Inverite Insights Inc · CSE:INVR
Inverite Insights — Investor Presentation (August 2025)
24 slides from Inverite Insights's investor presentation, Aug 21, 2025
Slide 1: The Next Generation Credit Assessment Platform Built for Today's Growing Credit Economy
JULY 2025 The Next Generation Credit Assessment Platform Built for Today’s Growing Credit Economy Q3 2025 CSE: INVR | OTC: INVRD | FSE: 2V0
Slide 2: Disclaimer and Cautionary Statements
Disclaimer and Cautionary Statements This presentation (“Presentation”) provides an overview of Inverite Insights Inc. (the “Company” or “Inverite”), its subsidiaries and the industry in which it operates. It is for informational purposes only. This Presentation and any related oral presentation do
Slide 3: About Inverite Insights
About Inverite Insights Track Record: A leader in AI-driven software specializing in real-time 30% 400+ YoY Revenue Growth Active Merchants financial data for the alternative credit economy. & Partners verification income, nine months ending Inverite is positioned at the convergence of open banking,
Slide 4: The Problem
The Problem Stale Data Incomplete View Underserved Bureau reports lag Consumer cash-flow 78 M+ of non-prime 30-60 days is unseen consumers 90% 40% ↑ 80% lending decisions rely on increase in consumer demand for financial institutions say TransUnion, Equifax, or Experian alternative lending products²
Slide 5: Market Size & Trends
Market Size & Trends 22.9% ² $275B TAM Total Addressable Market¹ CAGR Market growth rate to alternative lending $42B SAM Serviceable Addressable Market¹ $420M SOM Serviceable Obtainable Market 3 Sources: 1 "Global Fintech As Service Market 2023-2033”, A&N Market Insights www.inveriteinsights.com 2 h
Slide 6: Market Strategy
Market Strategy Inverite Potential Active Future High CORE TARGETS VOLUME PLAYS Schedule Alternative A Banks Loan Fintech Lending Origination Auto Systems Mortgage Retail Vertical Potential Lenders Finance Vertical Potential Loan / BNPL Management Systems Low High Business Insurance Commercial Credi
Slide 7: Current Strategic Mix
Current Strategic Mix Industry & Revenue Contribution Active Verticals: • Alternative Lending (Payday Lending, Unsecured Consumer Loans • Auto Finance (Non-prime Auto Lenders) • Financial Software Provider (Loan Origination Systems & Loan Management Systems) • Financial Institutions (Credit Unions)
Slide 8: Why This Opportunity?
Why This Opportunity? MACRO DRIVERS: MICRO DRIVERS: Record delinquencies – Gig-worker boom – non-mortgage defaults highest income verification broken since 2009¹ 30 % credit-invisible – New-to-country segment – 7+ M Canadians outside bureau files² no legacy scores $2.6 T consumer debt – Alt-data tip
Slide 9: Our Solution
Our Solution Complete Risk Intelligence Platform: VERIFY RISK INTELLIGENCE MANAGE REAL-TIME IDENTITY, INCOME AND BANKING LENDING DECISIONS WITH AI-POWERED OPTIMIZE LENDING PORTFOLIO TO DATA TO STREAMLINE CUSTOMER ONBOARDING RISK SCORING AND REAL-TIME FRAUD INCREASE ORIGINATIONS AND MITIGATE & APPLIC
Slide 10: How We Differ
How We Differ Key Value Propositions: Unique Differentiators: Risk Model as a Service (RMaaS) Complete risk intelligence platform custom loan models only Canadian provider offering all-in- one platform Canadian Market Dominance Market-Leading Coverage exclusive coverage 99% Canadian consumer coverag
Slide 11: Competitive Landscape/Positioning
Competitive Landscape/Positioning Coverage in Canada Pricing $ $$ $$$ $$$ $$ $$ Risk Model as a Service YES NO NO NO NO NO YES – credit YES – credit Risk Score AI Adjudication YES YES NO YES – US only data only data only Customized Risk Score YES NO NO - YES - $$$ YES - $$$ Support for Neo Banks YES
Slide 12: Revenue Generation
Revenue Generation GROWTH LEVERS: Stickiness → Land & expand Verification Revenue SaaS Subscription Pay-per-verify Platform licence Usage Expansion → Volume growth Service Layer Addition → New APIs Monetising the Data → Data resale High-margin RMaSS → > 80 % gross margin Data & AI Engine VALUE DRIVE
Slide 13: Strategic Evolution & Milestones
Strategic Evolution & Milestones Changed All-time All-time business Record Record New IPO on structure from Revenue & Revenue & Leadership CSE B2C (MRBL) to Transaction Transaction B2B (INVR) Volume Volume 2015 2019 2021 2023 2024 2025 Expanded Microcheck Strategic fraud decoupling Founded Acquisiti
Slide 14: Team
Team Karim Nanji Estelle L’Heureux, CFA CEO, Director CFO Mr. Nanji is a seasoned growth and tech leader, with over 25 Ms. L’Heureux specialized in the financial technology and alternative lending years of experience in building and commercializing fintech space for nearly 15 years, with diverse bac
Slide 15: Current Capital Structure
Current Capital Structure August 06, 2025 CURRENT SHARES 41,528,726 OUTSTANDING CSE: INVR WARRANTS OUTSTANDING @ $0.66 Expiry Q2-Q3 2025 332,333 @ $0.60 Expiry OTC:INVRD Q2-Q3 2025 458,333 2026 4,262,767 2027 5,242,828 FSE: 2V00 STOCK OPTIONS and RSU’s 2,901,666 INSIDERS SHARE OWNERSHIP 52% INSIDERS
Slide 16: Thank you
Thank you Karim Nanji CEO karim.nanji@inverite.com Mike Marrandino Executive Chairman mike.marrandino@inverite.com www.inveriteinsights.com
Slide 17: Appendix
Appendix 1. Directors and Advisors 2. Our Products 3. KYC Age & ID Verification 4. Instant Bank Verification 5. Risk Score 6. Data Enrichment 7. Micro Check www.inveriteinsights.com
Slide 18: Directors & Advisors
Directors & Advisors Farhan Abbas Jason Wang, CFA Independent Director; Audit Committee Chair Advisor Mr. Abbas has significant entrepreneurial and financial services experience. Mr. Wang boasts extensive experience in senior risk, analytics, and compliance His early career included roles at RBC Cap
Slide 19: Our Products
Our Products Financial Inclusion. Real-Time Data. Unparalleled Data Science Models. Instant Bank Verification Micro Check Confirms the customer's banking credentials in real- Allows all alternative loan requests and outcomes time, ensuring that bank account details are accurate from individuals to b
Slide 20: KYC Age & ID Verification
KYC Age & ID Verification Reduce Fraud, Increase Sales • Fast ID & KYC Verification: Support for driver’s licenses, provincial IDs, and medical services cards. • Data Extraction: Quickly extracts essential customer data for efficient management and processing. • E-commerce Integration: Easily integr
Slide 21: Instant Bank Verification
Instant Bank Verification Connecting Apps, People, and Banks • Full Details: Obtain full account, transit, and institution numbers from 280+ Canadian financial institutions. • Transaction History: Retrieve data from 280+ financial institutions. • Custom Reports: Flexible reporting options up to 365
Slide 22: Risk Score
Risk Score Enhanced Algorithms for Risk Analysis 17 Data-Driven Decisions: Takes data from millions of banking reports for Get Data Driven Insights into: precise, tailored business decisions. • Income Streamlined Underwriting: • Transaction categories Quickly access detailed • Loan and bill payment
Slide 23: Data Enrichment
Data Enrichment Improved risk management and data analysis for a safer, more efficient, and insight-driven operation. Instant Fraud Detection: Rapid identification of gaps and inconsistencies to defend against fraudulent activities. Visual Risk Breakdowns: Intuitive visualizations of key risk indica
Slide 24: Micro Check
Micro Check Enhanced Algorithms for Risk Analysis Risk Mitigation: Access to the exclusive Canadian Database of Non-Registered loans in comprehensive risk assessment. Customer Insights: Obtain real-time updates on borrowers’ personal information and loan statuses before and after the loan. Centraliz
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