Inypay aims to provide next-generation financial services to underserved populations in Southeast Asia through a digital banking platform. Their solution addresses the problems of financial exclusion, lack of knowledge, and tedious paperwork that many face. They plan to launch services in Singapore, Philippines, Indonesia, and Vietnam focused on payments, savings, lending, insurance and more. Inypay expects to generate $200 million in revenue by 2026-2027 with an $2 billion valuation by targeting the large unbanked population in Southeast Asia through a digital twin tower strategy serving both retail and SME customers.

1. fi
rst next-gen
fi
nancial experience
platform
Singapore HQ - Neo Bank

2. • The Problem and the solution
• Our Unique Business and Tech
Differentiation
• Market size/Opportunity
• Founder and Key Leadership Team/
Advisors
• Our Business Model
• Marketing and GTM Strategy
• Our Product Roadmap
• Our Ask
• Exit strategy

3. Improve the lives of the underserved and
unbanked in Southeast Asia with a next-
generation digital platform providing them with
hyper-personalised
fi
nancial experiences and
digital-only products & services.
Our purpose

4. Problem: 280 Million Underserved and unbanked populations’
fi
nancial needs are not severed by existing banks and FI’s in SE
Asia
Why I am unable to borrow?
Why are there no better-savings options?
Why can’t I send money to home instantly?
Why are so many documents required?
I can’t a
ff
ord the time to goto
branch and wait!
Why can’t I have a digital and
seamless service for my needs?
‣ Financial Exclusion
Lower-income groups are denied some banking
products & services such as Loans/ Credits
‣ Lack of Knowledge/ Poor Literacy
Finance terminologies, processes and portals, are too
complex to understand and di
ffi
cult to access
‣ Tedious Paper Work, Long Wait Time
Physically & Emotionally draining. Blue-collar workers
don’t have the luxury of time in di
ffi
cult
fi
nancial
situations and often need help ‘instantly’.

5. Present Harsh Realities
Banks 👎 👎
Unapproachable and high
friction.
No way to get emergency
cash and send money
urgently to a loved one
back in home country.
Money transfer
services 👎
High fees, high exchange
rates, slow transfer times.
Need to queue up
physically on the only day
off.
Pawn shops 👎 👎 👎
Ridiculously high interest
rates. Risk of fraud and
scams.
Employers/friends 👎
Fear of rejection and debt
shame.
Each available channel has signi
fi
cant
downside…

6. Solutions: INYPAY Addresses the needs of the Unbanked
Small value
investments
Pay later and
Earned Wage Access
Domestic payments,
Remittances and VAS
Account issuance
Roadmap
to
Financial
well-being
Micro-insurance
Next-Gen
Financial Experience
Neo / Digital banking
for the underserved/
unbanked
with buy, pay, lend,
send, save, and
secure services

7. Automated Digital
Onboarding & e-
KYC
Pay Later & EWA
Micro Lending
Innovative
Product and
Services
Inclusive Finance
(Underserved/
Unbanked)
Twin Tower Market Strategy
(Retail & SME)
Retail & MicroSME - Reached via Distribution channel and EcoSystem
Partnership
Robinhood Business Model
Hyper-
Personalizationation
Key Business Di
ff
erentiators
(USP)

8. Born in the
cloud
100% Open
API based
Top notch
security
Customizable
white-label
AI driven
experience
Low cost &
fast GTM
Banking -as-a-Service for Retail and M/SME
Build via in-house Team / AWS Cloud (IP)
Same Team - 2nd Time to build Ground-up Digital Banking Tech
Solutions
Key Technology Di
ff
erentiators
(USP)

9. Inypay will tap into the wave of
fi
nancial inclusion,
Circular Economy, and Green Finance ☘
* Singapore
~30% of the population is under-banked, dominated by Foreign workers and Foreign
domestic workers
** Philippines
~66% of the 110 million population does not have access to many banking services (7K
Islands)
*** Indonesia
~50% of the 270 million are un-banked and under-served (14K Islands)
**** Vietnam
~69% of its total population has no access to traditional banking services or similar
fi
nancial
organization services
Market Opportunity
70% of South East Asian Market is Unbanked

10. $100B opportunity
Philippines , Indonesia and Vietnam are among Top 10 most unbanked countries
SE Asian Neo Banking Projections:
1. Transaction Value in the Neo Banking
Segment is projected to reach
US$90bn in 2023
2. Transaction Value through digital
wallet is projected at US$138bn by
2025
3. Transaction value is expected to
show an annual growth rate (CAGR
2023-2027) of 17.24% resulting in a
projected total amount of US$171bn
by 2027

11. Arivuvel Ramu, Founder & CEO
Mastermind (Technical Brain) behind Tonik Digital Bank, the
fi
rst neobank in
Philippines
• Co-Founded (part of the foundation team) and built the Philippines’
fi
rst Digital Bank, TONIK
Digital Bank from the Ground Up, Now Valued close to USD $1+ Billion
• A relentless visionary leader in the Banking Sector
• Strong Connection with top leaders at Financial Institutions and entities
• Spearheaded projects with DBS, UOB, Maybank, OCBC, Axis Bank, Citi India, Union Bank,
China Bank, Bank Danamon, MAB and NDB
• Successfully led digital transformation programs for banks across South-East Asia, the
Middle East & North America
“Our vision is to build a legendary
fi
nancial institution in South East Asia by
2026 with an estimated value of USD $2 Billion”
MCA. (India), MBA (Aus)
Singapore PR (13 yrs) / Indian

12. Sree Barani Sundaram
Co-founder and CTO
1. 19 years in banking
2. Previously headed in Fintech in
Vietnam.
3. Ex-CTO, of TP Bank, Vietnam
4. Ex -RHB Bank Malaysia , DBS Bank
Singapore, SCB Bank Singapore.
Neeraj Pandey
Chief Commercial O
2. Previously CCO of SOCASH
(NIUM) Fintech Venture
2. Ex-Head of Retail, MD from ICICI
Singapore
3. Ex. Head of Retail, Card,
Payments, and Remittance from
ICICI UK and India
Sudhir Nain
Chief Design O
2. Successfully Run UX Studio Bayzil
3. Ex SCB Bank Singapore and CA
4. Heading the UI/UX, Design, and
Personalised user experience
Key Leadership Team
Technology User Experience
Business & Product

13. Seng Chong Tan
Chief Financial
O
fi
nance & accounting,
P&L, treasury, audit,
tax, FP&A.
Previously at KPMG,
FIS, TAGIT
Senthil
Chief Partner Of
Previously at
Panasonic, Fuji Xerox
Ray
Chief Marketing
O
Previously at XCION
Yacine Derradji
Head of Investment
11+ yrs in Fintech
Fundraising
Previously at Berkshire
Hills Capital Group,
Wendel PE
Leadership Team
CK
Chief Compliance
O
Previously at FOMOPAY
Singapore
Kawin
CISO (Security)
Over 20+ years in Information
Security / Cybersecurity
Previously at Gojek
Singapore
1. CCO (SMB/mSMB) - Ex validus, Ex-Prudential, Singapore
2. COO - Goldman Sachs, MD, Ex-Citi, Ex-ABN Amro
3. CRO - Tonik CRO
4. Head of Sales - Ex Mastercard
New Leadership Team (Waiting to onboard)

14. India - R&D
Featherlite, 4th Floor, WorkerZ,MMRD Road,Zamin
Pallavaram, Chennai-44, Tamilnadu, India .
Singapore - HQ
INY FINANCIAL PTE LTD,
Bugis Junction Tower, Level 15, Ucommune
24 Seats Of
fi
ce (Co-Working)
Singapore: 20 FTE
India: 33 FTE
Plan to Grow as 100+ People by Q2
2023 in India (low cost shared
service R&D / Operations)
Our Team (55+ People)
Philippines: 1 FTE
Indonesia : 1 FTE

15. Malavika Shankar
President, GEC
Media Group
People,
behaviour, marketing
and branding advisory.
Virender Aggarwal
Ex CEO Ramco
& founder ConvInt.Ai
Technology advisory for
enterprise scaling &
governance.
Namrata Jolly
GM, CallSign
Cybersecurity and New
Market Advisory.
Amor Maclang
Convenor, Digital Pilipinas
GTM and Fintech Advisory
Mustafa Kugu
Founder, MENA Fintech
GTM and Fintech Advisory
Our Advisors

16. Inypay product suites are aligned with the Customer's needs
Customer Segment
Foreign worker
( Work Permit/S Pass)
PR/Citizens
(Low Income)
Tourists
Product
Payments
Cross- Border
Domestic
Cross -Border
Domestic Domestic
Account Issuance Wallet Wallet Wallet
Cards Open Loop Open Loop Open Loop
Pay Later
Up skilling through
Education courses
Education/Food/Medical/
Retail
N/A
Early Wage Access Emergency Cash Emergency Cash
Value Added Services
Mobile Top Ups
(Voice/Data)
Mobile Top Ups
(Voice/Data)
e-SIM
Micro-insurance Micro-insurance
Business Model

17. Business model - How we Make Money?
Customer Segment Partner
(Merchant/Business)
Partner
(Payment Gateway/
Scheme)
User
Product
Payments- Domestic Interchange N/A
Payments- Cross- Border Fx Margin Fee
Account Issuance Float
Cards Interchange
Pay Later Commission Late Payment
Early Wage Access
Membership Fee
Withdrawal fee
Late Payment
Value Added Services Commission Fee/Margins

18. B2C GTM strategy
We are targeting to launch a neobank in Q2 2023 in Singapore, Q1 2024 in the
Philippines as our key focus. It will generate $ 200m revenue by 2026-27 with
8m customer base and a $ 2b valuation
Q2 2023
✓INYPAY SG Pilot Launch
✓Self onboard, unsecured
lending for education/
emergency cash (EWA).
✓Integrate with Stripe
payments.
✓Lending/payment license.
Q2 2025
✓INYPAY VN pilot launch
✓INYPAY INDIA pilot Launch
Q1 2024
✓INYBANK PH pilot launch
(Neo Bank)
✓Retail (save, lend and pay).
✓MSME (invoice
fi
nancing /
digital onboarding)
Q4 2024
✓INYBANK Indonesia pilot
launch (EWA)
✓Retail (save, lend and pay)
✓SME (invoice
fi
nancing /
digital onboarding)
Regulatory License
Starting with Partner License -
Q2 2023 (go to market)
* Apply our own MPI/CMS - Q2
2023 (6-8 months)
Regulatory License
Buying Rural Bank in
Philippines

19. Marketing Roadmap - Singapore
Tourist Visiting SG
Home Country
Advertisement
Booth at Airports /
attraction
Partner Channel - Travel
Agency
QR code based Ads at
airports / tourist spots
Foreigner Working/Living
in SG
Booth at Workers
Gathering Place
Digital Facebook/TikTok/
Youtube Ads & marketting
TV /Radio FM Ads
Booth at Workers Hostel
Singapore PR/Citizen
In
fl
uencers Talk/References
Wire Articles / Ads
Ads at Merchant places
Facebook Targeted Digital
Marketing
Reward program
Merchant Ads/booth
Merchant Pro
fi
t Sharing
mSME Dedicated Support
Distribution Acquisition
Retail
mSME

20. Q2 2023
Educational Credit
(Study Now Pay Later)
Emergency Cash
(Earned Wage Access)
Stripe Payment Gateway
Remittance (Local Bank)
Remittance (PH, India)
Q3 2023
Save Virtual Gold
(Wealth)
Wallet / Open Loop Card
Micro Insurance (Mobile,
Personal Accident)
Mobile Topup
Game Credit Purchase
Q4 2023
Bill Payment (Singapore)
Bill Payment (PH, India,
Bangladesh)
Mobile Topup (PH, India,
Bangala)
Attraction Ticket Purchase
INYPAY Singapore / Roadmap (Neo Bank)… Current Focus
(Retail Business )
MPI License
Lending License
Partner Eco System & IP

21. Q3 2023
Store (SGD Biz Virtual
Account + Wallet)
Lend (Digital Workcap Algo)
Send (PayNow + GIRO)
Spend (SGD Biz Virtual
Corp Card + Expense
Management
Q4 2023
Secure (PA, Group
Insurance with NTUC
Income)
Store (Multi-currency)
Lend (Early Wage
Access / Payday Loans)
Send (FX)
Q1 2024
Spend (Theme based Unlimited
Virtual Cards)
Secure (Keyman, Asset backed
insurance)
Bookeeping (Xero / QuickBook /
Netsuite integration)
Invoicing (InvoiceNxt integration)
Transactions / Statements
INYPAY Singapore / Roadmap (Neo Bank)
(microSMB / SME)
CMS License
Partner Eco System & IP

22. Q1 2024
Educational Credit
(Study Now Pay Later)
Emergency Cash
(Earned Wage Access)
Paynamics Payment
Aggregator (OTC, Bank,
Wallet)
Transactional Saving
Account
Q2 2024
Personal/Communal
Saving
Debit Card
Micro Insurance (Mobile,
Personal Accident)
Mobile Topup
Game Credit Purchase
Q3 2024
Bill Payment
Crypto Saving (Wealth)
Retail and Food Credit
Medical Credit
Remittance (Inbound)
microSME/SMB ++
INYPAY Philippines / Roadmap (Neo Bank)… 2024
Rural Bank License

23. Revenue Projections
$ 0 m
$ 50 m
$ 100 m
$ 150 m
$ 200 m
2023 2024 2025 2026
$0m
2023
$10m
2024
$40m
2025
$80m
2026
B2B (mSMB/SME)
$0m
2023
$10m
2024
$50m
2025
$120m
2026
B2C (Retail)
USD Million

24. Country-wise Revenues- B2C
(Retail Business)
Country 2024
USD Million
2025
USD Million
2026
USD Million
Singapore 1.5 5 9
Indonesia 4.5 17.5 42
Philippines 4 20 48
Vietnam 0 7.5 21
Total 10 50 120

25. For our seed round, we are raising USD 6m for 20% dilution.
(USD 30m valuation)
Our Ask
40%
Engineering & platform building
60%
Marketing, License and operations
Seed fund use/2023
License :
* Partner Solutions Integration (in
Singapore) along with Legal Opinion
Activity In progress:
* MPI License Application with MAS,
Singapore
* EWS Approval application with
Indonesia
* IP Submission to protect Banking
as a Service Tech Stack (AWS / In-
house)

26. Investment, Growth and Exit strategy
Nov 2022
F&F
$1m cash
$20m valuation
5% dilution
Jan-April 2023
Seed
$6m cash
$30m valuation
20% dilution, 1.5x
fund growth
May-Aug 2023
Pre-series A
$25m cash
$75m valuation
3x fund growth
Jan-March 2024
Series A
$50m cash
$200m valuation
5x-20x fund
growth
Jan-March 2025
Pre-Series B
$100m cash
$500m valuation
8x-20x fund growth
M&A
Key costs
Onboarding senior
leadership team
Key costs
Sales, marketing,
branding, ops,
engineering & innov.
2026 – M & A kickoff (2028 exit plan):
Target $2b valuation by 2026, $200m revenue
(20x growth)
Customer base: 8m
Countries: 5
Early exist at series-B (secondary or buy-
back / 2026 Q4)
$3m for board seat
& 10%
Min $300k for 1%
Investment Vehicle:
SAFE Note (Post
Money)
Raising 81 M USD $ Capital over 12 months / 3 rounds

27. Fund Growth projection / Exit
$0
$5
$10
$15
$20
SEED PRE-A SER-A SER-B
$1m
2023
$3m
2024
$5m
2025
$8m
2026
Standard Growth
$0m
2023
$5m
2024
$8m
2025
$20m
2026
Super Growth
Series-B
Series-A
Your 1M $ USD investment now will be turned into
20M $$$ USD by 2026 with 20x Growth Early Exit ( Secondary)
2026

28. Our Twin-Tower GTM Strategy
Company & Structure
Iny Financials Pte Ltd
Singapore (HQ)
Iny digital Pte Ltd
Singapore
(Banking as a Service)
Inypay Pte Ltd
Singapore
(B2B2C)

30. Media References / Coverage
Fintech News Singapore:
https://
fi
ntechnews.sg/68404/payments/singapore-based-neobank-inypay-raising-funds-ahead-of-mid-2023-
launch/
Economic Times, India:
https://ciosea.economictimes.indiatimes.com/news/corporate/inypay-raises-funds-for-neobank-before-launching-
mid-2023/97031206
Money Control, India:
https://www.moneycontrol.com/news/business/banks/singapore-based-neobank-inypay-to-launch-
in-2023-9872451.html
Asia Business Outlook, India:
https://www.asiabusinessoutlook.com/news/singapore-s-
fi
ntech-inypay-has-a-2-billion-dream-powered-by-an-indian-at-the-
helm-nwid-2212.html
Fintech News , Malaysia:
https://
fi
ntechnews.my/34099/virtual-banking/singapore-based-neobank-inypay-focusing-on-sustainable-development-goals/
Bankero, Philippines:
https://bankero.com.ph/singapore-based-inypay-eyes-ph-launch-on-2024/

31. Thank you
India of
fi
ce
Olympia Tech Park, 3rd
fl
oor, Altius Building,1,
SIDCO Industrial Estate, Chennai-32
Singapore HQ
INY Financial Pte Ltd, 68 Circular Road, #02-01,
Singapore-049422
Reg. No. 202142217R
Get in touch
Phone: +65 92450123
Email: Arivuvel.Ramu@inypay.com
Web: www.inypay.com