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(Outdated)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