Pitch deck

ethical financeToday we are witnessing a growing awareness of the impact of our consumption habits on the world.

Expectations of the financial sector are commensurate with its economic weight.

The traditional actors of this industry do not propose solid alternatives to build a better ethical finance.

How can finance reinvent itself and aspire to become more i n c l u s i v e , r e s p o n s i b l e a n d supportive?

CONTEXT

While consumption patterns and consumer expectat ions are c h a n g i n g ( o r g a n i c , e t h i c a l , respectful of environment, etc.), the means of payment and the associated interbank commis-sions remain unchanged.

In a fast changing sector, retreeb presents itself as an alternative, practical, economical and in phase with the societal stakes of our time. .

CONTEXT

T h e r e t r e e b s o l u t i o n i s a d i s i n t e r m e d i a t e d m e a n s o f payment that is free of interbank commissions.

Through its economic model as well as its technical infrastructure, we are opting for unprecedented transparency in a particularly opaque sector.

Finally, we approach payment by placing corporate social and environmental responsibil ity (CSR) at the heart of our business model.

SOLUTION / PRODUCT

To achieve this, retreeb is based on two pillars:

The tokenisation of transactions thanks to the underlying Lachesis aBFT consensus mechanism and by the creation of a stablecoin dedicated to the payment which frees from the usual inter-bank commissions.

Free SEPA credit transfers (since 2014), which ensure the circulation of FIAT financial flows.

In this way, retreeb regains control over the transaction in order to apply its business model.

tokenisation of

transactions

free SEPA transfer

SOLUTION / PRODUCT

COMPETITION / MARKET

VISA

MASTERCARD

The market for means of payment is accelerating and changing. Mobile payment is gradually b e c o m i n g m o r e a n d m o r e democratic in Europe since only 2018. In Asia, it has been in common use for almost 7 years. At the end of 2019, China had 621 million mobile payment users via Ali Pay or Wechat Pay. In Japan, the country is close to 37 million users converted to the Line pay service of the social network Line. Finally, since 2007 in Africa, the M-Pesa solution, owned by the telecom operator Vodafone, has been developing and has 37 million users.

VISA

MASTERCARD

Many players are developing or launching themselves on this market. However, almost all of t h e m r e l y o n t h e V i s a a n d Mastercard networks. With the growth of the market and the g r a d u a l d i s a p p e a r a n c e o f l i q u i d i t y , m o r e a n d m o r e a l t e r n a t i v e s y s t e m s a r e abandoning these traditional, efficient but aging networks and are now able to replace them.

This is the case of the retreeb network. By replacing them, an alternative network replaces the banks' intermediation in the card transact ion, and thus their interchange fees or any other associated charges.

COMPETITION / MARKET

For each payment made on the network, retreeb charges the merchant fees (from 0.9% to 1.5%) that are lower than those charged on the market and with no fixed fees, this is a very attractive s o u r c e o f s a v i n g s f o r t h e merchant.

One third of this income is donated by retreeb to the social project selected by the user issuing the transaction.

This economic model is not based on any direct financial contri-bution from the user. It is only retreeb that chooses to donate a third of its revenues.

BUSINESS MODEL

Our tokens ((S)Treeb) are multy-local stablecoins which are distributed by currency zone and are not subject to any form of speculation. Established as a currency mask, they are backed by the user's currency. 1 FIAT = 1 (S)Treeb. There is therefore no conversion effort.

They are never in competition with the monetary sovereignty of states.

The balance between the tokens in circulation and FIAT's liquid a s s e t s i s a l w a y s p e r f e c t l y balanced.

OPERATING

1 Stable Treeb €uro 1 €uro

Entirely controlled at transmission (KYC - know your customer) as well as at use (KYB - know your business) via a verification of the acceptance network, (S)Treeb cannot be exchanged between users or via exchanges.

Controlled from end to end, the flow is protected from any risk of laundering.

Secure and rooted in usage, retreeb is a payroll network that presents the perfect arguments for building the trust needed for adoption.

OPERATING

Cell®, the technology used by our network, is a DAGchain with centralized governance and distributed computing.

This governance allows to keep control on the addition and deletion of nodes (KYC, KYB), in accordance with the retreeb ethical charter. Only transaction validations are distributed on user terminals (smart-phones).

Thus, this technological solution offers greater scalability and velocity than traditional block-chains.

TECHNOLOGY

The (S)Treeb is a multi-local stablecoin that circulates one-way between the consumer and the retailer. The retailer stacks the (S)Treeb for a max of 72 hours before they are burnt and the corresponding FIAT balance sent to the retailer by bank transfer after deduction of the retreeb fees.

T h e (U)Treeb o r T R E E B i s a governance token utility for the Retreeb community. It has a fixed offer and a variable value. Its main role concerns governance in the selection of CSR projects for funding. The system uses a proof-of-stake mechanism to select validators to participate in these governance decisions.

ONE ECOSYSTEM : TWO ASSETS SYSTEM

 ≠ Stable Treeb Utility Treeb

PAYMENT PROTOCOL CSR GOVERNANCE

The consumer wallet is a mobile a p p l i c a t i o n d e d i c a t e d t o consumers. The retreeb consumer wallet is the reference wallet in the ecosystem, but this wallet is also designed to be deployed as a white label and to adapt to a wide variety of user communities.

The wallet consumer, is the only gateway to acquire (S)Treeb in the user's local currency. The user can make payments via QR code, view their transaction history and consult the CSR project gallery to choose the one they wish to support. Finally, the wallet allows you to keep, acquire (Card or transfer). (u)Treeb and stack them t o b e a b l e t o v o t e o n t h e CSR Launchpad

CONSUMER WALLET

The POS wallet retailler is a mobile application exclusively dedicated to retailers and associations. It is the retailers who support the t r a n s a c t i o n f e e s a s f o r a conventional cards payment.

Simple and intuitive, it is designed to operate a first transaction by the retailer less than 2 minutes after downloading the application.

The wallet POS retailer is able to accept all payments in multi-location coins.

BUSINESS WALLET

W e w i l l d e v e l o p " l o c a l u s e cases" (LUC) at the level of neighbourhoods, towns or regions. Like mobile phone operators for fibre optics, we will limit the number of users in these areas and ensure that we have a sufficient acceptance network. Users will be able to use the service and prescribe it to their relatives, who will then be placed on a waiting list. These LUCs will be the center of retreeb's viral propagation.

COMMERCIAL STRATEGY

In addition to the wallets, retreeb offers its users an innovative payment card that incorporates these two technology :

- A biometric sensor that secures and removes the cap on NFC transactions.

- An electrophoretic screen that displays a series of information about the current transaction (validation, amount, retreeb donation).

USER CARDS

RISKS AND REGULATIONS

Risks & regulations

Establishment of Electronic Currency

Personal data (GDPR)

Authentication and Secured electronics signature

Flow monitoring (AML-FT)

Operational Risques

ACPR-BDF approval

Capital requirements and equity

Issue against money remittance

Information and access to the persons concerned

Right of deletion and to oblivion

Treatment safety of the data

Several factors authentication

Security and interoperability

Preservation evidence over time

Founded approach on the potential risks

Vigilance measures on PEP and countries at risk

Customer identification (and beneficial owners)

Cybersecurity

On-boarding

Internal control device (risks, procedures, controls)

Continuity planning and going out of business

Outstanding Operations

Co-founders

Jeremi Lepetit CEO

IT Software & Blockchain

Sayah El Yatim CTO

Cryptography

Quentin Lepetit CDO

Product design & Marketing

Stéphanie Flacher CMO

Bank & Blockchain

Core teamYann le Floch Head of Blockchain

Martin Luther Etouman Software engineer

Adam boudgema Software engineer

Marwane Lairi Software engineer

Adam Aleb Software engineer

Nebil Jabari Software engineer

Fabrice Delaneau Front office developer

David Ulysse Jeanneret General Secretary

Julie l’Enfant International Support

Xheni Bejleri Community manager

Alain Parize Head of Payment Solutions

Brian Guilhem Fabregue Legal Director

Fabien Gremont Head of Partnership

Olivier jollet Advisor

Advisors

Karim Chouchane Advisor

Xavier Leclerc Advisor

Sophie Der Baghdassarian Advisor

Harold Knoll Advisor

Rayane Boudokhane Advisor

Hafed Ben Salha Advisor

ROADMAP

ROADMAP

Rue de la cité 1

1204 Geneva, Switzerland

www.retreeb.io

Register number : CH-660.1.173.019-1

Capital : 100’000 CHF