Powerful yet affordable international property mortgage and other recurring payments to the Philippines.

1. The Payment Solution for Planet Earth

2. Cross-border Billing
$15B
25 different countries
From the $27B remitted
to the Philippines last
year, $15B went to
payments
( CNN – “What is driving the Philippines' surprisingly strong growth?”)

3. Cross-Border Billing
Mortgage Payments
More than 60% of properties sold in the
Philippines are purchased by expats.
Mortgage lifespan is 10-15 years with
perpetual payments on association dues.
Tuition Fees
Many support immediate and non-immediate
relatives to go to school.
Healthcare Expenses
Support for ageing parents for
maintenance, medications, checkups, &
emergencies.
Insurance/Social Security/Pension
Majority of expats still plan to retire in the
Philippines, so they continue to contribute
for their retirement and security.
Mortgage
Tuition

4. Problem: Cross-Border Billing
60% of all real estate properties in the Philippines are owned by overseas workers,
and there is a big problem for overseas owners in paying their mortgage.
Currently there is no way for most expats to pay their mortgage directly from abroad. So
they have to send money to another person through a money-transfer service and hopes he
actually makes the payment every time. This has caused numerous problems between
families.

5. Current Solutions
Indirect Payments
• Transfer money to relatives to pay on your behalf.
• No cross-border platform for bill payments.
• Terms and Conditions forbid people to use them for payments.
Direct Payment
• Allows direct payments by partnering with property developers.
• No presence in the US and other major expat markets.
• Payments made manually by filling out payment forms at physical
offices overseas. No online credit-card or ACH options.
• No invoicing, auto-pay, or recurring billing services.
Post-dated Checks
• Customers leave post-dated checks for when payments are due.
• Checks may bounce if the bank accounts are not funded in time.
• Need to continuously fund the local bank account in the
Philippines
(Post-Dated Checks)

6. Solutions – Product Functionalities
API for Integration Invoice Generator Recurring Billing
Payments aggregation
will allow Institutions to
be able to set-up an
account and accept
credit card payments
using our API with ease.
We provide white-labeled
service to
partners for seamless
payment experience.
This will allow our
partners to send
invoices to any email
and receive payments
from anywhere in the
world via credit-card and
ACH bank-to-bank.
This will enable large
businesses and
institutions to collect
payments via recurring
invoice or auto-payments
from their
clients overseas.

7. Solutions – Strategic Partnerships
PROCESSING DISTRIBUTION
Credit Cards
ACH Transfers
1,700 bank branches
12,000 payout centers
Our processing capabilities allows us to collect payments from anywhere in the world.
Funds are distributed to businesses and institutions through our localized banking partners

8. User Friendly Forms
Invoicing Recurring Billing Auto Pay

9. Qwikwire VS. Alternatives
Cross-border Payment Collection for Real Estate Developers
Money Transfer iRemit* Check
Qwikwire
Direct Collection Yes No Yes Yes
Invoicing &
Recurring Billing
Auto-Pay
Online Payment-
Credit Card & ACH
Yes No No
No
Yes
No No No
Yes Yes No No
Access to US and
Global Markets
Yes Yes No No

10. Launching - Share & Save Tool
Share & Save is the first sales lead
generating tool embedded in the payments
process flow. This tool has gained intense
interest with property developers because
next to payments, sales lead generation is
their biggest challenge.

11. Share & Save
• Additional revenue source
• Uses Facebook feed
• Free for property developers
• Two way discount structure
• Regularly scheduled ad posts

12. How it works – Receive an Invoice
Customer will
get an invoice
via email. Then
they will click
the “Pay Now”
button.

13. Payment Page
After
logging in,
they will be
redirected to
a payment
page.

14. Payment Page
Do you want a ₱100.00 discount on
this bill? Agree to post this ad on Facebook.
Yes!
- ₱100.00
No
- ₱0.00
After
clicking the
“Pay Now”
button, they
will see this
pop-up

15. Ad Post
AXIS Residences
Location: Gateway Garden Heights,
Pioneer Street
• Only 15,000 a month
• No down payment option
• Near mall and subway station
• Great schools nearby
Get a P20,000 discount on your
purchase by clicking this link.
The property developer uploads all the contents for the
ad post. They can choose whatever property they want
to promote

16. Commission Structure
Buyer = $400
= $4,000
Poster = $400
$80K
At 6% commission from the sale, Qwikwire makes $4,800 and shares it with poster
and buyer.

17. Market Addressable Size: Philippines Markets in - 2013
2015
x
$5.6B
Mortgage Payments
$400
Avg. Monthly
mortgage
1.2M
Est. Overseas
Property Owners
$9.6B
Healthcare, Insurance, and Tuition Payments
$12.5B
Total Property Sold in the Philippines per year

18. Revenue Model - Billing
+ 2.5%
FX Spread
2.9%
Credit Cards
5.4%
Revenue
=
$810M
Potential revenue
from billing in the
Philippines alone

19. Revenue Model – Share & Save
6%
Broker/Agent
Commission
$12.5B
Real Estate
Sales
=
$750M
Potential revenue from
sales commissions in
Philippine real estate

20. Revenue Potential – Real Estate/Billing
$750M
Agent
Commission
$810M
Billing
Revenue
=
$1.6B
Potential revenue in the
Philippine billing market

21. Traction
-Closed a deal with 5 property
developers to build their payments
collection platforms in 3 weeks
(20,000 units)
- and partnered with these banks:

22. Team
● Started MoneyTran, an online money-remittance service for Filipino expats
● Know-how in regulations and industry money logistics
Ray Refundo
Team Lead
● 12 years experience in fintech & payments related platforms
● Projects - PDIC, Central Bank of the Philippines, Western Union
Bing Tan
Tech Dev
● Finance & Accounting background - Senior Auditor at Deloitte
● Industries - Media & Telecom, Venture Capital, SaaS, Gaming
Scott Yu
Finance
Investors & Advisors
Founder of Searchfuse & Investor to Y-Combinator startups
Jon Edward Santillan
#1 accelerator in SE Asia. Vast network of industry experts
JFDI Accelerator

23. Marketing Strategies – Acquiring Users
Direct Partnerships
Partnerships with property developers and insurance companies
collecting bill payments from abroad as a white-listed service will
allow us to gain instant access to millions of existing customers.
Email Campaigns
Will be most effective to merchants who have already signed-up.
Referral bonuses and other incentives to share the service will be
regularly sent.
Publicity & Blogs
Will allow us to gain credibility to first time users doing research
on our service.
Social Media and SEO
Very effective conversion with online merchants. Online merchants
have dozens of groups in social media platforms.

24. Risks Mitigation
Systems Risks
SSL Certification and PCI compliance combined with industry
standard system security will minimize the risk that the
application will be damaged from attacks.
Transactional Risks (Fraud)
The system is not open to non-white listed merchants and
businesses, minimize transactional fraud to occur.
Regulatory Risks
Partnerships with larger and regulated institutions will most likely
dampen the impact from any changes in the laws.
Market/Competitive Risks
We will remain stealth by providing a white-labeled service for
our real estate clients. In addition, having an open dialog with
our clients will help us understand their process and create
value beyond direct collections.

25. Raising – $400,000
Product Development
• Current team plus hiring 1 more back-end engineer & 1 front-end
developer
Sales & Marketing
• Sales & Marketing staff will mainly consists of interns. Meal & travel
expenses will be paid for. Contractor salary will be offered after
internship based on performance)
• Sales awards & commission
• Marketing / Advertising & Sponsorship expenses
Payout Cash Reserve
• This will not be expensed but will only serve as reserve between
pending transactions and actual payout
$83,000
General Administrative & Operations
• Founders’ living expanse allowance
• Office staff, customer service, marketing team salaries
• Hosting, Utilities, Office lease and other expenses
$35,000
$170,000
$50,000
Licenses & Other Fees
• Regulatory compliance atty. fees, AML & KYC compliance, bonds
• Upgrading our underwriting account with partner banks in the US
$20,000

26. Financial Projections
2014 2015 2016
Number of R.E. Developers* 3 6 10
Number of Condo Units* 11,278 45,768 79,571
Transaction Revenue $ 2,022,790 $ 8,209,076 $ 14,272,053
FX Revenue $ 1,246,090 $ 5,057,001 $ 8,791,951
Total Revenue (U$D) $ 3,268,880 $ 13,266,077 $ 23,064,004
Cost of Processing** $ 915,286 $ 3,714,502 $ 6,457,921
Sales & Marketing*** $ 23,760 $ 47,360 $ 127,360
R&D Expense $ 64,800 $ 194,400 $ 464,800
G&A $ 143,880 $ 143,880 $ 250,480
EBIT $ 2,121,154 $ 9,165,935 $ 15,763,443
* There are almost 350,000 existing and under construction condominium units in Metro Manila. This market size represent only a
fraction of real estate market in the Philippines. Figures are from Colliers Report for real estate in prime locations in Metro Manila.
Although these figures does not represent total available residential stock in Metro-Manila, it should be sufficient to give us a solid
and conservative outlook. In addition, about 30,000 new units are built and added to the market each year.
CNN - Why are more foreigners buying condos in Manila?)
**This includes payment to the underwriting banks for credit cards and ACH transactions. Gross margin is at 72%.
***Sales & Marketing expenses mainly consist of Meal & travel for interns. Salaries are under G&A expenses