Executive Summary

1.4 billion unbanked globally, 38 million in Nigeria alone. ZerôPâŷ Money, an offline-first payments infrastructure venture of BETONIQ WEST LTD (RC 1496603, Abuja), solves this by enabling secure card and mobile transactions with zero live internet connectivity. Our stack combines a PUF/ECC secure terminal, offline cryptographic tokens with a 72-hour validity window, and a solar-powered mesh relay hub that syncs transactions to Paystack the moment connectivity returns. We hold a signed Paystack merchant partnership agreement (July 2026) and our core technology is patent-pending. The opportunity is universal, not just African: any market with unreliable connectivity (rural regions, disaster zones, cross-border corridors, even developed-market outages) is addressable. We are raising a Pre-Series A round of up to $4,500,000 to fund merchant terminal rollout, a live pilot program, and team expansion. Led by Managing Director Tom Ugbodaga, MSc Computer Systems Security (University of Gloucestershire, England, 2011), with institutional governance from Air Vice Marshal Monday Riku Morgan (Rtd), Executive Vice Chairman, and the Emir of Borgu Kingdom as Director. Investment is owned and managed by our local Nigerian founding team, with global applicability built into the technology from day one." (1307 characters) "Raising a Pre-Series A equity round of up to $4,500,000 (minimum ticket $50,000) to fund merchant terminal manufacturing, a live pilot rollout with Paystack, and team expansion. Investors receive equity in BETONIQ WEST LTD in exchange for capital, no debt." (256 characters) Tom Ugbodaga, Managing Director, BETONIQ WEST LTD. MSc Computer Systems Security, University of Gloucestershire, England, 2011 (dissertation: NFC Contactless Technology for Financial Payments, Merit Class). Architect of ZerôPâŷ Money's offline payment protocol and day-to-day operational lead across the group's ventures. LinkedIn profile available on request. Air Vice Marshal Monday Riku Morgan (Rtd), Executive Vice Chairman. Senior retired military officer bringing institutional credibility, governance oversight, and defence-sector relationship networks to the board. His Royal Highness, the Emir of Borgu Kingdom, Director. Traditional ruler providing regulatory goodwill and community-level legitimacy across Nigeria. Together the board combines deep technical execution (Tom, hands-on with the ECC/PUF security architecture and Paystack integration) with the institutional and governance weight rarely found in an early-stage Nigerian fintech, materially de-risking execution and compliance for investors." Want me to add your actual LinkedIn URL to that Team Summary before you paste it in, or leave it as "available on request"? BETONIQ WEST LTD is a bootstrapped, debt-free company with current annual turnover of approximately ₦9,600,000 (roughly $6,400 at prevailing exchange rates), generated across its existing lines of business, and running at roughly 10% EBITDA margin today. ZerôPâŷ Money itself is pre-revenue at product level: our signed Paystack merchant partnership agreement (July 2026) gives us a live settlement rail, and our patent-pending technology is built and functional, but we have not yet deployed paid merchant terminals at scale. Revenue will begin once Pre-Series A capital funds terminal manufacturing and the live pilot program. Projected model: modest per-transaction fee margin on offline-synced payments, scaling with merchant terminal count and transaction volume once deployed. We are not asking investors to fund an idea, we are asking them to fund the manufacturing and rollout step for technology that already works, has a signed payments partner, and is patent-pending. Full financial projections and unit economics are available in our investor pack on request." 1.4 billion unbanked globally, 38 million in Nigeria alone. Nigeria's digital payments market is expanding rapidly, driven by CBN cash-lite policy and mobile money adoption, yet connectivity remains unreliable across most of the country outside major urban centres: frequent network downtime, rural blackspots, and unstable power all interrupt standard online payment rails daily. This is the exact gap ZerôPâŷ Money's offline-first infrastructure addresses. The addressable market spans three layers. First, Nigeria's underserved retail and informal merchant sector, where card and mobile transactions currently fail whenever connectivity drops, pushing merchants back to cash. Second, the broader West African region facing similar infrastructure gaps. Third, and critically, the opportunity is not Africa-only: any market with intermittent connectivity, rural regions worldwide, disaster and conflict zones, cross-border trade corridors, and even developed markets during network or power outages, represents addressable demand for offline-capable payment infrastructure. Competitively, most fintech players (Paystack, Flutterwave, Moniepoint, PalmPay) operate exclusively online, meaning they simply cannot process a transaction when connectivity fails. ZerôPâŷ Money is not a competitor to these PSPs, it is complementary infrastructure sitting below them: a settlement rail that keeps working when theirs cannot, then syncs back automatically once connectivity returns. Our signed Paystack partnership reflects this complementary positioning rather than direct competition. Market timing favours this build now: smartphone and POS terminal penetration in Nigeria continues rising even as network reliability lags behind, widening rather than closing the gap our technology solves. As mobile money and cash-lite policy expand into harder-to-reach regions, offline resilience becomes a structural requirement rather than a nice-to-have, positioning ZerôPâŷ Money as foundational infrastructure rather than a niche product."