Lot 3, etc) in fifty thousand dollars ($50,000)and one hundred thousand dollars ($ 100,000) under one or several investment vehicles.

JOIN US as

INDUSTRY PARTNER via Equity INVESTOR via Equity COLLABORATOR CUSTOMER BUSINESS ASSOCIATION