Product Overview

1. ProductOverview ByPeerbits/DigiPay.guru

2. COMPANYPROFILE DigiPay began its journey in the year of 2019 as a product of Peerbits, a leading mobile applica�on developmentcompany. Since then, we have come up with several digital financial solu�ons and modules such as mobile money, reward program, Top up and bill payment, Interna�onal remi�ance, Merchant solu�on, Microfinance, Agency banking,etc. DigiPay also offers mul�ple services and func�onali�es on a singlepla�orm. 100+mn Project Staff Fintech transac�ons peryear Fintech transac�ons peryear Fintech transac�ons peryear DigiPay has earned its reputa�on as a technology solu�on provider with a global market approach for digital wallet solu�ons. We leverage cu�ng-edge technologies to deliver first-class FinTech solu�ons that cater to banks, fuel retailers, toll payment industry, and various other business enterprises.Tillnowwehavedeployedoursolu�onsinSouth Africa, Angola, UK, Bahamas, Hai�,etc. Years Customer 1.5+mn Fintech transac�ons peryear Fintech transac�ons peryear Fintech transac�ons peryear

3. 09 regionaloffices Canada France SaudiArabia Egypt UAE USA China India Nigeria Uganda Colombia Malaysia 450+ projectsdelivered Australia 100+ employeesglobally

4. FinancialServices Reaching at Wider Range ofFinancial Services Banks Enterprises Agents UtilityProviders Merchants Consumers

5. MobileFinancial Convergen mBanking AgencyBanking MobileBanking TUB BillPayment Top-up mWallet MoneyTransfer SalaryDisbursements Remittance mPurchase mTicketing Merchant Payments Micro Finance MicroInsurance

6. DigiPayOverview Access Modes/Channels Services mTransfer Domestic International mTicketing Bus Flight Train Movies Events mPayment MicroFinance Lottery MerchanPayments POS USSD SMS App Web Devices mTopup Airtime Electricity DTH MobileData PC/Laptop/Tab POS Feature/BasicPhone SmartPhone mWallet FundTransfer Withdrawal BankTransfer Alert &Notification BillPayments mBanking AccountStatement Fund Transfer Withdrawal PIN management Cheque Request Alerts andnotifications Billpayments Platforms HTML Android IOS

7. Wallet KeyFeatures KYC Management Wallet Profiling User Management Alerts andReports Access Management Tax Management Charge andDiscount Management User Onboarding Threshold Management Float and Transaction basedrules

8. Selfcareforeveryone (Customer, Agent,CSR) SelfRegistration BalanceEnquiry ChangePIN ConsumerRegistration LastTransaction

9. Comprehensive TopUp and RechargeTool RetailerRecharge BulkRecharge Bill PaymentsUtility SelfRecharge Single PIN/PIN–Less Top Up Multiple PIN/PIN–Less TopUp EVD –CompleteBill CycleManagement Top Up viaBanking Balance TransferMNO DeviceandNetwork Independent

10. Intelligent RemittanceHub Float RuleManager Transaction RuleManager Restrainfloattransferin-outofMobiFinplatform Restraintransactioncontrolin-outofMobiFinPlatform Wallet AnotherWallet Wallet From a registered XXX Money user to another mobile operator’s walletuser Agent Agent Agent From an unregistered XXX Money user to another unregistereduser From a registered XXX Money user to another registered XXX Moneyuser Wallet Wallet Agent From a registered XXX Money user to another registered XXX Moneyuser From a registered XXX Money user to an unregistereduser Wallet

11. Definetransferrulesand limitstopreventfraud • Gold customer (maximum transaction amount: LKR60) • Silver customer (maximum transaction amount: LKR50) Classof service • Domestic remittance(transaction • limit: LKR200) • International remittance (transaction limit: LKR 250) Transaction frequency Service • Distributor (maximum transaction amount: LKR2000) • Retailer (maximum transaction amount: LKR1800) • Daily sending limit (P2P transfer) : LKR100 • Daily receiving limit (P2P transfer) : LKR120 Role Threshold policy Payee/ Payer • USSD (daily no. of P2P transfers :10) • J2ME (daily no. P2P transfers :15) Channel • International remittance - USA to SL (daily transaction limit: USD250) • International remittance - UAE to SL (daily transaction limit: USD200) Transaction value Location • Daily cash-out limit:LKR100 • Weekly cash-out limit: LKR700 • Monthly cash-out limit: LKR 3000 Time

12. CashInandCashOut (Flexible last mile serviceoptions) • Cashin • Through Mobile Moneyagents • Enabled through MobiFinmerchant/ agentmanagement • Cashout • Through Mobile Moneyagents • Wallet to banktransfer • Through ATMterminals • Through MobiFin ATMintegration • Through Money cashcard • Through MobiFin walletmanagement • Through linked bankaccount • Enabled through MobiFin bank integra tion

13. Loyalty &Promotions Service Slab basedconfiguration Support for fixed and percentage basedincentive Customer PromotionsCreationandManagement Promotion on basis ofAssociation ServiceBased LoyaltyForms Rewards definition andManagement Agent/Distributor Loyalty points accountcreation Transaction/Value Based Loyalty points redemption via mMoney,Airtime/Data packs, GIFTS through redemptionpartners SalesforceAgent/ CSR Web interface for configuringredemption Customer case interface for Supportingqueries

14. BulkDisbursements WalletManagement Stock Management SubscriberManagement Partner Management Channel Management TariffManagement RiskManagement Reconciliation &Settlement

15. ConfigurationManagement (Boost Your Business WithDigipay) ProductCreation TreeManager SalesExecutive Denomination and Pricing Reseller and Assistant CommissionMatrix

16. DigiPayArchitecture OmnichannelDelivery Func�onalityEnablers Integra�on Layer - OmnichannelHub Browser (PC and Mobilebased) Smartphoneapp (Android andiOS) Mobile Applica�on DevelopmentPla�orm LoyaltyManagement System WalletExperience End ConsumerExperience WalletFunc�onali�es Payments Online Payments U�litybill payments Bill Payments Payment Gateway Physical payments WalletRegistra�on In-storePayment (QRcode) Mobile Top-up WalletTop-up Host Integra�onFramework FundTransfer Wallet toWallet Know yourCustomer KYC Engine Wallet valuestore CRM Wallet to BankAccount LoyaltyOffers

17. Highly SecuredFramework Encryp�on Methods Audit Trails System Security VPN &HTTPS Login & Password Management Access Security Key Genera�on for AppUsers SINGUP Applica�on Security

18. AntiMoneyLaundering(AML) Business RuleManager Float RuleManager Transac�on RuleManager

19. AboutUs • DigiPay helped its client based in South Africa to come up with their own digital payment applica�on. In recent years, the mobilepayment industry in South Africa has boomed.Cryptography and has strength of 2048bits. CaseStudy • According to a study, it’s es�mated that the mobile paymentindustry in South Africa is expected to record a CAGR of 12.9 % by the year 2025 with an evalua�on of US$ 29,424.4 million. This was one of the biggest mo�va�on for our client to enter thisindustry. • Challenges • Appsize • Onboarding andKYC • Rest APIsecurity • QRscanner • Solu�on • Reduced app’s downloadsize • Made the onboarding and KYC processeasier • REST APIsecurity • Op�mized QRscanner

20. AboutUs • We recently helped one of our clients which is a FinTech start-up company that was established in early 2019 in BGC, Taguig. They wanted to start their business in e-money, electronic payment, financial services, and all other related businesses. As per a report, themobilepaymentindustryinthePhilippinesises�matedtorecord a CAGR of 24.1% by the year 2025 with a total evalua�on of US$ 19,816.4million. • Similarly,themobilewalletpaymentsegmentwillincreaseatCAGR of 24.2% during the phase of 2018-2025 in valueterms. • Challenges • To ensure REST APIsecurity • Assure Android appsecurity • To achieve quick response�me • Establish 100% serveravailability • Solu�on • Provided digital signature with eachrequest • Applied secure preferences and Pro-Guardrules • Op�mized each query and cachedatabases • Employed auto-scaling policy and framedrules CaseStudy

21. Please contact the team to discuss queries and furtherdiscussion: hello@digipay.guru +91 9574078295 www.digipay.guru hello@digipay.guru