Р2Р platform that allows fast development and expansion of modern financial internet services.

1. Finance for life
Contemporary
platform
for
online
services
development
Money-4

2. Finance for life
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Money-4 platform
Р2Р platforms market
Market players
Monetization
Cooperation options
System architecture
Safety
Processing center
Accounting in the system
Electronic wallets
Integrated modules
Micro financing Р2Р
Currency exchange Р2Р
Electronic payments
E-commerce
Mobile applications
Under development
Interface screenshots
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3. Finance for life
Money-4 is the Р2Р platform that allows fast
development and expansion of modern financial
internet services. The processing center, including
multicurrency processing of electronic payments, bank
cards and other modern payment options are the parts
of the platform.
Financial platform

4. Finance for life
Revolution at the financial services market - Р2Р plaforms
Р2Р platforms are the breakthrough in financing, directly connecting
lenders and borrowers. It is enough to submit a loan or a currency
exchange application online at a service provider website; the
application will be immediately processed and the loan will be approved.
This model is expanding to the new product types, including mortgages
and other financial services.
Р2Р platforms market is expanding fast due to increase of the number of
lenders using Р2Р platforms for investing their funds, easy loan application
process and processing speed. In their research, PWC points out that.
although the market is still in its infancy, the 5.5 billion US dollars loans
were provided this way in the USA in 2014.
PWC analysts expect the USA market of P2P platforms to exceed
150 billion US dollars by 2025.
Р2Р platforms
turnover in the USA
in 2014 amounted to
5,5 billion US dollars.

5. Finance for life
How does it work?
Р2Р business model is significantly different from traditional banking. Р2Р
do not use own funds. They directly connect Lenders and Borrows via the
platform.
Р2Р platforms income is the interest on the Lender’s income in the form of loan interest
payments as, well as the fees for other user operations
This business model is very convenient for the Borrowers, as allows submitting the
application online and immediately getting it approved.
Р2Р platforms make the service available 24/7 from any place in the world.

6. Finance for life
Market players P2P platforms
Develop web services, employing user-to-user business
model.A
Banks
Banks are able to invest funds via P2P-platforms, obtaining
access to the modern financial instrument. Banks can buy
loan pools via Р2Р platforms.
B
Institutional investors
banks, hedge-funds and other institutions, which provide
funding via P2P platforms. In the USA, institutional
investors provide approximately 80% of funds. About 40
various funds purchased assets via P2P platforms in 2014.
At least 12 different funds made a purchase amounting to or
exceeding $ 200 million.
C
Individual investors
Private investors are people who lend their money via P2P
platforms.D
À !
! !

7. Finance for life
Sales
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Monetization inside Money-4 system
Micro financing Module
The standard commission fee of Money-4 service is
10% of the lender’s profit on each loan. The
commission fee is credited to the Lender’s account
after the Borrower repays the loan
The Service credits the commission only after the loan
is fully repaid. After the commission is credited, the
Lender receives the email notification about it, the
confirmation documents and the current account
balance; as well all the documents are available in the
Lender’s system Account.
The Service commission fee on Moneygard option is
50% of the Lender’s profit.
Currency exchange Module
Money-4 Service commission fee is 2% of
an exchange transaction
`17
BEST
Electronic payments Module
Money-4 receives the commission fee on
each payment. In addition, outrights are the
important part of the income.

8. Finance for life
Cooperation options
Money-4 Ltd (UK) offers the following possible cooperation options to potential Money-4 services
operators in their countries:
1. Shared capital (working interest) of the service of operator – the license is issued to the
operator. In this case Money-4 Ltd (UK) takes responsibility for system development and support in
the country. Assured users access to the service - 24 / 7.
2. Cooperation based on Saas license. Money-4 Ltd (UK) provides ready to use platform, ensures
support and system development (new modules). In this case, the service operator does not bear
costs associated with system operation.
Advertising expenses – in Russia not more than 200 000 rubles / month in the first year.
Support service - not more than 100 000 rubles / month.

9. Finance for life
Client
Admin server
Amazon S3
Static
Media
DatabaseMessaging
queue server
Email server
Cloud technology
Cloud hosting and distributed architecture of the service are used
for system operations, which allows reaching maximum
efficiency, reliability, control and availability.
SSL certificate of the highest safety level.
Scaled architecture and distributed systems
Client
app
server
2
Client
app
server
1
Backup

10. Finance for life
Money-4 employs wide range of fraud protection services. Data encoding with high authenticity SSL protocols is
used for ensuring safe data transfer.
01
Filtering
Lists check Payments
check
according to
white and
black lists
02
Filtering
Limits Filtration of
operations in
case of
exceeding limit
values.
03
Analysis
Advanced
algorithm
Analysis by
mathematical
modelling
methods
04
Analysis
Expert
analysis
Identity and
residence address
verification is made
by service
administrators
Safety

11. Finance for life
Money-4 Processing center is the high-technology automated system
of bank cards payments processing in the electronic commerce area (e-
commerce). The main function of the processing center is providing
users and online shops the possibility of accepting bank cards
payments. In addition, the processing center coordinates payments
among the issuing bank, acquiring bank (performing transaction
authorization), online shop (online service) and bank card holder.
A
B
C
Electronic payments processing
Under the electronic processing framework Money-4 takes
the responsibility for accepting electronic wallets payments
for online shops and manages the funds transfer to the
company’s current account.
Bank cards payments processing
Safe and reliable payments gateway. Wide range of accepted
currencies. Advanced fraud protection system.
Processing center

12. Finance for life
Financial accounting module allows Money-4 service operator performing
Current, Financial and Analytical accounting.A
B C
Current (management) accounting subsystem
Provides management the possibility to regularly obtain updated
information for many key management decisions making.A
Financial accounting subsystem
Bank and cash operations, contractor payments, VAT, payroll, fixed
assets, indirect costs, deferred expenses. Data analysis on accounts:
accounts balances, accounts turnover, various profiles of accounting
entries.
B
Analytical accounting subsystem
Based on OLAP-cubes, provides the possibility for analyzing operations
profitability, revealing trends and business development logicC
Analytics and accounting

13. Finance for life
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Convenient multifunctional
personal account
Instant accounts creation
in the system currencies
Funds accounting at
users’ accounts
User-friendly messenger
for communicating with
service administrators and
partners
Users notification about
transactions via SMS and
email
Instant conversion and
transfers between
accounts
Users’ funds accounting – Electronic wallets

14. Finance for life
Sales
P2P
Р2Р services market grows annually by 300-400% according to experts estimates.
The Р2Р Financing, Currency Exchange and Payments services modules are
integrated into Money-4.
! ó
!
…
F
Integrated Р2Р Modules
Financing service
Micro-financing service user-to-user
К
Currency exchange
Immediate credit on exchange operations.
Е
Payments module
Online payments, set-up of website payment acceptance.
П

15. Finance for life
C
A
B
Micro financing - P2P
Micro financing service – lets users to provide and obtain
loans inside the system.
The system of borrowers ranking, which allows creditors
estimating the default risk, is embodied into the system.
Convenient system of selecting loans offers the possibility of
fast contract exercising.
The system also provides instruments for keeping records
under the framework of signed contract (execution of a
contract, payments reminder, claim letters etc.).
Instant funds crediting on provided loans.

16. Finance for life
Currency exchange user to user module.
Fully automated system allows making instant exchange
transactions.
£
€
₨
¥
₽
$
#
The system algorithm finds the
most profitable offers for given
currencies and user
determined parameters.
The module provides the
possibility for listing an offer at
the exchange listing or starting
an auction to obtain the most
profitable offer.
!
!
Convenient search and
selected offers booking
system.
The possibility to make an
application for the required
exchange rate and receive
notifications about
corresponding offers
supplied to the exchange.
!
!
Currency exchange - P2P

17. Finance for life
II
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I
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III
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The Module provides users the possibility to make and receive payments to
electronic wallets, as well as to send money to external bank accounts all over the
world.
Fully automated system.
The module provides the possibility for connecting libraries and bank details
identification (IBAN, SWIFT, BIN).
The module allows making templates for frequent and previously exercised
operations.
Payments Module

18. Finance for life
Money-4 e-Commerce provides the possibility to accept
WebMoney, Yandex.Money, VISA and MasterCard bank
cards, as well as many other web-currencies.
Convenient button for online shops websites. Easy and
fast connection to the system for any online shop.
Free CMS modules for Magento, Wordpress, Shopify,
Odoo etc. systems are under development (issue date
August 2015).
eCommerce

19. Finance for life
The adaptive layout of the service
website ensures operation and good
display quality on devices with different
screen resolutions (tablets, smartphones,
etc.)
Adaptive layout
,
In the near future Money-4 starts mobile
applications for iOS and Android for
additional safety and user comfort.
Mobile applications
!
Smartphones applications

20. Finance for life
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May June July August September October
Mobile application
Regular
operation
Mobile payments
Functions implementation
plan.

21. Finance for life
Interface screenshots

22. Finance for life
Sales
¡
Money
for
life