Digits.io- Future of Crypto payments

1. digits
Digits ICO deck

2. DISCLAIMER
FORWARDLOOKINGSTATEMENT
This enclosed includes forward-looking statements covered by the Private Securities Reform Act of 1995 and is for
presentation only. Because such statements deal with future events, they are subject to various risks and uncertainties.
Forward-looking statements are identified by words such as "anticipates," "projects," "expects," "plans," "intends,"
"believes," "estimates," "targets," and other similar expressions that indicate trends and future events. Factors that
could cause the Company's results to differ materially from those expressed in forward-looking statements include,
without limitation, variation in demand and acceptance of the Company's products and services, general business and
economic conditions beyond the Company's control, timing of the completion and integration of acquisitions, the
consequences of competitive factors in the marketplace including the ability to attract and retain customers, results of
continuous improvement and other cost-containment strategies, and the Company's success in attracting and retaining
key personnel. The Company undertakes no obligation to revise or update forward-looking statements as a result of
new information, since these statements may no longer be accurate or timely. The enclosed presentation contains
certain confidential and proprietary information. Confidential Information shall include all data, materials, products,
technology, hardware, specifications, manuals, business plans, software, marketing plans, financial information, and
other information enclosed within and is intended for the sole recipient and/or company this was package was sent to.
The receiving Party shall not disclose, publish or otherwise reveal any of the Confidential Information enclosed within
to any other party. Nothing contained herein shall be construed as granting or conferring any rights by license or
otherwise in regards to any Confidential Information that is conveyed by this document.
digits

3. Turnanydebitorcreditcardintheworld
intoacryptocurrencycard.
digits
Digits aims to turn any credit or debit card
in the world into a crypto card. Our
technology sets out to increase the
liquidity and stability of cryptocurrency
while potentially stimulating the crypto
economy worldwide.
Our goal is to achieve this without
modification of the existing credit or debit
card networks making cryptocurrency as
easy for merchants to accept as credit and
debit cards.
.

4. Transactions In 2018
THESITUATION
4
1.5billion
CREDIT & DEBIT
CARDS WORLDWIDE
$100billion
PROCESSED ANNUALLY
BY AMEX/VISA/MASTERCARD
227billion
PURCHASE TRANSACTIONS
AT MERCHANTS IN 2015
5% will use
A CRYPTO WALLET
BY 2025

5. The Problem: No Easy Way To Pay
5
As of 2015, 95% of people
surveyed claimed to be
unfamiliar familiar with
cryptocurrencies.1
As of mid-2017, only 3 of top
500 online retailers accept
bitcoin as of 2017.2
Cryptocurrencies can take days
to settle, whereas traditional
payments are settled
nearly instantaneously.
Cryptocurrencies are
confusing
Near-zero
merchant adoption
Long
settlement times
THEPROBLEM
Cryptocurrencies can only
theoretically process around
7 transactions per second,
whereas traditional payment
systems can process around
24,000 per second.
Slow
transaction speeds
Sources: 1) https://www.pwc.com/us/en/industries/financial-services/library/consumer-
cryptocurrency-survey.html 2) https://www.bloomberg.com/news/articles/2017-07-12/bitcoin-
acceptance-among-retailers-is-low-and-getting-lower

6. 6
Works with any card in
your wallet
Seamless user
experience
Costeffectivesolutionforpaying
withcryptocurrency
Digits turns any credit or debit card in the world
into a means to pay with your cryptocurrency assets.
THESOLUTION
SupportsBTC,LTC,
ETHandXRP

7. The Digits Consumer Experience
7
HOWITWORKS
Register a credit
or debit card with the
Digits app
Connect your crypto
wallet with the Digits
app
Make a purchase with
your registered credit or
debit card
Approve larger
transactions via SMS or
Digits app
Step 1 Step 2 Step 3
Transaction is instantly
processed and secured
(collateralized) by crypto
Optionally, user can
delay tax impact and
pay later

8. Current Traditional Payment Process
HOWITWORKS
CARD
HOLDER
MERCHANT
SITE
PAYMENT
GATEWAY
MERCHANT
BANK
CARD
NETWORK
CARD ISSUER
BANK
8

9. Digits Payment Process
HOWITWORKS
FUNDS
PULLED
SMART
CONTRACT
CRYPTO
HELD
END OF
TERM
The Hedge Lending NetworkTM
generates a smart contract to
cover cost of user’s transaction
Smart Contract is backed
by a user’s cryptocurrency
as collateral
Crypto held in
custodial account for
up to 12 months
At the end of the term, the
crypto is automatically liquidated
or the user can pay off the smart
contract with fiat currency
BACKED BY
CRYPTO
Digits API transfers funds
from user’s crypto wallet to
the Digits custodial wallet
2
3
4
5
9
6
DIGITS API CALL
The key to Digits’ seamless front-end
functionality is that Digits controls what
happens after a card number is entered
into a partner platform. If it’s not a
match with the Digits Network, the
transaction is processed as usual.
INSTANT PAYMENT
IN FIAT CURRENCY

10. The Hedge Lending NetworkTM
10
LenderDigits User
Lender invests their fiat currency with the
Hedge Lending NetworkTM
(fixed rate of
return over a fixed amount of time)
Hedge Lending NetworkTM
uses Lender’s
invested fiat currency in exchange for
Digits User’s cryptocurrency-backed
smart contract
Digits User makes a transaction
using a Digits registered card
Transaction is paid for using Lender’s
fiat currency using an instantly generated
Smart Contract that is backed by the
Digits User’s cryptocurrency
THE HEDGE
LENDING NETWORKTM
Generates “instant loans”
that enable users to pay
with fiat currency, using
their cryptocurrency.

11. Benefits Consumers And Merchants
11
ü Allows payment with crypto using
traditional payment cards
ü Two-factor authentication ensures
control, hash-encrypted card numbers
provides iron-clad security
ü Hedge Lending NetworkTM
delays a
short-term taxable event
Consumer Benefits
WHYITWORKS
ü Doesn’t requires the merchant to
implement special technology
ü Doesn’t require a new merchant
agreement and still runs on the Visa,
MasterCard, Amex rails
ü Generates a new sale that otherwise
may not have happened
ü Same exact cost and settlement time
as a debit or credit card transaction
Merchant Benefits

12. Multiple Revenue Streams
12
WHYITWORKS
Merchant Payment
Processing Fee
Our average gross revenue card
processing fee is $8,000 per
$1 Million per month
Merchant Software
Platform Access Fee
A monthly fee is charged to software
platforms used by merchants for access
to the Digits platform at an average
of 10 DIG per $1 Million processed
per month
Digits
User Fees
Users will be charged ~1% to buy with
cryptocurrency as easily as a credit or
debit card - the average gross revenue
is $10,000 per $1 Million
Hedge Lending
NetworkTM
When a consumer sends Digits money
from their cryptocurrency wallet to
cover their purchase, Digits charge
10% of net gain on all smart contracts

13. A Focused Growth Strategy
13
Digits Primary Target
Merchant
Software Platforms
Payment Gateways
Payment Processors
BUSINESSDEVELOPMENT
“Digits will support a large national retailer
directly, however, Digits believes the
opportunity lies with software platforms
and payment gateways used by millions of
merchants.
With this strategy, we can keep our sales
and marketing outreach very targeted.”

14. Digits Development Roadmap
14
ROADMAP
May 2017
Digits is conceived
July 2017
Customers are interviewed
to validate market opportunity
August 2017
Competitive research is
gathered on current solution
October 2017
R & D into feasibility of
the Hedge Lending Network
December 2017
Project feasibility and
cost analysis performed
February 2018
Digits Pre ICO is launched
May 2018
Digits Launched
on RegenLabs
September 2018
Digits beta launch
February2019
All regulatory framework in
place for the Hedge Lending
NetworkTM
March 2019
Full launch the Digits
consumer application

15. The Digits Team
Ben is a world-renowned
startup technologist,
inventor, and serial
entrepreneur based in
Silicon Valley.
Ben Way
Laura is a high-energy
strategic visionary known
for proven and profitable
niche solutions in the
payments space.
Laura Wagner
Leo is an active investor,
c-level executive and board
advisor who takes start-ups
from conception into
sound, structured and
profitable ventures.
Leo Patching
Nick is a senior developer
with over 25 years of
experience designing and
building enterprise-scale
software systems and
websites with a consumer-
centric philosophy.
Nick Fallon
CEO CCO COO CTO
15
TEAM
As one of the first CFOs of
PayPal, treasurer at Silicon
Valley Bank and Director at
Blue Run Ventures, David is
recognized by the global
fintech community as a
pioneer in payments.
David Jaques
Chairman

16. The Digits Board of Advisors
16
TEAM
Kevin Harrington
Kevin pioneered the
infomercial, founded “As Seen
on TV” and was a co-founding
board member of the
Entrepreneurs’ Organization.
Bryan Feinberg
Bryan is the CEO and Founder
of Etheralabs / ChainDynamics,
a NYC based blockchain
Venture Accelerator.
David Drake
David’s investments currently
have 50+ global directors that
maintain relations with
institutions & family offices
with $1.5 trillion in assets.
Brad Yasar
Brad is an entrepreneur,
investor, mentor, and advisor
who has started and
bootstrapped several companies
from inception to maturity over
the past 20 years.
Lou Kerner
Lou is a Founding Partner at
CryptoOracle, a VC and Advisory
firm focused exclusively on
companies leveraging blockchain,
cryptocurrency, smart contracts
and decentralization
Mark C. Thompson
Mark is a best-selling author
who has advised Steve
Jobs, Charles Schwab and
Virgin Group founder Sir
Richard Branson.
Linda Perry
After 17 years at Visa,
Linda now serves as a
senior advisor to select
payment firms.
Edward Katzin
Prior to his last role as head
of worldwide retail payments
at Apple, Edward was CIO at
Revolution Money and head
of global product, strategy
and innovation at Visa.
Joe Daniels
Joe is a Partner at McCarter
English where he Co-Chairs
the firm’s Venture Capital &
Emerging Growth practice.
James Haft
James is a Founding Partner at
CryptoOracle with 30 years of
emerging markets and early-
stage fintech expertise.

17. Initial Coin Offering
17
GETINVOLVED
Revenue Share 10%
Currencies Accepted BTC, ETH, LTC
Token Name DSI
Token Purpose
DSI tokens pay for access to the Digits API which allows online merchants to
accept fiat currency payments from users paying with cryptocurrency
Supply 1,000,000,000 total (550,000,000 available in token sale)
Pre-ICO Regulation Reg D : Rule 506(c)

18. 18
Take place in the Initial Coin Offering at https://digits.io
Thanks!