The document summarizes bux.com's end-to-end mobile payment solution that allows unbanked and underbanked users to make online and mobile payments without a bank account or credit card. It offers virtual accounts, prepaid debit cards, money transfers, bill payments, mobile top-ups, and e-commerce purchases. The solution aims to bring the cash economy online and provide access to digital financial services for hundreds of millions of underserved users globally.

1. The contents contained herein remains the exclusive property and intellectual property of bux.com Global Ltd.
Any unauthorized distribution and use of this material is prohibited.
END-TO-END SOLUTION
NO BANK ACCOUNT - NO CREDIT CARD - NO WORRIES
“A WORLD OF CONVENIENCE”

2. WORLD‘S MOBILE PAYMENT USER BASE TO PASS 450 MILLION
• International Research House Gartner forecasts that the worldwide mobile payment market will
have over 450 million users and a transaction value of more than $721 billion in 2017. This
represents compound annual growth rates of 35% respectively for the period 2014 to 2017.
• Money transfer will be the biggest category in terms of value, accounting for 63% of total
transaction dollars, driven by huge demand for remittance payments in developing markets.
• The number of people using their mobile phones to make payments is set to grow from 70.2
million in 2009 to 108.6 million this year, a 54.5% rise, according to Gartner.
• This represents 2.1% of all mobile users, with the fastest take-up of the technology in the
developing markets of Asia, Eastern Europe, the Middle East and Africa, driven by the unbanked
and underbanked.
INTRODUCTION

3. In today’s on-line web world there is ‘high’ demand, for a ‘disturbing’ level of interest, in on-
line shopping as a value added service.
As more and more technological advances evolve, the consumer’s level of comfort widens in
using new options like mobile and web based shopping and financial services.
Ever emerging mobile convenience delivers critical mass use of applications allowing on line
search, choice and spend, so the UNBANKED ECONOMY CAN NOW SHOP ON LINE
Now we reach that point in time where mobile convenience creates new markets and so it’s a
race to capture any new customer.
www.bux.com offers all interested parties a world leading web and mobile digital ‘process’
with the intention to introduce the cash economy of unbanked, employed legal consumers
with disposable income into the world of mobile payments.
NO BANK ACCOUNT - NO CREDIT CARD - NO WORRIES
THE CASH ECONOMY

4. welcome to the bux.com world of convenience
IMAGINE
being able to; Send money to your family and friends,
Shop at hundreds and thousands of online retailers,
top up your pre paid mobile phone or another
prepaid mobile phone, make international
phone calls for just a few cents per call,
pay utility bills, buy games, music,
ringtones and more!
IMAGINE if you could do
ALL this with NO Credit Card and NO bank account.
IMAGINE this being a reality TODAY.
HOW IT FITS ALL TOGETHER

5. We offer three products:
The Virtual Purse for online purchasing and closed loop transactions
The 'private label' Closed Loop, non bank card that allows a customer to load funds
and cash out at third party accredited entities
The Debit VISA/MasterCard prepaid card, giving global ATM access and POS spending options.
VISA/MASTERCARD Debit Card Bux Virtual Account Non-banking Card
PRODUCTS AND SERVICES

6. MULTI-FUNCTION FEATURES

7. Customer supplies Basic
KYC information
Customer submits:
copy 1 of Gov’t-Issued ID
copy of Utility Bill
Customer allows system
to do a real-time face
capture
Documents submitted
are subjected to an
authentication process
Customer’s personal
information are
matched against the
OFAC SDN list
Customer provides bank
account information
REJECTION
bux does a token
transaction + a 4 digit
code on the bank
account provided
Customer retrieves and
enters the verification
code on the bux system
=/>
50%
match
?
Code
good?
KYC
OK?
Has
bank?
bux facilitates opening
of a bank account
Partner bank opens
account for the
customer
Bux.com account is
active / bank account is
active / ready for linking
to;
Yes
NO
NO
NO
NO
YES
YES
YES
REGISTRATION FLOW
Google PayPal Skrill Tigo

8. GLOBAL LOADING TRANSACTION POINTS OF PRESENCE (TPOP)
LOADING NETWORK

9. Albania
Bulgaria
Czech Rep.
Croatia
Denmark
Hungary
Iceland
Latvia
Liechtenstein
Lithuania
Norway
Poland Romania
Russia
Serbia
Sweden
Switzerland
Turkey
United Kingdom
Other Europe
Austria
Belgium
Cyprus
Estonia
Finland
France
Germany
Greece
Ireland
Italy
Luxembourg
Malta
Monaco
Netherlands
Portugal
Slovakia
Slovenia
Spain
Euro-Zone
Canada USA
North America
Brazil
Colombia
Peru
Chile Mexico
Latin America Africa
ME/Asia Pacific
Australia
China
Hong Kong
India
Indonesia
Macau
Malaysia
New Zealand
Philippines
PNG
Singapore
Thailand
UAE
VietnamMorocco
South Africa
Mauritius
Zambia
WITHDRAWAL NETWORK

10.  Update Profile
anytime
 Check balance at
no cost
 Real-time
transaction
summary
 Change your PIN
 Upload KYC
Documents
 Linked
Beneficiary
 Perform Card
Transfer’s
 Perform Value-
Added Services
ONLINE MANAGEMENT FOR THE CUSTOMER
CUSTOMER ACCESSIBILITY
ONLINE MOBILE

11. Money Transfer
Domestic and International
Mobile Top-Up
Domestic and International
Bill Pay
Pre-Paid Gift Cards
E-commerce (OTPB)
VALUE ADDED SERVICES (VAS)
Loyalty Program

12. ONE TIME PAYMENT BILL (OTPB)
 Bux.com technical point of
difference, is our capability to give
an un-banked customer the chance
to participate in e-commerce
spend.
 Generate a One Time Payment Bill
(OTPB) on any participating web
merchant site.
 Pay at over 2,000,000 Transaction
Points of Presence- AND
GROWING!
 Multi currency payments
 KYC compliant
 Real-Time processing and payment
capability for the customer and
merchant.

13.  Gain access to Telco prepaid load and top up
your mobile credits either for you or for others by
simply sending an SMS keyword or accessing your
online account.
 In an instant, mobile load will be received,
without having to go to a prepaid mobile reseller
store.
MOBILE LOADING
VAS – MOBILE TOP UP

14.  Bills payment services available twenty–four hours a day so you can pay your bills
on your own time
 Saves you the hassle of paying late fees
BILL PAYMENT’S
Utilities Mobile + Telco Cable TV + Internet Credit Card
Insurance Charity Institutions Real Estate
VAS – BILLS PAY

15.  Purchase E-Gift Cards instantly for yourself or send as a gift to others
 Gift Cards are offered in a range of denominations, the cards can be used
online or on location at the issuing retailer.
 Personal message for the recipient can be added
VAS- PRE-PAID GIFT CARDS

16.  Easy to signup
 NO credit check is needed and all customers with mobile phone are qualified
to register for a VOIPBOX account.
 NO Contracts; No Bills, No Hidden Charges, No Set-Up Fees
 NO physical cards to carry
 NO PINs/Codes to remember
 Low rates available and users can make calls to almost anywhere in the world
 Loading funds to the VOIPBOX account is easy
VOIPBOX – TAKING VOICE CALL TO THE NEXT LEVEL!
VAS- PRE-PAID VOICE CALL

17. CONCLUSION
From day 1 the plan of bux.com has been very focused on the SINGLE intention to build
a seamless web/mobile ‘PROCESS’ that would act as a ‘GATEWAY’ to convert the
spending power of the cash economy into a compliant on line and virtually banked
digital form to provide un-banked communities access to mobile transactions including
‘SPEND’.
For fifteen years on line shopping and e-commerce services has been the domain of the
banked minority. And for this period web merchants, have been chasing a share of the
same market segment of credit worthy customers. So if debit is the new credit then we
can now introduce the cash economy as a new on-line untapped spend and payment
source.
As mobile distribution reaches critical mass and smart web phones become the norm,
then revenue opportunity from on-line shopping as a value added service can come
into play.
As the world rushes to provide internet access to all inhabitants on the planet, so
bux.com will rush to convert the unbanked community as welcome participants in the
everyday practice and opportunity for web and mobile.
SEARCH - CHOICE - SPEND

18. The information contained in this document is strictly confidential and must not
be disclosed to any other person by the recipient of this document or any of its
employees without prior written consent of bux.com.
Similarly, the information must not be further reproduced and must only be
used by recipient for the purpose of evaluation and response to this document.
All rights are reserved. No part of this publication may be reproduced, stored in
a retrieval system or transmitted in any form or by any means, electronic,
mechanical, photocopying, and recording or otherwise without the prior
permission of bux.com.
The recipient is permitted to disclose the information only to those employees
and professional advisors who need to have access to it only to the extent
required enabling them to carry out the evaluation of this document.
In connection with the information disclosed in this document, no
representation or warranty, expressed or implied, as to the accuracy,
completeness or reasonableness of any assumption which may be contained in
such information as given or made. bux.com disclaims all liability based on or
relating to the use by the recipient of such information.
Only those terms and conditions, which shall be included in one or more
definitive written agreements, when executed, shall have legal effect.
DISCLOSURE OF INFORMATION