Business Plan - System Aegis · Web viewMasterCard Worldwide, Visa Inc, China UnionPay, JCB International, PayPal, Revolut, and all Banks are our main competition. Competition is

Financial Cloud System “MIND”, Biometric API and authorization System, Pocket Bank Technology, MIND Card | System Aegis, LLC

C o n fi d e n ti a l B u s i n e s s P l a n - 1 | P A G E

System Aegis, LLC ("MIND NETWORK") Business Plan

Table of ContentsConfidentiality Agreement......................................................................................................4

Executive Summary.................................................................................................................5

Current Financial System.........................................................................................................71. Authorization..................................................................................................................................72. Authentication................................................................................................................................83. Clearing and Settlement.................................................................................................................9

Solution.................................................................................................................................101. Authorization................................................................................................................................112. Authentication..............................................................................................................................123. Clearing and Settlement...............................................................................................................13Market Opportunity & Reports..............................................................................................................14Competitive Advantages.......................................................................................................................15

The Enterprise.......................................................................................................................17Company Overview...............................................................................................................................17Legal Structure......................................................................................................................................17Company Ownership.............................................................................................................................17Location.................................................................................................................................................17Mission..................................................................................................................................................17Key Message.........................................................................................................................................17Founded................................................................................................................................................17Timeline.................................................................................................................................................17Awards..................................................................................................................................................18Patents..................................................................................................................................................18

The Business Concept and Model..........................................................................................19The Business..........................................................................................................................................19Products................................................................................................................................................19Services..................................................................................................................................................19Product Applications.............................................................................................................................20Smart Payment Card: General Description............................................................................................21Target Market.......................................................................................................................................24Revenue Model......................................................................................................................................25Goals & Objectives................................................................................................................................25Competition...........................................................................................................................................26Competitive Advantages.......................................................................................................................26


Strategy and Implementation...............................................................................................................27

Industry Reports and Market Analysis...................................................................................28Financial Transaction Processing - First Research Industry Profile........................................................28Online Payment Processing Software Developers in the US - IBISWorld Industry Report......................36Snapshot of Credit Card Processing & Money Transferring in the US - IBISWorld Industry Report........49Snapshot of Merchant Banking Services in the US - IBISWorld Industry Report....................................50Snapshot of Stock & Commodity Exchanges in the US IBISWorld Industry Report................................51Global Cryptocurrency Benchmarking Study.........................................................................................52

Marketing Strategy................................................................................................................63Marketing..............................................................................................................................................63Web Plan Summary...............................................................................................................................64Strategic Alliances.................................................................................................................................64Branding & Corporate Literature...........................................................................................................65

Key Members of the Company/Management........................................................................66Mariusz Mach, Owner, Founder, & CEO................................................................................................66Konrad Bogdan, CFO.............................................................................................................................66Kamil Mach, Chief Information Security Officer.....................................................................................66Bartłomiej Zalech, Software Engineer...................................................................................................66Bartek Jakubczyk, General Director.......................................................................................................66Dominik Christke, Chief Operating Officer.............................................................................................67Mateusz Jędrasiak, Chief Administrative Manager...............................................................................67Management Team...............................................................................................................................67Personnel...............................................................................................................................................67

Funding & Financials..............................................................................................................68Funding.................................................................................................................................................68Start-Up Costs & Expenses....................................................................................................................68Exit Strategy..........................................................................................................................................68Revenue & Expense Statement..............................................................................................................69

Conclusion.............................................................................................................................70


Confidentiality Agreement

This agreement is to acknowledge that the information provided by System Aegis, LLC (also referred to as "AEGIS MIND" and “The Company”) in this business plan is unique to this business and confidential; therefore, anyone reading this plan agrees not to disclose any of the information in this business plan without the express written permission of Mariusz Mach, Owner, Founder, & CEO.

It is also acknowledged by the reader of this business plan that the information furnished in this business plan, other than information that is in the public domain, may cause serious harm or damage to System Aegis, and will be kept in the strictest confidence.

Upon request, this document is to be immediately returned to Mariusz Mach.

___________________

Signature

___________________

Name (typed or printed)

___________________

Date

This is a business plan. It does not imply an offering of securities.


Executive Summary

Introduction

System Aegis, LLC (MIND) is a Company that offers an application and Biometric API for faster payment, transfer, verification, and a more reliable authentication and confirmation.

The business is located in the US in California and alo in Poland. The business also operates globally. The Company was Founded in 2017 and will offically launch in May of 2019.

The Company offers the first biometric authorization, confirmation, and transaction processing system and network; future successor of SWIFT, competitor for MasterCard, Visa, American Express, Union Pay and JCB and an advanced biometric FinTech banking system.

The Company founder has identified a number of critical approaches to strategic development and marketing start-up efforts, assessed alternatives, and developed a series of executable, and cohesive but independent, categories of action to aid the business in its core, overarching goals.

Many of these strategies will require an investment of time and human resources over several months to achieve their intended outcome. Projections are provided to create a framework for developing actual implementation, based on the business and marketing plan, and ultimately assessing the potential impact to the revenue streams in the plan. It is imperative that analytical tools be engaged to accurately and appropriately assess each component of the integrated development effort in order to evaluate expected return on the strategic investment against actual results.

As summarized in the following plan, the core strategies and specific tactical approaches address the major requirements of a comprehensive strategic development and start-up initiative to grow the business. This business plan encompasses both the spirit of the Company, e.g. value proposition, branding, and content design, as well as the functionalities of the


System Aegis, LLC"AEGIS MIND"

USA: 6687 Canary Pine Ave, 91737, Rancho Cucamonga, CA

Poland: Ul. Fatimska 12 Unit 29, Krakow, 31-831909-202-2249

[email protected]://systemaegis.com

Company, e.g. business plan to map out concepts, plan to map out specific strategies and tactics for development and the marketing strategies.

Purpose

The purpose of this plan is to provide the information necessary to evaluate the merits of the value proposition and growth strategy of System Aegis. Additionally; it will offer value (through products and/or services) to customers, who pay for the value with cash or equivalents. The Company will demonstrate that there is a large enough market to service; System Aegis has the effective sales and marketing strategies to grow and expand the Company. System Aegis will also demonstrate that the Company has eliminated or reduced as many variables of risk as possible.

Problem

Old technologies used in the financial and payment systems, severe middlemen, lack of safety features and expensive cost of transaction. It has been proven that current payment options are not secure and can be hacked very easily. Everyday consumer is at risk of losing not only money, but also personal data.



Current Financial System

1. Authorization


2. Authentication


3. Clearing and Settlement


Solution Instant payment, transfer, and verification instant currency exchange A more reliable authentication and confirmation method An advanced financial cloud system to make transactions with fiat, cryptocurrency and

with the stock market Pocket Bank technology, where consumer hold his assets in his phone, instead of

holding it in the external bank


1. Authorization


2. Authentication


3. Clearing and Settlement


Market Opportunity & ReportsHighlights:

Financial segment, including stock markets, NASDAQ Debit/Credit Card market - $2.96 trillion in the 2018 - Perfect Competition -

concentrated Cryptocurrency market - $760 billion in the 2018 - Imperfect Competition - fragmented Stock Market - 27.34 trillion in the 2018 - Imperfect Competition - fragmented Foreign Exchange Market - $5.09 trillion/day - Perfect Competition - fragmented

Reports & Snapshots below in the plan:

Financial Transaction Processing - First Research Industry Profile Online Payment Processing Software Developers in the US - IBISWorld Industry Report

Snapshot of Credit Card Processing & Money Transferring - IBISWorld Industry Report Snapshot of Merchant Banking Services in the US - IBISWorld Industry Report Snapshot of Stock & Commodity Exchanges in the US IBISWorld Industry Report Global Cryptocurrency Benchmarking Study


Competitive Advantages Thanks to Financial Cloud - Instant currency/stock exchange One-time CVC generator Biometric security Pocket Bank Cryptocurrency to Fiat payments Instant transactions The ability to make transactions with cryptocurrency The ability to make transactions with stock market Safety and flexibility Lowest Market Provision Fiat, cryptocurrency and stock market in one solution

Key Members of the Company/Management

Experience listed below in the plan:

Mariusz Mach, CEO Konrad Bogdan, CFO Kamil Mach, Chief Information Security Officer Bartłomiej Zalech, Software Engineer Bartek Jakubczyk, General Director Dominik Christke, Chief Operating Officer Mateusz Jędrasiak, Chief Administrative Manager

Funding

System Aegis is currently seeking funding in the amount of $2,000,000 for use in financing its general working capital requirements in the form of crowdfunding campaigns, grants, and private investors to execute its business plan for the greatest potential to secure the most desirable (“highest and best”) return.


Conclusion

The Company appreciates your consideration of this request and is confident you can enjoy a fine working relationship for many years.


The Enterprise

Company Overview

Legal StructureThe legal structure of the Company is a Limited Liability Company.

Company OwnershipThe Company is owned by 5 of the Key Members

Location 1. USA: 6687 Canary Pine Ave, 91737, Rancho Cucamonga, CA

o Access to a wider group of investors which are more open to new technologies and solutions used in them.

2. Poland: Ul. Fatimska 12 Unit 29, Krakow, 31-831

o Lower costs of operation and necessary technological facilities.

Mission “To give people the power to pay however they want whenever they want”.

Key Message“Shop with MIND”, “Live with MIND”, “MIND your business”.

Founded September 20, 2017 Launch: May 2019

Timeline 2014 – Founding of Valued E-Commerce 2014 – Small Project for Payment System 2015 – Network blockchain development 2015 – First blueprint for biometric authorization


2015 – First working authorization system 2016 – Alpha stage of Integration biometric authorization system in Valued Ecommerce

System 2016 – Alpha stage of cryptocurrency integration 2017 – Pocket bank Idea 2017 – MIND Network as Idea of the year - award 2017 – First beta tests 2018 – Team assembly for System Aegis, LLC 2018 – Founding of System Aegis, LLC - merging with Valued Ecommerce 2018 – Gomdesign joined the project 2018 – Zalech Solutions joined the project 2018 – “MIND” trademark has been registered 2019 – European Union Grants for research and development 2019 – MIND Network Beta tests 2019 – MIND Card and application distribution 2019 – Launch of the main network

Awards 2017 November - obtained "Idea of the year" Award 2017 December - STAA Award

Patents 2018 – patent for financial cloud 2018 – multiple patents for biometric authorization 2018 – patent for PIN less card transaction 2018 – patent for Pocket Bank


The Business Concept and Model

The Business System Aegis offers an application and Biometric API for faster payment, transfer, verification, and a more reliable authentication and confirmation.

The Company offers the World First access to the financial cloud, where consumer can perform high quality instant transaction with lower costs.

Products MIND Card - Biometric Payment Card

MIND Application - Pocket Bank Application

MIND Network – Transfer, Payment and exchange Network, and world first Financial Cloud

Services Access to the MIND Network

Access to the biometric API

Web Payment System

The products or services will include:

Credit Cards

Debit Cards

Cryptocurrency

Stock Market

Exchange Market

Financial Accounts


Financial Payment Systems

Product Applications Financial and banking transaction

Financial and banking authorization

Cryptocurrency transaction

Stock to fiat transaction

Healthcare

Internet of Things (IoT)

Access control and Login

Store discount cards

The products are not connected to each other, eg. Mind Card will work without the MIND Network.


MIND Payment Card: Biometric version - General Description

General Description

Smart Payment Card evolves from the financial payment card by adding a fingerprint scanner, a Bluetooth module, and an E-Ink Display along with an embedded rechargeable battery. The payment card can connect wirelessly to a smartphone while an E-Ink Display will present relevant images and information. A fingerprint scanner embedded in a card will provide an enhanced security measure to the payment system.

Features

ISO 7816-1, Type ID-1, 85.6mm(W)*54mm(H)*0.74~0.84mm(D)

Complies with Bluetooth Low Energy V4.1 standard

Fully integrated 2.4GHz CMOS transceiver

TX output Power -18 ~ +3dBm

RX Sensitivity -93dBm


E-Ink Display

MIND Card Specs


Bluetooth Low Energy technology

MIND Card will be shipped, application will be available to download, and Customer identity will be confirmed by video conference.

Target MarketThe target market is men and women age 16 years+; demographic and income does not matter as long as that person is able to use debit/credit card.

Location:

- North America - 30%- South America - 8%- Europe - 30%- Asia - 27%- Africa - 3%- Australia - 2%


Revenue Model The Company projects a gradual ramp up of sales and profits during the first year of transition to the business model.

Note: The competition charges are between 3-7% of every transaction (depends on the company).

Our charges are:

Paid version of Application

Crypto to fiat - 1.4% Stock to fiat - 2% Fiat to stock - 2% Fiat to crypto – 0.6% Fiat to fiat - 0.6% Crypto to crypto - 0.4% Stock to stock - 1.4%

Free version of Application

Crypto to fiat - 2% Stock to fiat - 2.5% Fiat to stock - 2.5% Fiat to crypto – 1.5% Fiat to fiat - 1.5% Crypto to crypto - 1% Stock to stock – 2.5%

Additional revenue:

Small non-intrusive Advertisements in the free version of application

Monthly subscription charge for paid version of the application

Biometric card sales

Data Processing revenue

Within our first 12 months of launching the Project, Company expects to reach 400,000 customers or more.


The Company’s growth opportunities are excellent.

Goals & ObjectivesSystem Aegis has definite objectives in order to fulfill its desire to participate and achieve an ever-growing market share of the exciting industry that it is entering. What follows is a brief summary of the key objectives of System Aegis:

Grants from EU for Research and development. Advertisement campaign and raising the brand awareness. Signing contracts with important companies in the financial world. Alpha tests of the product. Creating first completed product and service ready to launch live. Penetrate the market in the business of application and Biometric API for faster

payment, transfer, verification, and a more reliable authentication and confirmation. Create a new product and service. Work on our personal brand. Increase traffic in the network. Continue to develop management capabilities to ensure a strong foundation for

participation in the Company. Create a new customer service experience. Increase sales and revenue at the rates projected in this plan.

CompetitionMasterCard Worldwide, Visa Inc, China UnionPay, JCB International, PayPal, Revolut, and all Banks are our main competition.

Competition is using PIN, MIND is using biometrics and PIN-less technology Competition is using middle-man, MIND is giving possibility to pay straight for the

merchant and cut out all middlemen Competition is not offering an option to pay with stocks or cryptocurrency Competition is storing card information in the card storage, MIND is using shared

mobile/network storage which making it very secure. Competition adapt technologies to slow


Competitive Advantages System Aegis will enjoy a number of significant, competitive advantages over its competitors, including the following:

Instant money exchange One-time CVC in app generator Biometric security Pocket Bank Cryptocurrency to Fiat payments Stock to Fiat payments Instant transactions The ability to make transactions with cryptocurrency The ability to make transactions with stock market Safety and flexibility Lowest Market Provision Fiat, cryptocurrency and stock market in one solution

Strategy and ImplementationSystem Aegis centers its strategy on the premise that the Company resonates with the consumer because it offers an application and Biometric API for faster payment, transfer, verification, and a more reliable authentication and confirmation. Always keeping that in mind; the Company maintains a focus on creating positive customer relationships, while keeping expenses very modest. System Aegis is diligent in dissecting every aspect of this business to ensure that each component remains productive and contributive to the goal of a highly profitable enterprise. The Company wants to think strategically and proactively about everything the Company does so that all business actions are geared toward providing needed services for target customers resulting in sales. The Company understands that a business must think strategically about every aspect of its organization. System Aegis will not plan one strategy to play out; rather the Company will always develop strategies for all of the actions. In this way, the Company will always be implementing strategies for success in everything the Company does.


Industry Reports and Market Analysis

Reports & Snapshots below in the plan: (Related directly & indirectly)

Financial Transaction Processing - First Research Industry Profile









Online Payment Processing Software Developers in the US - IBISWorld Industry ReportThis industry comprises establishments primarily engaged in developing online payments processing software. Online payments processing software enables merchants to authorize settle and manage credit card and electronic check transactions through the internet.

The primary activities of this industry are

Developing online payment processing platforms

Developing mobile online payment processing platforms

Preventing and investigating fraud on online payment processing platforms

The major products and services in this industry are

Mobile Wallet

Online bill payment

Online payment authentication

Peer-to-peer (P2P) and money transfers














Snapshot of Credit Card Processing & Money Transferring in the US - IBISWorld Industry Report


Snapshot of Merchant Banking Services in the US - IBISWorld Industry Report


Snapshot of Stock & Commodity Exchanges in the US IBISWorld Industry Report

Global Cryptocurrency Benchmarking Study - Dr Garrick Hileman & Michel Rauchs Report - Cambridge Centre for Alternative Finance











Industry Major Players Listed in the reports.

1 Cambridge Centre for Alternative Finance


Marketing Strategy

MarketingSystem Aegis utilizes a variety of marketing methods that collectively make up the Company’s marketing strategy.

Highlights:

Online marketing: Online marketing methods will include Google Ads, Social Media Ads, Quora Ads, and YouTube Ads.

Media:Media advertising will include TV and radio short advertisements presenting our product and services.

Events:The Company will join social events like Data Governance and Compliance for Financial Institutions in Main, Germany or National Cards and Payments on Campus Conference in Scottsdale, USA.

The Company’s primary means of attracting new customers include the following:

• Advertising• Product Development • Service Development • Product Placement • Development of New Segments within the Market

Marketing Programs:

Company News Market Reports Newsletter Track Results


The marketing team will execute an integrated marketing communications strategy with the following objectives:

Generate Brand Awareness Drive Participation Drive usage and users

The marketing communications strategy will employ the following marketing activities to build effective branding and engagement initiatives.

Online Marketing Mobile Marketing Email Marketing Search Engine Marketing

Web Plan SummarySystem Aegis has a well designed website. The Company understands the increasing importance of online marketing. The management team will continually strive to have a competitive edge by maintaining a significant presence, and plans for sophisticated exposure online. It is important that those interested in finding their services will do so from online first and easily. System Aegis will apply the necessary resources to be an industry leader in utilization of the internet’s potential.

Strategic Alliances University of Technology in Opole, Poland Lion Group – one of the biggest manufacturers of payment terminals

System Aegis is constantly working to build a network of key individuals and companies that work as alliances to accomplish its major strategies. The Company is also committed to networking with any and all individuals that may have a favorable impact on the business. A great strength of this Company is its vast network of professional alliances that stand ready, willing, and able to facilitate the growth of this Company as soon as it begins to take off. The Company will be most concerned with developing concrete alliances that ensure the funding the Company needs to grow, as well as developing support systems for the businesses that facilitate their success.


Branding & Corporate LiteratureThe majority of the positioning and branding strategies as well as the creative aspects of the brands, logos, slogans, Company fonts, color scheme, etc. will be the responsibility of The Founder and team. The Founder and team will be responsible to assure that all personnel use the designated logo and brand uniformly. The advice of a web designer and graphic artist will be blended to create the best possible presentation at all levels and in all venues.


Key Members of the Company/Management

Mariusz Mach, Owner, Founder, & CEO

Expertise: Financial Technologies, Miniaturization, Innovation Experience: Owner of Valued E-commerce Corporation (15 years’ experience in finances,

money processing technologies and management) Master of Business Administration – Business/Commerce – University of London Bachelor’s - Business/Managerial Economics – London Business & Engineering School Master of Engineering - Missile and Space Systems Technology – Warsaw University of

Technology

Konrad Bogdan, CFO Expertise: Finances, Stock Markets, & Investing Experience: 4 years as a Stock Trader & 2 years as a Financial Analyst Master in International Finance – HEC Paris

Kamil Mach, Chief Information Security Officer Expertise: IT Security Systems Experience: 5 years Government Work with IT security and Safety Systems Master’s degree in Computer Science - Information Systems Security - Poznan University

of Technology

Bartłomiej Zalech, Software Engineer Expertise: IT Systems Experience: Zalech Systems – founder and owner (4 years’ experience) Master in Programming and Database Creating - University of Natural Sciences and

Humanities

Bartek Jakubczyk, General Director Expertise: Management Experience: Promoter of the e-sport events – 2 years, specialist in acquiring clients and

sponsor – 3 years, & Brand Promoter in Media – 1 year


Master in Economy – University of Opole

Dominik Christke, Chief Operating Officer Expertise: Staffing and HR Experience: Phinance S.A. – HR Manager 3 years Bachelor’s Degree – mechatronics, robotics and automation – Science University in

Bratislava

Mateusz Jędrasiak, Chief Administrative Manager Expertise: Business Administration Experience: Monnari – Business Strategist – 3 years Masters degree - Engineering Management – Lodz University of Technology

Management Team System Aegis recognizes that in any growing Company management personnel often have to fill more than one role. As a result a gap or gaps may exist until the Company is developed enough to have a specific person for every task required. System Aegis currently has everything covered and feels confident that each task is being handled competently by management. As the Company hires more people the Company will always be sensitive to this issue and prevent any weaknesses by planning a contingency program that overlaps job responsibilities.

Personnel The Company will need HR specialist, UX/UI Designer, Graphic Designer, Marketing Manager, Marketing Specialists, Android Programmers, IOS Programmers, Senior and Junior Front End Developers, Senior and Junior Back-End Developers, Database Programmer, R&D Specialists, Blockchain Developers, and a Server Administrator.

The Company is confident that the team has the experience and skills needed to grow this Company.


Funding & Financials

FundingSystem Aegis is currently seeking funding in the amount of $2,000,000 for use in financing its general working capital requirements in the form of crowdfunding campaigns, grants, and private investors to execute its business plan for the greatest potential to secure the most desirable (“highest and best”) return.

Start-Up Costs & ExpensesEXPENSES AMOUNT

Salaries & Wages $1,050,000

Electronic equipment $575,000

Insurance $15,000

Decorating $2,500

Office Supplies $2,000

Office Furniture $15,000

Cost of maintaining IT infrastructure $35,000

Licenses and Permits $20,000

Professional Fees $15,000

Marketing/Advertising $20,000

Rent/Lease Payments/Utilities $55,244

Product Manufacture $100,000

Miscellaneous $71,474

TOTAL EXPENSES $1,976,218


Exit StrategySystem Aegis is open to mergers, acquisitions, or selling in the future when the time is right.

Revenue & Expense StatementREVENUE 2019 2020 2021 2022 2023 TotalEstimated Product Sales

$1,650,000 $2,800,000 $8,000,000 $23,000,000 $45,000,000 $80,450,000

Data Processing Revenue

$550,000 $950,000 $850,000 $2,500,000 $7,500,000 $12,350,000

Service Revenue $220,000 $745,000 $2,480,000 $7,548,000 $17,845,000 $28,838,000Other Revenue $445,000 $845,000 $3,578,000 $9,450,000 $21,045,000 $35,363,000Gross Profit $2,865,000 $5,340,000 $14,908,000 $42,498,000 $91,390,000 $157,001,00

0EXPENSES 2019 2020 2021 2022 2023 TotalSalaries & Wages $1,250,000 $2,040,000 $3,500,000 $3,500,000 $4,000,000 $14,290,000Electronic Equipment $145,000 $145,000 $180,000 $350,000 $550,000 $1,370,000Insurance $25,000 $25,000 $50,000 $50,000 $50,000 $200,000Decorating $2,500 $10,000 $15,000 $15,000 $15,000 $57,500Office Supplies $2,000 $3,000 $5,000 $5,000 $8,000 $23,000Office Furniture $35,000 $35,000 $35,000 $35,000 $35,000 $175,000Cost Of Maintaining IT Infrastructure

$65,000 $150,000 $450,000 $750,000 $1,850,000 $3,265,000

Licenses And Permits $20,000 $30,000 $40,000 $50,000 $60,000 $200,000Professional Fees $15,000 $25,000 $40,000 $60,000 $100,000 $240,000Marketing/Advertising $120,000 $280,000 $700,000 $1,000,000 $2,000,000 $4,100,000Offices And Branches Construction

$0 $550,000 $1,000,000 $5,500,000 $15,000,000 $22,050,000

Rent/Lease Payments/Utilities

$153,244 $280,000 $550,000 $780,000 $1,000,000 $2,763,244

Product Manufacture $300,000 $800,000 $2,500,000 $8,000,000 $17,000,000 $28,600,000Miscellaneous $275,000 $427,300 $906,500 $2,009,500 $4,166,800 $7,785,100Total Expenses $2,407,744 $4,800,300 $9,971,500 $22,104,500 $45,834,800 $85,118,844


Conclusion

System Aegis believes that its long-term prospects for establishing and continuing a successful business are excellent. The Company believes that this industry, and the strong foundation of experience that management brings to the Company, lends itself to positive results over the long-term. With a market-sensitive management team and excellent systems in place to monitor competitive shifts or changes, System Aegis is ideally positioned to implement this business plan through the next five years to become a respected and recognized leader in the industry and to continue growing on through the next decade.

Management seeks a relationship with investors that can help System Aegis carefully grow the business in a manner which will allow the Company to provide exceptional products and services to a growing market.

The Company appreciates your consideration of this request and is confident you can enjoy a fine working relationship for many years.


Documents

Business Plan - System Aegis · Web viewMasterCard Worldwide, Visa Inc, China UnionPay, JCB International, PayPal, Revolut, and all Banks are our main competition. Competition is