HAZZA Network is "The Global Unified Payment Network". Our aim with Hazza is to "Revolutionize the entire payment ecosystem & Drive financial inclusion".

1. “THE GLOBAL UNIFIED PAYMENT NETWORK”
Building real economic value for Payment Market Participants

2. www.hazza.network Not to be copied/distributed without express permission
This document is an overview (“Overview”) of HAZZA. The Octo3 Foundation Limited (“Octo3 Foundation”) reserves the right to amend or replace any or all of the Overview at any time and
undertakes no obligation to update the Overview or to provide the recipient with access to any additional information.
Recipients are notified as follows:
Eligible purchasers: the information in this Overview is for prospective purchasers and is not intended to be received or read by anyone else.
No offer of securities: the HAZZA Token (as described in this Overview) is not intended to constitute securities in any jurisdiction. This Overview does not constitute a prospectus nor offer
document of any sort and is not intended to constitute an offer or solicitation of securities or any other investment or other product in any jurisdiction. Any offer or agreement in relation to any sale
and purchase of HAZZA Tokens is to be governed solely by a separate document setting out the terms and conditions of such agreement and may not be available to all persons.
No advice: this Overview does not constitute advice to purchase any HAZZA Tokens nor should it be relied upon in connection with, any contract or purchasing decision.
No representations: the Foundation makes no representation or warranty to the recipient or it advisers as to the accuracy or completeness of the information, statements, opinions or matters
(express or implied) arising out of, contained in or derived from this Overview or any omission from this document or of any other written or oral information or opinions provided now or in the future
to any interested party or their advisers. This Overview contains forward-looking statements that are based on the beliefs of the Foundation, as well as assumptions made by and information
available to the Foundation. No representation or warranty is given as to the achievement or reasonableness of any plans, future projections or prospects and nothing in this document is or should
be relied upon as a promise or representation as to the future. The Foundation expressly disclaims all liability for any loss or damage of whatsoever kind (whether foreseeable or not) which may
arise from any person acting on any information and opinions contained in this Overview or any information which is made available in connection with any further enquiries, notwithstanding any
negligence, default or lack of care.
Risk warning: potential purchasers should assess the risks and their own appetite for such risks independently and consult their advisors before making a decision to purchase any HAZZA Tokens.
Translations: this Overview and related materials are issued by the Foundation in English. Any translation is for reference purposes only and is not certified by any person. If there is any
inconsistency between a translation and the English version of this Overview, the English version prevails.
Property of the Octo3 Foundation: this Overview is the property of Octo3 Foundation and, by receiving it, the recipient agrees to not copy or distribute without the express permission of the Octo3
Foundation.
Unless otherwise stated, all references to “$” and “dollars” in this Overview pertain to United States dollars.
This Overview has not been reviewed by any regulatory authority in any jurisdiction. References in this Overview to specific companies and platforms are for illustrative purposes only. Other than
Octo3 Limited and Octo3 Foundation, the use of any company and/or platform names and trademarks does not imply any affiliation with, or endorsement by, any of those parties.
DISCLAIMER
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3. • Total payment transaction value is expected to be $70TN by 2025(1)
• The way it is managed is highly fragmented and complex causing
friction for consumers, merchants, market participants
(transaction fees could amount to $1.7TN by 2025)(2)
THE CHALLENGE
• We have a proven, secure, enterprise payment platform
• The founders collectively have 60+ years of payments and
technology experience
• We are creating a unified global payment network to drive a
seamless experience for all participants at a lower cost
THE SOLUTION
• Technology disruptions such as blockchain are revolutionizing
the industry – levelling the playing field through creating inclusion
and accessibility
• We have entered a ‘convenience-first’ era, creating huge
demand for a global unified payment network
THE OPPORTUNITY
Note: (1) Electronic transactions consist of online and offline payments by credit card, debit card, pre-paid card, eWallets
Note: (10and mobile payments, etc.
Note: (2) Total transaction value multiplied by estimated transaction fees captured by intermediaries (2.5%) = $1.7 TN
Source: Nilson Report (2016-2017), Persistence Market Research (2016)
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4. TABLE OF CONTENTS
The Challenge
The Opportunity
The Solution
HAZZA Senior Team
Octo3 Foundation
Project Timetable
Summary
Glossary
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5. THE CHALLENGE
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6. www.hazza.network Not to be copied/distributed without express permission
CONSUMERS MERCHANTS
$23.4TN $22.8TN
TERMINAL PROVIDERS (POS)
(in 2016) (1) (in 2016) (2)
Payments is a highly complex and fragmented market with
many intermediaries…
THE CHALLENGE
Note: (1) Total electronic transaction value paid by consumers in 2016. Total electronic transaction value paid by consumers is a projection based on current trends.
Note: (2) Total electronic transaction value received by merchants in 2016, after the intermediary fees charged by payment companies. Total electronic transaction value received by merchants is also a projection.
Source: Nilson Report (2016-2017), Persistence Market Research (2016)
Current State Inefficiencies: $585 BN
6
ISSUERS
ONLINE PROVIDERS
TECH SOLUTIONS
ALTERNATIVE PAYMENT METHODS
ACQUIRERS PAYMENT SERVICE
PROVIDERS
PAYMENT METHOD
PROVIDERS

7. www.hazza.network Not to be copied/distributed without express permission
…Caused by …
THE CHALLENGE
Typical physical
and online shops
CASH
Lack of Universal Acceptance
…resulting in the lack of universal acceptance for consumers
and merchants
Inefficient Layers of
Intermediaries
Fragmented
Technology Standards
Complex Multichannel
Implementation
Current State Inefficiencies: $585 BN (average 2.5% fees)
only 5 accepted
only 2-3
accepted
7
A leading global
eCommerce platform
CONSUMERS MERCHANTS
$23.4TN $22.8TN
(in 2016) (1) (in 2016) (2)
Note: (1) Total electronic transaction value paid by consumers in 2016.
Note: (2) Total electronic transaction value received by merchants in 2016, after the intermediary fees charged by payment companies.
Source: Nilson Report (2016-2017), Persistence Market Research (2016)

8. www.hazza.network Not to be copied/distributed without express permission
Disruption is creating new business models and economies
THE CHALLENGE
Disruptors Sector Incumbents
Media & advertising Newspaper, Traditional media
Travel &
accommodation
Hoteling groups, Travel agencies
Transport Car hire and taxi industry
Entertainment &
publishing
Video, music and multimedia rentals
Financial services Banks, traditional service providers
Retailing Department stores, brick and mortar retailers
Payment services
and economy
Credit card Cash
What is next for Payments?
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9. www.hazza.network Not to be copied/distributed without express permission
The birth of
The birth of the
Alliance
The birth of the
Association
First card
issuance in
China
Visa becomes
For-Profit
MasterCard
becomes For-Profit
The birth of
The birth of
Issuance of
first bitcoin
Release of
THE NEXT EVOLUTION
New technologies can breathe new life into a historically
proven model
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HISTORY
First credit card
issued by
The birth of
1950 1970 1980 2000 2010
FUTURE
Membership models have been successful,
however they:
• Are private alliances with expensive
membership fees
• Are an exclusive club for large players,
excluding market participants
• Result in a fragmented market, with high
barriers to entry
Emerging APMs and innovations are
mostly point solutions
• For B2C: Alipay, Wechat Pay or ApplePay
• For Inter-bank: Ripple
• Do not address: ecosystem and
interoperability
The birth of
SELECTED EXAMPLES
Payments market will need:
• An open & transparent
payment network – driving
global decentralization
• Run by members for
members – for anyone
and everyone
• Leveraging internet and
blockchain technology
////

10. THE OPPORTUNITY
10

11. SECTOR MOMENTUM • Aggressive acquisition of merchants and customers by
alternative payment methods (APMs)
• Ant Financial spent $4 BN in the last two years on
market entry
2BN BY 2036
GLOBAL PENETRATION – Alipay aims to reach a
global customer base of
• 77% increase from 2016 enabling digital payments
• PMPs are going omni-channel with different
underlying technologies (e.g. Visa payWave,
MasterCard Paypass, etc.)
6.8BN USERS GLOBALLY
DIGITAL ADOPTION – By 2022, smartphone
penetration is expected to reach
Sources: Goldman Sachs (2017), Nilson Report (2016-2017), Persistence Market Research (2016), Euromonitor (2017), McKinsey (2016), Ripple Insights
(2016), Boston Consulting Group (2015), eMarketer (2016), China Daily (2016), Ericsson (2017), iResearch Global (2016), Boston Globe (2017), CNBC
(2017), Economic Times (2017), TechCrunch (2017), Reuters (2017)
OF ALL CONSUMER
TRANSACTIONS (2016)
• High barriers to entry for merchants, consumers
and APMs
• New technologies enabling financial inclusion
FINANCIAL INCLUSION – Third world economies,
cash is used for
70%
• China’s mobile payment transaction value grew by
145x in the last 5 years
• Payment intermediaries is a $585 BN business and
estimated to grow to $1.7 TN by 2025
$70TN BY 2025
CASHLESS PAYMENTS – The non-cash
transaction value is expected to exceed
Harnessing the
explosive growth and
innovation in the
payments industry
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12. www.hazza.network Not to be copied/distributed without express permission
Universal acceptance could be realized through a democratized
payment platform
THE OPPORTUNITY
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…to an open payments economy
From a closed payments economy…
Consumers Merchants
PMPs/APMs PSPsIssuers Acquirers
Chinese tourists
with WeChat Pay
• Direct and hassle-free payments enabled by smart contract
Go to Tesco
Express in
London
Accept WeChat Pay with
the use of HAZZA
Customer will be charged
FX conversion and
transaction fees (~1%)
Merchants are charged
2.5% on average by
payments intermediaries
SELECTED EXAMPLES
ILLUSTRATIVE
Scenario: Chinese tourist
spends £20 in Tesco
Express in London with
credit card
£20 + £0.2 £20 – £0.5

13. THE SOLUTION
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14. SOLUTION OVERVIEW
Migrating an existing proven
payment platform to
blockchain Revolutionizing the payment ecosystem
Optimizing business engagement
Leading financial inclusion
Enhancing global acceptance of all payment methods
The HAZZA network concept was born with this thinking…
BENEFITS
14
HAZZA
• We plan to migrate a proven Fintech payment platform to
blockchain technology
• Creating an open access, global, unified payment network
• Through a not-for-profit foundation governed by the
community through a decentralized structure (DAO)

15. PROVEN PLATFORM
Using a proven omni-
channel, certified and
secure solution
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CERTIFIED
REAL TIME
OMNI-CHANNEL
PROVEN
SECURE
• Certified processor of Visa, MasterCard,
Discover Card, Diners Club, and American
Express
• BASE I and BASE II capable
• Fully functional ISO 8583 Payment Switch
• Fully compliant local/global instances
• E-commerce, Physical PoS, mPoS,
MOTO, coupon, loyalty on a single
integrated platform
• All major Card Brands and comprehensive
coverage of global APMs
• Processing in 130+ currencies
• Proprietary, cloud-based technology with
simple API integration
• Intelligent routing & switching for cost
optimization
• Real-time consolidated reporting and
dashboards
• Unlimited scalability
• Web-based, secure portal for transactions
management
• Comprehensive audit trail & access
control
• Encrypted payment card data
• PCI-DSS Level 1 compliant

16. www.hazza.network Not to be copied/distributed without express permission
TECHNOLOGY POSSIBILITIES
Leveraging blockchain technology
Independently verified
transactions
Smart contracts
Peer-to-peer network Decentralized and
Immutable Ledger
Increased security
• Independent transaction verification
• Encrypted transactions and identities
• No single point of failure
Reduced cost
• Significant savings from disintermediation
• Minimal infrastructure costs
Increased transparency
• Accessible source of truth
• Effective governance and audit by participants
Reduced transaction time
• Near real-time transaction (sec/min)
• Smart contracts triggered once conditions are met
• Public, write-once ledger
• All transaction activities in the
network are encrypted
• No central control of network
• No intermediaries
• Close to real time settlement
• All transactions require verification
and confirmation by majority of the
network participants
• Key application of blockchain
technology
• Automatically facilitate, verify or
enforce the terms of a contract
KEY FEATURES KEY BENEFITS
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17. www.hazza.network Not to be copied/distributed without express permission
IMPLEMENTATION
Existing solution proposed to be migrated to blockchain
technology in 3 phases…
HAZZA smart contract functions
HAZZA Core Platform
HAZZA network leveraging blockchain
Phase I
Decentralize Business Engagement
Phase II
Build Engagement Marketplace
Phase III
Decentralize Payment Processing
HAZZA Open API (decentralized)
HAZZA Core Platform
Merchants PSPs PMPs Other participants
HAZZA PAYMENT
ROUTE OPTIMIZER
HAZZA
Smart
Contracts
Participant
Registry
Service
Publishing
Discovery
KYC
Participant
Verification
Merchant
Service
Channel
Adaptor
Rating
On-chain Transactions
(Migrated to Blockchain)
HAZZA Open API (decentralized)
HAZZA Core Platform
Merchants PSPs PMPs
HAZZA
Smart
Contracts
Off-chain
Transactions &
Negotiations
(State Channel
Technology)
• Faster
• Private to 2
parties only
• Posted upon
completion of
business rules
Roles of blockchain:
• Identity verification
• Contest judge
• Record distribution
Other participants
Off-chain
Smart
Contract
s
Off-chain
Smart
Contracts
HAZZA Open API (decentralized)
Merchants PSPs PMPs Other participants
On-chain Transactions
(Migrated to blockchain)
Off-chain Transactions
& Negotiations
(Migrated to blockchain)
• Evaluate new blockchain
technology readiness
(e.g. Lightning Network,
Raiden)
• Leverage blockchain in
core processing when
ready
I.I
I.II
II
III
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ExistingFintechsolutiontomigrate

18. www.hazza.network Not to be copied/distributed without express permission
GLOBAL UNIFIED PAYMENTS NETWORK
An open access, all-to-all
payments network enabled by
blockchain technology
Decentralizing participation
Eliminating inefficiencies
Driving innovation & new economies
Enabling Financial Inclusion
All Payment Methods
Service Providers
and Issuers
New Use Cases and
Value Added Services
All Merchants
THE HAZZA NETWORK
…resulting in an open global unified payment network
Note: HAZZA will have a local instance in jurisdictions where in-country payment networks are required.
Companies shown above are for illustrative purpose only.
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Potential Benefits:
• Greater access to
merchants
• Lower customer
acquisition costs
Potential Benefits:
• New business model
• New job opportunities
for new products /
services
Potential Benefits:
• Higher transaction volume
• Lower technology costs
Potential Benefits:
• Lower customer
acquisition costs
• Greater access to
merchants
ILLUSTRATIVE

19. www.hazza.network Not to be copied/distributed without express permission
Smart contract technology will be utilized to revolutionize and
optimize business model
USE CASE
19
Expected to be completed automatically within minutes on the HAZZA network
Potential benefits for merchants
Potential benefits for payments participants
• Open and transparent marketplace – access to all
payment participants
• Real-time discovery – complete automation by
smart contract
• Significant time savings – PMP / PSP
engagement completed within minutes (vs. months)
• No downtime – auto-switching to best payment
option available
• Minimized merchant acquisition cost – automated
business engagement
• Greater merchant access with high scalability –
exposed to global merchants with one connection
• Minimized operational risks – all rules pre-set on
smart contracts
I am looking for…
• PMP
• Accept CNY/IDR/THB
• Service in all Asian
countries
• Full KYC
• Above average rating
• Lowest price available
I am a…
• PMP
• Accept CNY/IDR/THB
• Services all Asian
countries
• Full KYC
No rating
requirement
High rating
only
POS
Provider
Average
rating
MERCHANTS PAYMENT INTERMEDIARIES
HAZZA-enabled
smart contract
with
self-discovery
High rating
only
POS
provider
Smart
Contract
Building a marketplace leveraging smart contracts

20. www.hazza.network Not to be copied/distributed without express permission
Founders: 60+ years collectively of payments and fintech
experience
AJMAL SAMUEL HANS WONG
Founder & Chairman
of OCTO3 Limited
Founder and Chief Technical Officer (CTO)
of OCTO3 Limited
HAZZA SENIOR TEAM
TYRONE LYNCH
Chief Executive Officer (CEO)
of OCTO3 Limited
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• 20+ years of financial infrastructure, payments, clearing
houses, regulatory, IT and management experience
• Ex-President and CEO – Cityline, Founder and CEO –
ASAP Transaction Processing Corporation Limited
• Fellow of the Hong Kong Institute of Directors
• Member of the Institute for Electrical and Electronic
Engineers (IEEE), International Computer Society, and
Association for Computing Machinery (ACM).
• Board member, Sir David Trench Fund (HKSAR
Government)
• 20+ years of industry experience in large-scale mission
critical financial infrastructure and payments systems
development, deployment and management
• Comprehensive working knowledge of the banking
regulatory framework applicable to financial technology
• Previously led the technical direction, development and
operation of mass transaction systems and designs and
implementation of mission-critical messaging solutions at
International Messaging Associates for US government
organizations and many large international corporations
• 20+ years of P&L management experience for global
multinationals in the payments and technology sectors
• Expertise in international market entry and
commercialization of new businesses (Recently created
and managed NTT Group’s new global payments
service line)
• Former CEO of NTT DATA Hong Kong’s global
payment business, Senior VP at NTT Communications
Asia and Senior Executive for Atos Origin and
Schlumberger Japan

21. Disruption is inevitable
Timing is perfect
HAZZA is positioned to harness this potential to benefit you
HAZZA has the solution and the team to realize this opportunity
SUMMARY
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22. www.hazza.network Not to be copied/distributed without express permission
APPENDIX
Glossary
Term Definition
Acquirer Financial institution which provides merchant accounts and related services to merchants
APIs Application programming interfaces
APMs Alternative payment methods
B2C Business to consumer
BASE I VisaNet’s authorization system
BASE II VisaNet’s settlement system
DAO Decentralized autonomous organization
FX Foreign Exchange
HAZZA network The technology network that all payments players can connect to for global unified payments
ISO 8583
The international standard for financial transaction card originated interchange messaging issued by the International Organization for
Standardization
Issuer A financial institution which issues a card and in some cases a line of credit to the consumers
KYC Know-your-customer
mPOS Mobile point-of-sale
MOTO Mail order/telephone order
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23. www.hazza.network Not to be copied/distributed without express permission
APPENDIX
Glossary (Con’t)
Term Definition
Octo3 Octo3 Limited
Octo3
Foundation
Octo3 Foundation Limited
Open API
A publicly available application programming interface that provides developers with programmatic access to a proprietary software
application
PCI DSS Payment Card Industry Data Security Standard
PCI Level 1 Payment Card Industry Level 1
POS Point-of-sale
PMPs Payment method providers
PSPs Payment service providers
VAS Value-added service
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