Waradara Financial Technologies

BANKING

MicrofinanceInstitutions

MobileMoneyServices

Pre-paidCards

CommunitySavingGroup

Pawnshops

InformalMoneyTransfer

P2PLendingPlatforms

ALTERNATIVESRISK

LimitedCustomer Protection

PotentialRisk

1,7BN UNBANKED

1,2BN UNDERBANKED

HighCost

PoorCustomerServices

CollateralRequirements

LackofFlexibility

BANKS

& Vertical/Horizontal Disintegration

NewCustomerDemands

Fintech

MarginalCostMinimised

LegislativeImpulse

NoBankingServices

HighCost

Nodocumentation

Assetsbutnocollateral

LowTrustinBanking

LimitedFinancial

Education

Createnewrelationshipsandconnectionswith unbanked/underbanked individuals(assistthemto manage,shareandorganize theirassets,moneyand financesinasimpleandeasy way)

Atleast,3.5bn peopleareusing mobiledevicesto accessavarietyof services:Banks, SocialMedia,and eCommerce

CONNECTINGPEOPLETOCAPITAL helping MSMEsandtheunbanked whowantinclusivebankingservices byreducingthetransactionscosts andprovidingasecureandeasy-to-useexperience unlikethetraditionalbanking

Technologyistransforming Bankingexperienceand expectations Adigital,branchlessbank canthrivebychangingthe waythatfinancialservicesare embeddedintodailylife

HalfoftheAfrican population(700+M) willuse smartphonesin2025

SOLUTION

OURVISION

OURMISSION

Tomakefinancialservices available,accesibleand affordabletounbankedand undeservedSMEsbyreducing bankingcostwhileprovinga seamlesscustomerexperience.

Webelievethateveryone,anywhere, hastherighttoaccessmoneyso thattheycanhavetheopportunity toraisetheirlivingstandards.

OUROBJECTIVES

Reducethebarrierstofinancial inclusion

Allowindividualsandcompaniesto engagemoreactivelyintheeconomy, whileprotectingtheirusers’rights. Facilitateopportunitiesforthe vulnerablebycreatinganinclusive, and securefinancialplatformfromwhich theycanaccess,receive,send,and managemoneytoraisetheirliving standards.

OURCUSTOMER

1,7billionunbankedpeople

1.5billionunderbankedSMEs

+350McustomersinSouthern Africa

+125McustomersinLatin America

SMMEs(99%ofLatam&African businesses)

MSMES

Panama:200.000+ companiesoutof284.000 areMSMEs;Accountingfor 49%oftheemployment

InLatan&Caribbean,96%of companiesareMSMEs, accountingfor60%ofthe workforce

AstheLatamfinancialhub, Panamagivestoover125 millionofinhabitants

MARKETSIZE

AFRICA& LATAM

FinancialServices:$26 trillion(2022),CARG8,8%

E-Paymentsmarket:$96 billion,CARG15.5%

AfricaFintech:$230 billion

InSA,over1.5 million(54%)out of2.6companiesareMSMEs;Only 34%(884.000)haveaformal financialaccountintheir businessname.TheSMEs accountfor25%oftotalbusiness loans

SA'sMSMEscontributemorethan 40%oftotalGDPandaccountfor morethan87%ofall employment.

InAfrica80%ofcompaniesare MSMEs,accountingfor66%ofthe workforce SouthAfricahasaccesstoa marketof350millionpeople fromthe16countriesofthe SouthernAfricaDevelopment Community.

EUR

target CUSTOMER

morethan13millionadultEUcitizensstill lackaccesstoformalfinancialservices Europe's23millionsmallerbusinesses represent99%ofallbusinessesand providearoundthree-quartersofalljobs

AccordingtotheEuropeanCommission's 2020SMEAccesstoFinancereport, nearly20%ofSMEs(over4,600,000 million)intheEUreporteddifficultiesin obtainingfinancingtailoredtotheir needs.

StageII:VERTICAL INTEGRATION

MicroLoans&

MicroCredits Deposits

StageIII:BaaS Services

StageI:MVP

Accountopening

KYC/Compliance

Wallet PaymentProcessing

VirtualCard

StageII:HORIZONTAL INTEGRATION

Remotedocuments

signature

Peer-To-Peer

lending

Business/Personal Management InvestmentPlatforms

Assetvault& validation

Crossbordertrade

eInvoicing Insuranceservices

FinancialPlanning& AdvisoryServices

CreditFinancial

Education

COMPETITION

LATAM

Nubank(Brazil)

MercadoPago(Argentina)

Ualá(Argentina)

Neon(Brazil)

Inter(Brazil)

Klar(Mexico)

Albo(Mexico)

Fondeadora(Mexico)

DaviviendaMóvil(Colombia)

Nequi(Colombia)

AFRICA

Kuda(Nigeria)

Carbon(Nigeria)

Paga(Nigeria)

M-Pesa(Kenya,Tanzania)

TymeBank(SouthAfrica)

Tala(Kenya,Tanzania)

Branch(Nigeria,Kenya,Tanzania)

Nomanini(SouthAfrica)

Zoona(Zambia,Malawi,Mozambique)

KCBM-Pesa(Kenya)

Bank-Zero(SouthAfrica)

Ubank(SouthAfrica)

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

ALTERNATIVE FINANCIALSERVICE PROVIDERS

MobileMoneyOperators

NeobankStart-up

PostalServiceProviders

NGOs,SocialService Providers

P2PPlatform

CDFIs

CreditUnions

PrepaidDebitCard Providers

MinorityOwnedBanks

ImpactInvestingOrg

CDCs

WomenFocused

FinancialProvider

GovernmentAgencies

ScholarshipFinancial Programs

UniversityPrograms

P2PPaymentProviders

MONETIZATION

COST

StageI:MVP

FinancialPlatformDesign& Deployment

Technology&Infrastructure

Usertestingandfeedback collection

Ongoingmaintenance&updates

Marketing&Promotion

Website&Appdevelopment

Pressreleaseandmedia outreach

Teamconsolidation

Operativecost

REVENUES

Revenuesstreams(stageI&II)

NetInterestincome Interchange

Cardprocessing

Paymentprocessing

Accounttransactions

AccountAuthorization

KYCmonitoring

KYCChecks

Ledger

AssetVault

Servicesandconsulting Transactionfees

Licensing Membershipfees

Advertising Datamonetization

PartnershipReferralPrograms Insuranceservices

TECHNOLOGICAL

BiometricOnboarding

User&devicegeolocation

DataEncryption

Digitalsignatureofdocuments

Blockchainnetwork

eCurrency

API-centricintegration

UnequivocalIdentification

AI

Scalability

Interoperability

ADDEDVALUE

FUNCTIONAL

AccesstoCredit.

Real-timepayments

Insuranceproducts

FinancialEducation

SocialEmpowerment

AssetVault

Operateacrosscurrencies& languages

Real-time24*7operations

Real-timefinancing

EMOTIONAL

Empowerment

Hope Dignity

Confidence

Community Inclusion

COMPETITIVE ADVANTAGES

Cloud

Cost(freesetupand maintenance)

FinancialIncentives& tokens

Nichemarket

Technology

Waradaraistheperfectsolutionfortheunbankedorunbanked MSMEofferinginclusive,affordableandstate-of-the-artsecure bankingservicesatafractionofthecostandpainfulexperience ofaconventionalbank

Withourbiometriconboarding,youcanopenanaccount, deposit,sendandreceivemoney,paybills,accessmicrocredit orsigndocumentswithouteverhavingtovisitaphysical branch.Allsecuredviablockchaintechnology.

PersonA:

PROMOTERS

PartnerA:

Globalengineering company,with20+yearsin theITindustry,500+ engineersandofficesin3 Europeancountries

Aneo-banksoftware developmentexpertise,with 30+customersusingtheir financesoftware,including UBS,SocieteGenerale,BNP Paribas,RoyalBankof ScotlandandRaiffeisenBank PartnerB:

Europeancompany specialisingintechnology developments,including blockchain,security, engineeringandlegalexpertise Proventrackrecordof developmentforleading incumbentEuropeanbank

PartnerC:

SerialtechnologyEntrepreneur withastrongmanagerialand financialbackground.Startedup andmanagedaseriesofdigital, mobileandmicropaymentglobal businessprojects,withexpertisein Investing,CorporateStructuring, andAssetProtection

PersonB:

Acorporateexecutivewithover 20yearsofexperienceinfinance, dealstructuringandbusiness executioninAfrica.Hadworkedas aseniorexecutiveforglobalblue chipscompanies

PersonD:

Aprivatecapitalinvestment companylicensedbytheFinancial ServicesConductAuthority-FSCA, SouthAfrica

PersonC:

Aglobalprofessionalexecutive invariousblue-chipcompanies forover15years.With Entrepreneurialexpertise,has advisedSMEs,governmentsand otherbusinessesinvarious CFO/COOadvisoryrolesin Africa.Experienceindeal sourcing,structuring,risk management,turnaround,and developmentfinance.

Acorporateexecutiveandserial entrepreneurwithover20+yearsof globalexperienceintechnology,Strategy andOperations.HasadvisedEuropean, AmericanandAfricanSMEs,institutions andcorporatesinexecutiveroles.

Topartnerwitha Strategiclead investortodevelopaseamless, cost-effective,inclusive,customerorientateddigitalbankingsolution forunderbankedcustomers.

We'reaskingforatotalof$1.5M forourinitialseedround,in exchangeforequity;Thesefunds canbeaggregatedintermsof parcelsorLots(Lot1,Lot2,Lot3,etc)infiftythousanddollars ($50,000)andonehundred thousanddollars($100,000) underoneorseveralinvestment vehicles.