Pah, Micro Lending with Blockchain technology

1. CORDADAY BANGKOK 2018 THE FIRST CORDA EVENT IN THAILAND BLOCKCHAIN FOR ENTERPRISE

2. CORDADAY BANGKOK 2018 BLOCKCHAIN FOR ENTERPRISE PAH, MICRO LENDING WITH BLOCKCHAIN TECHNOLOGY

3. www.ปา.com & JFIN Wallet

4. © J Ventures 2018 TABLE OF CONTENT • WHY? why do we believe in DLP? • WHAT? what is different in other lending? • HOW? how is our growth strategy?

5. © J Ventures 2018 W H Y • JMART Group • About JVC • Lending Market • Digital Lending

6. © J Ventures 2018

7. © J Ventures 2018 JMART ECOSYSTEM Decentralized Digital Lending Platform Digital Lending Platform ระดมทุน ICO สรางเหรียญTraceable Use of Funds ตองการระบบ Blockchain 80% 95.6% พัฒนาระบบ พัฒนาระบบตอเนื่อง

8. 01 02 03 M&A, and Layout Digital Platform Looking for any partnership or M&A of any technology startups to fit gap of JMART digital transformation. Also create platform as a service (PAAS) to support JMART future. Start building mobile app to help each JMART subsidiaries to move to mobile transactions with fully synergy among JMART. Building JMART Digital TransformationBased upon experience and exposure within/outside JMART group, and also internal huge database. JVC will create another process/solution or business unit to make own revenue outside JMART group in the future. Create own Business Solution 3 main missions of Jventures

9. Copyright © 2018 Jventures Thailand Lending Market Market size: 19.3 M (People) Market size: 28.5 M (People) source : https://www.pier.or.th/?abridged=มุมมองใหม่หนี้ครัวเรือ, สถาบันวิจัยเศรษฐกิจป๋วย อึ๊งภากรณ์/ สำนักงานสถิติแห่งชาติ Analog Traditional Digital Interactions & Transactions • Big Data • Collection • Interaction within eco system • Both financial and non-financial info Key Success Factor Loan Shark Banks & Non- Banks Rely on financial information transactions Key Success Factor 5

10. © J Ventures 2018 Our Digital Lending Platform Distributed Ledger Technology (DLT) Smart Contract and Decentralized will guide to more efficiency process. Acquisition (Passive & Active) Active mode is pre-define with partners and collecting others information even when they don’t need a loan yet. Passive mode will be more effectively in the long run for acquisition and data analytic. TCL (Total Credit Limit) Starting process to get spending behavior on TCL we provide to them on instant basis. Also integrating with their business performance. Triple Credit Scoring Non-financial Information and spending behavior weight greater score nowadays which needs to combine with current financial information.

11. © J Ventures 2018 W H A T • JFIN DLP • TOKENOMICS & DDLP • P2P Lending

12. ระบบ DDLP และ JFin Coin Utility Token !12 Blockchain Decentralized Transaction Validation Lender Borrower J Wallet J WalletCASH DDLP CASH CASH Credit Scoring & Get Access to DDLPCredit Scoring & Get Access to DDLP Chain Validator Chain Validator Chain Validator Chain Validator Chain Validator DDLP Fee x% of transaction fees y% of transaction fees x% of transferred amount

13. PARTNER’S INFORMATION BASED LENDING ACTIVE APPROACH Location Bank Statement Spending History Financial data from partners data from Jmart group Purchasing power Spending pattern Extravagan t Level Personal Data Salary Slip Personal Financial Application Spending data from partners Spending Behaviour Facebook Post Psychology Questions Reputation Score Lifestyle Score APPROVE 80% CREDIT Purchasing Power Spending Behaviour Social Behaviour

14. BORROWER MEET LENDER PASSIVE APPROACH Personal Loan Pico Finance Nano Finance Accumulative Data over time, and Credit Scoring is a key

15. © J Ventures 2018 Plan Actual Visit/Day (Average) 200 670 Total Visit 5,400 20,212 Apply Application/Day 160 478 Total Application 4,320 14,351 Average Approved/Day 20 5 Total Approve (person) 300 95 Total Approved (Loan) 800,000 391,000 NPL 15-20% 35% Avg. Interest (%) 15%,36% 15%/36% Plan vs. Actual Fast Money Wave 1

16. DIGITAL CHANNEL

17. KYC JFIN Wallet J-POS JFIN Roadmap DDLP TOKENIZATION PLATFORM BUILDING TOKENOMICS Credit Scoring Contract Approval Core Lending

18. © J Ventures 2018 Building Platform for JMART : r3 Project Update JFIN coin has been kept in this layer. Ethereum is widely use in cryptocurrency world so it is easy to exchange with other cryptocurrency Wallet transaction is operated in this layer. This is forked from Stellar. It’s simple and fast for this kind of transaction. Loan transaction operates in this layer. Corda platform provide privacy feature which is the best for keeping business transaction or personal important information i.e. ID card, mobile or KYC information. Blockchain Landscape

19. © J Ventures 2018 JFIN Infrastructure Roadmap Public Ethereum Blockchain Exchange / Transfer 1) Exchange 2) Transfer 1) Membership Fee 2) Transaction Fee 3) Consensus Reward JFIN Sidechain DDLP 1) Promotion 2) Point J Crypto Wallet KNOW YOUR CUSTOMER J Providing Proof of locked asset on main and side chain

20. © J Ventures 2018 JFIN DDLP Pico Finance Nano Finance JMART Partner Point of Sales Infrastructure API GATEWAY DLP PLATFORM Front End (Mobile Application , Facebook Chat bot , Line Chat bot Acquisition Payment Gateway & POS Lending Services Debt Notification & Collection Customer Profile & Identity Crypto Wallet Crypto Payment & Gateway Credit Scoring DDLP BLOCKCHAIN PLATFORM Lending Smart Contract

21. © J Ventures 2018 COMPONENTS TOKENOMICSDIGITAL LENDING Core Lending System Acquisition Web Application Mobile Application One-time Loan KYC Credit Scoring Contract Approval Term Loan Revolving Loan Syndicated Loan Database Blockchain External Loan Partner Management Aging Chatbot Contract Management Encashment / Bill Payment Product Management KYC Credit Scoring Contract Approval KYC Credit Scoring Contract Approval KYC Credit Scoring Contract Approval Wallet Cash Transfer Crypto. Transfer Others POS Stake Jay Scoring Database Blockchain JAY ID

23. © J Ventures 2018 JFIN TOKENOMICS A tokenomic enhancing value creation and token circulation! Contribution Goods & Services Fiat Money Crypto Exchange Pico Finance Nano Finance JMART Partners eCommerce J Ventures JFIN DIGITAL LENDING PLATFORM JFIN Issuer and Accelerator Personal Finance JFIN TOKENOMICS PLATFORM

25. © J Ventures 2018 JFIN WALLET A digital token wallet is a software program that stores private and public keys and interacts with various blockchain to enable users to send and receive digital token and monitor their balance. Digital Token Wallet Hardware Wallet Software Wallet Paper Wallet Desktop Wallet Online Wallet Store Private key on Hard drive Store Private key online Managed by 3rd party software that securely generates keys that are printable

26. © J Ventures 2018 Pah Go-live Activation 17 October 2018 Kick-off event (Press Conference) 19-23 September 2018 Pre-event @ Fintech Event November - December 2018 Activations Online Communications Pah’s Character Pah Platform SAMPLE Pah Roadshow

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