Series A Investment Opportunity

P-UP Innovative
Financial Solutions Ltd

Building Africa's most comprehensive fintech infrastructure platform—powering the next generation of financial services with Banking-as-a-Service, Payment Solutions, and Microfinance Innovation

₦4B
Current Valuation
₦200M
Seeking Investment
5%
Equity Offered
🏦 Tier 2 MFB Licensed ⚡ 15-Product Ecosystem 🤝 Major Bank Partnerships 📡 SpaceWiFi JV
December 2025
01

The Problem & Our Innovations

Nigeria's payment infrastructure has critical gaps—we've built patent-pending solutions to solve them

📉

Transaction Failures

60%+ of bank complaints are failed transactions and unresolved payment issues.

SOURCE: NIBSS/CBN 2023-2024
🔌

No Offline Payments

70%+ markets have network issues. When internet fails, commerce stops.

ZERO OFFLINE ALTERNATIVES
🏦

Banks Are Blind

Banks see money move but never know what was purchased. Zero commerce intelligence.

NO ITEM-LEVEL DATA

🚀 Our Patent-Pending Innovations

📡
AirVend - Offline Payments
Patent-Pending Technology

World's first Bluetooth-based offline payment system. Merchants accept payments with zero internet using phone-to-phone sync. Transactions reconcile when connectivity returns.

🛒
CartLink - Commerce Intelligence
First in Nigerian History

For the first time ever, commerce information enters Nigeria's financial ecosystem. Banks can finally see what was purchased—not just that money moved. Revolutionary for credit scoring & lending.

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P-UP Logo

About P-UP IFS

Founded on the belief that financial access should be universal, BaaSey by P-UP Microfinance Bank enables you to manage every layer of your financial operations — from offline payments and smart checkout to reconciliation and embedded finance — all in one modular stack built for Africa's real-world economy.

Our Vision

To build Africa's most trusted digital microfinance ecosystem empowering individuals, agents, and enterprises with tools to thrive in both connected and offline environments.

🤝
Integrity

We operate with honesty, accountability, and transparency in every transaction and partnership.

💡
Innovation

We leverage modern financial technology to empower businesses and individuals alike.

🌍
Inclusion

We believe financial growth should be accessible to everyone regardless of location or background.

🎯
Impact

Every solution we build is designed to create measurable impact in the lives of our users and communities.

02b

Our Solution: P-UP IFS

An integrated fintech ecosystem powered by BaaSey—our Banking-as-a-Service infrastructure that enables any platform to offer financial services

🏗️
BaaSey Infrastructure

Our core Banking-as-a-Service platform that powers everything—virtual accounts, wallets, payments, and intelligent transaction routing across multiple banks.

Tier 2
MFB License
NIBSS
NIP Live
Offline
First Tech
CartLink Transaction Details
Live Platform: Transaction details with itemized line items
03

15-Product Ecosystem

A comprehensive fintech platform where each product reinforces the others

Core Infrastructure
🏦
BankBox
Embedded finance for platforms
💼
VaultIQ
Smart multi-purpose wallets
🔌
GateLite
White-label payment gateway
Payment & Checkout
📡
AirVend
Offline Bluetooth payments
🛒
UniTap
Multi-merchant checkout
📲
SnapTag
Dynamic QR payments
🛍️
CartLink
Social commerce checkout
👛
UniPouch
Universal buyer wallet
Management & Intelligence
📊
ReconcileX
Auto reconciliation
👥
AgentIQ
Field agent management
🔐
SafeHands
Cashier control system
📄
InvoIQ
Smart invoicing & micro-ERP
📈
ClariFi
BI dashboards
🔍
CrediFind
Merchant reputation
🏛️
CivicFlow
Govt revenue platform
04

Core Infrastructure Products

The foundation that powers everything else

🏦
BankBox
Embedded Finance Infrastructure
Real Scenario

EasyBid, a transport app with 20,000 drivers, wants to give each driver a wallet and virtual account. Instead of building banking rails, they integrate BankBox API and go live in 1 week. Each driver now collects fares digitally.

Problem Solved: Platforms can become "neobanks" without a license
💼
VaultIQ
Intelligent Merchant Wallets
Real Scenario

Unity Women's Coop with 300 members creates sub-wallets: savings, loans, welfare. VaultIQ auto-deducts savings → loan repayment. Treasurer gets PDF ledgers. Zero Excel, 100% traceable.

Problem Solved: Multi-purpose wallets with programmable logic
🔌
GateLite
Payment Gateway in a Box
Real Scenario

EduSuite, an LMS for 10,000 schools, integrates GateLite. Every school gets branded payment pages + wallets. In 2 weeks, they become a PSP without CBN license headaches.

Problem Solved: Any platform becomes a payment gateway
05

Payment & Checkout Products

Revolutionary ways to accept and process payments

📡
AirVendPATENT-PENDING
Offline Bluetooth Payments
📍 Scenario: Kaduna Village

Ngozi, a yam seller, has no internet. A customer arrives with no cash. Ngozi generates a Bluetooth signal on her basic Android phone. Customer's phone sends payment token. Payment confirmed instantly—offline. When Ngozi gets connectivity later, everything syncs automatically.

🎯 Innovation: World's first Bluetooth offline payment infrastructure. No network = no problem.
🛒
CartLinkHISTORIC FIRST
Commerce Intelligence Layer
📍 Scenario: Instagram Seller

Uju sells beauty products. Customer orders ₦25K worth. With CartLink, payment includes item names, quantities, prices. For the first time, the bank sees: "Foundation ₦8K, Lipstick ₦5K, Skincare ₦12K"—not just "₦25,000 transfer".

🎯 Innovation: First time commerce data enters Nigeria's financial system. Enables credit scoring by purchase behavior.
📲
SnapTag
Smart QR Infrastructure

Goke manages Ilorin transport park. Each bus route has a QR. Riders scan, select seat, pay via wallet. Goke sees real-time: Route, vehicle, collector, amount. No cash leakage, no lost tickets.

Problem Solved: QR becomes smart—carries metadata, auto-reconciles
👛
UniTap + UniPouch
Universal Checkout & Wallet

Sandra shops from 3 Instagram vendors. Instead of 3 payments, she adds all to one CartLink checkout. UniTap splits payment automatically to each merchant. Each gets exact order details.

Problem Solved: Multi-merchant cart in one checkout—like Amazon, but for informal sellers
06

See It In Action

Real screenshots from our production mobile application

Secure Login
Secure Access
PIN + biometric login
VaultIQ Dashboard
VaultIQ Dashboard
Wallet & card management
CartLink Checkout
CartLink Checkout
Itemized QR payments
📱
iOS & Android
Native apps
⚡
Built on FLEX
Our flagship platform
🔒
Bank-Grade Security
PCI-DSS compliant
06b

Management & Intelligence Products

Tools that make businesses smarter and more accountable

📊
ReconcileX
Auto Reconciliation

Tunde runs a car parts shop. Each invoice gets a virtual account. Customer pays, system auto-matches to invoice, marks "PAID" in his Odoo. No manual checking ever.

Solved: 99.9% auto-matching, zero Excel
👥
AgentIQ
Field Agent Dashboard

Zainab, an MFI agent, visits 32 women daily for repayments. Each collection logs GPS, time, amount, customer ID. Supervisor releases commission at 6PM after review.

Solved: Field fraud drops 90%
🔐
SafeHands
Cashier Control

MegaMart with 70 outlets assigns each cashier a personal wallet. Cash escrowed until supervisor approves. Daily logs show inflows by cashier, device, shift.

Solved: Retail fraud & reconciliation chaos
📄
InvoIQ
Smart Invoicing

Tomi, a graphic designer, used to send bank screenshots. Now she sends branded invoices with unique virtual accounts. Client pays, invoice auto-updates to PAID.

Solved: No more "who sent ₦12,500?"
📈
ClariFi
Business Intelligence

Chuka runs 3 phone shops. ClariFi shows profit margin dropping at Benin branch. He clicks → sees rising expenses from over-ordering. Data-driven decision in seconds.

Solved: BI for non-technical merchants
🏛️
CivicFlow
Govt Revenue Platform

Mrs. Ekene, a fruit vendor in Aba, gets a QR sticker from LGA. Pays ₦200 levy daily via wallet. LGA sees exact stall, ward, time, agent. Zero paper.

Solved: Ghost agents, levy underreporting
07

The Problem FLEX Solves

Nigeria's payment ecosystem is broken

~40%
Failed Transactions

Digital transactions fail across all channels in Nigeria — POS, mobile apps, web transfers, USSD

🔓 Exposed Account Numbers
Identity Theft Risk
Account Number + BVN = Full identity exposure
Phishing Attacks
Social engineering using shared account details
Business Risk
Reputation damage from payment failures
FLEX Platform
08

The FLEX Solution

A unified, PayTag-powered payment network

FLEX makes paying, sending, and receiving money as simple as sharing a name. Instead of account numbers, FLEX uses unique PayTags to enable instant, secure transfers across all banks and fintechs.

🔗 Interoperability

Works across ALL banks and fintechs — no silos, no friction

🏷️ Smart Identity (PayTags)

Humanize payments — send money to @username instead of 10-digit numbers

⚡ Private Settlement Layer

Bypasses legacy infrastructure for faster, more reliable transactions

🔌 Plug-and-Play Integration

Banks, fintechs, and merchants can adopt FLEX seamlessly via API

💰 Business Model: Fees + Float

₦0 - ₦5,000 ₦0 (Free)
₦5,001 - ₦10,000 ₦10
₦10,001 - ₦25,000 ₦15
₦25,001 - ₦50,000 ₦25
>₦50,000 ₦50 (Cap)
P2P transactions are completely FREE
Average Revenue Per Transaction
₦25.00
08b

FLEX Traction & Projections

Proven growth since April 2025 launch

📈 User Growth (Apr-Aug 2025)

400
APR
600
MAY
1,340
JUN
20,000
JUL ⭐
20,060
AUG

💳 Transaction Volume Growth

₦2.5M
APR
₦4M
MAY
₦20M
JUN
₦22M
JUL
₦69M
AUG 🚀

💰 Revenue Model Analysis

Avg Fee/Txn
₦25
Target Txns/Yr
639M
Projected Rev
₦16B
Target: 10% of available POS market
639,567,057 annual transactions × ₦25 = ~₦16 billion
Market Opportunity
11.3 Billion
Electronic transactions in Nigeria (H1 2024)
FLEX captures value from:
POS Transactions Mobile Transfers Web Payments Float Income
08c

Corporate Holding Structure

P-UP IFS holding company with strategic investments and subsidiaries

P-UP Innovative Financial Solutions Ltd

Financial Holding Company
Strategic Investments ₦4B Valuation ₦100B Target by 2027
100%

P-UP Microfinance Bank Ltd

Core banking, deposits, lending, BaaSey platform & all 15 products

Tier 2 MFB License (CBN)
BaaSeyNIBSS NIP15 Products
Current: ₦2.5B
Target 2027: ₦50B
50%

SpaceWiFi Nigeria Ltd

Satellite internet & connectivity JV with SpaceAI (50-50)

ISP License (Pending NCC)
10K ClustersMulti-Uplink
JV Investment: ₦500M
Target 2027: ₦25B
15% (Swap)

Koinage Nigeria Ltd

Strategic share swap for payment infrastructure synergies

Payment Service Provider
Merchant Network49% Flex
Share Swap: 15% for 5%
Strategic Value
09

Strategic Partnerships

Enterprise contracts and strategic alliances driving immediate revenue

✓

Contracts Signed

CyberPay Bank-in-a-Box

Power all virtual accounts and wallets issued by CyberPay Payment Gateway

ACTIVE
Zenith Bank Core Transaction Engine

Intelligent Transaction Routing for Funds Transfers, SMS and Bills Payment

ACTIVE
Market Women's Association - Oyo State

200,000 members to be onboarded to FLEX platform

SIGNED
⏳

Pipeline & In Progress

SpacePay Payment Gateway

Power AIM Global operations with 250,000 active customers

JANUARY 2026
UBA PoS Integration

Deploy AirVend on FLEX for UBA PoS machines nationwide

FEBRUARY 2026
CyberPay & UBS PoS Expansion

FLEX AirVend expansion across PoS networks

MARCH 2026
10

Multi-Stream Revenue Model

💳
Float & Banking
  • Float Income: Interest on lock-in balances
  • Lending: 18-36% APR microloans
  • Deposits: Savings account margin
High Margin
Core MFB Operations
💵
Transaction Revenue
  • Bill Payments: 2-5% commission
  • Airtime/Data: 3-7% margin
  • VAS: Value-added services fees
Volume Based
Transaction-Driven
🔌
BaaS Licensing
  • API Access: Per-transaction fees
  • White-Label: Monthly SaaS fees
  • Enterprise: Custom solutions
Recurring
B2B Partnerships
11

Market Opportunity

Nigeria Digital Payments 2024

₦1.07Q
Total e-Payment Transactions (2024)
79.6% increase over 2023
13.9B Transactions
Annual volume (2024)
📊
₦19.4T PoS Volume
81% increase YoY
💳
311M Bank Accounts
Growing financial inclusion
🏦

Our Addressable Market

TOTAL ADDRESSABLE MARKET (TAM)
₦1.07Q
Nigeria's annual digital payment volume
SERVICEABLE ADDRESSABLE MARKET (SAM)
₦200T
SME & Informal sector transactions
SERVICEABLE OBTAINABLE MARKET (SOM)
₦2T
Year 3 target (~1% of SAM)
Realistic Year 3 Revenue Target
₦8-12B
12

Our Journey & Roadmap

From licensing to national expansion — every milestone matters

✓
Oct 2024
MFB License
✓
Dec 2024
NIBSS NIP
✓
Apr 2025
FLEX Launch
⏳
Q1 2026
450K Users
⏳
Q3 2026
ISP License
🎯
2027
National MFB
✓
Completed Milestones
✓ Tier 2 MFB license acquired from CBN
✓ Digital core banking system deployed
✓ NIBSS NIP and EasyPay integration completed
✓ FLEX platform launched (April 2025)
✓ BaaSey infrastructure deployed & operational
✓ Koinage share swap executed (15% for 5%)
✓ SpaceWiFi JV executed (50% ownership)
✓ CyberPay Bank-in-a-Box contract signed
✓ Zenith Bank CTE contract signed
✓ Market Women Association contract (200K members)
✓ AirVend pilot completed successfully
⏳
In Progress & Upcoming
⏳ Notify all banks on NIBSS Go-LIVE
⏳ SpacePay for AIM Global (250K) - Jan 2026
⚡ Activate digital channels & scale tech FUNDS
⚡ Onboard AIM Global 250K members FUNDS
⚡ Onboard 200K Market Women FUNDS
⏳ Deploy AirVend on UBA PoS - Feb 2026
⏳ Launch AirVend with CyberPay PoS
⏳ Launch FLEX AirVend with UBS PoS - Mar 2026
⚡ Acquire ISP License (SpaceWiFi) FUNDS
🎯 National MFB License by 2027
13
TECHNOLOGY -->

Technology Architecture

BaaSey Platform Stack

API Gateway Layer
RESTful APIs • Webhooks • SDKs • OAuth 2.0
Core Banking Engine
Accounts • Transactions • Ledger • Float
Payment Processing
NIBSS NIP • Cards • USSD • QR • Bluetooth
Intelligence Layer
Analytics • Reconciliation • Fraud • KYC

Performance Targets

10,000
Target TPS
99.9%
Target Uptime SLA
<2s
Response Time
14

Executive Team

Experienced leadership driving P-UP's vision

Abdul-Qawiyy Siyanbade
Chairman / CEO
Strategic vision and executive leadership for P-UP IFS
Kwesi Amanor-Boadu
Chief Financial Officer
Financial strategy, treasury management
Saffiy Siyanbade
Chief Partnerships Officer
Strategic partnerships and business development
Joseph Iruafemi
Chief Technology Officer
Technology architecture and product development
Team photos placeholder - upload images to customize
15

Use of Funds

Strategic allocation of ₦200M investment to drive growth

Fund Allocation

Technology Scale-Out40%
₦80M
Sales & Marketing35%
₦70M
ISP License Acquisition15%
₦30M
Working Capital10%
₦20M
⚡ Technology Scale-Out - ₦80M

Accommodate 450K+ new customers from AIM Global and Market Women. Infrastructure upgrade for 10,000 TPS capacity.

📢 Sales & Marketing - ₦70M

Customer acquisition, agent network expansion, brand building, and merchant onboarding teams.

📡 ISP License - ₦30M

Acquire NCC ISP license for SpaceWiFi venture (50% JV). Enable satellite internet services.

💼 Working Capital - ₦20M

Operational reserve, regulatory compliance, strategic opportunities buffer.

Strategic Goal: National MFB License by 2027
16

Financial Projections

Conservative growth trajectory based on signed contracts

Metric Year 1 (2026) Year 2 (2027) Year 3 (2028)
Active Users250,000750,0001,500,000
Transaction Volume₦50B₦300B₦1T
Revenue₦800M₦3.5B₦10B
Gross Margin45%55%65%
Valuation Target₦10B₦40B₦100B
25x
Potential Return (3yr)
5-8x
African Fintech Exit Multiple
3-5yr
Target Exit Timeline
18

Investment Option A: Equity

EQUITY
Investment Amount
₦200M
For 5% Equity Stake
Pre-Money Valuation₦4 Billion
Post-Money Valuation₦4.2 Billion
Equity TypeOrdinary Shares
Board Seat✓ Included
Anti-Dilution✓ Protected
Information Rights✓ Full Access
Projected Value at ₦100B Valuation (2028)
₦5 Billion
25x Return
19

Investment Option B: Debt

DEBT
Principal Amount
₦200M
Convertible Note / Term Loan
Annual Interest Rate48% p.a.
Loan Tenure6 Months
Interest for 6 Months24% (₦48M)
Total Repayment₦248M
Repayment StructureMonthly Installments
Monthly Payment₦41.33M × 6
Your Return in 6 Months
₦48M Profit
24% Return in 6 Months
20

Your ₦200M Investment Value

What your investment will be worth in 2 years

Today (December 2025)
₦200M
↓
Projected Value (December 2027)
₦2B
10x Return

Calculation Basis (Conservative)

Current Valuation
₦4B
2027 Target Valuation
₦40B
Your 5% Stake Value
₦2B
🎯At ₦100B (Y3): Your 5% = ₦5B (25x return)
21

Let's Build Together

Join us in building Africa's most comprehensive fintech infrastructure

₦200M
Investment Sought
5%
Equity Available
₦4B
Valuation

Why Invest in P-UP IFS?

🏦
Licensed MFB
Regulatory moat with Tier 2 license
📈
Proven Traction
Major contracts signed
🚀
10-25x Potential
₦40-100B target by 2027-28
🪑
Board Seat
Strategic involvement

Ready to learn more?

Contact: asiyanbade@pup.finance

P-UP FINANCIAL INNOVATION SERVICES

7 Ibiyinka Olorunbe Close, Victoria Island, Lagos.

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