24/7 banking....provide a regulated and licensed bank and payment provider based on digital and...

Aragona Global || [email protected] || www.agbbank.com Professional, Modern Banking

We are your solution for professional, modern banking. www.agbbank.com

24/7 Banking. While other banks are sleeping, we are working.

http://aragonaglobal.com

http://www.aragonaglobal.com/


Project Aragona Global Bank

Project Benefits Private banking owner, high profits, and equity/dividends

Open Shares 10,000,000 - 50,000,000

Investment Length 60 days (21 Days SWIFT Locked)

Investment Amount US$450,000 - US$1,800,000

Equity 2.5-10.0%

Investment Term 60-90 Days

Investment Yield 100% return and dividends on shares

Total Project Value US$29,000,000




Investor Summary

1. Unique opportunity to become an owner and shareholder of an offshore bank and generate 100% profits on your investment in 90 days.

2. The project will be funded via a monetized Standby Letter of Credit (SBLC) that will trade for the duration of the project’s setup and development.

3. The investor deposit will be maintained in the company account for 60 days, 21 days SWIFT locked, to generate the initial SBLC purchase. Once the SBLC is paid for, the investor funds will be returned.

4. The investment requires a minimum of US$450,000 per investor and will reserve 2.5% equity in the project for a total of 10,000,000 common shares.

5. Investor payout from the SBLCs will be 100% profit on deposited funds, paid in two payments of 50% within 3 months.

6. As a shareholder, the investor will be paid dividends on the bank’s profits per the shareholder agreement.




The Future Of BankingWe are living in a global world. At Aragona Global, we will operate 24/7 to support our partners. We provide banking to large and small fintech companies, including payment providers, brokers, gaming platforms, and online businesses.

We are seeking only the best investors and clients at Aragona Global: premium partners who are committed to our vision and the future of neo-banking and blockchain technology.

Contents5 Vision 16 Roadmap6 Mission 17-18 Growth Plan7 Project Overview8 Problems

Investment

9 SolutionsProgrammable

10 ClientsHow it Works

11 ServicesNeo-Banking

12-13 Competition

19 20 21 22 23 Summary

14 Market15 Schedule




Revolutionize the banking and payments industry with the use of disruptive technologies.

Our Vision

ü Eliminate inefficient processes, such as redundant KYC and invoices, by using blockchain and distributed ledgers.

ü Capitalize on the lack of banking and expensive payment services for thousands of fintech companies and digital merchants.

ü Streamline the banking and payments industry by creating a unique platform with programmable bank accounts.

ü Augment traditional banking with digital assets and neo-banking technology, providing the world’s fastest and most efficient bank.




Provide a regulated and licensed bank and payment provider based on digital and traditional assets, as well as a licensed crypto custodian and exchange.

Create the world’s #1 fintech banking solution.

Make payments and onboard clients 24 hours a day, with our built-in payment provider and remittance system.

Provide explosive returns for our investors and its shareholders through a unique banking solution.

Deliver a powerful platform that is fast secure and easy-to-use for clients and companies alike.

Our Mission




Fully licensed and regulated bank based on cutting-edge online banking technologies.

GROWTHBanking platform and licensing provides regulation to establish a funding platform for new projects.

REALTIME

Faster transfers – minutes, instead of days as with traditional banking.

Direct and instant payments to providers with.

ANYTIMEAvailable 24/7, serving partners in any time zone.

PAYMENTS

SIMPLIFIED

Overview

Programmable bank accounts with exchange technology. 100% web- and mobile-compliant.

ØLower cost payments for greater markup potential and eliminate competition.

ØOnboard more clients around the globe and process more transactions.

ØReduce prepayments and utilize capital for growth and income.

ØHuge potential income from venture capital and share holding.

ØMerchants can create custom solutions virtually eliminating the need for other payment services.




Many fintech companies, brokers, exchanges, gaming companies, and online merchants are considered too high-risk for many banks; instead, these companies are forced to rely on expensive PSPs.

Broken BankingIndustries with high daily turnover are

considered high-risk and cannot obtain

sufficient banking; instead, they must rely on

expensive PSPs.

Proof of Payments and OwnershipPaper-based invoices and human error in

billing are fairly common, and many

companies lack proof of funds, payments,

and ownership.

Costly and Inefficient Compliance ProgramsThese expenses erode profit margins and

increase costs to clients. Loss of bank

accounts possible.

Expensive PaymentsPayments that costs as much as 17%.

The average cost in 2018 to send

money from G20 countries was

recorded at 7.46%.

No Realtime PaymentsBanks operate on local time during

business hours, not supporting

international clients. They utilize outdated

systems such as SWIFT.

1

Market Problems

4

2

5

3

6

.

Closed SystemsLegacy online banking provides a closed

manual interface. Payment, trading

platforms, and exchanges provide various

closed APIs.




With a wide array of financial and non-financial use cases, blockchain is often considered as a solution to almost any problem in the banking industry. With Aragona Global Bank, we will make this a reality.

Our Solutions

State-of-the-Art BankingIntegrated fiat e-wallets with digital

assets, card processing, and crypto

exchange.

Smart ContractsPrivate or public smart contract ledgers to

track payments, proof of funds/escrow,

and proof of ownership.

Built in KYC/AMLKYC/AML and compliance standards are built

into the banking platform APIs.

Programmable AccountsProvide direct access to all services. Reduce

labor costs and time for processing clients,

payments and transactions.

Around-the-Clock Cross-Border PaymentsOpen 24/365. Companies can send on-demand

payments around the world and secure a

greater share of cross-border clients.

Reduce FeesReduce high-cost fees by eliminating redundant

processes and third-party processing.




Banking Gaming Industry Crypto Exchange Brokers MerchantsBanking and built-in PSPs

for clients and payouts, including digital payments

and rewards.

Payments ProviderCard services and crypto

payments, with programmable accounts.

Automated fiat-to-crypto conversion and payouts. BTC, ETH, USDT, XRP, and more.

Brokers can use client deposits and partner

payments.

Merchants can use programmable accounts

and payments to integrate into their CMS and CRM.

Banking services include loans, card services, and traditional bank transfers.

Our Clients



Aragona Global || [email protected] || www.aragonaglobal.com Professional, Modern Banking

Our Services

PaymentsPayments, mobile and card

processing connected to your bank account.

ExchangeBuilt-in crypto payments and

exchange for merchants.Support all major Cryptos.

Venture Capital

Banking PlatformLaunch banking products to

support our high-turnover clients: brokers, exchanges, fintech, and others. Integrated KYC and AML.

Trading PlatformMulti-asset platform with

programmable APIs (WEB, FIX4.1).

ProgrammableSupport custom solutions for

fintech and other online merchants and businesses.

Mobile

INVESTMENT

VENTURE CAPITAL

CRYPTO EXCHANGE

PSP

KYC/AML

BANKING

ACCOUNTS

11

Fundraising platformand launch pad for new

businesses and investors.




Trading Platform

Interbank Transfers

Card Services

Integrated Payments

Bank Loans

Crypto Exchange

Programmable Bank

24/7 Operation

Fundraising

Smart Contracts

Margin and Liquidity

Advanced Mobile App

Integrated Compliance

Competitive Advantage




Blockchain Students Freelancers

Students

Millennials Kids

Digital Banking B2B-Debit

Credit

Underbanked/Unbanked

Home Owners Business Focus Funding

SMB/SMEs

Expense Management

Tech Startups

Freelancers

Digital Banking Payments

Credit/Debit Fund Raising

Trading and Investing Blockchain

ü Digital banking with multiple currencies ü Currency exchange services ü All features online or via mobile appü Programmable accounts

ü Automated and Scheduled Paymentsü Gateway Services and Card Processing ü Interbank Transfers Internationalü Wire Transfers

ü Visa / MC / JCB / AMEX Paymentsü Union Pay (UPAY) Paymentsü Deposit and Checking Accounts ü Debit and Credit Cards

ü Investment Products and Term Depositsü Bonds, Notes, and Mutual Fundsü Leveraged Products and CFDsü Liquidity Provider Services

ü Crypto PSP Services & OTC Exchangeü Crypto Exchange and Trading platform

ü Support Crowd Funding and Venture Capital Companies

ü Integrated Customizable Platformü Donation Handling Services and Non-profit

Organizations

Business Focus

ü Merchant Services ü Budgeting and Expensesü Business Loansü Paymaster API and Services

ü Escrow and Fund Holding ü Accounting and Tax Support ü Business Banking Mobile App ü Integrated KYC for Merchants

Competitive Advantage

DISRUPTIVE FINTECH




Capitalize on the growing fintech, crypto and gaming industries’ needs for new, faster and more powerful banking and payment solutions.

Be one of the first to provide neo banking solutions for Africa and many parts of the developing world.

Market Potential

The global digital remittance market is expected to reach US$8.6B by 2025

US$5 trillion is traded on average every day in global forex industry.

300+ payment providers charging anywhere from 2% to 12.5%

TransferWise and others created a market by undercutting banks on costs. They rely on old banking technologies and do not support the financial or gaming industries.

Consumer spend in Africa’s 18 megacities is predicted to reach US$1.3T by 2030.

58% of the world’s mobile money accounts are registered in Sub-Saharan Africa.

80% of people living in Africa lack banking.

Fintech is set to grow to US$3B from US$200M by 2020 in Sub-Saharan Africa alone!




DECEMBER 2019

JANUARY 2020

APRIL 2020

MAY 2020

MAY 2020

FUNDRAISING COMLPETED

APPLICATION SUBMITTED

DEVELOPMENT BEGINS

BANKING FACILTY SET UP

BANK LICENSED OBTAINED

Fast Track

Pro-fintech government will fast-track the license

application and approval as part of their growth plan.

DevelopmentCommercial banking software will be integrated first, then advanced features will be added for steady

growth.

BankingCore banking services will

be launched to provide income and immediate

investor returns.

Key events leading up to bank setup, licensing, and launch.

Schedule




Six-quarter company roadmap showing key events and milestones

Roadmap

2021 Q2• Payment service launches• Payment APIs, CRM, and CMS

plugins available

2021 Q1• Programmable bank accounts added• Platform upgrades

2020 Q2• 24/7 banking starts• Card processing starts

2020 Q2• Licenses obtained• Bank software procured and

set up• Development begins

2020 Q4• Exchange launches• Exchange API available

2021 Q3• Trading platform launches• Margin and liquidity added

Assets: US$25M+1,000 transactions / day+50 Clients








SBI Ltd

Ten-year growth estimates of assets under management

Growth Plan

17

$0

$200,000,000

$400,000,000

$600,000,000

$800,000,000

$1,000,000,000

$1,200,000,000

Banyan Tree

ABC Banking

Bank of Baroda

Manu Bank Ltd

2021 2022 2024 2026 2029




Brokers, exchanges and financial service providersUS$ 600M

Gaming, Merchants and Payment/Remittance Providers.

US$ 300M

Venture Capital can provide for significant returns on investment.

US$ 75M

Research and Development projects for fintech,Blockchain and XRP.

US$ 25M

Aragona has set a goal of US$1 billion in assets under management by the year 2029.

Growth Plan




Total investment and development costs, including first-year salaries.

Investment

21

Legal Costs $3,000,000

Consultancy fees $2,500,000

Bank Application $500,000

Setup Costs $4,674,695

Salaries in Year 1 $1,706,695

Software Purchases/Licenses $1,000,000

Platform Development $1,170,000

Facilities $798,000

Minimum Capital Requirement $11,400,000

Tier I Capital $10,000,000

Operating Capital/Loans $7,500,000

Margin/Liquidity $2,500,000

Total Costs $29,074,695

Fund Raising Goal $29,074,695

Tier 1 Capitalreturned to investors when bank assets reach US$150M.

Minimum Capitalcan be kept in investors own blocked accounts.

Tier 1 Capitalnot required for license.



Aragona Global || [email protected] || www.agbbank.com Professional, Modern Banking 22

Programmable BankingHow can clients use our programmable banking?

ü Integrate directly into your back office or CRMü Linked to your exchange and card accounts accountsü Generate custom statements, invoices, and billing

ü Create your own remittance or payments serviceü Accept Visa/MC and crypto to your bank accountsü Provide automated rebates and rewards to clients

ü Deposit in fiat (USD/EUR/GBP), crypto, or cardsü Automatically send paymentsü Automatically distribute incoming deposits to various

digital wallets

ü Markup on services or productsü Markup by client typesü Automatically provide volume discountsü Integrated KYC and AML

Automated Banking

Convert and Pay Features

Payment Service




How it Works

PAYER AGB

FIAT/EOFC/CRYPTODEBIT/ATM

Fiat accounts

Crypto

BANK ACCOUNT

CARD PROCESSING

EXCHANGE WALLET

PAYOUTSConvert and pay out

CRYPTO

MOBILE

VISA/MC

FIAT WITH SWIFT

MOBILE

CRYPTO

FIAT WITH SWIFT

1 2 3 PAYEE

Instant deposits, withdrawals, payments, and exchanges with mobile app.

One bank account with so many options.

CONVERTPAYMENTS PAYOUTSAccept any payment type or

combination Convert and store in your

walletsAutomated, manual, or

scheduled payouts



Aragona Global || [email protected] || www.aragonaglobal.com Professional, Modern Banking 24

Neo-Banking

ü Automated and efficientü Bank transfers acceptedü Crypto and cards processed with PSP APIü Funds stored in fiat, crypto, or bothü One Account

Built-In PSP API

EUR

PSP

Cash

CLIENT/MERCHANT

OUT

IN

Card/Crypto FEES

SWIFT

Integrated payment and crypto provider.

BANK

CLIENT

MERCHANT

Credit Card

(minutes)

PSP

2-5DAYS

SWIFTFEES

3rd Party PSP

Slow, complex and manualFees and KYC at every step Takes days to deposit to your accountRequires expensive PSP and exchange serviceMany accounts

BTC

Exchange2-5DAYS

SWIFTFEES

EXCHANGEFEES

SWIFTExchange/Pay/Remit




Summary

Investment

Schedule – Fast-Tracked

ü Investment begins in December 2019

ü Project starts January 2020

ü Bank license issued 3-4 months after application

ü Operations begin after licensing

Income Sourcesü 24/7 Banking Transactions

ü Card Processing and Mobile Pay

ü Growth and Investing

ü Exchange Service

ü Payment and Remittance

Project Funding

ü US$7.6M setup and license

ü US$11.4M capital requirement (400M MUR)

ü US$10M Tier I capital – returned (US$150M Assets)

ü US$29M total project

ü 100% profits on your investment in 90 days.

ü Minimum of US$450,000 per investor to reserve 2.5% equity

ü Project funded via a monetized Standby Letter of Credit (SBLC)

ü Investor deposits funds for 60 days, 21 days locked and then refunded




JOIN THE FUTURE OF BANKING

www.aragonaglobal.com

aragona.bank+357-95117479 [email protected]



24/7 banking....provide a regulated and licensed bank and payment provider based on digital and...

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