EQPay Finance.

Investor Presentation

Stablecoin Liquidity & Settlement

Powering B2B2C
Payments.

Next-generation stablecoin liquidity and direct mobile money endpoints for corporate settlement across Uganda and African emerging markets.

Market Focus

East Africa & Remittance Corridors

Confidential

Seed Round 2026

The Problem

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Cross-border settlement in Africa is fragmented, slow, and prohibitively expensive for modern commerce.

Excessive FX Markups

Traditional channels levy 3% to 5% markups on currency conversions (e.g., USD/UGX or regional corridors), cutting directly into B2B margins.

Multi-Day Settlement Delays

B2B transactions routing through correspondent banks take 24 to 72 hours, introducing massive liquidity risks and tying up operational capital.

Lack of Modern B2B APIs

No developer-friendly local interfaces exist for programmatic treasury routing, forcing operations teams into slow, manual portal management.

Liquidity Imbalance & Controls

Intra-African capital controls combined with localized dollar scarcity make it difficult for multinational businesses to move and pool their treasury float.

"The average cost of sending money within Africa remains the highest globally at 8.2%. Businesses pay double when managing regional supply chains."

The Solution

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A single, high-performance API linking stablecoin liquidity networks to regional payment channels.

Instant, Multi-Chain Stablecoin Rails

Support for USDC and USDT settled natively across low-fee networks (Base, Celo, Polygon, and TRC20). Settlements clear in seconds, eliminating routing delays and currency volatility.

Direct Mobile Money On/Off Ramps

Native telecom integrations in East Africa (MTN MoMo and Airtel Money) enable automated local currency liquidations. No bank accounts required for local delivery.

Locked Quotes & Transparent Pricing

Proprietary pricing engine aggregate global order books to guarantee locked exchange quotes, reducing cross-border FX costs by up to 90% vs. traditional banks.

90%

Cost Reduction

< 1 min

Settlement Speed

24/7

Liquidity Access

Products & Services

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EQPay App (Consumer Gateway)

Custodial Mobile Wallet

A secure mobile application designed for retail on/off-ramp activity. Users buy, sell, and store stablecoins (USDT/USDC) directly using MTN MoMo and Airtel Money.

• Instant Mobile Money Ramps
• Zero Deposit Fees
• Safe Multi-Chain Withdrawals
• Built-in KYC Compliance

Liquidity Provider API (B2B)

Enterprise-Grade Gateway

Our core developer product enabling fintech platforms, multi-national merchants, and payment operators to programmatically embed stablecoin-fiat swaps.

• REST API & Webhook Payouts
• Real-Time Guaranteed Quotes
• Automated Bank/Telco Routing
• Deep Liquidity Execution

OTC & Corporate Desk

High-Volume Settlement

Dedicated trading desk servicing import/export corporations, regional treasury desks, and institutional clients needing high-volume ticket executions.

• Dedicated Relationship Managers
• Sub-Percent Fees on High Tickets
• Dubai-Uganda Corridor Focus
• Deep Treasury Clearing Pools

All products run under our unified security & compliance routing layer.

Market Opportunity

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TAM

$120B+

Sub-Saharan B2B Settlements

SAM

$15B+

East African Trade Corridors

SOM

$2.5B+

Uganda B2B Liquidity Market

Regional Macro Tailwind

33.7M

Active Mobile Accounts (UG)

$1.4B+

Annual Remittances to UG

Uganda is one of the fastest-growing mobile money ecosystems globally, with registered accounts surging to 33.7 million by Q1 2026.

The market is driven by low-value, high-frequency consumer transactions that must now connect to global capital. EQPay sits directly in the middle, enabling frictionless fiat-to-stablecoin routing at scale.

Why Now?The integration of regional payment networks with global stablecoin liquidity creates an immediate opportunity to capture high-value corporate treasury and remittance flows, circumventing traditional, slower financial structures.

Traction & Milestones

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Demonstrated commercial proof and structural scaling during our initial launch phases.

Processed Volume

$1.2M+

Processed during pilot desk phase

Waitlist Signups

1,500+

Organic consumer signups on waitlist

Operator integrations

2 / 2

Direct endpoints to MTN & Airtel Money

Compliance Stance

Sandbox

Engaging sandbox framework alignment

Key Corporate Partnerships secured

Fintech Aggregators

Direct API integration agreements.

Dubai FX Brokers

Secured matching liquid corridor nodes.

Data audited and updated as of May 2026.

Business Model

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Multiple monetization layers built on top of high-frequency liquidity movement.

OTC Swap Margins

We capture a transparent markup of 0.5% to 1.2% on exchange volume processed through our consumer and corporate portals.

API Subscriptions

Tiered pricing models for enterprise API integrations. Monthly platform support fees combined with volume discount transaction fee tiers.

Fiat Ramping Fees

Micro-processing transaction fees applied directly to withdrawals routing to mobile network operators (MTN and Airtel).

Treasury float Yield

Securing yield allocations on tokenized short-term debt and stablecoin cash equivalents held in our regional escrow settlement accounts.

Unit Economics Target: >1.5% Gross MarginScalable without manual intervention

Competition & Moat

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Feature	Traditional Banks	Fintech Wallets	EQPay Finance
Settlement Speed	1 - 3 Days	Hours	< 1 Minute
Exchange Fees	3% - 5%	1.5% - 2.5%	0.5% - 1.2%
B2B API Integration	Poor / Manual	Retail Only	Full REST & Webhooks
Multi-Chain Rails	None	Single Chain	Polygon, Celo, Base
Local Operator Nodes	Third-Party	Third-Party	Direct APIs

Our Defensible Moats

Direct Telco Direct Connection

We do not route through third-party intermediaries, giving us superior uptime and pricing flexibility.

Regulatory Sandbox Lead

Active engagement with Bank of Uganda guidelines positions us ahead of foreign-headquartered firms.

*Competitor comparisons are based on public pricing models as of Q1 2026.

Technology & Security

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Institutional Key Management

We utilize Multi-Party Computation (MPC) schemas coupled with physical Hardware Security Modules (HSMs) to protect our primary digital asset pools. Single points of failure are entirely eliminated.

Automated AML / KYC Routing

Real-time blockchain analysis integrated with on-chain address monitoring engines to flag, isolate, and block suspicious inflows prior to local currency liquidations.

Multi-Chain Routing Layer

Proprietary microservice network routing transactions dynamically across gas-efficient layers (Polygon, Base, and Celo) to secure maximum speed and negligible overhead.

Direct MNO API Aggregation

Low-latency, direct websocket endpoints into regional telecom networks (MTN MoMo and Airtel Money) guaranteeing immediate deposit notifications and fast withdrawals.

AES-256 & TLS 1.3 Compliant•99.9% API Uptime Target

Investor Roadmap

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Q12026

Consumer Rails MVP (Uganda)

Goal: Launch the EQPay App as the primary distribution layer for settlement.
Deliverables: Custodial wallet (UGX, USDT, USDC) • Buy/sell USDT & USDC • MTN MoMo deposits/withdrawals • Stablecoin deposits/withdrawals • Transaction history & receipts • Admin dashboard.
Milestone: Live product and first settlement volume on the platform.

Q22026

Platform Hardening (Scale + Controls)

Goal: Institutional reliability and compliance readiness.
Deliverables: Tiered KYC & transaction limits • Locked quotes & pricing engine • Automated reconciliation • Risk monitoring & flagged transaction workflows • Support and dispute management • Improved uptime and settlement speed.
Milestone: Reliable settlement rails ready for higher-volume clients.

Q32026

Corridor Expansion (Dubai ↔ Uganda)

Goal: Capture diaspora settlement and remittance flows.
Deliverables: Corridor-specific settlement flows • Beneficiary management & delivery confirmation • Transparent fees and FX • Higher limits for verified users and businesses • Liquidity routing & corridor pricing controls.
Milestone: Strong Dubai ↔ Uganda corridor volume with repeat usage.

Q42026

Regional Growth (East Africa)

Goal: Expand settlement coverage beyond Uganda.
Deliverables: Kenya payouts (M-Pesa) • Tanzania payouts • Rwanda payouts • Multi-currency wallet capability • Regional corridor routing & pricing engine.
Milestone: Multi-market settlement footprint across East Africa.

Year2027

B2B Platform & Infrastructure

Goal: Scale EQPay Finance into a settlement infrastructure provider for businesses.
Deliverables: Partner API for payouts and collections • Bulk disbursements & business accounts • Treasury and settlement tools for fintechs and merchants • Institutional liquidity integration (OTC desk) • Africa ↔ Asia ↔ Europe settlement corridors.
Milestone: EQPay Finance recognised as a business-facing settlement infrastructure platform.

EQPay Finance Limited (Trading as EQPay Finance)

Leadership Team

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Ashimwe Brian

Chief Operations

Visionary leader driving financial inclusion.

Mukunde Brisa

Head of Product

Architecting seamless financial rails.

Muhindo Galien

Technical Director

Leading secure infrastructure development.

Daniel Kimotho

Senior Advisor

Strategic guidance on stablecoin rails.

Nicholas Ssali

VP, Forex & Markets

Expert in treasury and FX markets.

Barry Ainomugisha

Compliance Officer

Ensuring regulatory excellence.

Global Experience Our team brings together years of execution experience across East African regulatory frameworks, FX desks, and enterprise system deployments.

The Ask

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Raising $200,000 Seed

To accelerate our licensing timelines, launch our B2B Liquidity API, and fund primary corridor market maker liquidity pools.

30%

Product & Engineering

API Scaling & Multi-Chain Integrations

25%

Legal & Compliance

East African PSP Approvals & Legal Structuring

45%

Liquidity

Dubai-Uganda Corridor Market Making

Kampala, Ugandahello@equatorfinance.cowww.equatorfinance.co

Borderless. Instant. Secure.

Powering B2B2C Payments.