processing systems, including local banking and card payment networks.

Within the system, people will be able to buy things/services anywhere in the world, pay and get paid for work in any corner of the world, and instantly send local/international remittances in a friendly, risk-free environment.

Target countries and regions: - The EU - The UK - The USA - Canada - Israel - Australia - India - Pakistan - The CIS - China & Hong Kong - The Philippines - Africa

NT’s target groups (across all covered regions): - Businesses - Foreign-born workers, freelancers - People with marketplaces on eBay, Amazon, etc. - Electronic Money Institutions (EMIs) - People seeking quick and reliable payment methods

NT’s activity areas: - International & local fund transfers - Payment processing - Payment card issuance - Acquiring services - Card payment processing - Blockchain-based network for instant fund transfers

GCMN is an active project based on the following solutions designed, created, and already implemented by Niko Technologies:

1. Crypto Acceptance Gateway for merchants to accept payments in crypto and get automatically settled in fiat. 2. PCI DSS Gateway for instant card payments that provides the highest level of security. 3. Retail POS App for merchants to accept crypto as payment at their brick-and-mortar stores. 4. Crypto-Fiat Wallet that runs blockchain to enable instant global payments/transfers in multiple assets. 5. Multi-Currency Business Wallet for business owners seeking quick & cheap high-volume payments in multiple currencies to a wide range of payees. 6. Money Transfers for Foreign Workers - a wallet solution for instant international remittances, cash pickup transfers, and card payments. 7. Certified Coins - a web service for purchasing and selling cryptocurrencies for fiat. It provides clients with official documents proving the legal origin of the obtained assets. 8. Exchange App for quick and secure cryptocurrency trading for multiple fiat currencies. 9. Arbitrage Robots that leverage advanced trading algorithms to help users exchange stablecoins for regular (fiat) currencies, with no risk. 10. SuperNova (SN) is the stability coin, a new generation of cryptocurrency. It is backed by 16 of the most traded world currencies, which makes it a reliable solution our clients will use to hedge currency depreciation risk on expectations of serious changes in national economies. 11. SaaS projects. The following NT’s solutions are available as SaaS services: wallets, gateways, Exchange App, Certified Coins.

To date, we have received the necessary licenses and opened bank accounts in some of the regions on our “to cover” list. As a licensed FinTech provider, we get direct access to national money networks. In turn, bank accounts enable seamless access to funds and instant transactions for the network users, without intermediaries and extra cost.

As a part of our program, we also intend to get Visa/Mastercard/UnionPay International principal members in the target regions to provide the full range of card payment/transfer services, including card acquiring, issuance, and processing.

Our near-future plans We are currently exploring external sources of funding to obtain outstanding region-specific banking licenses and create a legal background that should provide safe and regulatory-compliant use of our technological and financial solutions.

Received funds will be used to keep requirement accounts with every bank under foreign jurisdiction. The funds will also be used for instant money transfers as they will be available (on requirement accounts) for local financial operations in every single region we cover.