This presentation proves the case on how can blockchain enabled ecommerce payment solutions help speed up the adoption of ecommerce globally. It points out to three main barriers and how blockchain tech solves these. These are: 1. eCommerce infrastructure and performance is becoming more and more complex and costly. 2. current access to new markets is becoming harder and more expensive. 3. and user experience is not being able to create enough trust for users to want to buy online. Heatledger's solution to Paytah's ewallet solves these issues by: 1. moving to a decentralized infrastructure that removes middlemen and makes better use of the network's capabilities, resulting in faster, more secure, and cheaper. 2. facilitating access to developing markets, the unbanked, the uncredited, and all other with access to the crypto market. 3. solving trust issues in user experience, related to privacy concerns, security fear, multiple gateway logins, and lack of supply-chain transparency. For more information and a live demo, contact me at fito@heatledger.com.

1. The Benefits of
Blockchain for
eCommerce
Fito Benitez
Head of Marketing
fito@heatledger.com
January 2019

2. Growth of eCommerce
2014 2015 2016 2017 2018 2019 2020 2021
4,5
3,9
3,3
2,8
2,3
1,9
1,51,3
Sales in $Trillions*
10%
13.7%
*Shopify: The Enterprise Guide to Global eCommerce

3. "eCommerce is broken. In less than two decades,
a handful of private eCommerce platforms have
grown to account for over half of online
retail sales. The exorbitant fees and
commissions they charge force sellers to drive
up prices, ultimately hurting consumers.”
KJ Erickson (founder of Public Market)

4. How can we speed
up growth and fix
this issues?

5. 3 challenges with
eCommerce Today

6. 1. Infra & Performance: Complex & Costly
security
cost
speed
interoperability
infra

7. 2. access: Steady but Slow
UNbanked UNcredited
developing markets
access
crypto market

8. 3. User experience: trust is an issue!
ux
security
fear
multiple
getaway
logins
privacy
concerns
no supply-chain
transparency

9. Conclusion: challenges for growth
traditional
ecommerce
infrastructure
is complex
and expensive
current
requirements
limit access to
merchants /
consumers
lack of trust in
user experience
is preventing
consumer
adoption

10. The blockchain
Opportunity

11. Benefits of Blockchain, Crypto and UX
Benefits of Crypto Payments
1. opens access to the $120B crypto market
2. enables participation of the 2B unbanked and
uncredited.
3. removes intermediaries and associated fees.
4. allows P2P instant transactions.
5. eliminates cost barriers for SMBs to enter.
6. frees from playing by the bank rules.
7. enables int'l transactions without exchange
rates.
8. eliminates fraudulent purchases and
chargebacks.
Benefits for User Experience
1. eliminates multiple getaway logins
2. provides trust and security to purchase
Benefits of Blockchain Infra
1. reduces data storage
2. decreases data handling costs
3. improves customer privacy
4. improves data security and minimises costs
5. enables visibility of order fulfilment process
6. enables supply-chain transparency (ex.
counterfeit)

12. Heat Ledger is a blockchain
software company specialised
in fin-tech based in Finland.
Paytah Case: Requirements
Paytah is an ecommerce
payments solutions provider
based in Malta.
We want an ecommerce payment system that:
✓ takes advantage of the benefits of
blockchain infrastructure,
✓ includes traditional FIAT payments,
✓ allows the benefits of crypto payments,
✓ and is blended in a trustful and seamless UX
We choose Heat’s private blockchain tech because:
✓ it has no problems with scalability,
✓ it uses a high security consensus mechanism,
✓ it comes with a development kit to easily build
extra micro-services,
✓ the team has 20 years of experience building
ecommerce solutions,

13. Heatledger’s Solution
CRYPTO
PAYM
ENTS
FIAT PAYM
ENTS
CREDITCARDS
VIRTUALIBANs
H.E.A.T
Blockchain Tech
PAYTAH
e-wallet
ACCOUNTTOP-UPS
CUSTOMINTERFACE
MICROSERVICE
X
M
ICROSERVICE
Y

14. Conclusion: blockchain-enabled systems
will speed up growth!
ecommerce
infrastructure
becomes cheaper,
faster, accessible
and more secure
crypto payments
open up access to
crypto market, and
the 2B of unbanked
and uncredited
user experience
improves by
solving trust issues
and eliminating
multiple logins

15. Thank you!
Fito Benitez
Head of Marketing
fito@heatledger.com
January 2019