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Aragona Global || [email protected] || www.agbbank.com Professional, Modern Banking
We are your solution for professional, modern banking. www.agbbank.com
24/7 Banking. While other banks are sleeping, we are working.
Aragona Global || [email protected] || www.agbbank.com Professional, Modern Banking
Project Aragona Global Bank
Project Benefits Private banking owner, high profits, and equity/dividends
Open Shares 10,000,000 - 50,000,000
Investment Length 60 days (21 Days SWIFT Locked)
Investment Amount US$450,000 - US$1,800,000
Equity 2.5-10.0%
Investment Term 60-90 Days
Investment Yield 100% return and dividends on shares
Total Project Value US$29,000,000
Aragona Global || [email protected] || www.agbbank.com Professional, Modern Banking
Investor Summary
1. Unique opportunity to become an owner and shareholder of an offshore bank and generate 100% profits on your investment in 90 days.
2. The project will be funded via a monetized Standby Letter of Credit (SBLC) that will trade for the duration of the project’s setup and development.
3. The investor deposit will be maintained in the company account for 60 days, 21 days SWIFT locked, to generate the initial SBLC purchase. Once the SBLC is paid for, the investor funds will be returned.
4. The investment requires a minimum of US$450,000 per investor and will reserve 2.5% equity in the project for a total of 10,000,000 common shares.
5. Investor payout from the SBLCs will be 100% profit on deposited funds, paid in two payments of 50% within 3 months.
6. As a shareholder, the investor will be paid dividends on the bank’s profits per the shareholder agreement.
Aragona Global || [email protected] || www.agbbank.com Professional, Modern Banking
The Future Of BankingWe are living in a global world. At Aragona Global, we will operate 24/7 to support our partners. We provide banking to large and small fintech companies, including payment providers, brokers, gaming platforms, and online businesses.
We are seeking only the best investors and clients at Aragona Global: premium partners who are committed to our vision and the future of neo-banking and blockchain technology.
Contents5 Vision 16 Roadmap6 Mission 17-18 Growth Plan7 Project Overview8 Problems
Investment
9 SolutionsProgrammable
10 ClientsHow it Works
11 ServicesNeo-Banking
12-13 Competition
19 20 21 22 23 Summary
14 Market15 Schedule
Aragona Global || [email protected] || www.agbbank.com Professional, Modern Banking
Revolutionize the banking and payments industry with the use of disruptive technologies.
Our Vision
ü Eliminate inefficient processes, such as redundant KYC and invoices, by using blockchain and distributed ledgers.
ü Capitalize on the lack of banking and expensive payment services for thousands of fintech companies and digital merchants.
ü Streamline the banking and payments industry by creating a unique platform with programmable bank accounts.
ü Augment traditional banking with digital assets and neo-banking technology, providing the world’s fastest and most efficient bank.
Aragona Global || [email protected] || www.agbbank.com Professional, Modern Banking
Provide a regulated and licensed bank and payment provider based on digital and traditional assets, as well as a licensed crypto custodian and exchange.
Create the world’s #1 fintech banking solution.
Make payments and onboard clients 24 hours a day, with our built-in payment provider and remittance system.
Provide explosive returns for our investors and its shareholders through a unique banking solution.
Deliver a powerful platform that is fast secure and easy-to-use for clients and companies alike.
Our Mission
Aragona Global || [email protected] || www.agbbank.com Professional, Modern Banking
Fully licensed and regulated bank based on cutting-edge online banking technologies.
GROWTHBanking platform and licensing provides regulation to establish a funding platform for new projects.
REALTIME
Faster transfers – minutes, instead of days as with traditional banking.
Direct and instant payments to providers with.
ANYTIMEAvailable 24/7, serving partners in any time zone.
PAYMENTS
SIMPLIFIED
Overview
Programmable bank accounts with exchange technology. 100% web- and mobile-compliant.
ØLower cost payments for greater markup potential and eliminate competition.
ØOnboard more clients around the globe and process more transactions.
ØReduce prepayments and utilize capital for growth and income.
ØHuge potential income from venture capital and share holding.
ØMerchants can create custom solutions virtually eliminating the need for other payment services.
Aragona Global || [email protected] || www.agbbank.com Professional, Modern Banking
Many fintech companies, brokers, exchanges, gaming companies, and online merchants are considered too high-risk for many banks; instead, these companies are forced to rely on expensive PSPs.
Broken BankingIndustries with high daily turnover are
considered high-risk and cannot obtain
sufficient banking; instead, they must rely on
expensive PSPs.
Proof of Payments and OwnershipPaper-based invoices and human error in
billing are fairly common, and many
companies lack proof of funds, payments,
and ownership.
Costly and Inefficient Compliance ProgramsThese expenses erode profit margins and
increase costs to clients. Loss of bank
accounts possible.
Expensive PaymentsPayments that costs as much as 17%.
The average cost in 2018 to send
money from G20 countries was
recorded at 7.46%.
No Realtime PaymentsBanks operate on local time during
business hours, not supporting
international clients. They utilize outdated
systems such as SWIFT.
1
Market Problems
4
2
5
3
6
.
Closed SystemsLegacy online banking provides a closed
manual interface. Payment, trading
platforms, and exchanges provide various
closed APIs.
Aragona Global || [email protected] || www.agbbank.com Professional, Modern Banking
With a wide array of financial and non-financial use cases, blockchain is often considered as a solution to almost any problem in the banking industry. With Aragona Global Bank, we will make this a reality.
Our Solutions
State-of-the-Art BankingIntegrated fiat e-wallets with digital
assets, card processing, and crypto
exchange.
Smart ContractsPrivate or public smart contract ledgers to
track payments, proof of funds/escrow,
and proof of ownership.
Built in KYC/AMLKYC/AML and compliance standards are built
into the banking platform APIs.
Programmable AccountsProvide direct access to all services. Reduce
labor costs and time for processing clients,
payments and transactions.
Around-the-Clock Cross-Border PaymentsOpen 24/365. Companies can send on-demand
payments around the world and secure a
greater share of cross-border clients.
Reduce FeesReduce high-cost fees by eliminating redundant
processes and third-party processing.
Aragona Global || [email protected] || www.agbbank.com Professional, Modern Banking
Banking Gaming Industry Crypto Exchange Brokers MerchantsBanking and built-in PSPs
for clients and payouts, including digital payments
and rewards.
Payments ProviderCard services and crypto
payments, with programmable accounts.
Automated fiat-to-crypto conversion and payouts. BTC, ETH, USDT, XRP, and more.
Brokers can use client deposits and partner
payments.
Merchants can use programmable accounts
and payments to integrate into their CMS and CRM.
Banking services include loans, card services, and traditional bank transfers.
Our Clients
Aragona Global || [email protected] || www.aragonaglobal.com Professional, Modern Banking
Our Services
PaymentsPayments, mobile and card
processing connected to your bank account.
ExchangeBuilt-in crypto payments and
exchange for merchants.Support all major Cryptos.
Venture Capital
Banking PlatformLaunch banking products to
support our high-turnover clients: brokers, exchanges, fintech, and others. Integrated KYC and AML.
Trading PlatformMulti-asset platform with
programmable APIs (WEB, FIX4.1).
ProgrammableSupport custom solutions for
fintech and other online merchants and businesses.
Mobile
INVESTMENT
VENTURE CAPITAL
CRYPTO EXCHANGE
PSP
KYC/AML
BANKING
ACCOUNTS
11
Fundraising platformand launch pad for new
businesses and investors.
Aragona Global || [email protected] || www.aragonaglobal.com Professional, Modern Banking
Trading Platform
Interbank Transfers
Card Services
Integrated Payments
Bank Loans
Crypto Exchange
Programmable Bank
24/7 Operation
Fundraising
Smart Contracts
Margin and Liquidity
Advanced Mobile App
Integrated Compliance
Competitive Advantage
Aragona Global || [email protected] || www.aragonaglobal.com Professional, Modern Banking
Blockchain Students Freelancers
Students
Millennials Kids
Digital Banking B2B-Debit
Credit
Underbanked/Unbanked
Home Owners Business Focus Funding
SMB/SMEs
Expense Management
Tech Startups
Freelancers
Digital Banking Payments
Credit/Debit Fund Raising
Trading and Investing Blockchain
ü Digital banking with multiple currencies ü Currency exchange services ü All features online or via mobile appü Programmable accounts
ü Automated and Scheduled Paymentsü Gateway Services and Card Processing ü Interbank Transfers Internationalü Wire Transfers
ü Visa / MC / JCB / AMEX Paymentsü Union Pay (UPAY) Paymentsü Deposit and Checking Accounts ü Debit and Credit Cards
ü Investment Products and Term Depositsü Bonds, Notes, and Mutual Fundsü Leveraged Products and CFDsü Liquidity Provider Services
ü Crypto PSP Services & OTC Exchangeü Crypto Exchange and Trading platform
ü Support Crowd Funding and Venture Capital Companies
ü Integrated Customizable Platformü Donation Handling Services and Non-profit
Organizations
Business Focus
ü Merchant Services ü Budgeting and Expensesü Business Loansü Paymaster API and Services
ü Escrow and Fund Holding ü Accounting and Tax Support ü Business Banking Mobile App ü Integrated KYC for Merchants
Competitive Advantage
DISRUPTIVE FINTECH
Aragona Global || [email protected] || www.agbbank.com Professional, Modern Banking
Capitalize on the growing fintech, crypto and gaming industries’ needs for new, faster and more powerful banking and payment solutions.
Be one of the first to provide neo banking solutions for Africa and many parts of the developing world.
Market Potential
The global digital remittance market is expected to reach US$8.6B by 2025
US$5 trillion is traded on average every day in global forex industry.
300+ payment providers charging anywhere from 2% to 12.5%
TransferWise and others created a market by undercutting banks on costs. They rely on old banking technologies and do not support the financial or gaming industries.
Consumer spend in Africa’s 18 megacities is predicted to reach US$1.3T by 2030.
58% of the world’s mobile money accounts are registered in Sub-Saharan Africa.
80% of people living in Africa lack banking.
Fintech is set to grow to US$3B from US$200M by 2020 in Sub-Saharan Africa alone!
Aragona Global || [email protected] || www.agbbank.com Professional, Modern Banking
DECEMBER 2019
JANUARY 2020
APRIL 2020
MAY 2020
MAY 2020
FUNDRAISING COMLPETED
APPLICATION SUBMITTED
DEVELOPMENT BEGINS
BANKING FACILTY SET UP
BANK LICENSED OBTAINED
Fast Track
Pro-fintech government will fast-track the license
application and approval as part of their growth plan.
DevelopmentCommercial banking software will be integrated first, then advanced features will be added for steady
growth.
BankingCore banking services will
be launched to provide income and immediate
investor returns.
Key events leading up to bank setup, licensing, and launch.
Schedule
Aragona Global || [email protected] || www.agbbank.com Professional, Modern Banking
Six-quarter company roadmap showing key events and milestones
Roadmap
2021 Q2• Payment service launches• Payment APIs, CRM, and CMS
plugins available
2021 Q1• Programmable bank accounts added• Platform upgrades
2020 Q2• 24/7 banking starts• Card processing starts
2020 Q2• Licenses obtained• Bank software procured and
set up• Development begins
2020 Q4• Exchange launches• Exchange API available
2021 Q3• Trading platform launches• Margin and liquidity added
Assets: US$25M+1,000 transactions / day+50 Clients
Assets: US$45M+3,000 transactions / day+150 Clients
Assets: US$75M+4,000 transactions / day+200 Clients
Assets: US$120M+4,500 transactions / day+220 Clients
Assets: US$165M+5,000 transactions / day+250 Clients
Aragona Global || [email protected] || www.aragonaglobal.com Professional, Modern Banking
SBI Ltd
Ten-year growth estimates of assets under management
Growth Plan
17
$0
$200,000,000
$400,000,000
$600,000,000
$800,000,000
$1,000,000,000
$1,200,000,000
Banyan Tree
ABC Banking
Bank of Baroda
Manu Bank Ltd
2021 2022 2024 2026 2029
Aragona Global || [email protected] || www.agbbank.com Professional, Modern Banking
Brokers, exchanges and financial service providersUS$ 600M
Gaming, Merchants and Payment/Remittance Providers.
US$ 300M
Venture Capital can provide for significant returns on investment.
US$ 75M
Research and Development projects for fintech,Blockchain and XRP.
US$ 25M
Aragona has set a goal of US$1 billion in assets under management by the year 2029.
Growth Plan
Aragona Global || [email protected] || www.aragonaglobal.com Professional, Modern Banking
Total investment and development costs, including first-year salaries.
Investment
21
Legal Costs $3,000,000
Consultancy fees $2,500,000
Bank Application $500,000
Setup Costs $4,674,695
Salaries in Year 1 $1,706,695
Software Purchases/Licenses $1,000,000
Platform Development $1,170,000
Facilities $798,000
Minimum Capital Requirement $11,400,000
Tier I Capital $10,000,000
Operating Capital/Loans $7,500,000
Margin/Liquidity $2,500,000
Total Costs $29,074,695
Fund Raising Goal $29,074,695
Tier 1 Capitalreturned to investors when bank assets reach US$150M.
Minimum Capitalcan be kept in investors own blocked accounts.
Tier 1 Capitalnot required for license.
Aragona Global || [email protected] || www.agbbank.com Professional, Modern Banking 22
Programmable BankingHow can clients use our programmable banking?
ü Integrate directly into your back office or CRMü Linked to your exchange and card accounts accountsü Generate custom statements, invoices, and billing
ü Create your own remittance or payments serviceü Accept Visa/MC and crypto to your bank accountsü Provide automated rebates and rewards to clients
ü Deposit in fiat (USD/EUR/GBP), crypto, or cardsü Automatically send paymentsü Automatically distribute incoming deposits to various
digital wallets
ü Markup on services or productsü Markup by client typesü Automatically provide volume discountsü Integrated KYC and AML
Automated Banking
Convert and Pay Features
Payment Service
Aragona Global || [email protected] || www.agbbank.com Professional, Modern Banking
How it Works
PAYER AGB
FIAT/EOFC/CRYPTODEBIT/ATM
Fiat accounts
Crypto
BANK ACCOUNT
CARD PROCESSING
EXCHANGE WALLET
PAYOUTSConvert and pay out
CRYPTO
MOBILE
VISA/MC
FIAT WITH SWIFT
MOBILE
CRYPTO
FIAT WITH SWIFT
1 2 3 PAYEE
Instant deposits, withdrawals, payments, and exchanges with mobile app.
One bank account with so many options.
CONVERTPAYMENTS PAYOUTSAccept any payment type or
combination Convert and store in your
walletsAutomated, manual, or
scheduled payouts
Aragona Global || [email protected] || www.aragonaglobal.com Professional, Modern Banking 24
Neo-Banking
ü Automated and efficientü Bank transfers acceptedü Crypto and cards processed with PSP APIü Funds stored in fiat, crypto, or bothü One Account
Built-In PSP API
EUR
PSP
Cash
CLIENT/MERCHANT
OUT
IN
Card/Crypto FEES
SWIFT
Integrated payment and crypto provider.
BANK
CLIENT
MERCHANT
Credit Card
(minutes)
PSP
2-5DAYS
SWIFTFEES
3rd Party PSP
Slow, complex and manualFees and KYC at every step Takes days to deposit to your accountRequires expensive PSP and exchange serviceMany accounts
BTC
Exchange2-5DAYS
SWIFTFEES
EXCHANGEFEES
SWIFTExchange/Pay/Remit
Aragona Global || [email protected] || www.aragonaglobal.com Professional, Modern Banking
Summary
Investment
Schedule – Fast-Tracked
ü Investment begins in December 2019
ü Project starts January 2020
ü Bank license issued 3-4 months after application
ü Operations begin after licensing
Income Sourcesü 24/7 Banking Transactions
ü Card Processing and Mobile Pay
ü Growth and Investing
ü Exchange Service
ü Payment and Remittance
Project Funding
ü US$7.6M setup and license
ü US$11.4M capital requirement (400M MUR)
ü US$10M Tier I capital – returned (US$150M Assets)
ü US$29M total project
ü 100% profits on your investment in 90 days.
ü Minimum of US$450,000 per investor to reserve 2.5% equity
ü Project funded via a monetized Standby Letter of Credit (SBLC)
ü Investor deposits funds for 60 days, 21 days locked and then refunded
Aragona Global || [email protected] || www.aragonaglobal.com Professional, Modern Banking
JOIN THE FUTURE OF BANKING
www.aragonaglobal.com
aragona.bank+357-95117479 [email protected]