perception/actual cost arbitrage through proprietary financial IP and deep credit tech. We aim to reach 70 million renters globally who have saved 2% of the property purchase and have demonstrated good credit fundamentals, deserving of support and underwriting today, not years later. The current approach to mortgages and credit is creating a massive generational divide. Globally, under 35’s are struggling to get on the housing ladder. High deposits are mandated under general mortgage policy and practices, but for those outside the housing market, over 80% of net income is committed and paid to rental commitments – Eg. rent is a measure not bundled with savings history or within FICO scoring and credit approval metrics. ZoomiMoney has built upon thoroughly developed technology and safer financial risk design to deliver new products to European and USA markets. With protected IP and a capital efficient domicile design, operating regional subsidiaries will partner with European and USA banks. Solutions are designed not to impact Bank Reg capital and audits. ZoomiMoney is building executive and advisory teams to deliver product innovation and market impact. Our funding program operates as lender of record with credit enhancement that allows us to offer AAA-rated securitzed mortgages with a bonus premium to investors above other comparable market offerings.