bitwala.com 1 Blockchain Fulfilling the FinTech promise Fintech Inn 2019 | v1.0 | DISCOVER BLOCKCHAIN IN FINTECH> 27th Nov. 2019 27th Nov. bitwala.com 2 What is the FinTech Promise? To make finance BETTER By improving the DELIVERY and USE of financial services Fintech Inn 2019 | v1.0 | 27th Nov. 2019 27th Nov. bitwala.com 3 Focusing on the Delivery UX + UI - Focus on online services vs. branches - Making banking simple + easy to understand - Speed - Personalization Fintech Inn 2019 | - Gamification (saving goals) v1.0 | 27th Nov. 2019 27th Nov. bitwala.com 4 Focusing on the Delivery UX + UI Are they- Focus fulfilling on online services vs. branches the FinTech- Making promise? banking simple + easy to understand - Speed - Personalization Fintech Inn 2019 | - Gamification (saving goals) v1.0 | 27th Nov. 2019 27th Nov. bitwala.com 5 Focusing on the Delivery UX + UI Repackaging of existing- Focus on online services vs. branches - Making banking simple + easy to services.understand - Speed - Personalization Fintech Inn 2019 | - Gamification (saving goals) v1.0 | 27th Nov. 2019 27th Nov. bitwala.com 6 Focusing on the Use Technology + Processes - Innovative problem solving - Disintermediation - Infrastructure - Blockchain - Protocols - smart contracts Fintech Inn 2019 | v1.0 | 27th Nov. 2019 27th Nov. bitwala.com 7 Focusing on the Use Technology + Processes Are they- Infrastructure fulfilling - Blockchain - Innovative problem solving the FinTech- Protocols promise? - smart contracts - Disintermediation Fintech Inn 2019 | v1.0 | 27th Nov. 2019 27th Nov. bitwala.com 8 Focusing on the Use Technology + Processes They are actually - Infrastructure - Blockchain disrupting- Innovative problem solving financial- Protocols services. - smart contracts - Disintermediation Fintech Inn 2019 | v1.0 | 27th Nov. 2019 27th Nov. bitwala.com 9 Blockchain will Truly Disrupt Finance Cost reduction Truly Global Trustless Direct transactions Unlimited liquidity Decentralised (Peer to Peer) consensus Reduction of Low threshold to Integrity - not intermediaries access changeable Fintech Inn 2019 | v1.0 | Divisibility Inclusivity No double-spending 27th Nov. 2019 27th Nov. bitwala.com 10 A Multi-Billion Market Trends The number of crypto users doubled amidst market downturn 1 The World Economic Forum forecasts that 10% of our global GDP will be stored and transacted on blockchain by 2027 2 Millennials have a preference for investing in digital assets 3 The market size of alternative financing methods in Europe already reached a size of $6 billion 4 Open finance lending is thriving, the top players have collectively already reached more than $1 billion in 2018 alone 5 Fintech Inn 2019 | 6 v1.0 53% of businesses rate blockchain technology as one of there top 5 priorities | Cambridge Centre for Alternative Finance 2018 1 World Economic Forum, Global Agenda Council on the Future of Software & Society, Survey Report (09/2015) 2 Finder (2018) Why haven’t we all bought cryptocurrency yet? 3 Mortgages in Europe - Statistics & Facts 4 27th Nov. 2019 27th Nov. Lenders Are Thriving on Bitcoin’s Bust by Aiding Both Fanatics and Shorts 5 Deloitte, Deloitte's 2019 Global Blockchain Survey (2019), N= 1.368 (global enterprises) 6 bitwala.com 11 Unlocking the Value of Blockchain Based Finance Traditional Finance Blockchain Finance Bitwala Gateway Tokenized Bank account asset providers Debit Card DeFi protocols Savings + Cryptocurrencies Credits Users KYC + AML Traditional bank accounts Tokenized assets e.g. real estate, Prop. trading Fintech Inn 2019 gold, stocks | -> trust and regulatory safety Taxation tool v1.0 | Debit cards daily payments and Open finance/ decentralized finance (DeFi) e.g. lending [interest on Bitcoin + EUR] cash withdrawals Fast liquidity 27th Nov. 2019 27th Nov. Savings and Credits Safety of funds Cryptocurrencies for Trading and Payment (FIAT & Crypto) bitwala.com 12 The World’s First Crypto Account Tradable, Usable, Secure Free Bank Account & Debit Card EUR funds protected by regulation Fintech Inn 2019 | Wallets with user-held keys - self-custody v1.0 | Trades settled in 60 minutes or less 27th Nov. 2019 27th Nov. Serving all EEA Residents bitwala.com 13 Executive Team Benjamin CEO & CTO Jan CCO Christoph CFO Philipp CMO Team of 48 Jones Co-founder, MD Goslicki Co-founder, MD Iwaniez MD Beer Backed by Kaspersky Open Innovation Summit Kaspersky Open Innovation | v1.0 Awarded | Oct. 2019 bitwala.com 14 Thank you Bitwala.com [email protected] Fintech Inn 2019 | v1.0 | Bitwala GmbH Ohlauer Str. 43 10999 Berlin 27th Nov. 2019 27th Nov. GERMANY.