صفحه 1:
DWOLLA
pitchdeck
حورل كسد
صفحه 2:
صفحه 3:
Dwolla allows anything connected to the
internet to move money quickly, safely,
and at low cost.
a" 2
صفحه 4:
GROWING RAPIDLY BECAUSE OF MANY USE
CASES
صفحه 5:
HOW DID WE GET HERE?
Dwolla was started as a direct result of a problem encountered by its founder:
the pain of paying $50,000+ a year in credit card fees. In 2008 Ben Milne set
‘out to fix the problem and Dwolla was born.
Ben Milne, Founder & CEO
‘+ Started his frst manufacturing company at 18, bootstrapped the company to 1M +
in revenue with operations in the US and Asia.
Sold the company to concentrate on building the Dwolla network.
Leads overall company vision, technology, product strategy and marketing
Charise Flynn, COO
+ Graduated magna cum laude trom Simpson College wih degrees in Philosophy
‘and Religion ee
‘Started career in real estate development by building and managing over $100MM
in real estato assets in leas than five years.
Built consuiting company, ¢-Results, which focused on working with early stage
‘companies/tounders.
Joined Dwolla in 2010 and leads operations including legal, finance, business
“evelopment, human resources, and customer support
صفحه 6:
How Cards Work
صفحه 7:
THE PROBLEM WITH PAYMENTS
FRAUD HEAVY
* Grecit and debit expose 16-ciit card, numbers, can be copied,
photographed, or written dow?i (i.e. “data exhaust”)
* Check and ACH expose info needed to make unauthorized debits to
egQgunt, no inherent verification or validation protocols embedded in
CLOSED & RIGID
* No inherently open ment network for third-party development, not
Web 2.0-compatible me
۰ rey ened interests across spectrum, no true end-to-end solution in
* Silo’d transaction combinations (@.g. cards are not p2p friendly, can’t use
bank-to-bank networks to buy coffee)
BANK-CENTRIC
* Perpetuates increasingly regulated, endangered revenue streams for
banks (see: Durbin Amendment, Bank of America checking fee backlash
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صفحه 9:
REAL-TIME STREAMING
SETTLEMENT (FISYNC)
©
How Dwolla Works
aa Ga
CONSUMER OF PAYMENT THROUGH
‘MERCHANT ‘SOFTWARE (DWOLLA)
PAYMENT NETWORK.
(OwoLLA)
$
RECEIVE PAYMENT ACCESS FUNDS
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صفحه 11:
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صفحه 12:
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* Consumer (Dwolla branded) Engine
* FiSync (Real Time Gross Settlement - white label) Engine.
٠ حكلات 4 كلككة هم مه ممع منممع
Bi Secret Sauce
Cool, technical sounding stuff goes here
صفحه 13:
LOW COST “ASSET-LIGHT”
* Cuts expensive credit card fees out of the equation by bypassing
existing card networks.
* §$.25/transaction fee model is cheaper than credit cards or mailing/
Processing check payments.
+ Free micro-transactions (under $10) unlock new profit-making
innovations, services, and markets
FAST/ACCESSIBLE
+ Faster than mailing a check, pre-loaded funds move in real time
* FiSyne Technology i fist real-time gross settlement (RTGS) system
+ Use with any web-enabled device
صفحه 14:
SAFER & PRIVACY FOCUSED
* Guards sensitive financial information, never discloses this data
inside transactions or devices.
* Privacy innovations, like “Add/Remove Features” revoke access to
third-party applications
OPEN-LOOP & END-TO-END
* Dwolla AP! allows distributes network and third-party innovation
* With Fisync, Dwolla streamlines payments from user bank account-to-user
bank accour
* Agnostic to payment type (i.e. p2p, b2b, ¢2b, b2c, g2b, b2g, etc.) or
hardware
BANK-FRIENDLY, CONSUMER-CENTRIC
* FiSync provides banks and credit unions with dynamic value-added
product and services opportunities
صفحه 15:
OPPORTUNITY FOR DWOLLA IN US MARKET
+ ~$40T exchanged through ACH
+ ~$600T in wire payments
* ~400 Million direct deposit accounts
~$2T annually exchanged on plastic cards
98% of economic activity is completed via non-cash payments
OPPORTUNITY FOR DWOLLA GLOBALLY
* Incomprehensible number of mer t volume, amounts.
* 2.5B+ unbanked 1 48 ,
+ 2.4B+ Internet users x 2۳
* 1.1B smartphone subscribers
+ دف
, &
صفحه 16:
2013 Hiring/Expansion Plan
Key Hires:
+ Product
+ Marketing
+ Business Development
+ Developers &,
2013 Total team counts: &,
Leadership: 8
Tech: 29
Community Support: 10
Business Development: 8
Product/Design:
Risk/Compliance: 4
Marketing: 3
Mise: 2
Expansion
+ West Coast office in SF
۰ © © © ۵ ه
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