VISION & MARKET OPPORTUNITY

Untapped Remittance Markets

East & West Africa (28+ countries), Latin America, and the Caribbean remain underserved despite $600B+ in annual cross-border flows

The Problem

High fees: Traditional providers charge 6-15%
Slow settlements: 3-5 days for delivery
Fragmented infrastructure: Limited rural access

SoonPay Solution

Next-generation remittance network combining:

Stablecoins (cryptocurrencies pegged to USD for price stability) for instant, low-cost transfers
AI-driven yield (automated earning of interest on digital assets) for stablecoin interest and yield generation
Yield-driven infrastructure that is secure for additional revenue
50,000+ agents for cash-out locations

28+

Countries (East & West Africa)

$600B+

Total Addressable Market

50,000+

Agent Network

2-6%

Our Fees (vs 6-15%)

BUSINESS MODEL & MONETIZATION

Revenue Streams

Exchange-Rate Spread

Buy wholesale, sell retail • 3-5% spread • AI-optimized hedging

Core Revenue

Transaction & Cash-Out Fees

Cash payout locations • 2-6% fees • Revenue share with agents

35%

Stablecoin Yield

Customer float optimization • Agentic Yield Generation / Liquid Lending (AI-powered lending) • 4-8% annual yield

20%

AI-Driven Crypto Services

Lending, swaps, routing • Premium APIs • Smart contract automation

10%

Validator Program

Secure yield-generating blockchain infrastructure (running network nodes) • Network rewards • Lower operational costs

5%

Unit Economics

Average transaction: $200
Net revenue per transaction: $6-12
Customer acquisition cost: $5-10
12-month customer value: $120-240

KEY PROGRAMS & INFRASTRUCTURE

Our Key Programs

✓ NSSF Program - Uganda pension system integration (1M+ users)
✓ Pre-Remittance (Pre-dendura) Program - Pre-funded family wallets
✓ Prudential Health Insurance Integration - Micro-contributions for health coverage
✓ Blockchain Land Registry & Micro-Finance - Transaction history for credit scoring
✓ Validator System Program - Institutional node operation (40-100% APR)
✓ AI Automation Engine - Real-time flow monitoring and optimization

NSSF Program - Uganda Pilot

Partnership with National Social Security Fund • Direct payroll → stablecoin integration • 1M+ potential users Year 1 • Replicable across African pension systems

Pre-Remittance Program

Pegasus open credit line $20M+ daily • Pre-funded family wallets • 30% projected adoption • Creates sticky customer relationships

Prudential Health Insurance

Partnership with Prudential • Automatic micro-contributions • Builds health fund over time • "Saving with a Purpose"

Blockchain Land Registry

All transactions on blockchain (immutable ledger) • Credit scoring history • Enables micro-loans • Responsible financial ecosystem

Validator System

Proof-of-stake nodes (blockchain validators) • 40-100% APR returns • Reduces costs by 40% • Shared ownership model

AI Automation

Real-time monitoring • Automated hedging & lending • 60% cost reduction • 99.9% uptime

FINANCIAL PLAN & USE OF PROCEEDS

Prefund Account

Pegasus Partnership

Infrastructure

Build-Out

Prefund Account

$10M funding prefund for operations outside of Pegasus network
Covers Caribbean and Latin America expansion
Instant global liquidity for all corridors
Multi-currency FX settlement rails
Supports $500M+ transaction volume from Day 1

Infrastructure Build-Out

Regional Operations ($6M): 10 offices, 200+ staff, 24/7 call centers
Technology ($2M): Scale for 10M+ users, enhanced AI/ML
Executive Operations ($2M): Strategic partnerships, government relations

Pegasus Aggregator Benefits

Open credit line eliminating working capital constraints
Reduces capital requirements by 60%
Enables rapid scaling without additional funding

ROADMAP & MEDIA

2025-2027 Execution Timeline

Q4 2025

SoonPay partner contracts signed • Pegasus agreement finalized • NSSF partnership secured • $10M funding secured • Live transmission started

Q1 2026

Launch 5 pilot countries • Process first $50M

Q2-Q3 2026

West Africa launch (17 countries) • NSSF program live • $200M/quarter volume

Q4 2026

Latin America approvals • Caribbean partnerships • $500M annual volume

2027

30+ countries operational • 100,000+ agents • $1.5B volume • Series B

2026

$500M Volume

2027

$1.5B Volume

2028

IPO Ready

2029

$10B Target

Why SoonPay Wins

✓ No competitor combines crypto rails (blockchain payment infrastructure) + cash payout at scale
✓ Largest agent network pre-launch (50,000+)
✓ 28+ countries from Day 1
✓ 70% lower cost structure than incumbents
✓ Institutional validation (NSSF, Pegasus, Prudential)

TEAM & KEY PERSONNEL

Frantz Morency

CEO & Founder

Bridging East & West Africa,
Latin America & Caribbean

About Frantz Morency - CEO of SoonPay

Frantz Morency is a serial entrepreneur and telecom infrastructure pioneer, bridging the gap between East and West Africa, Latin America, and the Caribbean. As founder and CEO of multiple successful ventures:

AFF Installations (2014) - Leading telecom infrastructure company with 13 Master Service Agreements across major US carriers including Verizon, T-Mobile, and American Tower
Jump Wireless - Launched wireless internet network in Turks and Caicos (March 2020), expanding to US Virgin Islands
Close working relationship with Verizon since AFF's founding
Pioneer in 4G/5G technology deployment with major telecom companies

Strategic Partners & Advisors

Pegasus
Licensed Aggregator & Liquidity Partner

NSSF Uganda
National Social Security Fund Partner

Prudential Insurance
Health Insurance Integration Partner