iBonus Limited

Offline DLT for retail CBDC

2021 HK Smart Living Partnership Awards
2021 HK Fintech Award 2021
2022 ITC ESS fund (HK$1,800,000)
2022 HK Fintech Award (Institute of Bankers)
2022 GFT - CBDC track (Hong Kong Monetary Authority), 10 Finalist

Banks, Digital Currency service providers, Facebook's Libra, Paypal

To provide a “frictionless” cash-like payment experience for retail CBDC, the ability to handle:
> Peak Traffic
> Connectivity Breaks
> Offline without Internet

Our solution
> QR-BLE-QR technology to replace NFC to support all smartphones
> Offline DLT
- Offline ledger: ledger carried by each user to avoid double-spending.
- Cryptographic securities: to ensure data cannot be illegally modified.
- Tokenization: with expiry and transaction limit to reduce the risk of content cloning

- NFC based technology - Less than 15% of smartphones have NFC
- InfraRed and BLE payment technology are too slow and not stable
- Both Alipay and WeChat Pay are single offline and not anonymity

Our solution
- Stable QR-BLE-QR technology
- Supports all smartphones (IOS and Android)
- Transaction time less than 1 second
- double offline mobile payment
- Anonymity

B-to-B, targeting service providers.
User license of US$0.1+ per user per year

B-to-B, targeting payment service providers globally

Main Marketing

20-30% of the company shares

Technology competition

- Offline payment technology has been omitted by big players since 2014.

Sandbox Demo with HSBC bank:

Demonstration of double offline payment for China Digital Currency

2018 Hong Kong Smart City Awards:
The Outstanding Offline Mobile Payment System

2020 Juniper Research: Future Digital Awards:
Smart City Gold Award: iBonus Mobile Transit Ticketing

Patent-pending in US and China, PCT worldwide:
● US Patent Pending 16/681,365
● China Patent Pending 201910340975.1
● Worldwide PCT PCT/CN2020/078535