Kindcard, Inc. is an innovative FinTech and PayTech company that provides traditional payment solutions alongside alternative closed loop payment systems to consumers and businesses worldwide through its wholly owned subsidiaries Deb, Inc. and Tendercard, Inc.

Revenue is generated primarily from fees charged for processing payments on the Pay with Deb platform and from service fees for the Tendercard gift card and loyalty platform.

The company operates through the following segments: Deb, Inc. and Tendercard, Inc.

• Deb, Inc.: This segment provides the Pay with Deb consumer app and merchant services platform, allowing users to load funds via ACH, wire transfer or direct bank connection, purchase Deb Tokens that are valued 1:1 with the US dollar, and make purchases in person and online while targeting high risk merchants with a closed loop system that reduces transaction fees and enhances privacy.

• Tendercard, Inc.: This segment offers a gift card and loyalty platform that enables merchants to create and manage their own branded gift cards, replaces paper certificates with electronic accounting, settles funds directly to merchant accounts, and works with Bridgepay, Pax and Dejavoo terminals.

Kindcard, Inc. competes with major card networks such as Visa, MasterCard, Discover and American Express, as well as digital wallet providers like Apple Pay, Google Pay and PayPal. Its competitive advantages derive from the closed loop nature of Pay with Deb, which lowers merchant fees and enhances privacy, and from Tendercard s low cost gift card solution that gives merchants full control of funds and includes a unified marketing platform.

The company serves individual consumers seeking a private low fee digital wallet, high risk merchants in e commerce and other verticals that need alternative payment processing, and retailers looking for customizable gift card and loyalty programs. It also collaborates with partners such as Blox and the Restaurant Heroes Franchisor Group to expand its reach.