1.
Exchange money at the True Exchange Rate

2.
International Travelers
lose an estimated 8 to
15% when changing
currency.
Problem

3.
Today’s Solutions
Expensive Fees
at Airport
Slow and
Inconvenient
Hidden Fees Limited
Currencies

4.
Exchange travel money at the
True Exchange Rate anywhere in
the world and spend with your
Kruma Debit Card.
 Pay as you go plan with capped ATM
withdrawal limits at $150 a month ($1 per
withdrawal after)
 Premium plan at $9.99 a month with
extended limits and benefits
 1% Fee maximum on all Currency Exchanges
(waived on premium plan)
 2% fee to withdraw cash to a Mobile Money
like MPesa or MTN Money (waived on
premium plan)
 4% fee to pickup cash via Kruma Vendors (in
select regions) (2% on premium plan)
Our Smart Solution

5.
Download the Free
App, Add Money with
a bank transfer, card
and Exchange
Request your Free Kruma
Virtual or Plastic Debit
Card to spend when
abroad
Don’t have your Kruma
Card? Get Cash now with
Kruma Vendor Partner
How it Works

6.
Ali Farah
Co-Founder
1st generation Somali-American
immigrant. Spent 7 years at Morgan
Stanley leading the Digital line of
business for operations on the Wealth
Management side
Theo Denanyoh
Co-Founder
1st generation Ghanaian-American immigrant.
Spent 5 years at Morgan Stanley in Digital on
the Wealth Management side and 2 years at JP
Morgan Chase in retail Risk
Our Team

7.
$5.1T
Currency Traded
Worldwide daily
$246B
Spent by 75.6M
Travelers to US only
$49B
Currency Exchange Fees in
US
Source : Broker Notes Source : National Travel &
Tourism Office
Market Opportunity

8.
Competitors
The Big Banks and
companies are expensive
with no fee transparency
Not enough currency
options and not solving
problems for migrant
communities.
Kruma is the future of fiat and
cryptocurrency exchanges.
We are on a mission to make
exchanging money convenient
and affordable!

9.
Why we are better
Convert currency at the
True Exchange Rate by
Kruma
The most convenient suite
of solutions. It’s your
money, don’t wait for it to
be mailed – access it now!
Affordable, easy to
use and access to
multiple currencies
using BTC, ETH,LTC.

10.
Financial Projection
We need $1M for a product launch in
July 2018 and to give us 12 months of
runway to:
 Build a Product, Development
and Marketing team
 Grow users base to 35,000
Monthly Active Users (MAUs)
 Build out our cryptocurrency
technology to reduce transaction
costs.

11.
Join us to bring affordable
currency exchange to world
Web – www.kruma.co
Email – ali@kruma.co & theo@kruma.co
Check out our prototype