Company: INVUP
Filing Date: 2025-03-28
Form Type: 10-K
Source: 0001641172-25-001193
Chunk: 2107

Company: Investview, Inc.
Filing Date: 2025-03-28
Form: 10-K
Item: Item 7
Chunk 2107
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 a combination of the “Bitcoin Halving” which occurred
on April 19th, 2024, decreasing the reward to 3.125 Bitcoin per block solved from the previous reward rate of 6.25 Bitcoin per block
solved, an increase in Bitcoin Network Difficulty and a mandated power curtailment enforced by the government-controlled utility companies
in Northern Europe, partially offset by an increase in the price of Bitcoin. As we have seen no material change during 2025 in the underlying
macroeconomic conditions that caused these contractions in 2024, we have reason to believe that trends we experienced in 2024 will likely
continue in 2025. Against these headwinds, in 2025, we believe that as we start to commercialize our Opencash business, and as we start
to experience some of the growth we expect from our health and wellness business unit, we may start to experience revenue growth that
was not available during 2024, although we do not expect that these possible lines of growth will in the short-term suffice to offset
the contraction in revenue we experience during 2024. We have otherwise sought to identify in our Risk factors discussion and elsewhere
in this Annual Report on Form 10-K, what we believe to be the most significant risks to our business, but we cannot predict whether, or
to what extent, any of such risks may be realized nor can we guarantee that we have identified all possible risks that might arise. Investors
should carefully consider all such risk factors before making an investment decision with respect to our common stock.

28

Commitments
and Contingencies

Related Party Debt

At
December 31, 2024, we had related party debt of approximately $2.7 million and debt of approximately $520 thousand.

Third-Party Vendor Buy-Back Program

Included
in the Apex sale and leaseback program that was discontinued in 2021, was a “guaranteed assets buy-back product”
underwritten, administered and managed by a third-party provider, Total Protection Plus (“TPP”), which was intended to
provide customers who participated in the Apex sale and leaseback program with a financial protection program (the “TPP
Program”), under which customers, provided they complied with certain TPP required claims procedures, could elect to collect a
cash payout in either a five-or-ten year interval after their initial purchase. As part of their sales and marketing materials, TPP
represented that they were a purported affiliate of a well