Cuentas provides innovative mobile banking, mobility, and telecommunications solutions to underserved, unbanked, and emerging markets. The Company’s portfolio of fintech solutions meet the highest-volume services demand of the estimated 70 million underbanked and unbanked consumers in the US. ‘Underbanked’ refers to those who have limited or restricted access to banking services, due to poor credit or their international/resident status, and represent more than $1 trillion in total purchasing power.

1. Cuentas Inc.
Investor Presentation
March 2020

2. p2.
This presentation contains "forward-looking statements", as that term is defined in section 27a of the united states
securities act of 1933, as amended, and section 21e of the united states securities exchange act of 1934, as amended.
Statements in this presentation, which are not purely historical, are forward-looking statements and include any
statements regarding beliefs, plans, expectations or intentions regarding the future. except for the historical information
presented herein, matters discussed in this presentation contain forward-looking statements that are subject to certain
risks and uncertainties that could cause actual results to differ materially from any future results, performance or
achievements expressed or implied by such statements. statements that are not historical facts, including statements
that are preceded by, followed by, or that include such words as “estimate", "anticipate", "believe", "plan" or "expect" or
similar statements are forward-looking statements contained in this presentation include statements relating to other
publicly available information regarding the company.
Safe Harbor Statement

3. p3.
Cuentas Uses Technology to Bridge the Gap Between Traditional Financial
Services and the Underbanked U.S. Latino Population
• Cuentas is a comprehensive online banking solutions provider to the
historically underbanked U.S. Latino population
• Breakthrough Cuentas FinTech card to launch by the end of January 2020
• World class strategic partners allow for instant scalability, wide distribution and
minimized operating and technology risk
• Multiple recurring revenue streams offers significant user monetization
opportunity
• Experienced management team with deep industry expertise
Company
Overview
Cuentas Inc. (CUEN)
Company Snapshot
Share Price1: $2.54
Market Cap1: $7.2M
1
As of 3/30/2020
Sector: FinTech
Headquarters: Miami, Florida

4. p4.
Investment
Highlights
Market Opportunity
Significant market opportunity
of underbanked U.S. Latino
population
Strategic Partners
World class strategic partners
allow for scalability, wide
distribution reach of 240,000
points of sale
Recurring Revenue
Multiple recurring revenue
streams offers significant
monetization opportunity
Marketing
Strategic marketing plan in
place to support card launch
Target Demographic
Cuentas customers’ buying
behavior indicates strong
purchasing power in an
underserved demographic
Seasoned management team
with deep industry experience
Management

5. p5.
The Problem:
The Unbankable
Latino
Over 25% of the U.S. Adult Population (63M Adults) Are Unbankable1,
Defined as:
12017 FDIC Survey, This figure excludes immigrants, illegal aliens, and
undocumented individuals
• Adults who do not use banking institutions in any
capacity
• Generally pay for goods/services in cash or money
order
• Often use check-cashing and payday lending
• Typically recent immigrants or children of immigrants
who experienced banking crises in their country of
origin
• Often unable to maintain minimum balances, pay
account fees, or organize transportation to/from
banks during banking hours
• The U.S. Latin population exceeds 57.5 million, while
Hispanics will continue to account for over 50% of
future U.S. population growth
43.8 Million
US IMMIGRANTS
28.5%
ARE UNDERBANKED
$1.7 Trillion
PURCHASING POWER
More than 20 Million Latinos have unmet needs for:
- Bank accounts
- Online banking
- Direct check deposit
- Mobile cash remittance
Unbanked Rates by Household,
Race and Ethnicity percent per Year1
Reasons for Not Having a Bank Account,
Unbanked Households, 20171
(%)

6. p6.
The Solution:
The Cuentas
FinTech Card
A Comprehensive Banking Solution
The Cuentas Fintech Card is an online bank account
integrated with the Cuentas branded general purpose
reloadable card (GPR), offering a comprehensive online
banking solution to all, including those without a U.S.
government issued ID, offering services such as:
- FDIC insured bank account
- Debit card
- Direct check deposit
- Mobile cash remittance
- Bill pay
- Direct ACH Deposit
- Mobile banking app
- ATM cash withdrawal
- Peer-to-peer transfers
- Cash reload at retailers
- Bile device check deposit
- Prepaid telecom “Top-Up”
In-App Platform for Discounted Purchases at Point of Sale
- Transit Authorities
- Restaurants
- Retail Stores
- Supermarkets
- Bodega & Convenience Stores
- Lottery & Mobile Gaming
- Online Gaming

7. p7.
The Cuentas
FinTech Card
Example Cuentas FinTech Card Customer
User / $525
Credit Card
Mobile App
Voice SMS
Top-Up US: $40
International Top-Up: $20
Transportation: $35
Money transfer: $300
ILD: $20
Health: $30
Bill pay: $60
Gaming: $20

8. p8.
Cuentas FinTech
Card: Competitive
Advantages
What sets Cuentas apart:
Underserved target
demographic
Robust distribution network
Strong and proved
technology stack
Ability to use “Matricula
Consular” ID for Mexicans
Evolving platform
Oversaturated selling
Antiquated distribution
tactics
Third party technology
No consideration for Latino
population
Stagnated growth
Competitors

9. p9.
Contains real time balance and savings for:
• Digital Content Cash
• Cuentas Virtual Marketplace purchases
• Telecom minutes
• Loyalty reward points for international calling
minutes
Mobile Wallet
The in-app Mobile Wallet offer FinTech Card functionality for online
and mobile purchases
Cuentas Mobile
App Functionality
Cuentas Virtual Marketplace:
The Virtual Marketplace offers discounted gift cards to
Cuentas cardholders, which can be stored in the Cuentas
Mobile Wallet and be used online, sent electronically to
friend or family, and even redeemed for a physical gift card

10. p10.
The platform will provide Android and iOS software for users to
execute a wide variety of transactions including, but not limited to:
• Account balances
• Account transfers
• In-App purchases
The Cuentas platform is built on a powerful integrated component
framework delivering a variety of capabilities accessible by a set of
industry standard REST-based API endpoints.
Cuentas
Technology Stack
In addition to electronic transfers platform will have capability of:
• Organizing virtual currencies into wallets, future proofing today evolving financial
environment
• Enables the organizing of user’s monetary deposits through strictly enforced user
permission, providing a sound basis for a family and/or corporate control and
distribution of fund across individuals
The platform also contains a sound and proven gamification engine
capable of:
• Driving user behaviors in a manner that entices and rewards using
incentivization based on proven behavioral science patterns
• At the heart of this gamification engine lies a proven and robust rules engine
which can easily integrate/modify between disparate platforms, allowing for
a quick and easy integration to complex external systems

11. p11.
Strategic
Partners Enable
Robust Retail
Footprint
SDI Next Distribution:
§ Cuentas’ 51% Joint Venture will roll out the Cuentas FinTech Card to
targeted locations in regional markets – one market at a time
Nationwide network of retail locations enables effortless purchasing and
reloading of the Cuentas FinTech Card

12. p12.
Strategic
Technology
Partnerships
Recent Acquisition of $9M Technology Asset Allows Company to Meet
Shareholder Equity Requirement for NASDAQ Uplisting
• Privately held independent community
bank
• FDIC member with strong innovation arm
• Featured Products/Services:
• Mobile banking/check deposit capabilities
• Payments, ACH transfers,
• Checking accounts with online/mobile
access
• VISA debit cards with
verification/activation services
• Gift cards with customer support
• Digital wallet integration
• Loyalty program management
• Proprietary digital platform enables backend
of FinTech card to function seamlessly
• Cuentas has a perpetual licensing agreement
with CIMA exclusive to the FinTech vertical
• Cloud based software provides rapid,
accurate authentication for all transactions
• Aligned Incentives: CIMA Group owns ~25%
of Cuentas common stock in exchange for
the $9M technology assets acquired
• Concurrently allows company to meet
shareholder equity requirement for
NASDAQ uplist

13. p13.
Revenue Sources
One Time Charges:
• Cuentas FinTech Card Sales
• Activation Fees
Cuentas Generates Recurring Revenue from Continued Usage of the
FinTech Card
Monthly Charges:
• Maintenance Fees
Recurring Charges:
• ATM Withdrawals
• Cash Remittance Fees
• Reload Fees
• Digital Purchase Discount
Platform
• Telecom Minutes Reload
• Payout on Incomm Gift Card
Sales

14. p14.
Cuentas Business
Model
User
Mobile Access
Store Pharmacy Gas Station
Front-End
Back-End Registration
Authentication
Company
Reload
Distribution
Channel
Purchase
Distribution
Channel
Provider
Bank Account
Creation
Debit Card
Creation
Fulfillment
Platform Settle
Check
Balance /
Transactions
Points / Loyalty
Balance /
Transactions
Balance /
Transactions
Telco (ID)
Money Transfer
Top-Up International
Digital Product
Bundles
Global Bill PayProvider
Auris
Auris

15. p15.
NYC Launch of the Cuentas FinTech Card:
• Digital Content Cash
• Cuentas Virtual Marketplace purchases
Marketing Launch:
SBS Program
Spanish Broadcasting System (SBS):
• Owns and operated Spanish radio stations
• Top 5 Hispanic markets across the country
• Over 250 affiliated stations across the country
• Reaches 94% of the U.S. Hispanic audience
SBS New York will execute 25 hits per week
for 10 consecutive weeks
• “A Hit” is a brief appearance powered by the Cuentas Card
• One bodega will win a live broadcast with SBS’ morning
hosts, the Cuentas “Bodega in the Bodega” segment
• During the live broadcast Cuentas will give away concert
tickets every hours, free breakfast for the first 50 people to
show up and a chance to win a trip to Puerto Rico!

16. p16.
Selected Financial
Information
Balance Sheet
Income Statement
U.S. Dollars Year Ended Year Ended
31-Dec-18 31-Dec-19
(Audited ) (Audited )
Revenue $74,650 $967
Cost of Goods Sold -74,177 -808
Total Operating Expenses -5,686 -2,305
Total Other Income, Net 1,628 860
Net Loss ($3,585) ($1,320)
U.S. Dollars As of December 31, 2019
(Unaudited)
Cash $16
Total Assets 9,170
Total Liabilities 3,917
Securities Outstanding
As of December
31, 2019
Common Stock 4,639,139
Options(2)
Warrants(3)
Fully-Diluted Shares Outstanding
Capitalization Table
Company to provide remaining
capitalization data

17. p17.
Leadership Team
Arik Maimon
CEO & Co-Founder
• Seasoned executive with previous experience
founding and successfully running companies
in the telecommunications and FinTech
industry in the US and Mexico
• Mr. Maimon founded and ran a privately-held
wholesaler of long-distance
telecommunications services which, under
Mr. Maimon’s management, grew from a
startup to a profitable enterprise with more
than $100 million in annual revenues.
• Over 20 years experience in executive
positions in the banking, technology, and
telecommunications industries
• Previously Vice President of Lucent
Technologies Southeast Division and
President of Sales at the telecommunications
company Radiant/Ntera, where he grew sales
to more than $200 million annually.
• Over 20 years of experience as a proven,
public-company financial executive across
several industries
• Mr. Daniel is a licensed Certified Public
Accountant (CPA) in the US and Israel
• Mr. Daniel holds a Bachelor of Economics, a
Bachelor of Accounting and an MBA in Finance
from the Hebrew University as well as a
Graduate Degree in Law from the University of
Bar-Ilan
Michael De Prado
President & Co-Founder
Ran Daniel
CFO
Company to
provide
headshots
Company to
provide
headshots
Company to
provide
headshots

18. p18.
Thank you!
Company Contact:
Michael De Prado
(800) 611-3622
Michael@cuentas.com
Investor Relations Contact:
Luke Zimmerman
Vice President
MZ North America
Main: (949) 259-4987
luke.Zimmerman@mzgroup.us
www.mzgroup.us