BUILT FOR SCALE
One mobile-first platform connecting people, businesses
and financial institutions across high-growth markets.
MSTRpay combines financial technology, digital distribution and local financial
infrastructure to expand access to modern financial service.
We are not starting from zero
Our platform is live. Our international network is already being built.
Institutional relationships and structured market-entry programmes
are progressing across multiple high-growth markets.
MOBILE ACCESS
IS EVERYWHERE
FINANCIAL ACCESS
IS NOT
Across many of the world’s fastest-growing economies, mobile technology has developed
faster than traditional financial infrastructure.
Millions of consumers and small businesses still face unnecessary barriers
when receiving money, making payments, transferring funds, accessing financial
services or participating in the digital economy.
MSTRpay is built to close that distance.
Not with another isolated financial product.
With one connected ecosystem.
NOT AN APP
A PLATFORM
MSTRpay’s international expansion is no longer simply a strategy on paper.
The company has already announced institutional relationships, signed agreements and structured
market-entry initiatives across multiple high-growth markets.
Our development footprint extends across Africa and Southeast Asia, with further
opportunities being developed across Latin America and the Caribbean.
Different markets are at different stages, some have signed institutional relationships.
Some are progressing through verification and implementation. Some are in structured market
development.
Others remain under evaluation.
We make that distinction deliberately.
OUR GROWING
INTERNATIONAL FOOTPRINT
AFRICA
MSTRpay publicly announced African development already extends across West, East and Central Africa.
GHANA
Strategic institutional relationship supporting local finance-access development.
NIGERIA
Market-access relationship with local regulated financial infrastructure.
TOGO
Institutional partnership supporting West African development.
TANZANIA
Strategic relationship supporting MSTRpay’s East African expansion.
GUINEA
Structured market-entry development.
LIBERIA
Structured market development within MSTRpay’s expanding West African footprint.
CHAD
Structured market-entry development extending MSTRpay’s presence into Central Africa.
Every market process according to its own regulatory, institutional, technical and commercial readiness.
SOUTHEAST
ASIA
With approximately 705 million people, Southeast Asia representsone of the world’s
largest and fastest-developing markets for digital financial services.
MSTRpay is expanding its presence through local
representation, institutional partnerships and structured market-entry programmes.
INDONESIA
ACTIVE MOU
MSTRpay has an active Memorandum of Understanding with BMTin Jakarta, Indonesia.
With approximately 286 million people, Indonesia alone represents more than 40% of
Southeast Asia’s population and provides MSTRpay with a significant entry point into the region.
Formal market verification begins on 1 October 2026, evaluating the regulatory, commercial and
operational conditions for introducing MSTRpay’s financial ecosystem.
REGIONAL
DEVELOPMENT
In parallel, MSTRpay is in active negotiations with potential partners in
Thailand, Malaysia, Laos and Timor-Leste, extending the Company’s
market-entry pipeline across Southeast Asia.
The objective is to build a regional network market by market combining
local partnerships, regulatory alignment and MSTRpay’s scalable
financial infra-structure.
Together, Indonesia, Thailand, Malaysia, Laos and Timor-Leste
represent a potential addressable population of more than 400 million people.
INDONESIA • THAILAND • MALAYSIA • LAOS • TIMOR-LESTE
MSTRpay SMAP™
GROWING
INTERNATIONAL MOMENTUM
MSTRpay’s international platform includes
active engagement across approximately 30 countries.
4 Strategic Market Access Partnerships established
4 additional partnerships progressing
30+ countries with active engagement
The model allows multiple markets to progress
in parallel through regulated financial institutions,
local partnerships and structured market activation.
Each new SMAP™ relationship expands MSTRpay’s market
access, distribution capability and potential for long-term
recurring revenue.
THIS IS NOT A
COUNTRY LIST
IT IS A SCALING MODEL
MSTRpay uses a repeatable market development process.
IDENTIFY→ PARTNER→
VERIFY→
INTEGRATE→
LAUNCH→ SCALE
IDENTIFY
Select markets where financial-access needs, population dynamics and digital adoption create a meaningful opportunity.
PARTNER
Build relationships with appropriate local financial institutions and strategic partners.
VERIFY
Review institutional standing, ownership, regulatory position, financial capability and operational readiness.
INTEGRATE
Connect MSTRpay technology with appropriate local and international infrastructure.
LAUNCH
Introduce services when contractual, regulatory and operational requirements have been satisfied.
SCALE
Expand customers, merchants, distribution, products and regional activity.
This creates a repeatable expansion system
rather than a collection of unrelated market announcements.
TECHNOLOGY BY MSTRpay
MARKET ACCESS THROUGH LOCAL PARTNERSHIPS
REGULATED SERVICES THROUGH LICENSED INSTITUTIONS
MSTRpay does not need to recreate an entire traditional
financial institution in every country. Local institutions
already understand their markets.
They understand customers
They understand regulation
They have local infrastructure
MSTRpay adds technology,
digital distribution, international connectivity
and scalable product infrastructure.
The combination is the model
BIGGER THAN A PAYMENT APP
MSTRpay sits at the centre of a developing ecosystem
designed around the customer’s financial and digital life.
MSTRpay
The core financial platform
MSTRcash
Connecting cash-based economies
with digital infrastructure.
MSTRphone
Connecting devices designed to expand
access to the ecosystem.
MSTRconnect
Connecting users, merchants, financial institutions and infrastructure.
MSTRscore
A developing data-driven pathway designed to support
broader financial participation.
MSTRclear
MSTRpay’s anti-corruption operating framework for transparent
expansion and business execution.
Products and services that remain under the development
should be clearly identified as such.
ONE USER
ONE ECOSYSTEM
MULTIPLE SERVICES
THE DEVICE IS THE DOORWAY
In many high-growth markets, a smartphone is more
than a communication device. It becomes infrastructure.
MSTRpay’s device strategy is designed
around a simple principle:
EVERY CONNECTED DEVICE CAN BECOME AN
ENTRY POINT INTO THE MSTRpay ECOSYSTEM
ACCESS
Bring digital services closer to customers.
ONBOARDING
Create a direct pathway into the MSTRpay ecosystem
PARTICIPATION
Connect users with payments, merchants,
communication and additional services.
The device is not the destination
The device is the doorway
TECHNOLOGY DOESN’T
CREATE SCALE ALONE
DISTRIBUTION DOES
MSTRpay is developing a continuous digital growth system designed to connect market visibility with measurable customer acquisition.
CONTENT
→ DISTRIBUTION
→ VISIBILITY
→ USERS
→ DATA
→ OPTIMISATION
Market-specific content creates visibility,
visibility creates interaction, interaction creates users,
users creates data, data improves targeting and execution,
better execution supports further growth.
And the cycle continues!
BUILD
MEASURE
LEARN
SCALE
FROM A USER TO A FINANCIAL RELATIONSHIP
The MSTRpay model is not built around a single transaction.
A customer may begin with a payment, transfer account or device.
Over time, that relationship can potentially expand accross multiple services within the ecosystem.
PAYMENTS
TRANSFERS
CURRENCY SERVICES
MERCHANT ACTIVITY
MICROFINANCE
DEVICES
CONNECTIVITY
ADDITIONAL DIGITAL SERVICES
The objective is therefore not simply to maximise downloads.
THE OBJECTIVE:
BUILD ACTIVE, LONG-TERM
FINANCIAL RELATIONSHIPS
ONE PLATFORM
MULTIPLE REVENUE STREAMS
MSTRpay’s commercial model is designed
around multiple parts of the ecosystem.
TRANSACTIONS
Participation in payment and transfer activity.
FOREIGN EXCHANGE
Eligible currency-conversions and cross-border activity.
MERCHANT SERVICES
Payment and financial tools for businesses.
LENDING PARTICIPATION
Selected lending and microfinance programmes through
appropriate partners.
PLATFORM SERVICES
Technology, infrastructure and service integrations.
DEVICES & CONNECTIVITY
Commercial opportunities connected to hardware, distribution and access.
FUTURE DIGITAL SERVICES
Additional services progressively integrated into the ecosystem.
ONE CUSTOMER
MULTIPLE SERVICES
LONGER RELATIONSHIPS
MSTRclear
WE NEVER BUY A DECISION
International expansion creates opportunity, it also creates risks.
MSTRclear is MSTRpay’s anti-corruption operating framework designed to strengthen the transparency across market entry, partnerships, procurement and significant business transactions.
NO BRIBES
NO KICKBACKS
NO IMPROPER
FACILITATION PAYMENTS
NO HIDDEN
BENEFICIARIES
NO UNDOCUMENTED
BUSINESS PAYMENTS
NO IMPROPER PAYMENTS FOR
LICENCES, CONTRACTS LOCATIONS OR
COMMERCIAL ADVANTAGE
STOP →
RECORD →
REPORT →
VERIFY→
RESOLVE
Our principle is easy:
IF IT CANNOT SURVIVE TRANSPARENCY
MSTRpay WILL NOT DO IT
GROWTH AND CONTROL
TOGETHER
MSTRpay’s international development
is built around 4 principles.
REGULATORY ALIGNMENT
Regulated financial services must operate within the applicable regulatory framework.
INSTITUTIONAL VERIFICATION
Important partners and counterparties must be understood before significant implementation.
TRANSPARENT EXECUTION
Material business relationships and payments require clear purpose, documentation and accountability.
CONTROLLED MARKET ACTIVATION
Markets progress according to contractual, regulatory technical and operational readiness.
Scale without control is not sustainable!
THE NETWORK EFFECT
One market creates local opportunity.
Multiple markets create regional infrastructure.
Regional infrastructure creates cross-border opportunity.
Cross-border activity creates transactions.
Transactions create data.
Data improves products and distribution.
Better distribution creates more users.
More active users strengthen the ecosystem.
MARKET→ REGION→
NETWORK→ ECOSYSTEM
That is the larger MSTRpay opportunity
WHERE WE ARE NOW
FROM FOUNDATION
TO EXECUTION
MSTRpay has moved beyond the initial concept stage.
The company has built and developed:
A FUNCTIONING TECHNOLOGY PLATFORM
INTERNATIONAL FINANCIAL-SERVICE
INFRASTRUCTURE
A PARTNER-LED MARKET
ENTRY MODEL
INSTITUTIONAL RELATIONSHIPS ACROSS
MULTIPLE EMERGING MARKETS
A GROWING AFRICAN
DEVELOPING NETWORK
AN ENTRY POSITION
IN SOUTHEAST ASIA
A DEVELOPING DEVICE
AND CONNECTIVITY STRATEGY
A DIGITAL DISTRIBUTION AND
CUSTOMER-ACQUISITION METHODOLOGY
AN ANTI-CORRUPTION FRAMEWORK
FOR INTERNATIONAL EXECUTION
The next phase is about converting that
foundation into measurable operating scale
VERIFY
INTEGRATE
ACTIVATE
ACQUIRE
EXPAND
SCALE
CAPITAL FOR SCALE
MSTRpay’s corporate and capital-market development
is intended to support the operating business.
Access to institutional capital can accelerate:
TECHNOLOGY DEVELOPMENT
MARKET ACTIVATION
CUSTOMER ACQUISITION
FINANCIAL INFRASTRUCTURE
STRATEGIC PARTNERSHIPS
SELECTED ACQUISITIONS
PRODUCT DEVELOPMENT
GOVERNANCE
INTERNATIONAL EXPANSION
CAPITAL IS THE ACCELERATOR
THE ECOSYSTEM THE STORY
FROM CONTENT TO
CONNECTION
