KATALYST TECHNOLOGIES

• Fragmented Tools – Generic inventory software + separate bank apps + standalone POS terminals.
• The Offline Curse – Cloud‑only software crashes when internet drops → revenue leakage.
• Blind Spots – No unified view of cash, card, and transfer ledgers.

Disconnected stack → leakage, delays, and no single source of truth

% of SMEs reporting major friction (Illustrative)

• One ERP platform — A single product and data model; you switch modes (Hospitality, Services, Retail, Agriculture), not separate siloed apps.
• Production-grade reliability — Built for real counters: offline-capable sync, audit-friendly records, and mobile-native performance (not a shrunk desktop UI).
• Fintech inside the same stack — Card on the same Android POS, bank transfers with references / virtual accounts auto-generated through whichever partner bank you connect, and NFC tap-to-pay — no bolt-on checkout app.
• POS or phone + Bluetooth receipt printer — Staff use certified POS terminals or phones; compact Bluetooth thermal printers for receipts. No bulky laptop, desktop tower, or extra “payment-only” machine on the lane.

Same ERP: operations + payments on terminal or handset

• True Offline‑First – Ring up sales, manage tabs, print receipts with zero internet.
• Omnichannel Checkout – Smart terminals, Tap‑to‑Pay, Virtual Accounts in one UI.
• Dynamic Workspaces – Shape‑shifts for Retail, Services, Hospitality, and Agriculture.

SMEs across Africa

Daily digital payment flow (order of magnitude)

• High‑frequency sectors: Supermarkets, Salons, Hotels, F&B

Sector distribution of addressable GTV (illustrative)

• SaaS (Predictable) – Tiered monthly licensing per branch. 80%+ margin.
• Embedded Finance (Scalable) – 0.3% – 0.5% spread on every Naira processed.

Example: Merchant processing ₦5M/month → ₦15k–25k extra revenue.

Revenue contribution over time (₦m, illustrative · FX ₦1,500/US$1)

• Technology MVP completed – React Native, offline SQLite sync, cloud backend.
• Compliance built‑in – KYC tiering (CAC/BVN), “No‑Touch” card environment.
• Bank‑ready risk controls – Role‑based access, audit logs.

First 500 locations — activation playbook & onboarding ready

SAFE / Convertible Note (≈ US$150k–US$250k @ ₦1,500/USD)

• 40% Operations – Field agents & onboarding
• 30% Hardware buffer – 100 Smart Terminals
• 20% Engineering – Bank integrations
• 10% Legal & Compliance – MoUs, NDPA