OTPpay is a payments platform that offers wallets, exchanges, and merchant payment solutions powered by fiat and digital assets with bank-grade security and blockchain technology. It aims to provide stable, instant payments across networks using a volatility stabilization framework and AI-powered request matching. OTPpay services include instant crypto payments by email, online payment gateways, and ePOS solutions. It seeks to offer the lowest merchant discount rates in crypto with built-in reconciliation.

1. - Omni Token Platform for Payments -
OTPPAY™ : Wallet |Exchange |Payments
OTPPAY OU Wallet Licence No: FRK00699 Exchange Licence No: FVR000800
Prepared By: OTPPAY OU
In Partnership :

2. Fiat
Digital Assets Wallets powered with Fiat and Digital Assets
with combined Bank grade security with
Blockchain technology
Multi-Nodal
Instant Asset Swap Intellectual Asset Swap with Multimodal Asset
mapping with AI .
OTPPAY™ Stabliser
QR & NFC Instant Network Agnostic Payments with
volatility stabilizing framework
Request Mapping
Real Time Stabliser Predictive Analysis through ecosystem
monitoring and asset synchronization
"OTPPAY™: PAYPAL OF CRYPTO"
OTPPAY Key Facts: All under one Roof !
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3. OTPPAY Services
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4. OTPPAY™ Acquiring solutions for Merchants
" All New Definition of Global Crypto payments Infrastructure "
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1INSTANT & STABLE
2E-MAIL LINK
3ONLINE
4IN PERSON
Next – Gen Crypto Payment Infrastructure
Pay Using Email Link
Payment Gateway API with RMS Tool
ePOS & POS solution for brick and mortar shops
100 %
25%
65%
75%

5. Accepting Blockchain payments without Volatility with OTPPAY™ STABLISER
Why OTPPAY ?
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COLLECT PAYMENTS
TRANSACTIONS
SETTLEMENT AI ASSET SWAP
FRAUD
PREVENTION
Crypto to Fiat
Payments
100% Risk free
Settlements
AI based asset swap
Instantaneous
Transactions
Inbuilt Risk
Mitigation Tool
™

6. Why OTPPAY ?
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AI & ML Powered Request Matching Engine
MULTI MODAL PAYMENT
ARCHITECTURE
TRADITIONAL BANK GRADE SECURITY
WITH BLOCKCHAIN TECHNOLOGY
VALUE EQUALISATION &
STABILISATION
WALLET & NETWORK AGNOSTIC
TIMER BASED PAYMENT
VALIDATOR
CUSTOMER & MERCHANT
BEHAVIOUR MAPPING
PLUG & PLAY FIAT AND
CRYPTO INFRASTRUCTURE
INDUSTRY LOWEST MDR WTH
INBUILT RECONCILIATION
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7. Accept Bitcoin, get paid in USD
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With OTPPAY™ crypto payments, all you need is a Smartphone and an email address.
Automated
AML,KYC & RMS
PATENT PENDING TECHNOLOGY
24/7 LIVE MONITORING
PROCESS
TIMER BASED TRIGGERS WITH
PREDICTIVE DATA SET INPUTS
ANALYZE
PLUG & PLAY

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OTPPAY
RMS
MERCHANT
OTPPAY PROCESS
CUSTOMER
Inputs Outputs
AI Feedback
• CUSTOM ASSESSMENT LOGIC
• THREATS & VULNERABILITIES RATING
• BUSINESS ASSOSIATE & ASSET TRACKING
• PCI DSS CERTIFIED
• AUTOMATED ASSET SWEEPING ALGORITHMS
PAYMENT OR DIGITAL ASSET PROTECTION MODEL
OTPPAY RISK MODELING PROTOCOL™
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OTPPAY : QR Merchant Payment Screen™

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OTPPAY : QR Customer Payment Screen™

11. OTPPAY : Value Added Services
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02
01 Crypto Credit Rating
OTPPAY™ Lend
03 OTPPAY™ Open API
04 Crypto predictive Analytics &
Negative Database:
.
37% 63%
VAS
WITH VASW/O VAS
CAR (%)
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12. OTPPAY : The Concept of Segmentation
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DATA SEGMENTATION (JIT)
GOVERNMENT & POLICY SEGMENTATION
GEOGRAPHICAL SEGMENTATION
BUSINESS SEGMENTATION
CUSTOMER SEGMENTATION
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13. OTPPAY Revenue Pre-set
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Vertical Impact Percentage Indicator Year One Year Two
Withdrawals Minimal 4% 4% 3X 10X
Value Added
Services
Minimal 6% 6% 3X 20X
Merchant Discount
Rate
Maximum 75% 75% 3X 30X
Exchange Trading Medium 15% 15% 3X 25X
MDR
EXCHANGE
Withdrawals
VAS
OTPPAY™ Revenue
Four Main Check Points for
Revenue In flow.
ORDERS Value
1 Billion
By 2020
MDR
1.5%
Target %
75.5%
Industry Lowest MDR in Crypto Payments
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OTPPAYTokenStructure™

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OTPPAY Flow of Funds™
Investors Purchase
EOTP Tokens
Secondary Exchanges
Investment profits are
distributed to OTPPAY™ to
increase EOTP token flow to
OTPPAY™ and increase
EOTP tokens’ valuation and
reinvest in Payment
Technologies
Lend + Investment
Funds are wholly used to invest in
80% merchant lending,
Investment in e-commerce &
brick and mortar shops + 20 % in
Innovative Payments Technology
Building.
80% + 20%
Lucrative e-commerce &
brick and mortar shops
identified and analyzed
utilizing Artificial
Intelligence (AI) and
manually by professional
evaluators/experts
Note : The above mentioned Secondary Exchanges and the Liquidity Reserve are example purpose only. There is no agreements established between the above
parties or it may even change when our implementation starts.

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Investors Purchase
EOTP Tokens
Secondary Exchanges Lending Interest & MDR
Buyout by Merchants
OTPPAY Liquidity™
Note : The above mentioned Secondary Exchanges and the Liquidity Reserve are example purpose only. There is no agreements established between the above
parties or it may even change when our implementation starts.

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OTPPAY™ earns 2% Management
Fees (EOTP Token Minting)
OTPPAY™ earns on the merchant
fees(MDR), Lending Interest and e-
commerce & brick and mortar
portfolio performance and
appreciation
OTPPAY™ earns a carry from
charging investors on their Fixed
returns
OTPPAY Profit Sources™

18. Merchants will be provided with the unique Identification code embedded with the QR code so that users can instantly transfer the payments just
by scanning the QR, Our Intelligent smart exchange engines will settle the merchants with fiat currency instantly.
OTPPAY Industry Shared Marketing
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25% Betting & Gambling
25% Travel & Leisure
25% Gaming & Freelancing
OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP
Merchant Payment MDR
Merchant & Exchange
withdrawal Fees
e-Commerce & brick and
mortar shops ROI
Lending Interest Fees
Exchange Trading Fee
(Buy& Sell)
4 MONTHS
First Cycle Second Cycle Third Cycle
25% Retail
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20. OTPPAY™: Omni Token Platform for Payments
https://otppay.com
Email: lalithbabu@otppay.com
Phone: +91 7299114455