PowerPoint Presentation

[Audio] Seed Funding Proposal for SendMinutes Next-Gen Infrastructure Infrastructure for Cross CrossBorder Payments Payments To become Southeast Asia's core financial rail where moving money across borders is as fast and safe as sending a message, fully regulated, and with no crypto required or visible to users. Confidential investor materials SendMinutes Pte Ltd October 2025.

[Audio] Filipino migrant workers in The Hidden Tax on Migrant Workers 6.49% Singapore lose the equivalent of a week's groceries every month to fees and FX markups. They endure Global Remittance Cost Average fee across 367 delayed settlements, physical branch visits, and opaque processes during urgent family needs. corridors (World Bank, Q1 2025) SGD 80 Monthly Loss Students receiving tuition funds face unpredictable arrivals and worse FX rates, creating stress near payment deadlines. For workers earning SGD 1,500/month.

[Audio] Our Primary Market 220,000 Filipinos in Singapore 9% of Philippines GDP High Digital Adoption 60% professionals and skilled workers, Remittances account for nearly oneMajority actively use smartphones and 40% household service staff tenth of national GDP (2023) mobile apps for family connection Target: Capture 10% to 30% of Filipino foreign workers in Singapore during Phase 1. This digitally fluent, financially active population sends money home monthly as essential lifelines..

[Audio] Our Solution: Invisible Stablecoin Infrastructure User Sends SGD PayNow or bank transfer — familiar, trusted methods Backend Converts to XSGD MAS-regulated stablecoin enables instant cross-border settlement Recipient Gets PHP GCash, bank deposit, or cash-out instantly — zero crypto exposure Advanced technology, intentionally familiar experience. We're changing the rails beneath the behavior — so the experience finally serves users, not the system..

[Audio] Competitive Landscape Analysis Nobody today offers sub-1% fees + instant settlement + MAS-grade compliance simultaneously. Competitors sacrifice on cost, speed, or both. Competitor Real Cost Speed Limitations Wise 0.6-1.0% total <20 sec (UI only) Not true settlement, batch-reconciled later Singtel Dash 1.5-2.0% total Instant to wallet Legacy rails, Work Permit restrictions Remitly 2-3% total Minutes (paywalled) Speed costs extra - instant not free Western Union 3-7% total 1-3 days (bank) Highest cost, branch legacy, poor UX Revolut SG 0-1% + weekend penalty Minutes Not optimized for corridor, global focus Instarem 0.5-1.0% norm Minutes Still on PESONet batch networks.

[Audio] Our Unfair Advantages Invisible Blockchain True Settlement Speed Compliance-First Architecture Users PayNow in SGD like always. Smart-contract settlement in MAS XSGD + BSP-licensed offWe change the rails underneath, seconds with immutable finality. ramps. Speed of DeFi with trust of not the user behavior. Zero friction Not UI speed tricks — actual licensed institutions. barrier. blockchain-level efficiency. User-First Custody Model Structural Cost Advantage Hard-to-Replicate Stack Account ion provides Our margin structure is superior MAS stablecoin backend + smartcrypto-grade security without by design, not discount. We run contract automation + account crypto complexity. Users own on programmable stablecoin rails ion + BSP off-ramp + their funds from Day 1 without with direct bilateral settlement. traditional UX. Competitors can't realizing they have a wallet. duplicate without total rebuild..

[Audio] Revenue Model Core Remittance 0.85% 0.75-0.95% FX spread on standard transfers 95% Express <60 sec: +SGD 1.00 Average Take Rate Competitive yet profitable 24/7 guaranteed: +SGD 1.50 Hidden Economics B2B/API Product Premium Speed Margin 2-3% annual yield on stablecoin-backed float SGD 0.50-1.20 per bulk payroll transaction Nearly pure profit on optional express features Pure invisible profit stream Infrastructure SaaS model Future Revenue Expansion FX Hedging Multi-Currency +0.2% premium for locked rates Regional corridor expansion.

[Audio] Go-To-Market Strategy: Trust First, Not Marketing First Year 1: Foundation Intelligence Year 2: Sandbox Testing Year 3: Official Launch Build invisible authority through paid Invite-only onboarding via church SGD 1M marketing deployment. trust research, listening sessions with referrals and embassy contacts. 100+ Partner with Filipino churches, Filipino communities. No public trusted early users validate UX. employer HR, and authority voices. launch. Deep trust network foundation. License application in progress. Build Target: 30,000+ active users. Trustwaitlist quietly. first launch dominance. Year 5: Market Leadership Year 4: Network Effect SGD 500K for retention and Philippine family-side activation. SGD 300K surgical budget for loyalty and student vertical Launch student intelligence phase. Target: 60,000+ retained entry. Expand into B2B payroll. Evolution from "fastest users. remittance" to "intelligent financial rail.".

[Audio] Five-Year Financial Overview 1 2 3 4 5 Financial Year 20,000 121,350 1,836,000 3,672,000 3,672,000 Total Income (SGD) Less: Total (99,643) (550,335) (1,805,767) (1,658,258) (1,561,148) Expenses (SGD) Net Profit (79,643) (428,985) 30,233 2,013,742 2,110,852 (SGD) Note: Detailed expense breakdowns and revenue assumptions are available in Annex 2 & 3 of the full financial documentation..

[Audio] Founding Leadership Team Chow Kok Peng Xavier Lee Zheng Da Le Viet Luong Wong Zhen Quan CEO — Strategy & Investor COO — Operations & Service CMO — Marketing & Customer CFO — Finance & Capital Strategy Relations Delivery Relations ACMA, CGMA. Extensive experience in accounting, M&A Master's in Data Science. Lecturer Banking background, now Applied Finance degree. Datacorporate finance, and digital in business intelligence with managing logistics and supply driven analytics experience with marketing. blockchain and fintech expertise. chain with business analytics skills. consulting and AI-tech companies. Key Milestone: Team has completed strategic alignment, role allocation, and preliminary equity structure ahead of seed fundraising..

[Audio] Seed Investment Opportunity Valuation Framework SGD 2.5M for 23% Equity Capital Allocation 01 30,000 Active Users Conservative Year 3 projection 43% Go-To-Market & Minor Buffer SGD 1.06M for trust-seeding and community penetration 02 SGD 61.20 ARPU Annual revenue per user (SGD 600/month × 0.85% × 12) 25% Core Team 03 SGD 1.84M NTM Revenue SGD 625K for founding team and operations Next twelve months projection 17% Compliance 04 6× Revenue Multiple SGD 420K for MAS EMI license and regulatory readiness Use Conservative Benchmark (See Annex 4) 15% 05 SGD 11M Pre-Money Platform Build Implied valuation SGD 380K for infrastructure and security Full 24-month runway until breakeven by Year 3. All funds invested in development, compliance, and market ignition..

[Audio] 10-Year Vision: Southeast Asia's Financial Rail "We're not launching another remittance app. We're quietly replacing the underlying financial rail between Singapore and the Philippines, then across Southeast Asia." Trust Infrastructure True Finality Regional Expansion Settling with blockchain finality in seconds. Not UI speed tricks — From B2C remittance to B2B payroll, multi-currency corridors, and unmatchable structural advantage. becoming core settlement Embedded in Filipino institutions — churches, welfare groups, employers. Channels that can't be outbid with ads. infrastructure. Compounding Structural Advantages Every transaction strengthens our data and liquidity moat Invisible Web3 with full regulatory trust — zero behavior change Competitors would need to tear down and rebuild their entire stack to compete. This isn't about discounting or promotions — it's an unmatchable infrastructure rail advantage. Multi-monetization flywheel across B2C, B2B, and value-added services.

[Audio] Thank You. Thank You.