The document discusses the challenges and opportunities in the global remittance market, particularly focusing on the unbanked populations who rely on costly informal credit sources. It highlights the potential of cryptocurrencies and blockchain technology to disrupt the traditional remittance system by offering more efficient, low-cost money services. The document emphasizes that significant savings could be realized by leveraging these technologies to reduce remittance costs and mobilize diaspora savings.

1. RedAntswww.red-ants.co
Consumer-to-Consumer (C2C)
Money Services
Next Generation
Work in progress
The
presented by
MezzaCap
We invent CryptoBusiness

2. (*) Sources: Worldbank Report, April 2015 (Link), Worldbank Poverty Report, April 2015, (Link) and The Global Findex
Disparities
4 billion people earn less
than USD 10 per day
2.2 billion people earn less
than USD2 per day
Unbanked:
2.5 billion or 38% people
worldwide have no bank
account
55% of borrowers in
developing countries
use informal sources of
credit
Mobile:
>50% of adults
worldwide own
smartphone
68% use it for money
services
The Money World Today
The Poor,The Unbanked & The Mobiles
Disrupting
Phenomena
Crowdfunding &
Cryptocurrencies

3. 11% in high-income economies 55% in developing economies 77% of adults earning less
USD 2 a day
DON`T HAVE A BANK ACCOUNT
Why?Costs of bank services
No bank available locally
No money available
The Unbanked People
Majority of people in developing economies have no account
(*) Sources: Worldbank, Global Findex (Link)

4. BRICS & Asia Pacific
• 3.5 billion people (40% of world population)
• migrant remittances in 2015 $160 billion
(*) Sources: Worldbank Report on Migration and Remittances, April 2015, (Link )
Migrant Remittance - A Huge Market
Remittance Business in BRICS and Asia Pacific today
Developing Countries (total)
• 250 million people live and work outside their
countries by the end of 2015
• remittances to developing countries in 2015: $440 billion
• rising to $636 billion in 2017
• Diaspora savings in 2013: $497 billion

5. (*) Sources: Worldbank Report, April 2105, Link
The Migrant Remittance Market
A huge market that is about to be disrupted
Remittances are
a critical source
of national and
families’ income
Migration
remittances are
large and more
stable than many
other types of
capital flow
Global remittance
market generates
more than USD 32
billion Revenues
for financial service
providers
less than 2 % of
remittance flows
from mobile devises
in 2013
despite lower cost
due to the regulatory
burden related
USD $100 billion in
migrant savings
could be raised
annually by reducing
remittance costs and
mobilizing diaspora
savings.

6. Warning & Cost Alert
Cost Alertfor 4 billion people
remittance of a week`s earning
can cost you a few days of work

7. Germany to India (EUR 140)*
Firm Total Cost Transfer
Percent Speed
Transferwise 0.23 2d
Azimo 1.07 1d
RemitGuru 3.08 2d
UK to India (GBP 120)*
Firm Total Cost Transfer
Percent Speed
Transferwise 0.72 3-5d
RemitGuru 0.94 1d
Azimo 1.6 3-5d
US to India (USD 200)*
Firm Total Cost Transfer
Percent Speed
MoneyGram 0.42 hours
Western Union 0.72 3-5d
money2india 2.35 3-5d
Canada to Philippines (CAD 200)*
Firm Total Cost Transfer
Percent Speed
Metro Remittance 3.49 hours
hyperRemit 3.67 hours
Reliable Peso Remit 3.99 hours
Warning:
remitting small amounts
is extremely expensive:
(*) Source: worldbank.org, Remittance Prices Worldwide, March 2015 (Link)
(**) Source: saveonsend.com, (Link)
below USD 50 more than 10%**
below USD 20 more than 25%**
below USD 10 more than 50%**
The Global Remittance Market
High Costs because of Outdated Infrastructure
!
Global cost average for sending
USD 200 via an MTO is 8.03%*

8. RedAnts Market Coverage
• BRICS & Asia Pacific Region
• 500,000 Registered Bitcoin Unique
• up to 5 million Bitcoin microtransaction per day
• 70% of traffic from BRICS & Asia Pacific Region
• >80% returning visitors / Bounce rate <15%
Kickstart with strong user base
Source and notes: Stats are based on Google Analytics, Stats shown are for a single site of MezzaCap;

9. Traditional
Players:
Best Western
& others
Disrupting
Players:
Alliance Commerce
BitSpark
coins.ph
RedAnts
New but not disrupting Players :
Transferwise & others
Competitive Environment
Traditionals∣New Traditionals ∣Disrupting Players
The Market
declining
prices
new
services

10. The Blockchain Opportunity
Cryptocurrency and Blockchain unlock/disrupt market potentials
Cryptography
with high
security level
Public infrastructure with
low costs and high efficiency
Blockchain:
Public ledger
with
highest
transperency
Peer-to-peer system
from users for users with no
intermediary instances
RedAnts
Money Services
Platform

11. sending
lending
funding
The Next Generation Money Services
Instant Money Transfer - first step towards a new financial world
Wallet & Blockchain
based
C2C Money Services
frictionless ∣mobile∣ convenient
trusted ∣fast∣ cheap
crowd
crowd
Wallet
Financial
(R)evolution
starts
with
a

12. Bank
BTC
Wallet
RedAnts
Wallet &
Blockchain
Based
Clearing
System
Cash
BTC
Wallet
Sender Receiver
How it Works
Wallet & Blockchain Based Instant Payment Services
BTC
BTC
Services
• Bank
• Cash Pickup
• Cash Card
• ATM/BTM
• Mobile Money
• Pay Bills
• Load Mobile
• E-Commerce
• Gaming
• Other BTC offer

13. Goldman Sachs
The Future of Money – Payment Disrupter Bitcoin

14. $
Advertising
Income:
Advertising
Revenue
„Red Ants“ Free Money
Services
• Free Bitcoins payouts
• Free Remittance Svcs
• 500,000 registered users
• up to 1.5 Mio micropayment
transaction per day
Market Share &
Frequency
• Unique Users
• Pageviews
• E-Commerce
• Ad Clicks
Fee Money
Services
Remittance
Lending
Crowdfunding
100%
Zero Budget
acquisition
strategy
Huge Customer Base for Kickstart
Cryptocurrency and Blockchain will unlock market potentials

15. Thank You 4 Your
Attention
for more information
Please visit us on
www.red-ants.co