1/21

VoisiCardFull Stack Banking Solution for Telcos

voisicard.com

Transfer moneyas easy as

instant messaging

No bank fees

2/22

voisicard.com

We are software company.

No bank licenses needed

3/21What it is

Payment system Payment platformPlatform — is a base of technologies on which

other systems and products are built.

International money transfer International money transferLoans

SavingsCustomer Intelligence

4/21

AT&T

Vodafone

Bharti Airtel

SoftBank

China Mobile

VoisiCard employes distributed public ledger connecting telcos’ billing systems

Telcos have ability to transfer funds directly from billing to billing in real time cross borders at mid-market rate

hoW it Works

5/21

User in USA

AT&T

Vodafone

Bharti Airtel

SoftBank

China Mobile

User in UK

User in India

Company in China

Company in Japan

VoisiCard optimizes number of bank transactions between telcos & collects customer intelligence

For N operators N–1 settlement bank transactions at mostFor example for 5 telcos only 4 bank transactions

hoW it Works

6/21hoW it Works in details

Authorisation $0.5 $0.5 $0.5

AT&Tbilling

VoisiCardDistributed

PublicLedger

Daily Transactions Volume between AT&T and Telstra

Single settlement bank transaction for $2200 from AT&T to Telstra

Alice Bob

Hold Alice funds:$0.5 payment

$1000

$800

$2000

Add Bob funds:$0.5 payment

from Alice

Telstrabilling

7/21hoW it Works in more details

How transactions are setteled?

Alice Alice Alice

Carol Carol Carol

Dan Dan Dan

Bob Bob Bob

Carig Carig Carig

Erin Erin Erin

$0.5 $6 $60

$900,000 $10,000 $1

$856,789

IOU $43,210.5from UK to US

IOU $3,572.5from IN to UK

IOU $44,388.5from IN to US

IOU $46,783from IN to UK

Optimizing IOUs:2 bank transactions instead of 9

IOU $1,178from IN to US

$56,789 $1,239

8/21hoW transferWise Works

Alice from US sends $0.5 to Bob in Australia

1. Money moved from Alice toTransferWise US bank account

2. TransferWiseuses Currency Cloud for FX and international money transfer

3. Currency Cloud updates ownaccounting records

4. Currency Cloud addsmoney to TransferWise

Australian bank account

5. TransferWise sends money toBob's Australian bank account

$0.5 + fee $0.5

$0.5 + fee $0.5 + fee

TransferWise takes 4 bank transactions to move money

9/21Use case: P2P

AT&T and Verizon set transaction fees for their subscribersJust like Intercarrier SMS works

10/21Use case: B2c

AT&T sets incoming transaction fees for their corporate subscribersJust like payment system does

11/21Use case: remittance

AT&T and Telmex set remittance fees & exchange rates for their subscribersJust like money transfer company does

12/21Payment tyPe

Bank PaymentNot user friendly

+

Direct Telco BillingUser friendlyNo 3rd parties

No bank fees for TelcosCredit/Debit Card Billing3rd party systems with fees

& monthly payments

13/21

3rd Party Belongs to Telco

oWnershiP

14/21

Capital ExpenditureSoftware

Specialised HardwareIntegration costs

Non-capital InvestmentPC-grade Hardware

Integration costs

investments

15/21

Centralized & Proprietary Distributed & Open-Source

infrastrUctUre

16/21

B2C & P2P B2C, B2B, P2P

Payments

17/21transaction cost valUe for telcos

Non-free Free

18/21fraUd Prevention

Data Analysis Data Analysis + Voice Biometrics

19/21revenUe streams for telcos

Payment Fees Payments Fees+

Additional financial products:P2P Loans,

Algorithmic Investments,Customer Intelligence

20/21revenUe examPle: fees

Annual average americancitizen total spendings:

20,400 USD*

Existing annual telco revenue per person:

732 USD**

Projected annual telco revenue per person with VoisiCard:

1212 USD=

* Annual expenditures per person, 2013: bls.gov/news.release/cesan.nr0.htm

** Average annual spending on cell phone bill, 2013: wsj.com/news/articles/SB10001424052702304704504579429592281584078

Transaction fee 2 %732 USD

+480 USD

21/21revenUe examPle: remittances

4.46

Sending 200 USD from US to Mexico

8.92 <1h

SERVICETOTAL COSTPERCENT (%)

TOTAL COST(USD)

TRANSFERSPEED

Delgado Travel

3.16 6.32 Next dayViamericas

3 6 InstantVoisiCard

Information provided by remittanceprices.worldbank.org/en/corridor/United-States/Mexico