About

PAYMENT SOLUTIONS INTERNATIONAL LIMITED is a public company incorporated under the laws of the republic of South Africa with an issued share capital of 100 000 000 no par value ordinary shares and 1000 000 000 Preference Shares.

PSI has three core fintech businesses structured around its product offerings, arranged into operationally efficient business units in each of the markets it operates in.

These are the PSI Affordability and Deduction Management Platform (ADMP), PSI Loan Administration Platform (LAP) and PSI Loan Investment Fund (PSII).

PSI AFFORDABILITY AND DEDUCTION MANAGEMENT PLATFORM (ADMP)

PSI owns and operates, through its PSI Operational Subsidiaries in each country, the ADMP and contracts it’s services to governmental and large corporate employers and financial services providers.

PSI LOAN ADMINISTRATION PLATFORM (LAP)

LAP licenses technology to financial services providers that enables them to manage loan processing, loan book management and administration and earns revenue on every loan application processed by the financial services provider.

PSI LOAN INVESTMENT FUND (PSII)

As not all consumers have the same risk profile, PSII, a business unit of PSI, establishes relationships with independent licensed financial services providers. These providers agree to exclusively utilize the ADMP and LAP platforms & credit scoring methodologies to fairly assess consumers based on their affordability metrics. The providers then offer customized funding solutions and provide preferential credit guarantees to lenders in exchange for lower interest rates to consumers.

3 699 696
Top - Up Transactions
1 051 975
Contracts for
Deductions Managed
13 659 574
($508m) Deduction
Instalments Processed
913 011
Reservations
93 285 170
Payslip Data Lines
99.6%
Recovery Rate

Why ICO

Through this initial coin offering we are intending to complete the first round of fundraising to launch PSII for a total of US$25 Million through the issue of 25,000,000 PSI ERC20 Tokens valued at US$1 each which represent 1 Preference Share in the share capital of PSI Limited.

Our objective is to launch a retail participation opportunity to broaden our shareholder base and enable a wide range of interested parties who would not normally have access to capital markets to invest in the preference shares though the cryptocurrency markets. Institutional shareholders are welcome.

The objective of the ICO for PSII is to create an investment fund that will be used to invest in quasi-secured markets where PSI operates and has identified key opportunities to profitably and securely lend to our consumer base.

Through this process we will profitably act as an agent for change and will enable previously underbanked consumers, who due to the high cost of borrowing are excluded or restricted from borrowing, to access affordable capital. The loans will be interest bearing but will be issued at preferential interest rates that reflect the quality of the borrower, and due to the exceptionally low default rate not only enables our borrowers to access capital more affordably but offers an excellent return on investment for the company.

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Through our relationships with licenced financial services providers we will administer the administration and collection of these loans, enabling consumers to access more affordable and inclusive financial services.

Traditional lenders have not responded by rerating the borrowers in the AMDP ecosystem and adjusting their interest rates accordingly to lower the cost of capital for these consumers. This has created a unique market opportunity for PSI to enter a low risk high yield market.

PSI through its platforms ensures near 100% collectability on loans, as it administers the deductions on the payrolls of corporate and governmental employers prior to a consumer receiving his salary.

Reasons to invest

Payment Solutions International is an innovation orientated fintech company developing and commercializing uniquely developed Software-as-a-Service information technology products including its payroll deduction & payment management and loan administration platforms that offer an unique opportunity to earn enhanced returns with limited capital risk featuring:

  • Above average returns on capital invested
  • Supporting the concept of financial inclusion by providing affordable finance to average and lower income consumer
  • A preference share offers security and preference over the ordinary shareholders
  • Unprecedented high collection rate on loan repayments secured by the ADMP
  • Experienced Board and management team with a successful track record of driving growth and creating value
  • A strong pipeline of opportunities
  • PSI has the intention to list its ERC20 token on cryptocurrency exchanges immediately after the token sale event
  • South Africa is a trusted and highly ranked corporate jurisdiction with a strong rule of law and entrenched shareholder rights

As a pioneering financial services intermediation business, PSI operates in a market with high barriers to entry, having secured a long-term recurring income base, which will diversify across a broad range of industry sectors and participants, as well as across various international jurisdictions.

The business approach and market space provide the group with significant first-to-market advantages and a cost-competitive operating business.

PSI’s ADMP platform has proven to substantially reduce collection risk for participants in the financial services sector by transforming the traditional “unsecured loan” into a quasi-secured loan.

From an investment perspective, the business model on which the ICO is based translates into a strong cash flow profile, a high return on investment and medium term investor payback period.

Investors in the fund will receive 1 token or part thereof for each equivalent value in US$ paid during the token sale window through the token sale site at ico.psi.limited

Use of Funds

Founders and management will receive no PSI ERC20 Tokens representing preference shares as they already benefit through ownership in the company.

The funds raised during the ICO will primarily be used to create an investment fund through which the company intends to partner with qualified and approved independent financial services providers to issue loans to previously underbanked consumers who due to the high cost of borrowing are excluded or restricted from borrowing. As evidenced in this whitepaper and associated investment document, we have shown that these consumers are low risk investments and the fund will earn an above average yield from extending these life changing loans through its partners.

The balance of funds will be used to extend the reach of the business into new markets and grow the ADMP footprint in new emerging markets.

RoadMap

03.2018
PSI ESTABLISHES ICO TEAM

PSI ESTABLISHES ICO TEAM

  • ICO PLATFORM AND SMART CONTRACT DEVELOPMENT
  • ETH DIVIDEND MANAGEMENT PLATFORM AND SMART CONTRACT DEVELOPMENT
01.08.2018
PRE SALE OPENS - US$2M

PRE SALE OPENS - US$2M

  • First US$1m :- = 50% Bonus
  • Second US$1m :- = 30% Bonus
01.10.2018
ICO LAUNCH

ICO LAUNCH

  • Hard Cap $25M
31.03.2019
FIRST DIVIDEND DISTRIBUTION

FIRST DIVIDEND DISTRIBUTION

  • To all Coin Holders
01.10.2019
ICO US$40M (YEAR 2)

ICO US$40M (YEAR 2)

  • To be completed - 31.08.2019
  • ALL AT TRADING PRICE
31.03.2020
SECOND DIVIDEND DISTRIBUTION

SECOND DIVIDEND DISTRIBUTION

  • To all Coin Holders
01.10.2020
ICO US$45M (YEAR 3)

ICO US$45M (YEAR 3)

  • To be completed - 31.08.2020
  • ALL AT TRADING PRICE
31.03.2021
THIRD DIVIDEND DISTRIBUTION

THIRD DIVIDEND DISTRIBUTION

Team

RIAAN SWART
CEO
CLINTON MELLET
COO
MORNE STEVENSON
GROUP LEGAL OFFICER
MARC GRUNDLING
INFORMATION TECHNOLOGIST
CHRISTIAAN JAKOBUS DE KOCK
GROUP FINANCIAL MANAGER
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