September 2017
WHO IS WB21
The only Bank offering real time online account opening to Private & Business customers in 180 countries
Fully licensed and regulated Financial Institution
Cross Border Payments in 28 currencies
More than 2 million Customers
$2B+ monthly cross border payment volume
PAIN POINTS IN BANKING
TRADITIONAL BANKSAccount Opening
• Requires physical meetings and extensive documentation
• Is difficult for people and businesses from other countries
• Is difficult for people living in underbanked countries
• Costs time and money with no success guaranteed
TRADITIONAL BANKSCross Border Payments
• Takes days before funds are received• Are difficult for customers to trace between
debit and credit• Are expensive due to high currency exchange
and wire transfer fees
“EXPERIENCING THE PAIN POINTS IN BANKING, WE DECIDED THE WORLD NEEDS A BETTER SOLUTION”
SOLUTION
BANKING PLATFORM Private and Business Clients
Payments
• Real time tracking• Instant settlements• 1/10 of banking fees• 10x faster than Banks• MasterCard Debit Cards
Account opening
• Real time set up• Online / smart phone app• Accounts in 28 currencies• Clients from 180 countries
PRODUCT
CHECKING ACCOUNTS FAST INTER. PAYMENTS
DEBIT CARDSCURRENCY EXCHANGE
COMPETITIVE ADVANTAGES
We developed the proprietary payment technology (IRTP©) for real time settlements worldwide.
Transaction time Cross Border
Payments
Fees Online Account opening for Clients
from other countries
Trace Cross Border Payments Real Time
2-7 days up to 9.0%
1 day 0.1 - 1.0%
Account OpeningProcess
1-7 days
8 mins
FASTER – CHEAPER - BETTER
BOARDING PROCESS
Real Time data matching
• Real Time Account Opening• KYC / AML compliant for all
Banking services• Fully automated process• Unlimited scalability• Very convenient UX
WB21 BUILT A REAL TIME, FULLY COMPLIANT ACCOUNT OPENING SYSTEM
• WB21 converts cross border payments into local ACH payments. • WB21 connects to local ACH hubs in several regions.• WB21 pays minimum fees for sending ACH payments. • Customers deposit into local Bank accounts and get paid from local
accounts in almost real time.• IRTP matches local account balances in different currencies with the
payment demands of our customers. • IRTP selects the fastest routing option for customer´s payment requests.• IRTP allows customers to pay 10x faster than doing a cross border payment.
WB21 DEVELOPED THE PROPRIETARY PAYMENT TECHNOLOGY IRTP©(International Real Time Payments)
TECHNOLOGY
National ACH
Country with an ACH Country with an ACH
RegionalACH
Region with an ACH
Bank-owned services
SWIFT Net services
National bank-to-bank exchanges
OFFICES
London
New York
Singapore
Moscow
São Paulo
Dubai
This presentation provides an overview of WB21 Group Holdings S.A., (“WB21”). All information contained herein is subject torevision, structuring and completion. This presentation is confidential, proprietary and is intended solely for the information ofthe person to whom it has been delivered by WB21. It is not to be reproduced or transmitted, in whole or in part, to thirdparties without the prior consent of WB21. This presentation is not intended to constitute legal, tax or accounting advice or aninvestment recommendation.