Air Payments Pitch Deck
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Transcript of Air Payments Pitch Deck
Air is a Payment Software and Online Wallet
Which saves users money by using
Distributed Encryption instead of Interchange.
The Problem: Interchange
Pain Points:
• 2-5% Fee, Card Based• 400,000,000 Stolen Cards in US• Only handles Card Data
COST/SECURITY CHOKEPOINTNO ENCRYPTION
GATEWAYCONSUMER
BANK
BUSINESS BANK
PROCESSOR
Air is Direct Payment
CONSUMERBANK
BUSINESSBANK
USERWALLET
PAYMENTSOFTWARE
ENCRYPTEDCLOUD NETWORK
DIRECT DEPOSIT DIRECT DEPOSIT
Solutions:
• 1% Fee = 50-80% savings• No card numbers to steal, no server chokepoint.• Payment + Shipping + Order Data
END-TO-END ENCRYPTION
Disruptive Technology
Our goal is to monopolize a fundamental technology.
Existing Market
(Outdated)
New Technology
(Inconvenient)
Refined Into
(Disruption)
Debit Card (Payments) Blockchain (Bitcoin) Air (Payments)
Steam (Transport) Crude Oil (Waste) Gasoline (Transport)
For Businesses: Payments Software
Easily installs onto any Ecommerce Website
50-80% Savings over card payments
No user signup required
Automatic Cloud EncryptionUser Data / Payments Database
Compatible with existing Card Payment systems
For Their Customers: Online Wallet
Full Encryption
Use on Any Device
Receipts stored on Cloud
Air replaces online shopping carts with 1 universal wallet.
Cash Back: Average rewards ~10x higher than a bank
The Tech: Distributed Encryption
website Phone Tablet
Decrypted Payment data
Encrypted data pieces
Distributed NetworkNo expensive servers required
Encrypted data pieces
Smaller Data Pieces = More efficient
Positioning
Air is the only payment system
below the interchange limit.
GO-TO-MARKET STRATEGY
B2B2C Model
Top Down B2B:Illinois-based Ecommerce Marketplaces and Apps
Incentives:Direct Sales to marketplaces
Subsidize Card-based Fees by 0.1%1% fee for Air based Fees
Growth Guidance:Outside-network data guides next B2B Targets
Bottom-Up B2C Features:B2C Multi-user wallet for Parents and Students
Secure replacement for online banking
FIRST CUSTOMER EXAMPLES
GROWTH POTENTIAL
Air provides significant savings for any BusinessProjections include all subsidies and incentive, rounded to the nearest $1000.
Annual Savings $5,506,000 $8,456,000 $13,248,000
Expected Adopt Rate 10.77% 16.08% 23.31%
Total Air Revenue ($1,540,000) $8,812,000 $63,798,000
Annual Savings $4,155,000 $7,387,000 $13,170,000
Expected Adopt Rate 16.98% 22.44% 29.03%
Total Air Revenue $2,096,000 $16,976,000 $66,647,000
Annual Savings $260,000 $387,000 $575,000
Expected Adopt Rate 17.52% 24.67% 33.53%
Total Air Revenue $142,000 $1,132,000 $4,401,000
Year 1 Year 2 Year 3
Annual Savings $201,000 $359,000 $636,000
Expected Adopt Rate 22.46% 29.04% 36.65%
Total Air Revenue $190,000 $1,146,000 $3,933,000
AVERAGE NET PROFIT INCREASE WITH AIR:
+35%
REGULATION AND PROTECTIONS
Air is compliant-ready for Illinois
• Money Transmission Licensing• MSB Licensing• Anti-Money Laundering Systems
Protections:
• 6-12 Month Development Advantage• 6-12 Month Regulatory Advantage• Provisional Patents• First Mover Advantage• Monopolization Potential
DEVELOPMENT PROGRESS AND BUDGET