Executive Summary

Brassica Pay is the digital payments arm of Brassica Group in Ghana, focused on providing secure, convenient and transparent payment and collections solutions for businesses and institutions. Through our platform, organizations can accept and make payments via mobile money, bank transfers and cards, helping to replace manual, cash‑based processes with streamlined, real‑time digital flows. As part of Brassica Group (www.brassicagroup.com), Brassica Pay leverages local market knowledge and technology expertise to address a key challenge in Ghana and West Africa: fragmented payment channels and inefficient collections that make it difficult for businesses and institutions to get paid on time and reconcile their finances. What we do Brassica Pay offers a suite of digital payment and collections solutions designed for: Businesses and SMEs – enabling customer payments via mobile money and bank channels, online and in‑person, with instant confirmation and automated reconciliation. Educational institutions – simplifying fee collection and other payments through structured, trackable digital channels. Faith‑based organizations and NGOs – making it easier to collect tithes, offerings, donations and membership dues securely and transparently. Professional associations and membership bodies – supporting recurring and one‑off payments for dues, subscriptions and events. Corporate and institutional clients – supporting bulk collections or disbursements, customized payment flows and reporting. Core features typically include: Multi‑channel collections: Accept payments via major mobile money networks, bank transfers and cards, helping organizations reach customers wherever they are. Payment links and invoices: Simple tools to create and share secure payment links and invoices, so customers can pay remotely without friction. Dashboards and reporting: Real‑time visibility over transactions, balances and settlements, plus exportable reports to support accounting, audit and management. Customizable workflows: Ability to configure collection flows and references for different revenue lines (fees, donations, dues, sales, etc.). Integration and APIs: Technical integrations that allow partners and larger organizations to embed Brassica Pay into their websites, apps or internal systems. Market opportunity Ghana’s financial services landscape is rapidly digitizing, with high mobile money penetration, growing card usage and a strong push from regulators and government toward cash‑lite, transparent payment systems. Yet many SMEs, schools, churches, NGOs and professional organizations still rely heavily on cash or manual bank processes. This creates a sizable opportunity for a focused, locally relevant payments provider that understands: How customers in Ghana actually transact (mobile money, USSD, agent networks, etc.); The compliance, KYC and reporting expectations of regulators and institutional stakeholders; and The specific operational needs of the segments we serve (education, faith‑based, NGOs, SMEs, etc.). Brassica Pay is positioned to capture this opportunity by combining: Local presence and market knowledge in Ghana; Technology designed for African payment rails, especially mobile money; and Sector‑specific solutions rather than one‑size‑fits‑all products. Competitive strengths Local focus: A Ghana‑based team that understands local payment habits, regulatory requirements and business culture. Flexible platform: Configurable solutions that can serve multiple sectors while maintaining simplicity for end‑users. Institutional backing via Brassica Group: Brand credibility and governance standards associated with being part of a broader financial services group. Partnership‑oriented: Openness to white‑labelling, integrations and joint go‑to‑market arrangements with banks, telcos and other ecosystem players. What we are looking for We are seeking both growth capital and strategic/commercial partnerships to scale Brassica Pay in Ghana and, over time, into other West African markets. Investment We welcome discussions with: Equity investors focused on fintech, digital payments, African financial services or impact investing; Investors seeking exposure to financial inclusion and digital infrastructure themes. Growth capital will be used to: Enhance platform robustness, security and scalability; Expand product features and sector‑specific solutions; Accelerate merchant and institutional client acquisition; Strengthen risk management, compliance and customer support; and Explore and execute regional expansion opportunities in West Africa. Strategic & Commercial Partners We are also open to strategic partnerships with: Banks, MFIs and savings & loans institutions – to digitize collections and disbursements for their customer base using Brassica Pay tools and integrations. Mobile network operators and fintechs – to drive more use‑cases for mobile money and digital wallets through our merchant and institutional solutions. Large merchants, school networks, churches and NGOs – looking for a more efficient, transparent way to manage their payments and collections. Technology platforms and system integrators – that can embed or distribute Brassica Pay solutions to their own clients (for example ERP/education systems, membership platforms, or NGO management systems). We are flexible in how we structure collaborations, including: Revenue‑sharing arrangements; White‑label or co‑branded payment solutions; API‑based integrations; and Pilot projects with clear success metrics. Summary Brassica Pay is building a Ghana‑focused digital payments and collections platform tailored to the needs of businesses and institutions that are still transitioning from cash and manual processes to digital channels. With the support of investment and strong strategic partners, we aim to become a leading enabler of digital payments in Ghana and, in the medium term, across selected West African markets. For more information, please visit www.brassicagroup.com or contact us to explore investment or partnership discussions.