The document discusses Modo Payments, a digital payments hub that connects existing payment systems like cards and ACH to digital experiences. It notes that over 95% of digital payments volume comes from existing payment systems. Modo acts as an intermediary that is able to load any value from payment networks, use any network, and send funds to any destination while integrating with existing payment systems using its COIN technology. This allows new digital payment experiences to utilize existing infrastructure.

1. CONFIDENTIAL © 2016 MODO PAYMENTS
Connecting
Payments
Modo Intro

2. CONFIDENTIAL © 2016 MODO PAYMENTS
Digital payments still requires access
to existing payments systems
Old infrastructure powers payments
Similar to recent advances in powering cars

3. CONFIDENTIAL © 2016 MODO PAYMENTS
Over 95% of digital payments volume comes
from existing payments systems
Digital payments needs connections
PayPal - $280 Billion in Volume
•30% funded by ACH
•65% funded by Cards
•5% funded by PayPal account balances
Starbucks - $3.5 Billion in Volume
•94% funded by Cards
•6% funded by Loyalty
Apple Pay - $50 Billion in Volume
•100% funded by Cards
Android Pay/Google Wallet - ~$5 Billion in Volume
•100% funded by Cards
Cards
ACH

4. CONFIDENTIAL © 2016 MODO PAYMENTS
Topping $1T by 2020, with a big up from in-store
Digital payments growing fast
• Today
Digital = Online
• Tomorrow
Digital = In-store + Online
• Both
Digital = Existing Payment
Infrastructure
• Cards
• Accounts
Source: Aite Group, Modo

5. CONFIDENTIAL © 2016 MODO PAYMENTS
modo is…
a digital payments hub
that
connects existing payments systems
to
digital experiences
without
changing the existing systems

6. CONFIDENTIAL © 2016 MODO PAYMENTS
LOAD ANY
VALUE
USE ANY
NETWORK
GO TO ANY
DESTINATION
USES NATIVE
INTEGRATIONS
modo is like a shipping container
for intermodal payments
A digital payments hub that delivers value into new digital payments experiences

7. CONFIDENTIAL © 2016 MODO PAYMENTS
modo’s role in digital payments

8. CONFIDENTIAL © 2016 MODO PAYMENTS
PRE BUILT
CONNECTORS
ROBUST STATE
MODEL
NO BATCH
PROCESSING
INSTRUCTIONS
ONLY
GOOD FUNDS
REAL TIME
ALWAYS IN
BALANCE
DISPARATE
SETTLEMENT
Why modo?
Connecting payments transactions with COIN®
The patented COIN® transaction manages the
complexities of integrating existing payments systems

9. CONFIDENTIAL © 2016 MODO PAYMENTS
Connecting
Payments
Digital Payments Hub for
connecting existing
payments systems to new
digital experiences