Currenc Group Inc. · NASDAQ:CURR

Currenc — Investor Presentation (November 2025)

54 slides from Currenc's investor presentation, November 2025

Slide 2: Disclaimer
Disclaimer This communication contains information from CURRENC Group Inc. and/or its related entities ("CURRENC") that may be strictly confidential and/or privileged. This communication is solely for the use of the intended recipient(s). Whether or not received in error, the information herein may
Slide 3: Contents
Contents ● Company Overview ● Our Business ● Global Remittance Industry ● Growth Strategies ● Our Financials © 2025 CURRENC Group Inc.
Slide 5: Who We Are
Who We Are Driving AI and Fintech Innovation in Southeast Asia and Internationally Our Mission Our Vision Become the World’s Foremost AI-assisted Transform Financial Access Remittance Hub for Migrant Workers ● Revolutionize cross-border digital ● Enable seamless, real-time, 24/7 cross-border remitta
Slide 6: What We Do
What We Do CURREN•C empowers millions of unbanked and underbanked individuals worldwide to send and receive money via digital remittance and airtime transfer. What is Digital Remittance? What is Airtime Transfer? ● Digital remittance enables cross-border money transfers via ● Airtime transfer allows
Slide 7: Our Value Proposition
Our Value Proposition Frontrunner in Digital Remittance Exclusive Regulatory Advantages Key licenses across Singapore, Malaysia, the UK, and Shaping the future of cross-border payments across Southeast Asia and beyond, powered by AI-driven Indonesia represent a formidable competitive edge in a finte
Slide 8: Our Financial & Operational Highlights
Our Financial & Operational Highlights Remittance $ 4.5bn 28% $ FY23 Remittance TPV FY23 Remittance TPV Growth1 11mn 14mn 130K 100 150 Countries Covered Countries Covered Total Transactions Average Daily Global Cash Pick-up By Remittance By Airtime $ 5.1bn 13% Managed Globally2 Transaction Value2 Po
Slide 9: Our Management
Our Management Alex Kong Wan Lung Eng Founder and Executive Chairman Chief Financial Officer ● Tech entrepreneur in IT, e-commerce, payment ● CFO and finance executive with over 23 years’ gateways and business solutions experience in corporate finance and capital markets. ● Over 20 years’ expertise
Slide 11: Our History and Evolution
Our History and Evolution Globally lead AI-assisted financial solutions for the unbanked & underbanked Started trading on NASDAQ Completed business (Ticker: CURR) Our Future combination, Seamless rebranded as CURRENC Group Sept 3, 2024 ar ds Acquired Tranglo Aug 30, 2024 Onw 2 018 fro m Nov 2018 t h
Slide 12: Digital Remittance vs. Traditional Solutions
Digital Remittance vs. Traditional Solutions Payout in a few working days Lifting fees Lifting fees FX cost $ £ $ $ $ £ £ Traditional £ Individual User Sending bank Central Correspondent bank Receiving Central Receiving bank Individuals Sender counterparty /Liquidity provider correspondent counterpa
Slide 13: Our B2B Digital Remittance Solutions
Our B2B Digital Remittance Solutions Tranglo Connect Prefunding to Tranglo For Remittance Licensees, Beneficiary $ ₱ Tranglo Connect offers: Banks and E-Wallets ● Lower transaction costs as the Tranglo Connect Sender end-to-end process involves fewer Real-time intermediaries Send money Forex trading
Slide 14: Digital Remittance Industry Basics
Digital Remittance Industry Basics Industry Landscape Industry Drivers Upstream ● Migrant Workers: growing populations worldwide seeking low-cost, highly efficient, ● Fintech companies with central bank real-time international money transfer licenses, like CURREN•C, build money solutions transfer te
Slide 15: Our Digital Remittance Business
Our Digital Remittance Business Empowering Remittance Companies, Corporations and E-wallets with by Global Industry Leaders Technology and Compliance ● Digital remittance is a complex process requiring bank licensing as well as advanced money transfer technology to ensure regulatory compliance and a
Slide 16: Our Global Network & Compliance Advantages
Our Global Network & Compliance Advantages Well-established International Network Leading In-house Compliance Capabilities ✦ Nearly 230 employees with offices in Jakarta, Kuala Lumpur, ✦ Strong compliance culture; highly skilled, licensed Singapore and Hong Kong and a presence in London ✦ compliance
Slide 17: Our Airtime Transfer Business
Our Airtime Transfer Business Tranglo’s Global Airtime Operations: Global Airtime Business ● Strong presence in global airtime transfer: Tranglo is a platform ● Airtime remains vital in underbanked regions despite the provider and reseller. rise of e-Wallets ● Pin and pinless airtime: Our technology
Slide 19: The Global Remittance Market
The Global Remittance Market Key Stats Total Market Size Global Cross Border Market Size1 ● The overall cross-border payments market in 2023 is valued at $190.1 trillion ● This market is anticipated to grow 53% by 2030, reaching a total of $290.2 trillion Key Segments within Cross-Border Payments B2
Slide 20: Competitive Landscape
Competitive Landscape Industry Position Upstream Upstream Upstream and downstream Upstream and downstream Upstream and downstream Money transfer for Connecting merchants to App for individuals and Serves consumers through Digital remittance services remittance companies, emerging markets. small busi
Slide 21: Our Dual-Engine Growth Strategy
Our Dual-Engine Growth Strategy TPV Growth (Actual & Projected) 2 Enter Downstream Leverage existing infrastructure, know-how, market 1 experience and intelligence to expand downstream; build a customer-facing business and retail brand to Enter New Markets offer services to end users directly. Lever
Slide 24: Seamless AI
SEAMLESS AI AI Call Center AI Fund AI Data Center (AIDC) Automate inbound and ● USD 100M Fund Size Roadmap outbound calls for common ● Co-GP with ARC Group inquiries and personalized ● Invest in 2025-2026 Phase 1 (100MW) - Malaysia interactions. ○ AIDC AI Data Center Launch 2028-2029 Scaling AI Data
Slide 25: Seamless AI
SEAMLESS AI AI Call Center Digital Banking Solution for both Fiat and Cryptocurrency ● Text GPT ● Voice GPT • Customisable Digital Wallet Solutions (Over 15 ● Avatar GPT fiat and most common cryptocurrencies) • Crypto Exchange (Over 150+ cryptocurrency pairs with All-in-One Order Book) AI Staff for
Slide 26: The Fund's general partner is CURR-ARC GP Limited
80% 20% The Fund’s general partner is CURR-ARC GP Limited, a joint venture company owned 80% by CURRENC and 20% by ARC Group. The investment focus of the Fund will be as follows: 1. Approximately 80% of the Fund will be dedicated to global investments in AI computing power and green energy infrastru
Slide 27: AI Data Center Roadmap
2025-2026 1 Phase 1 (100MW) AI Data Center Launch 2 2028-2029 Scaling AI Data Center Capacity to 500MW 2029-2030 3 Regional Expansion & Sustainability Milestone Expected Return in 3+ years Malaysia offers a high-growth, compelling 100% Renewable Energy Roadmap opportunity in the data centre sector.
Slide 29: Seamless AI Lab
SEAMLESS AI Lab Offers a whole set of fully customizable complete AI Solutions for financial institutions Advanced AI-Powered Trading Platform - Comprehensive spot and futures trading platform, providing traders with a wide range of options; - develop platforms that support multi-asset collateral an
Slide 30: Global AI-Driven Payment Solutions
SEAMLESS AI Lab - AI Complete Solution for Financial Institutions Global AI-Driven Payment Solutions - Provide payment solutions which enable transactions at 53 million merchant locations across 130 countries through the VISA and Mastercard networks, - empower merchants to accept crypto payments and
Slide 31: High-Volume AI Trading with Price Stability
SEAMLESS AI Lab - AI Complete Solution for Financial Institutions High-Volume AI Trading with Price Stability - Offer large-volume trading with locked-in rates, ensuring price stability and eliminating slippage for optimal trading conditions, - supports 15+ fiat currencies and 150+ cryptocurrencies,
Slide 32: AI-Enhanced Call Center Solutions
SEAMLESS AI Lab - AI Complete Solution for Financial Institutions AI-Enhanced Call Center Solutions - Seamless AI Call Centre Solutions to handle a wide range of customer interactions, from answering frequently asked questions to resolving complex issues, - capable of understanding and responding to
Slide 33: Seamless AI Lab - AI Call Center & AI Staff-for-Hire
SEAMLESS AI Lab - AI Call Center & AI Staff-for-Hire © 2025 CURRENC Group Inc.
Slide 34: The Future of Work: AI Agents & Digital Clones
The Future of Work: AI Agents & Digital Clones AI Workforce Adoption is Accelerating ● Businesses are rapidly integrating AI agents to automate workflows and reduce operational costs. ● AI-driven staff are replacing traditional outsourcing, handling KYC, compliance, and customer service more efficie
Slide 35: AI Agents Will Transform the Global Workforce
AI Agents Will Transform the Global Workforce AI Staff Will Take Over 70% of White-Collar Tasks by 2030 ● AI-powered agents are expected to handle the majority of administrative, customer service, and financial analysis tasks. ● Businesses investing in AI workforce solutions today will be market lea
Slide 36: What is AI Staff for Hire?
What is AI Staff for Hire? Modular AI Workforce: Choose from a range of pre-built AI modules, each tailored for specific business needs. Debt Collector HR Manager KYC Assistant Creative Director Customer Support Video Creator Travel Agent PPT Designer Legal Advisor Music Composer Receptionist Progra
Slide 38: CURR-ARC AI Fund
CURR-ARC AI Fund 1 - A premier AI-focused investment fund driving innovation in AI data centers, fintech, and sustainable technology. - Strategic backing from ARC Group, - Invest in high-growth AI infrastructure and green energy projects, positioning ourselves at the forefront of the digital transfo
Slide 39: How We Invest Our Current Investments
How We Invest Our Current Investments AI-driven fintech & cloud computing startups ● Focuses on AI infrastructure, CURR-ARC AI fintech, and sustainability. Fund 1 – $100M ● Co-managed by CURRENC 20% Investment Group & ARC Group. 80% ● One of Southeast Asia’s largest 500MW AI Data AI-driven data cent
Slide 40: Why Invest with CurrenC
Why Invest with CurrenC Industry Sustainability AI-Driven Investment Strategy Focused Expertise Led by fintech and Data-backed decisions for Investing in green AI pioneers. high-yield investments. technology for AI infrastructure. Feature CURRENC Capital Fund Traditional AI Funds Focus Area AI Data
Slide 41: Strategic Partnership
Strategic Partnership ● Digital Remittance & ● Global Investment Bank with ARC Group Airtime Transfer ● Company of the Year Award ● $5B+ TPV by Frost & Sullivan in 2024 ● M&A Expertise – Over $1 billion in transaction volume ● 150 Countries ● Deal of the Year Award by in the past three years, positi
Slide 42: What's Next
What’s Next Expand AI investment fund to $500M 2025-2026 2026-2027 2027-2030 Launch 100MW AI Scale AI & fintech Data Center in investments to build Malaysia global AI-powered financial ecosystem © 2025 CURRENC Group Inc. 41
Slide 44: Leading the Future of AI-Capable Infrastructure
Leading the Future of AI-Capable Infrastructure CURRENC POWER CORP develops and operates high-performance AI Data Centers (AIDC). Providing energy-efficient, scalable, and AI-optimized infrastructure. Strategically located in Malaysia, a growing hub for hyperscale AI data centers. Malaysia is emergi
Slide 45: Market Opportunity
Market Opportunity Global AI Data Center Expansion ● AI computing demand to grow by 160% by 2030. ● AI Data Centers will require 122GW of power by 2030. Malaysia’s Competitive Advantage ● Johor is the fastest-growing data center hub in Asia-Pacific. ● 2.7GW in development with $23.3 billion in inves
Slide 46: Exponential Growth
Exponential Growth Data centre supply surged from 100MW (2020) to 350MW (2023). 2.7GW in development, expected to be quickly absorbed. Johor: 80% capacity growth in H1 2024 – fastest-growing market in APAC © 2025 CURRENC Group Inc. 45
Slide 47: Strategic Advantages
Strategic Advantages Spillover Demand from Singapore Rising costs in Singapore drive demand in Malaysia. Powered Land Availability Abundant in Kuala Lumpur, Cyberjaya, and Johor. Reliable Power Infrastructure 2.3GW supplied by Tenaga Nasional Berhad (TNB) as of FY24. Plans to support 5.0GW by 2035.
Slide 48: Emerging Hubs
Emerging Hubs Johor: IT capacity exceeds 1,600MW (Feb 2024). Key locations: Sedenak Tech Park, Nusajaya Tech Park, YTL Green Data Centre Park. Cyberjaya: Affordable land and reliable power make it a key hub in Greater Kuala Lumpur. © 2025 CURRENC Group Inc. 47
Slide 49: Revenue Projections AI-Driven Demand
Revenue Projections AI-Driven Demand Global Market Growth: 15% CAGR through 2027, with 20% upside potential. Capacity to reach 60.6 GW by 2027 APAC 3.8GW (15.9% CAGR). 15GW (2023) → Power 122GW Demand to grow 2.5x 122 GW expected by 2030, but Deficit (2030) by 2028, with a USD11 demand could reach 1
Slide 50: Scaling AI Infrastructure for the Next Decade
Scaling AI Infrastructure for the Next Decade 2025-2026 1 Phase 1 (100MW) AI Data 2025-2027 Center Launch 2 Expansion of AI & Fintech 2026-2028 Investments 3 AI-Optimized Green Energy 2026-2029 Integration 4 Scaling AI Data Center 2026-2030 Capacity to 500MW 5 Regional Expansion & Sustainability Mil
Slide 52: Positive EBITDA for operating units
Positive EBITDA for operating units EBITDA YTD Q3 2025 FY24 FY23 TNG HQ & HQ & (US$ in ‘000s) Tranglo WalletKu Asia HQ & adjustments Group Total Tranglo WalletKu TNG Asia adjustments Group Total Tranglo WalletKu TNG Asia adjustments Group Total & GEA & GEA & GEA Net Income (Loss) 2,562 (337) (8,537)
Slide 53: Remittance Analysis
Remittance Analysis Processing Volume, Revenue Take Rates & Direct Cost¹ YTD Q3 2025 2024 2023 Total Processing Value (TPV) US$4.17 billion US$5.14 billion US$4.54 billion - Fiat Flows (%) 98% 96% 90% - ODL Flows (%) 2% 4% 10% Numbers of Transactions Processed 8.8 11.4 11.0 - Fiat Flows (%) 98% 97%
Slide 54: Contact us
Nasdaq: CURR Contact us: investors@currencgroup.com www.currencgroup.com +852 9023 3334 (Dr. Ronnie Hui) Follow us: CURRENC Group Inc. (Nasdaq: CURR) CURRENC Group

CURRENC Group — Investor Presentation (November 2025) on 6ix

Currenc — Investor Presentation (November 2025)

Slide 1: Corporate Presentation

Slide 2: Disclaimer

Slide 3: Contents

Slide 4: Company Overview

Slide 5: Who We Are

Slide 6: What We Do

Slide 7: Our Value Proposition

Slide 8: Our Financial & Operational Highlights

Slide 9: Our Management

Slide 10: Our Business - Instant Global Remittance

Slide 11: Our History and Evolution

Slide 12: Digital Remittance vs. Traditional Solutions

Slide 13: Our B2B Digital Remittance Solutions

Slide 14: Digital Remittance Industry Basics

Slide 15: Our Digital Remittance Business

Slide 16: Our Global Network & Compliance Advantages

Slide 17: Our Airtime Transfer Business

Slide 18: Global Remittance Industry

Slide 19: The Global Remittance Market

Slide 20: Competitive Landscape

Slide 21: Our Dual-Engine Growth Strategy

Slide 22: New Line of Business

Slide 23: Seamless AI

Slide 24: Seamless AI

Slide 25: Seamless AI

Slide 26: The Fund's general partner is CURR-ARC GP Limited

Slide 27: AI Data Center Roadmap

Slide 28: AI Developments - Seamless AI Lab

Slide 29: Seamless AI Lab

Slide 30: Global AI-Driven Payment Solutions

Slide 31: High-Volume AI Trading with Price Stability

Slide 32: AI-Enhanced Call Center Solutions

Slide 33: Seamless AI Lab - AI Call Center & AI Staff-for-Hire

Slide 34: The Future of Work: AI Agents & Digital Clones

Slide 35: AI Agents Will Transform the Global Workforce

Slide 36: What is AI Staff for Hire?

Slide 37: CURR-ARC AI Investment Fund

Slide 38: CURR-ARC AI Fund

Slide 39: How We Invest Our Current Investments

Slide 40: Why Invest with CurrenC

Slide 41: Strategic Partnership

Slide 42: What's Next

Slide 43: Hyperscale AI Data Center

Slide 44: Leading the Future of AI-Capable Infrastructure

Slide 45: Market Opportunity

Slide 46: Exponential Growth

Slide 47: Strategic Advantages

Slide 48: Emerging Hubs

Slide 49: Revenue Projections AI-Driven Demand

Slide 50: Scaling AI Infrastructure for the Next Decade

Slide 51: Our Financials

Slide 52: Positive EBITDA for operating units

Slide 53: Remittance Analysis

Slide 54: Contact us