Digitalx Limited · ASX:DCC
Digitalx — Digital CC Limited (digitalBTC) — Investor Presentation (July 2015)
32 slides from Digitalx's investor presentation, Jul 20, 2015
Slide 1: AirPocket Product Presentation
ASX ANNOUNCEMENT 20 July 2015 For personal use only AirPocket Product Presentation Digital payments company Digital CC Limited (ASX:DCC) (trading as digitalBTC and “the Company”) is pleased to provide the accompanying presentation, providing a comprehensive explanation and details of its disruptive
Slide 2: For personal use only
For personal use only © Copyright 2015 digitalBTC. All Rights Reserved. May Not Be Used Or Disclosed Outside digitalBTC Without Permission
Slide 3: Vision
Vision For personal use only • Expand money services to the unbanked • Expand geographic reach of money remittance services to rural areas • Allow an institution’s agent to process remittances through the use of a smart phone regardless of location • Lower remittance infrastructure costs for institu
Slide 4: Benefits to Institutions
Benefits to Institutions For personal use only • Expand deposit base to financial institutions by bringing remittance flows into mobile accounts • Create a new market for the previously unbanked • Enable automated credit monitoring • Reduce compliance and processing costs of remittances • Decrease d
Slide 5: Benefits to Consumers and Communities
Benefits to Consumers and Communities For personal use only • Quicker and cheaper than existing options • Mobile-message-based payments and banking • Users can store their cash value in SMS-based wallets • Use SMS and other mobile messaging platforms to make payments, buy goods and share value with
Slide 6: AirAgents
AirAgents For personal use only • Act as remittance brokers • Need only a smart phone and a small cash float • Earn commissions for processing transactions • Are vetted for KYC and AML compliance • Act as distribution hub for rural communities © Copyright 2015 digitalBTC. All Rights Reserved. May No
Slide 7: AirCodes: A Secure, Tokenized Transaction System
AirCodes: A Secure, Tokenized Transaction System For personal use only • 6-digit alphanumeric codes sent by SMS or other mobile platform • Store monetary value and can be used as a form of payment • Are hidden from the AirAgents who create and redeem them • Can only be used once © Copyright 2015 dig
Slide 8: Compliance
Compliance For personal use only • Complies with Know Your Customer regulation • Complies with Anti-Money Laundering regulation • Registered with Financial Crimes Enforcement Network • Proactive compliance with transaction monitoring best practices through in-app filters © Copyright 2015 digitalBTC.
Slide 9: User Experience: Using an AirAgent
For personal use only User Experience: Using an AirAgent © Copyright 2015 digitalBTC. All Rights Reserved. May Not Be Used Or Disclosed Outside digitalBTC Without Permission
Slide 10: User Experience: Using an AirAgent
User Experience: Using an AirAgent For personal use only Requirement Step 1 AirAgent deposits USD in his The sender locates the AirAgent account via ACH, credit or debit and asks him to send $100 to a card, or through a retail location in certain country. AirPocket creates order to process AirPocket
Slide 11: User Experience: Using an AirAgent
User Experience: Using an AirAgent For personal use only Step 2 Step 3 The AirCode is sent to the sender The sender calls the receiver in by text message. her country and gives her the AirCode, or AirPocket sends the The AirAgent receives a receiver the AirCode by text commission. message if she has
Slide 12: User Experience: Using an AirAgent
User Experience: Using an AirAgent For personal use only Step 4 Step 5 The receiver locates an AirAgent The sender receives a to exchange her AirCode for cash. confirmation text message that the AirCode has been redeemed. The AirAgent receives commission out of the redeemed balance. © Copyright 2015
Slide 13: Other Uses for AirCodes: Purchases
Other Uses for AirCodes: Purchases For personal use only Use an AirCode to make a purchase. Maria has an AirCode with some value. She does not need to have an AirPocket account for this use. Step 1 Step 2 Maria is at a store that uses the Maria receives her change through AirPocket app. By text mess
Slide 14: Transferring Value
Transferring Value For personal use only Maria has 1403 pesos and wants to send 354 pesos to Julia. Julia can access her funds by redeeming for cash at an AirAgent, or depositing into her AirPocket account via a text command. © Copyright 2015 digitalBTC. All Rights Reserved. May Not Be Used Or Discl
Slide 15: The AirAgent Application
For personal use only The AirAgent Application © Copyright 2015 digitalBTC. All Rights Reserved. May Not Be Used Or Disclosed Outside digitalBTC Without Permission
Slide 16: AirAgent: Send Money
AirAgent: Send Money For personal use only To send money for a consumer, the AirAgent clicks the blue “Send AirCode” button on the homescreen. © Copyright 2015 digitalBTC. All Rights Reserved. May Not Be Used Or Disclosed Outside digitalBTC Without Permission
Slide 17: AirAgent: Send Money
AirAgent: Send Money For personal use only The AirAgent selects the country in which the consumer is sending money and continues to fill out the Send Form. The AirAgent clicks “Create AirCode”. © Copyright 2015 digitalBTC. All Rights Reserved. May Not Be Used Or Disclosed Outside digitalBTC Without
Slide 18: AirAgent: Send Money
AirAgent: Send Money For personal use only The consumer confirms the details are correct and creates the AirCode. A release token is sent to the consumer’s mobile device. © Copyright 2015 digitalBTC. All Rights Reserved. May Not Be Used Or Disclosed Outside digitalBTC Without Permission
Slide 19: AirAgent: Send Money
AirAgent: Send Money For personal use only The consumer’s release token is then entered into the application by the AirAgent to verify the transaction. © Copyright 2015 digitalBTC. All Rights Reserved. May Not Be Used Or Disclosed Outside digitalBTC Without Permission
Slide 20: AirAgent: Send Money
AirAgent: Send Money For personal use only The AirCode is created and sent to both the sender and the receiver. The money has been sent. © Copyright 2015 digitalBTC. All Rights Reserved. May Not Be Used Or Disclosed Outside digitalBTC Without Permission
Slide 21: AirAgent: Redeem AirCode
AirAgent: Redeem AirCode For personal use only To redeem an AirCode for a consumer, the AirAgent clicks the blue “Redeem AirCode” button. © Copyright 2015 digitalBTC. All Rights Reserved. May Not Be Used Or Disclosed Outside digitalBTC Without Permission
Slide 22: AirAgent: Redeem AirCode
AirAgent: Redeem AirCode For personal use only The AirAgent then enters the consumer’s AirCode. © Copyright 2015 digitalBTC. All Rights Reserved. May Not Be Used Or Disclosed Outside digitalBTC Without Permission
Slide 23: AirAgent: Redeem AirCode
AirAgent: Redeem AirCode For personal use only The AirAgent confirms the details are correct and pays the consumer. The AirCode has been redeemed. The AirAgent’s app is locked on this screen until they either confirm or refund, e.g. if they do not have sufficient funds. Refunds are sent back to the
Slide 24: AirPocket Interface: Finding an AirAgent
For personal use only AirPocket Interface: Finding an AirAgent © Copyright 2015 digitalBTC. All Rights Reserved. May Not Be Used Or Disclosed Outside digitalBTC Without Permission
Slide 25: Find an AirAgent
Find an AirAgent For personal use only Both Users and AirAgents can locate other AirAgents by clicking the “AirAgent Finder” button on the home screen. © Copyright 2015 digitalBTC. All Rights Reserved. May Not Be Used Or Disclosed Outside digitalBTC Without Permission
Slide 26: Find an AirAgent
Find an AirAgent For personal use only AirAgents and Users can click on any AirAgent pindrop to view the specific location and contact information of the AirAgent. © Copyright 2015 digitalBTC. All Rights Reserved. May Not Be Used Or Disclosed Outside digitalBTC Without Permission
Slide 27: Find an AirAgent
Find an AirAgent For personal use only AirAgents and Users can view all AirAgents and their corresponding details in list form. © Copyright 2015 digitalBTC. All Rights Reserved. May Not Be Used Or Disclosed Outside digitalBTC Without Permission
Slide 28: Competitive Advantages and the Market
For personal use only Competitive Advantages and the Market © Copyright 2015 digitalBTC. All Rights Reserved. May Not Be Used Or Disclosed Outside digitalBTC Without Permission
Slide 29: Traditional Remittance Costs
Traditional Remittance Costs On average, AirPocket fees are less than half of that of the incumbents For personal use only Fee Exchange Rate Margin Total Cost Total Fees Firm Service (USD) (%) (%) (USD) Instantaneous, cash-‐to-‐ Western Union $8.00 2.79% 18.79% $9.40 cash Ria Instantaneous, cash-
Slide 30: Competitive Advantage
Competitive Advantage For personal use only • Sharing economy model (i.e. Uber and Airbnb) • Easy to use • Low transaction fees • Transactions can be executed at any time • Low infrastructure cost • Instant micropayments 24 hours a day © Copyright 2015 digitalBTC. All Rights Reserved. May Not Be Use
Slide 31: The Market
The Market For personal use only The current market for cash-to-cash remittances remains dominated by fairly high- cost entities offering storefront locations and mobile apps. Service costs can vary dramatically between vendors. For example in Mexico, costs can vary up to 130 pesos between the vario
Slide 32: The Opportunity
For personal use only The Opportunity Remittance volume to Latin America is growing rapidly, presenting a large opportunity to compete with existing over- priced vendors in the cash-to- cash transfer space. AirPocket's low infrastructure costs allow for significant profit opportunities, even at low
Digital CC Limited (digitalBTC) — Investor Presentation (July 2015) on 6ix