The Trivago of Payments - Payments Optimiser Engine, currently front runner for Singapore Deep Tech Alliance SDTA winner. See: https://www.digitalnewsasia.com/business/singapore-deep-tech-alliance-announces-xnode-powered-venture-builder

1. 1
‘The Trivago of Payments’
Investment Opportunity
Document
https://www.fluidfintec.com/

2. www.companyname.com
Global Market Overview
2
Top 10 EcommerceMarkets by country...
3. UK
99 B
China : 15.9% UK: 14.5 % S. Korea: 9.8% Germany: 8.4%
The B to C payments market is predicted be worth
$4.82 Trillion by 2026*. With COVID 19 most businesses
have to go online or perish.
5. Ger.
73 B
6. Fr.
43 B
9.
Rus.
30 B
4. Jap.
79 B
2. USA
340 B
7.
S. Kor.
37B
8.
Can
30 B 1.
China
672 B
10.
Bra.
19 B
Top markets for E-Commerce: sales as a % of total retail sales…
Top Payment Methods:
1. Digital Wallets
2. Credit/Debit Cards
3. Internet Banking
Fluid
Target
Markets
Growth
12.5%
Fluidfintec.com

3. User Journeys...Emily and Sunil
Thinks
what’s the
best way to
pay?
GooglePay 0.32c
Debit card 0.02c
Credit card 0.45c
ApplePay 0.46c
Cash ATM charge $20
E 0.50c
Emily flies to Kiev,
Ukraine
Her best payment
method is displayed and
she pays for her coffee
All available payment
types presented with all
costs clearly shown
She goes for coffee 3 Remembers her
Fluid app gives
her the best options
for her.
1 2 4 5
Thinks
what’s the
best way to
send money
back to his
parents ?
A- Shop payment
Based on your
requirements the best
payment option for
you is X ..this is the
fastest to clear
and lowest compared to
the others .Proceed?
Sunil moves
to Dublinand
starts working.
Opens a bank account
with AIB
Remembers his
Fluid app gives the
best options for
him.
Sunil sends the
money which can be
then collected at
local merchant store
1 All available payment
types presented with all
costs clearly shown
2 3 4 5
B- Remittance Payment
fluid
fluid
fluid

4. In short we are are providing some intelligence and fair play for
those entities who are actually generating the revenues
Fluid Team – Targeting merchants operating in
these poorly served business verticals
i.e. those that do not satisfy the antiquated risk assessment systems
used in traditional financial systems, thorough the provision of
the following qualities in our merchant services package..
Timely
Transparent
Accessible
Facilitating
Financial
Services
8% CAGR
Drop
Shippers
29.5% CAGR
Health
Products
20.6% CAGR
Travel
CAGR 14.8%
Exclusion
zone
for
these
businesses
as
erected
by
standard
financial
institutions
Fluid Total Addressable Market $1.938 billion
*CAGR = Compund Annual Growth Rate . Figures to
2023 and 2025
Exclusion
zone
for
these
businesses
as
erected
by
standard
financial
institutions
4

5. www.companyname.com
Issues preventing good business in the e-commerce payments world ….
➜ The businesses that cannot use Stripe or Paypal*
who can be treated badly by acquiring banks
➜ Many shut down by payment companies and
platforms such as Shopify if they do not conform
to ever changing rules
➜ One shut down when turning over €75 K a day
during COVID 19 crisis selling digital thermometers
➜ Lack of trust and slow for new business types
➜ Archaic methods for gathering data .
➜ Do not have the resources to keep up with
demand
➜ Underwriting departments out of sync with sales
departments
The Merchant Acquirer
Divide
Lack of trust
Old Systems
Traditional
Paying high rates
Onboarding time
Continuity
The Main
Issues
5
.
Merchants Acquiring Banks

6. www.companyname.com
6
The Fluid Solution – Online Matching for Payments
Fluid Platform – Always
providing the perfect match
for making money
The Trivago for
Payments
Merchants Acquirers
Customers
Online
Purchases
Categories Acquirer
Requirements
Algorithm processes information
instantly providing the best matches
Compliance
Stability
Risk
Minimisation
Merchant
Requirements
1. The best
rates
2. Continuity
and
reliability
3. Business
empathy
4. Chargeback
and fraud
mitigation

7. www.companyname.com
Fluid Fintec - A Unique Combination of Ingredients
7
Least Cost Routing
Lowest friction least cost
solution between merchants
and acquirers.
Conformance
Built in rules engine ensures
merchant is compliant. Smart
contracts ensures adherence
to terms .
Tokenised Payments
Security, privacy, traceability
gift card, loyalty and wallet
options with token payments.
Global Accessibility
Merchants signing up can get
access to a network of global
payment solutions
Eliminating pain points and streamlining payments for all…..
POS & Mobile Pay
Omni-channel API first
approach means payment
medium is always
accommodated
Third Party Services
Plug in services such as drop
shipping providers catering
for market niches

8. www.companyname.com
Targeting Merchants
8
I S O’s
Merchant groups
Social Media
Stripe and Paypal
forums
Linked In
Campaigns
Trade
associations
We will use the following methods to target on-line merchants….
Key messaging: Best rates, Continuity of service, Cash advances, Industry Intelligence, Tokenised sales,
fastest on-boarding in the business, dynamic switching of acquirer and payment method based on
business changing needs.
Sales Generation via: Partnerships with card payment gateway providers, ecommerce platform
providers such as Big Commerce, Woocommerce, Magento. Merchant groups – linked in, specialist
forums, Influencers, Video bloggers, Facebook groups, Independent Sales Organisations
Fluid Merchant Ideation
Group

9. www.companyname.com
Targeting Acquirers
9
Payment Gateway Providers
Online Searches
Social Media
Merchants
Linked In
Campaigns
Professional
associations
We will use the following to target acquirers and financial institutions providing merchant services…
Key messaging : Access to the best merchants – proven credentials, KYC & performance vetted, fastest
onbaording in the beusiness, rules engined tuned to acquirer requirements with the ability to terminate
non-complying entities.
Sales Generation Via: Direct contacts with sales teams, Professional Groups, Linked In, Seminars, Live
demos and signup incentives.

10. www.companyname.com
Timeline Growing
10
2020 2021 2022 2023 2024 2025
Phase 1: Setting up
company structure, driving
sales, getting investment
€600,000
Phase 2: Obtaining EMI
license, developing
optimiser for intl. Payments
& Foreign Exchange
Phase 3: Further expansion
into US and preparing the
Company for going public
IPO
Agreements with NMI- 200
Acquirers
Trust Payments, Evo
Payments USA
Platform built
Pipit – WIP
Fluid Payments
Optimiser
Fluid Ice
Token
Forex and Intl.
Transfer
Products and Services
Successes
API for easy
integration
Plug &Play Licensing as a
service
Mobile
payments
network

11. This is a combination of €350, 000
required for regulatory capital for EMI
license plus €250,00 from Enterprise
Ireland HPSU status obtained
Serving high growth markets
with effective payment
solutions means high growth
Turnover € 6,109,345 million 2023
Invest € 600,000
Growth Rate Yr 2 -3 18.8%
Profit € 3,866,507 63% in year 3
Fluid Fintec Finances
11
Values converted to € 2021 2022 2023
venues Europe & UK 238,198 1,920,455 3,088,190
Revenues USA 214,139 1,152,648 3,021,195
Total Revenues 452,337 3,073,104 6,109,345
Central Costs 396,994 429,822 550,618
Costs Europe 1 4,136 330,117 564,073
Costs USA 308,172 660,234 1,128,146
Total Costs 859,402 1,420,173 2,242,837
Profit (407,066) 1,652,130 3,866,507
Profit Margin -89.99% 53.79% 63.29%
Surplus/Deficit yr. end 142,934 1,795,865 5,662,372

12. The Team
Aonghus’Oheocha :
CEO,
30 years delivering
cutting edge tech
solutions for Blue
Chips and
startups. Expert on
Banking DLT and
payments.
Klaus Sorensen:
COO,
More than 20 years of
business
development and
investment
experience
e-commerce and
commodity trading.
Darren Ong: Salesand
Marketing Director,
Ex -Vista. IBM, business
development. Sold his
first start up for $2 Mill
in 2002 Based in
Singapore heading
ASEAN drive.
Susan Kealy
: Human Capital
Human Resources
Market research,
customer
engagement, and
talent
management.
Alex Bean: Back End Dev,
Full stack development,
sovereign identity,
KYC and mobile
applications
Sanket Utekar
: Front End Dev
Lead developer,
Machine Learning,
Front end
development
fluid