PayCruiser Investor Pitch

Imagine a day without your credit card or bank account. How would you manage daily expenses like coffee, transportation, tuition, and rent? In the West, we often overlook the ease of transactions such as buying coffee, using an Uber, or autopaying rent. Yet, 4 billion people experience a vastly different reality.

Businesses face even greater challenges in receiving payments and thriving. As a result, cash becomes the sole option, despite the associated risks. Picture carrying $1000 in your pocket to pay rent across town — the vulnerability is clear, particularly in regions like Africa.

In this 4 trillion-dollar market, businesses and the unbanked await a solution that truly meets their urgent needs, particularly in West Africa, which has an unbanked population of over 360 million. A profound transformation in the payment landscape is essential, evident across all aspects of life in the region.

Introducing PayCruiser – the game changer. PayCruiser redefines payments with its innovative SaaS-based scalable payment infrastructure. Seamlessly empowering both businesses and individuals to effortlessly transact online or offline, anytime, anywhere.

In West Africa, a staggering 360 million people face obstacles in accessing banking and credit services, causing significant payment barriers. While options like Mobile Money, Orange Money, Free, and Wave Mobile Money aim to provide alternatives, the problem lies in the lack of connection between these mobile wallet apps, leading to challenges in interoperability and merchant processing. Furthermore, credit card payments using current solutions encounter a discouraging failure rate of more than 70%. Amidst these difficulties, cash remains the prevailing choice. But now, there is PayCruiser: the revolutionary solution ushering us into a comprehensive digital economy

This is where PayCruiser steps in and excels. Utilizing our patent-pending technology, we've transformed the vision of seamless, interoperable payments for both businesses and individuals into a reality throughout West Africa.

Let's talk numbers, as they speak volumes:

• Over 10,000 merchants operating under a 5-year contract agreement
• 700,000 users onboarded, and we're on track to reach the one million user milestone within 3 months
• Successfully secured 3-year government contracts with institutions such as SNHLM
• Diverse merchant base, spanning from local corner bakeries to franchise businesses, and even prestigious five-star hotel chains like Radisson Blu
• Our team boasts exceptional talent with strong ties and experiences in Africa
• We've forged strategic partnerships with industry giants like Visa, UBA, Orabank, and more...

These achievements are a testament to PayCruiser's commitment and impact in the region. And one more thing: A product that sells itself!!!!

Our objective for the year is clear: achieve a gross revenue of $6 million USD. What sets us apart is our position as pioneers in the market, offering a highly sought-after product and boasting a significant merchant base. Despite these advantageous circumstances, our commitment to this ambitious goal remains unwavering. That's why we've joined forces with Visa West Africa to devise a comprehensive roadmap for the next three months.

At the heart of our strategy is a key target: deploying 1000 interoperable POS devices to our registered merchants. Simultaneously, we're dedicated to expanding our end user base to 1 million individuals. This expansion empowers them to engage in seamless money transfers across different wallets, receive salaries, facilitate international payments from friends and family, and meet expenses such as rent – all effortlessly managed within the PayCruiser Mobile App.

In addition, we are currently raising $12 million to accelerate the expansion of our unique solution throughout the region. Our aim is to eliminate financial exclusion for the 360 million unbanked individuals in West Africa. With your valuable support, we are confident that our mission will undoubtedly achieve global success. Together, we can reshape the future of financial accessibility and empowerment. Thank you.

• AI, ML, Data and Analytic.
• AML, eKYC and On-Boarding Technologies.
• Authentication and Biometrics Technologies.
• BNPL, Credit and Lending.
• Cross Border Payments, Remittance and Digital Currencies.
• Digital Banking and APIs.
• Payment Processing, Schemes and Solutions.
• POS, Terminals, Self-Service and ATM’s.
• PSP's, Payment Gateways, Wallets and Checkout.
• Generative Payments Experience.