A hardware and software platform, which turns a smartphone into a powerful payment, loyalty and identification tool: - All-in-one, - Simple authentication & authorization, - P2P transfers, - Pay by QR code, - Pay by NFC, - Pay by cards linked to an account, - Mobile acquiring, - Invoices, - Loans, - E-policies, - Consolidation of loyalty programs, - Discounts and promotions, - Ticketing. White Label - under Your Brand in 2-3 months!

1. Financial
and Marketing
Solutions:
Mobile Wallet
November, 2016

2. e-Tickets
Personal
Finance
Management
Shopping
and
payments
Loyalty and
interaction
with brands
Money transfers
and bills sharing
Financial services
(loans and
deposits,
insurance and
more)
Modern Mobile Wallets
2
…are not just about online access to cards and balances, there’s much more to it

3. Wallet Factory Payment
and Transactional Platform
All-in-one
A wide variety of payment and
marketing solutions united under
one goal (creating unique offering
for each customer basing
on analysis of her transactional
activity) and mobile interface
Integrating the market
Synergy through integrating
merchants, service providers and
customers within
one ecosystem
Unique
Developing set of mobile payment
and transaction solutions.
Uniqueness in 4 dimensions:
technological, geographical,
temporal and marketing.
Monetization of
transactional data
3

4. Central Channel Control
4
Customers’ advantages:
• Familiar interface, unified
experience, seamless customer
journey
• Limitless freedom, the right payment
or loyalty tool for every life situation
MONEY IN THE CLOUD
Payment Gateway
Modules
Clientoptions
SystemApplication
PrePaid Credit Card
Bank
account
Loyalty
E-
wallet
Payment/
Top up
OTP …
Web
browser
NFC
iOS,
Android
PoS
SMS/US
SD
Advantages for providers:
• More points of contact with the
customer, more monetization
opportunities
• Building brand strength and
customer loyalty in multiple channels

5. Strengthening your uniqueness
5
Uniqueness

6. Technological uniqueness
6
Technological
uniqueness
Maximum security of personal, payment and
transactional data
Technological commonality and interrelation of all
solutions and platform components
Tags+smart data storage+CRM=automated process to
build customer loyalty
Real-time communication with customers at the right
time in the right place
Exchanging digitalized values between merchants and
customers in real time

7. Our Platforms –
mWallet and eWallet

8. Products Overview
Mobile Wallet
mWallet
eWallet
mPOSQR POS
New Provider’s
Channel of
service and
distribution
Contactless
payments
Additional
payment tool
for Provider
8
Provider’s
acquiring
business!
Online store for mobile
commerce

9. What is mWallet?
9
mWallet is a platform
that allows Smartphone users
to manage digitized values (offers, coupons,
rewards within loyalty programs, ticketing,
boarding passes, gift certificates, ID-cards or
information about products and services) of
different brands
and makes it possible to make payments
(with bank accounts, bank cards, and
electronic money)

10. mWallet Features
10
Micropayments
Mobile commerce
Shopping
Payments to service
providers
Hotels reservation and
payments
Entertainment
E-tickets
Urban transport
Boarding tickets for
trains, buses and planes
Tickets for events
Geolocation-based offers and
services
Coupons, certificates, deals and
promotions
Loyalty programs
Mobile store
Money transfers
Personal information
Rewards management
Electronic prescriptions, etc.

11. mWallet Services (1/4)
11
Paying for goods and services with Visa and
Mastercard cards, linked to a wallet, by reading the QR-
code, generated in the online store, or any external
QR-code (on a check, on a product, etc.)
Quick authorization on the website, check-in a retail
store using QR-code scanning with simultaneous transfer
of information to identify the client
Paying for goods and services with Visa and
Mastercard cards, linked to a wallet, by reading the QR-
code with mobile phone built-in scanner
Paying for goods and services with Visa and
Mastercard cards, linked to a wallet, through reading
the QR-code from a mobile phone by scanner of
another mobile phone

12. mWallet Services (2/4)
12
Making remote pre-order in mobile wallet with card
payment, followed by a visit to a store, fast servicing
procedure and receiving the order
Placing an order in mobile wallet with card payment,
followed by order delivery to the address stored in the
customer’s web-passport
Ability to self-service in a store, when a customer himself
scans bar codes of the goods using his mobile phone and
pays with a bank card linked to his mobile wallet
Submitting an e-ticket at events, exhibitions, fairs, trade
shows and concerts with option to withdraw admission fee
(ticket cost) from the card connected to mobile wallet

13. mWallet Services (3/4)
13
Submitting digital loyalty card from the cell phone
screen; ability to accrue and write off bonuses or their
analogues (dedicated bonus account (bonus wallet) linked
to a customer’s mobile wallet)
Card-to-card money transfers with mobile wallet without
entering card details (using recipient’s phone number from
a contact list if linked cards are available)
Buying train tickets (with a complete choice of features)
with payment by a card linked to a mobile wallet
Paying to service providers (refilling mobile account,
utility payments, payments for TV, internet, etc.)

14. mWallet Services (4/4)
14
Applying for a loan. In case the application is approved,
the loan funds can be deposited directly on the card, which
is linked to mobile wallet.
Possibility to look up the nearest store with
geolocation service. A customer sees the distance to the
nearest store and its operation hours
Personalized communication with customers on-line in
the wallet messenger, as well as ability to send push
notifications (both servicing and promotional)
Digitization of existing loyalty cards, developing and
launching a new loyalty program

15. How mWallet works: Registration
15
A client downloads the app from Google Play or AppStore, registers
his wallet and sets the PIN-code for quick and easy login
Your
brand
Your brand
Your brand

16. How mWallet works: Main Menu
16
The main menu (looks similarly to menu of popular OS) consists of
widgets that are configured to the needs of the client by himself
Your brand Your brand

17. How mWallet works: WebPassport
17
Each wallet has a unique customer ID and contains a WEB-passport
with the required personal data

18. How mWallet works: Cards
18
The customers enters the "My Cards" section and adds his own
payment cards by entering card details

19. How mWallet works: Payments
19
A customer may make payments and repay the bills
To repay a bill of a merchant or service provider, the customer should
select the bill, select the payment tool and confirm the payment. To
make a payment within the system, a customer may enter a recipient's
mobile phone number, and then confirm the payment

20. How mWallet works: Transfers
20
P2P transfers can be done by selecting a recipient from the contact
list, or by entering the recipient's card number

21. How mWallet works: Loans
21
Directly in the wallet customer may fill the application for the loan and
receive money on the card in case of positive decision

22. How mWallet works: QR Payments
22
QR-code of a customer wallet is
unique and can be read by a QR
scanner.
The client may also read any
external QR-code to connect to
the merchant system. The
customer receives the order
information to their cell phone
screen with the amount of
purchase and confirms the
payment with a card linked to the
wallet

23. QR and NFC technologies
23
2 up-to-date technologies within one solution
QR NFC
We cover various merchant segments with our QR+NFC+merchant
solutions
Micro
business
Small
business
Medium
business
Large
business
QR scan is mWallet,
printed QR code
Integration with cash
register software
seller
QR scanner in the
seller’s mobile
business application
QR-codes on
seller’s checks
NFC in
smartphone

24. What is eWallet?
22
An Electronic Money Processing platform
giving you the opportunity to build your own
payment business
without starting from scratch.
Full-fledged payment system for all kinds of
payments and transfers.
Whether you operate financial services
company, a retail network or a telecom operator
– our E-Wallet solution will bring your business
to the next level, allowing you to harness up-to-
date tech trends.

25. eWallet Features for end-users
25
E-Wallet balance & transaction history
Refill & funds withdrawal
Mobile refill
Payments for TV/Internet
Utility payments
Online payments for goods & services
Taxi fares
Insurance payments
Other services (transportation, loans, charity etc.)
Tuition fee payments
Entertainment - tickets, games, paid content
Social media payments
Integration with prepaid cards, card payments
QR code payments
NFC payments
Instant P2P transfers (e-wallet to e-wallet, card-to-
card)
Electronic Wallets are very similar to bank
accounts, wherein customers can hold the
money in any currency, that can be used
later for various purposes, such as
payments, local or overseas money
transfers, paying utility bills, prepaid cards
and so on. Customers can easily convert
the money from one currency into another,
and vice-versa, almost immediately.
Customers can make the payments in any
currency to their intended beneficiaries,
both locally and world-wide.

26. eWallet Features for businesses
26
Full automation of
payment acceptance
Instant money transfer
to merchant’s e-wallet
Payments history
Invoicing
Generating vouchers
Fees management
SMS notifications
Managing NFC-stickers
orderings
Ordering cards
B2C payments
Holding funds
API integration

27. eWallet Services: Basics
27
eWallet
1. Buying e-
money from
issuing bank or
agent
4. E-
money
withdrawal
3. E-wallet usage
2. E-wallet cash-
in
Customer
3.1. Online, offline &
NFC payments for
goods and services
3.2. Р2Р transfers

28. eWallet Services: cash-in
28
2. Tools for adding money to eWallet
Cash Cashless
Kiosks ATMs POS-terminals
Bank’s cash units
Visa, Mastercard E-money
Bank transfers Prepaid cards

29. eWallet Services: Payments
29
3.1. Payments for goods, services, gift certificates
Utilities Retail
stores
Cinemas Fuel
stations
Mobile
operators
Online stores
TV Internet-
providers
Loans
repayment
Gifts Gift certificates

30. eWallet Services: Transfers
30
3.2. P2P Money Transfers
Customer 1 Customer 2
PAYMENT
SYSTEM
Operator
Data
exchange
Data
exchange
E-money

31. eWallet Services: Cash-Out
4. E-money withdrawal (exchange for real money)
Customer Issuer
PAYMENT
SYSTEM
Operator
Data
exchange
Data
exchange
Tools for funds withdrawal
Real money
E-money
31

32. How eWallet Works: Customer Profile
32

33. How eWallet Works: Money Transfer
33

34. What is mPOS?
mPOS is a business application for
merchant account allowing him to generate
bills, transmit them in the form of QR codes
to a customer’s mobile wallet and accept
payments made via mobile wallet.
It’s a toolset for payment acceptance and
loyalty program management
34

35. What is required for mPOS to operate?
• For a merchant – a tablet or
smartphone with mPOS
software and a printer
• For a customer – mobile wallet
A handy tool for retail chain - compact (tablet or smartphone with the app + printer), a simple and easy
to use
Supports both receiving payments and loyalty program (the transmission of information on reward for
the purchase)
Detailed check allows you to see the goods, the cost, and accrued bonuses and / or the amount saved
through discounts
35

36. How mPOS works
• A merchant selects an item for the product catalog on a tablet; the items are added to the shopping
cart; then the merchant selects a payment method "pay with QR»
• QR-code is generated on the screen in the amount covering the value of goods in shopping cart.
• A customer (mobile wallet owner) scans the QR-code, and makes payment
• In the tablet appears a message that the product is paid
• The merchants prints the receipt for the paid items from the Shopping cart
A merchant
selects an item
for the product
catalog
QR-code is
generated on the
screen
A customer scans
the QR-code with
mobile wallet
The item is
paid, bonuses
accrued
The receipt
is printed
36

37. What is QR-POS?
QR-POS is a business mobile
application for the merchant
(owner or operator of the online or
offline shop), enabling invoice
generation and payments
acceptance via QR codes
37

38. How QR-POS works: main menu
After simple registration and
subsequent signing of contracts, a
merchant can immediately accept
payments
In the main menu, the following
options are available: Invoicing,
Payments acceptance, QR codes
generation and scanning, Account
management and Settings
38

39. How QR-POS works: issuing a bill
1. A merchant selects “Create an invoice” menu option, enters customer’s phone number,
amount and note
2. The customer gets a push notification to his mobile phone screen with information about the
purchase and confirms payment with her card linked to mobile wallet. The merchant also
gets the QR code to heir screen, which can be scanned with the customer’s mobile wallet
Another option – the merchant can scan QR code from the
customer’s mobile phone, enter amount of payment
39

40. How QR-POS works: accepting
payment for goods or services
1. A merchant selects “Accept a payment” menu option, enters payment amount and note
2. QR code appears on the screen. The customer scans it with her mobile app go get information
about the purchase and to confirm the payment with a card linked to mobile wallet
40

41. How QR-POS works: QR code
generation, account management
• To generate a QR code, the
merchant selects “My QR”
menu option, and gets a QR
code to be scanned with the
customer’s mobile wallet for
payment.
• All created and paid
invoices are stored under
the “Invoices” menu section
with various grouping and
filtering options
41

42. Underlying
Magic

43. Architechture
43

44. Security
At the heart of the security strategy
we use the international standard
ISO 27000, defining the
requirements for information
security management and risk
management
All our partners are PSI DSS
certified service providers
To provide fault tolerance and load
balancing system, we are guided by
global standards, High Availability
(HA) and Load Balancing (LB)
Wallet Factory is fully integrated
with international payment
systems
44

45. Open API
45
Open API
multiplies choices,
opens more
opportunities for
the creative talent
from any field of
business and
enables quick and
flexible integration
Server #5
Data center #2
PHP Application server #2
MySQL server #3
PHP Application server #1
Nginx (Web server 1)
site.com
IP 002 (Reserve)
User (Web,
Mobile )
CRM APP
CRM
PARTNER
SITE
Percona (Master)
IP 005
eWallet e-money server
User (Partners
API) eWallet,
mWallet
Backup Server
IP 007
WAF
api.site.com IP
001 (Active)
Partners
API
Nginx (Web server 2)
site.com
IP 004 (Active)
CRM
PARTNER
SITE
api.site.ua IP
003 (Reserve)
Partners
API
Partner API
requests
MySQL server #4
Percona (Slave)
IP 006
DB Connection
DB Connection
DB Saving
User requests
Processing
API
Partners API
reserve
flow
Processing API
Info exchange streams
Secondary
(backup)
Primary
User reserve
flow
GIT
Reserve DB Connections
Data center #1
User resources
sync
Replication
Web APP Saving
Web APP Saving

46. White Labeled solutions
46
With Wallet Factory, you can get a
customized turnkey solution under your
own brand. Our White-Labeled solutions
don’t need development from scratch and
guarantee your products minimum time-to-
market – 2-3 months

47. Our Team
47
• 15 years of successful experience in the fields of
finance, banking and payment technologies
• Strong management team including professionals
from Finance and Payments, Marketing, IT
domains
• 25 employees in 3 offices in Poland, Ukraine and
China

48. Thank you
for attention!
Wallet Factory
Mikhail Miroshnichenko, CEO
Email: hello@walletfactory.pro
Addresses:
- Office 27, 2A Rydygiera St., Wroclaw, Poland,
- 4 Andrey Sheptytsky St, 10th floor, Kyiv, Ukraine,
- Office 11, 43 Bedford street, London, England, WC2E
9HA, United Kingdom,
- Wuxing Road, No. 277, Suite 1513, Shanghai 200030,
China
Phones:
PL +48-73500-7500
UA +38-067-621-57-13
UK +44-2081-444-801
US +1-415-830-3669
CN +86-183-2120-3019