Private & Confidential

Addressable market – daily active users (2024)

13% CAGR in users

Global Mobile Payments Market Size (2024)

Based on a CAGR 30.1% from 2020 to 2027~

Rapidly declining cash use.
15%Increasing ecommerce.
are expected to hit $168.7 billion in 2022

cash point-of-sale payments in Japan dropped

Japan’s ecommerce sales

Government cashless goal.

at least 40% of all transactions2

Private & Confidential

Digital wallet investment

Our unique value:
Modular and highly customizable
Vast product & partner network
Scalable, Safe & Stable cloud-native platform.

Education

White-Label wallet-as-a-service
platform for account and card
issuers to provide a faster time tomarket and a more tailoredexperience for their customers.

Government

Private & Confidential

Private & Confidential

API Aggregation

Creating a Tokyo Master Wallet that can be used bydifferent parts of the city (Shibuya, Minato, Koto, etc)
P2P payment

Savings
Management

Buy Now Pay Later& Insurance

Contactless
Payments

Collaborative
Budgeting

Card Issuance &Management

Multicurrency

and be customized to the specific needs of the citizensof that city.

Loyalty & RewardsPrivate & Confidential[TODAY'S HW CAPABILITIES][FUTURE HW CAPABILITIES]Multiple Homes, a single card▪

See all your accounts, balances and transaction

Our core cards capabilities today allows

data across other banks and FIs within yourusers toTokyo wallet▪

▪

Integration with Open Banking Platforms
like NTT Data to get real-time access to▪

Issue virtual and physicalaccount, balance, transaction, and identity

cards

data

Load your other cards into the app and link them▪

View card details

to your Tokyo Card▪

Set card controls▪

Block / unblock cards▪

Enable your users to manage all of theiraccounts from a single view

NTT Data corePrivate & Confidential[TODAY'S HW CAPABILITIES][FUTURE HW CAPABILITIES]The Whole House in one Hand▪

Store your family cards in a single wallet

Budgeting capabilities today allows users▪

Schedule allowances, check spending andtomanage the family’s budget▪

Set up a Junior account for your children▪

Create challenges for them to complete for

Automatically assigning categories to eachtransaction based on MCC codes▪

Create budget categories▪

Set budget limits for eachcategories▪

Manually assigningcategories to eachrewards

transactions▪

▪

▪

Track spending

Link one card across multiple wallets
thereby allowing parents to track theirchildren’s card expenditure throughtheir own wallets▪

Creating and tracking budget categories
across multiple wallets

Private & Confidential[TODAY'S HW CAPABILITIES][FUTURE HW CAPABILITIES]

Improve customer loyalty▪
▪

Allow customers to earn loyalty points from

Our integration with Loyalty Partner▪

Analytics partner network

making purchases(Ascenda Loyalty) provides you with the▪

Loyalty & Merchant network

Empower them to offset their purchases using thepoints – for both online and instore purchases

necessary tools to manage your own loyalty
programme
Loyalty Console – Manage users' data andrewards programme
Loyalty Engine –Create rules to respond toany customer activity with points , a reward,
a push notification or trigger to a 3rd party
service
Card Linking - Receive transaction data
every time a customer makes a purchaseusing their linked debit/credit card

Private & Confidential[TODAY'S HW CAPABILITIES][FUTURE HW CAPABILITIES]

Unique ways to pay online▪

Checkout using “Pay with Tokyo Wallet” on▪

partner stores online for a more convenient andflexible payment method▪

▪

EMV QR Payments

card to Apple Pay or Google Pay▪

Digital Card Issuance - The digital

In-app payment - Upon connectingcard will only exist in the user's phone

their card to the third-party wallet,(no physical card will be issued). Theusers can pay using the Google/Apple

card details will also differ from thePay directly in-app

user’s primary cards. This gives users▪

Tap to Pay using Android phones

greater security as there is no risk of▪

P2P Payments to different wallets

losing a physical cards and they can▪

Choose to pay in installments directly through theapp

Push provisioning – Connecting yourmake online purchases without having
to share their primary card details.
▪

Issuer Pay – Allowing users to tap-topay directly through the app▪

Merchant POS Wallet for payment
acceptanceThe Co-Founders

John
Rutledge,
CEOVeljko
Vasic,CSO

Ivan
Bajalovic,
CTO