More than Bank as a Service

© Agora Services LLC 2022. All rights reserved. Confidential.

Agora Services the 2.0 Bank as a
Service Provider

We Have Reinvented Banking

Infrastructure

Latest Technology Microservices Coupled

With Cloud Architecture

A One Stop Shop to build everything you

need (ledger, KYC, KYB, card issuing,
rewards, Payment rails, UX, etc.)

A True Modular Platform and

Totally Customizable

© Agora Services LLC 2022. All rights reserved. Confidential.

Agora led by a FinTech veteran

- Founding & Management Team Digital Bank

Launched in 2000
Profitable since 2004
Exit 2008 - $20B clients’ assets

- Created a Bank as a Service player in 2000 -

Exit $60B Assets under custody

- Senior Advisor & Venture Partner Private

Equity/VC Firm - focused on Financial
Services – over $2B AUM managed

© Agora Services LLC 2022. All rights reserved. Confidential.

Agora – The Modular Platform Onboardin
g

Transactions

Risk Wallet

1
Management

Turnkey Program
• We Put Your
Name/Logo Shared
Accounts
• No Core Integration Cards

2
A La Carte Program Bot
• Choose the services
you need
BATCH

3
Tailored Platform D-BASE
API
• Fully customized and
tailored program built
for your bank

© Agora Services LLC 2022. All rights reserved. Confidential.

Agora – Fully Developed Platform
Agora Modern Foundation

Latest Technology •

•
Built using latest technologies: Node.JS and PostgreSQL
Based on microservices, hosted on a scalable cloud server
• Native technologies: 100% developed internally
• Designed for resiliency and failure

Robust
• Transaction takes less than 1 second
• Can handle up to 12 million transactions a day

Built for developers

• Clean APIs
• Easy duplicable PCI-DSS environments with admin controls

© Agora Services LLC 2022. All rights reserved. Confidential.

 A Complete Fintech Ecosystem
Agora’s FinTech
Marketplace Saving as a
Trading BNPL Insurance
Service
(Soon) (Soon) (Soon)
(Soon)
P2P Card
AI AML Fraud Tool Domestic & FX Apps / UX
(Soon)

Shared
Apps / UX Credit Builder Rewards
Accounts

Green /
Digital Funding Cash Deposits Bill Payment
Carbon Set up

Card Issuance,
KYC / KYB ACH / Wire
Plastic / Eco Friendly / Virtual
… …
Ledgering, Accounts, Sub Accounts
© Agora Services LLC 2022. All rights reserved. Confidential.
Agora Banking
settlement-
Architecture settlement- Amazon SQS bucket
driver2

user driver BANK 2

settlement-core

malauzai-driver ach-core BANK 1 nacha-driver2

nacha-driver

account-core Payment

Q1 2023
aml-
Gateway driver deposit
http
A
parallel-core gates-router gates-core gates-sort gates-payment- payment-driver P
P
method push
moneypool
symtar-driver http
account-card
http

http
ssrp Amazon SQS bucket ssrp2

3 months
parent-child-api
account-transaction
ISSUER 2
card -issuer-router
http
agora-oauth-api agora-business- billing ISSUER 1
card-issuer-driver
api card-issuer2-driver

http jackpot Amazon SES

mail-router mail

Q3 2023
smb-api
bnpl
crypto
sms

notif push trading

lending

fx
fin-lit

Q2 2023
kyb-driver
http
lycos-router lycos kyc-driver
ocr-ai 401
 Agora The Most
Complete Platform
Agora’s Android / IOS App

Prebuilt White Label Custom Made Transactional

Web portal

Back Office
portal

© Agora Services LLC 2022. All rights reserved. Confidential.

Agora Leader in Innovation
Sub Account Technology

© Agora Services LLC 2022. All rights reserved. Confidential.

Agora Leader in Innovation
Split Payment / Transaction

© Agora Services LLC 2022. All rights reserved. Confidential.

Agora Leader in Innovation
Donation & Money Pool

© Agora Services LLC 2022. All rights reserved. Confidential.

Teenz Power by Agora

Agora Teenz Chase powered

Teen Account Greenlight
White label by Greenlight
Android / IOS Apps ✅ ✅ ✅
Debit Card ✅ ✅ ✅
Real time notification ✅ ✅ ✅
Send / receive Money ✅ ✅ ✅
Easy
Savings/space - Sub Marketing
accounts ✅ – Parents
✅ are
✅ the promote
Advanced Card Controls ✅ ✅ ✗
Apple / Google Pay ✅ ✅ ✗
Increase
Card Activation the deposits
through the App ✅ ✅ ✗
and Interchange Fee
Webportal Parents ✅ ✗ ✗
Co-control by both parents ✅ ✗ ✗
YourVirtualway
Card to cross✅ sell Products
✗ (Savings,
✗
Cashetc.)
Deposit at retailers ✅ ✗ ✗
Money pool ✅ ✗ ✗
✗ ✗
Fully
Rewards Program
Saving Accounts
White Label
✅
✅
and ✗
quick deployment
✗
Split Bill ✅ ✗ ✗
Financial Litteracy ✅ ✗ ✗
Green / Carbon Offering ✅ ✗ ✗
Money Pool Coming Soon ✗ ✗
Donation Coming Soon ✗ ✗
Conversational Chat Coming Soon ✗ ✗
P2P - Visa Direct Coming Soon ✗ ✗
Payment Link Coming Soon ✗ ✗
saving spare change Coming Soon ✗ ✗
Tuition loan Coming Soon ✗ ✗
Trading Coming Soon ✅ ✗
© Agora Services LLC 2022. All rights reserved. Confidential.
www.TeenzPower.club

© Agora Services LLC 2022. All rights reserved. Confidential.

 Our Solutions pre-embarked with leading cores

Agreement with Jack Henry to integrate

their Credit Union platform, Agora will be
pre-integrated with 40% of US
Credit Unions

Increase the deposits and Interchange Fee

Pre-sales /
Marketing
Launch with
Fully White Label and quick deployment
Finastra

© Agora Services LLC 2022. All rights reserved. Confidential.

 Any Questions?

info@agoraservices.us
715 Peachtree Street N.E. Suite 100, Atlanta, GA 30308

© Agora Services LLC 2022. All rights reserved. Confidential.