An Overview of A2Apay's One World, One System.

2. A2ApayTM
A2Apay is an end-to-end, multi-country, multi-tenancy, and multi-currency enterprise platform for foreign exchange,
money transfer operator, cross border charity donations, and political campaign fundraisers. Deployed on fault-
tolerant, duplicated hardware - yet offering both a powerful User Interface and the possibility of being fully integrated
in your back-office – A2Apay provides the combined benefits of both a central and an in-house system. It can be
deployed for all your transfer confirmations, whether or not your counterparty is also a subscriber.
As ‘Software as a Service', A2Apay provides the resilience, scalability and global reach required to manage your
treasury operations. At the same time, A2Apay helps you maximize operator efficiency whilst minimising costs and
operational risk in your back office
Key Features
• Reduced operational risk
• Lower costs
• Ease of access via GUI or API
• Improved efficiency
• Increased straight-through-
processing
• Reduced settlement risk

3. The Need
Problem
MSB NPOs
Brick-and-mortar model limits
market exposure while Global NPOs need to send funds
Need customers grow more internationally
international
Current solutions like Western Need to reduce costs - current
Price Union charge high rates & solutions typically use % charges
exclusive licenses
Lack IT resources/knowledge to Lack IT resources/knowledge to
Infrastructure build & manage own system build & manage own system
Need to move money overseas
Users require their money
Speed remitted in a timely manner
quickly to provide charitable aid
relief.
International money transfers
Fraud and money-laundering
Security directly affect bottom-line
must be compliant with
international regulations.

4. The Solution
Problem Solution
MSB NPOs A2Apay
Brick-and-mortar model limits
market exposure while Global NPOs need to send funds Online system creates 24/7
Need customers grow more internationally global reach
international
Current solutions like Western Need to reduce costs - current Fixed rate cheaper for large
Price Union charge high rates & solutions typically use % charges amounts & sources lowest
exclusive licenses exchange rates
Lack IT resources/knowledge to Lack IT resources/knowledge to Developed proprietary online
Infrastructure build & manage own system build & manage own system platform on the cloud.
Need to move money overseas
Users require their money Online debit account to debit
Speed remitted in a timely manner
quickly to provide charitable aid
account transfers.
relief.
Patent pending security
International money transfers
Fraud and money-laundering solutions solve compliance and
Security directly affect bottom-line
must be compliant with
has a 99.9% anti-money
international regulations.
laundering success rate.

5. The Market
Worldwide remittance market est. $460 billion USD
40% money remitted from
North America
60% money remitted sent to India,
China, Philippines, Mexico
Targeting Canada and USA Partnering with local financial
potential customers of 72,000 institutions to fulfill service
MSBs and 1.6 million NPOs
A2Apay™ Mobile Gateway Interface (MGI) technology will facilitate money movement to the 2.5 billion
unbanked in developing countries.

6. The Business Model
A2Apay sells its platform in three tiers based on the customer’s estimated volume of transactions.
Community
FREE No monthly fees Highest per-transaction fee
Managed
One-time setup fee Monthly fee Lower per-transaction fee
Dedicated
Highest one-time setup fee Highest monthly fee Lowest per-transaction fee
By leveraging HubSpot, Treepodia’s inbound marketing solution, content rich landing pages will be
created to market to potential adopters of A2Apay’s tiered platform.

7. The Competitive Advantage
Debit-Based System 99.9% Anti-Money
Cost Advantage Propriety Platform
Laundering
• Real-time debit, & On • Patent pending • Network of • A2Apay platform is
time transfer platform solutions ensure international partner proprietary
• Reduces some compliance with banks allows lowest • Patent-pending
traditional fraud areas international cost forex rates security features hard
and NSF problems regulations • Flat rates per to copy
• Track record of 99.9% transaction is cheaper
anti-money laundering for customers
success