Market Opportunity!

The Problem Often,

beneficiaries misallocate the money

received from African

migrants

It is expensive to send money

to Africa

12% service fee from Money

Transfer Operators

&

The solution

• African migrants

Online platforms enabling

• Services

• Products

to Prepay

• for their relatives in Africa to benefit!

from Merchants in Africa

Technical architecture

Technical architecture Platforms

Android App

Payment gateway

Website &

Technical architecture How it works!

Migrants

• Log on to mergims’ platforms.

• Select and pay a service / product from merchants listed on mergims.

• Indicate beneficiaries.

Payment Gateway

• PayPal process payments (debit & credit cards).

• Payments are deposed in mergims’ PayPal account.

• At a strategic time, they are wired to Africa to refill mergims’ operational account.

Delivery

• Mergims instructs merchants servers to make instant delivery to beneficiaries!

• Distribution channels range from phone applications, emails and text messages.

• Merchants receive payments within agreed time frame with mergims.

• Migrants (+50 millions Africans live out of Africa)

Service fees

•Merchants

Commissions

Business Model How do we make money?

Our Performance for YEAR 1.

The value per transaction went from 1$ to an average of 20$.

The number of transactions per month multiplied by 10, with now about minimum of 150 transactions per month.

We received transactions from 21 countries.

Our active users’ pool is doubling every 3 months.

We went from 1 to 3 fully working services.

Our strategic plan! • Being a Key player in Rwanda remittances’ market. (offering more product & services such as insurances, loans,…)

•Developing new distribution channels (Smart Prepaid card,…).

•Expanding in New markets in Year 3 (West Africa, North Africa).

Revenue projections Revenues target USD

Volume of money

transferred to Rwanda Steady yearly

growth Targeted market shares in Rwanda

services % in money sent

Total commission

Period incurred (Months)

Sales Forecast*

Year 1

170 000 000 1 0,01%

0,50 8,6% 11/12

670

Year 2

176 800 000 4,00% 5,00%

0,50 8,6% 12

380120

Year 3

183 872 000 4,00% 10,00%

0,80 8,6% 12

1265039

Year 4

191 226 880 4,00% 50,00%

0,90 8,6% 12

7400480

Year 5

198 875 955 4,00% 70,00%

0,95 8,6% 12

11373716

Muhire Louis Antoine, Founder & CEO Former Montreal Police communications analyst Graduate Marketing/PR Ottawa University – Canada Serial entrepreneur mostly in Internet related startups.

Alex Uwiringiyimana, CTO Experienced Software developer Founded a web and mobile apps designer startup Remarkable self-learning guy!

Amina Ingabire, CFO Experienced accountant Graduate Rwanda National University Dedicated and loyal team player!

The team!

Competitive landscape Competitors / Points

Does Cash to Cash

remittance and Cash to Good, in Africa

Accept International Debit / Credit cards

Immediate Delivery

of services or products

System is able to host any type of

merchant!

Yes

Yes

Yes

Yes

Yes

No

No

No

No

Yes

No

No

Yes

Yes

No

No

Value Proposition

A guaranteed channel for African migrants to use when supporting their loved ones, in Africa!

And Soon on

Mergims prepaid card

• African migrants

Enabling

• With some Restrictions

to add money (reload-deposit)

• for their relatives to use on PoS, in Africa

on a Prepaid card (Debit/credit )

PS: The card will be able to hold other values such as medical insurances and loyalty features.