Super-App. Disruptive and Powerful Fintech Solution

The Super App

Digital Wallet, Receipt and Document Management, including Smart Advertising and Shopping Portal.

Our Unique Edge: WeFi, AI & Blockchain powered, Decentralized Onchain Global Payment System.

Our team is currently developing next-generation Fintech and SaaS platforms aimed at transforming how individuals and businesses interact with technology and financial services. We are actively seeking vision-aligned investors and collaborators to help bring these solutions to scale.

1.5+ years of RnD and concept writing, including development of showcase.
IT company for development in Poland is confirmed, ready to start discovery, MVP in July/August 2025.

Market Traction:

Some POS companies are waiting for our app and ad’s platform to be ready for licensing and subscription.

Partnerships with leading German/Austrian POS companies (750,000+ retailers)
Pre-Agreements with Felix Payment Systems, Speedy-Kasse, Rubean, RS2.

In exchange for bringing businesses in to advertise, POS software companies will receive a share/commission of 20% of the ad revenue from their customers (retailers/merchants). This will provide them an additional revenue stream while saving significant time and money developing their own apps.

E-Wallet Market:

- The global e-wallet market size was valued at $1.04 trillion in 2019 and is projected to reach $7.5 trillion by 2027, growing at a CAGR of 28.2% from 2020 to 2027.
- The number of e-wallet users is expected to increase from 2.3 billion in 2019 to 4.4 billion by 2025.

Global Market Overview:

The global market for e-wallets and digital receipt management apps is experiencing rapid growth, driven by increasing smartphone penetration, changing consumer preferences, and the shift towards cashless transactions. This market presents significant opportunities for businesses in the fintech sector.

Market Potential

Market Size and Growth
- The global digital payments market size was valued at $58.30 billion in 2020 and is projected to reach $236B by 2028, growing at a CAGR of 19.4% from 2021 to 2028.
- The digital receipt management market is expected to grow significantly, driven by increasing digitization and the need for efficient expense tracking.

Target Demographics
- Primary users: Millennials and Gen Z, who are tech-savvy and prefer digital solutions.
- Growing adoption among older generations as user interfaces become more intuitive.
- Small to medium-sized businesses looking for efficient expense management solutions.

Market Trends
- Increasing smartphone penetration globally.
- Growing preference for contactless payments, accelerated by the COVID-19 pandemic.
- Rising demand for integrated financial management solutions.


Digital Receipt Management Market:
- The global digital receipt management market size was valued at $3.29 billion in 2020 and is expected to expand at a CAGR of 9.3% from 2021 to 2028.
- The market is driven by increasing adoption of cloud-based solutions and the need for efficient expense management in businesses.

Payments via digital wallets: mostly closed banking system with limited features
Receipt & Document Management Challenges: Time-consuming tracking of paper receipts, warranties, returns, expenses, important documents and ID’s are inefficient and error-prone
Underutilized Loyalty Programs: Consumers often fail to actively manage loyalty programs, leading to missed rewards and benefits
Offers & Deals from nearby Stores: Missed opportunities from flash sales, offers and deals, vouchers and coupons from nearby stores and services
Environmental Impact: More than 300 billion thermal paper receipts printed every year contribute to deforestation and waste with increasing pressure from the government to go green and digital
Limited Receipt Lifespan: Thermal receipts become unreadable over time

1. Customer Dissatisfaction
Frustrated customers unable to locate receipts and documents
Loyalty Programs: When loyalty rewards are lost or difficult to manage, customers disengage, reducing repeat purchases and long-term loyalty.
2. Missed Revenue Opportunities
Lost engagement by missed cross-selling or upselling opportunities and ineffective advertising.
Traditional advertising methods may not resonate with eco-conscious consumers seeking more greener and intuitive alternatives.
3. Operational Inefficiencies and Reputational Risks
Handling returns without clear receipt records leads to manual processing and higher administrative costs.
Businesses using thermal receipts risk being perceived as environmentally irresponsible, damaging their brand image.
Due to regulatory non-compliance, companies that adhere to outdated practices face fines or restrictions.
4. Payment Transaction Costs
Costly POS hardware and a closed system, expensive maintenance costs with high card terminal rental and transaction fees

fusionApp: Your Digital Financial Command Center
The consumer-facing super-app that centralizes financial management:
Secure digital wallet with global payment capabilities
Lifetime digital receipt and document vault
Integrated loyalty program management
Personalized offers based on purchase behavior

fusionAds: Precision Marketing Platform
A revolutionary advertising system that outperforms traditional channels:
3-5x higher conversion rates than social media advertising
Direct access to customers at point of purchase
Real-time analytics and ROI tracking
Seamless integration with existing POS systems

TapnPay: Frictionless Payment Solution
A versatile payment processing system that works anywhere:
Mobile-first design requiring no additional hardware
Instant receipt generation and loyalty program integration
Built-in promotional capabilities for immediate upsell opportunities
Robust security with advanced fraud protection
Connecting to any bank or Payment Service Provider around the globe

Currently no real competitor as no one has this concept yet or copied yet.
Thorough researches and studies gave me input to this concept, including actively being involved in development of a SoftPOS for a German company for more than one year.

fusion™ is an innovative mobile application designed to revolutionize the way consumers manage receipts and documents, loyalty programs, and digital payments, while providing businesses with new, cost-effective avenues for advertising. As a complementary solution to existing POS systems, fusion™ offers users free digital receipt storage and management, e-wallet functionalities, and access to exclusive promotions, all in one seamless platform. Its advertising platform fusionAds™ provides businesses with a powerful tool to place targeted ads directly on their digital and printed receipts, as well as within the app. fusionAds™ generates revenue through subscriptions, transactions, and ad placements.

Business Overview

fusion addresses the growing need for streamlined digital receipt management and eco-friendly financial solutions. With integrated e-wallet functions, receipt and document storage, loyalty programs and advertising from interested parties, the app simplifies financial tracking for users and reduces reliance on paper receipts. fusionAds, its B2B counterpart, provides businesses with a SaaS advertising platform to manage and place ads on their digital or printed receipts and throughout the app, allowing geo-targeted promotions.
Target Market

With a global market of over 168 million businesses using POS systems, fusion targets a vast audience in retail, services, supermarkets, and e-commerce. As the digital payment and e-wallet market grows, projected to exceed $7 trillion by 2027, fusion aims to capture a share by integrating seamlessly with POS systems, banks, and acquirers worldwide. The B2B advertising market presents further growth potential, offering businesses a cost-effective alternative to traditional platforms.

Competitive Advantage
fusion distinguishes itself through its dual focus on consumers and businesses. For users, it provides a free, eco-friendly, and secure platform for managing receipts, documents, and payments. For businesses, it offers targeted advertising on both digital and printed receipts, combined with advanced geo-targeting options for increased engagement. The white-label option allows resellers and agencies to customize the app for their needs, providing an edge over traditional advertising platforms.

Subscription plans
One-time Fees
In-App Advertising
Transaction fees from digital wallet
Affiliate partners
White Label
Commissions from Marketplace and Shopping offers

Your environmentally friendly all-in-one Fintech solution, a digital wallet with vault, receipt and document management including a purchasing portal and more.

fusionApp: All-in-One Digital Super-App

E-Wallet Functionality: Global payments (including crypto), loyalty cards, receipts
Digital Receipt & Document Storage: Receipts, warranty and expense tracking, returns, and scanned document management
Vault: Secure important documents, ID’s, numbers and PINs against prying eyes
Exclusive Promotions: Personalized in-app promotions, flash sales, deals, vouchers, coupons, rewards and more fr om businesses nearby
Revenue Streams: Up-sales, transaction fees, White Label licensing


fusionAds: Next-Gen Advertising Platform, fusionAds: A Powerful SaaS Platform for Targeted Advertising

Wh ere Advertising Meets Innovation.

Geo-Targeted Customizable Advertising: Highly relevant ads and offers on digital and printed receipts as well in-app

Loyalty Amplification: Boost repeat business through seamless rewards program integration

Flexible Revenue Streams: Subscriptions, Ads placements, up-sales, and commissions

With fusionAds, businesses can connect with consumers in meaningful ways while maximizing their advertising ROI.


SoftPOS TapnPay: A Powerful Payment Solution for any kind of Business - Where Payment Meets Innovation.

TapnPay: Modern Cashless Payment Solution (SoftPOS):
On-the-Go Payments: Standalone, turns any phone with NFC into a payment terminal
Customizable Promotions: Tailored Ads and loyalty tools integrated at checkout for customer engagement
Seamless POS Integration: Compatible with existing POS systems and Banks
Multiple Revenue Streams: Transaction fees, subscriptions, advertising, and White Label licensing

fusion and fusionAds offer a unique value proposition for consumers and businesses alike. By addressing the increasing demand for digital payment solutions and eco-friendly, digital receipt management, the project is well-positioned to capture a significant share of the growing market. With a robust revenue model, strong market partnerships, and a clear growth strategy, fusion is on track to deliver significant returns on investment within the next three years and has a high potential to become a serious competitor to existing and leading social media marketing platforms.

~ $2M will go into development of Fintech & SaaS apps which are linked together but also work independently. Balance is for incorporation of HoldCo and OpCos in Asia, incl. EMI banking license, TM & IP registrations, marketing, advertising, sales & customer support team, DevOPS, trade shows, wages, computed for 2 years.

Preferred shares, % depending on amount of investment. TBD in personal meeting or video call and then in written agreement.

The project’s long-term vision includes potential funding rounds to support growth and new feature development to stay ahead of competitors. With significant market traction and increasing revenue, the Super app presents an attractive acquisition target for larger tech or FinTech companies, offering them immediate access to a large user base and innovative monetization strategies.
Alternatively IPO in 5-7 years.

Challenges and Risks

Security Concerns
- Risk of data breaches and financial fraud.
- Need for continuous investment in security measures.
User Adoption
- Overcoming user hesitation about digital financial solutions.
- Educating users about the benefits and security of these technologies.
Competition
- Crowded market with established players and new entrants.
- Need for continuous innovation to stay competitive.
Regulatory Changes
- Evolving regulations in the fintech space could impact operations and profitability.

None

Not yet. But to come.

IP will be registered once holding company is incorporated in Singapore