Rego Payment Architectures, Inc. (OTC: RPMT)

REGO Payment Architectures, Inc. develops and licenses a family-focused mobile payment platform called Mazoola®, targeting the financial technology (FinTech) industry. The company specializes in secure, compliant digital wallet solutions designed for minors, particularly those under 13, enabling them to transact, complete chores, and learn financial responsibility under parental oversight. REGO’s platform adheres to strict regulatory standards, including the Children’s Online Privacy Protection Act (COPPA) and the General Data Protection Regulation (GDPR), positioning it as a trusted provider for families, financial institutions, and partners seeking safe digital payment tools for younger users.

REGO generates revenue through multiple streams tied to its Mazoola® platform. These include licensing and white-label agreements with financial institutions, FinTech companies, and other partners, where the company provides its technology for private-label deployment. Additional revenue sources include subscription fees for premium services, transaction and processing fees for both closed and open network payments, and data analytics sales derived from anonymized usage patterns. The company also explores shared transaction revenue or rebates from banking partners, as well as advertising and special services fees for custom requests. While historical revenue has been minimal, REGO’s strategy focuses on scaling these streams through partnerships and expanded platform adoption.

The company operates through the following segments:

• Digital Wallet Platform: This segment centers on the Mazoola® app and its underlying technology, which enables secure, COPPA- and GDPR-compliant transactions for minors. The platform includes features such as parental controls, chore management, and financial literacy tools, allowing families to manage spending and savings in a controlled environment. The segment also encompasses white-label solutions for financial institutions, telecommunication companies, and other partners seeking to offer branded family banking services.

• Licensing and Partnerships: REGO monetizes its intellectual property and platform through licensing agreements, revenue-sharing models, and strategic partnerships. This segment targets banks, credit unions, FinTech firms, and other enterprises that prefer to integrate REGO’s technology rather than develop their own solutions. The company’s patented architecture, including age verification and hierarchical account controls, forms the foundation of these offerings, enabling partners to deploy compliant, family-friendly payment systems under their own branding.

REGO operates in the rapidly growing FinTech industry, where digital payments and mobile banking solutions are expanding at a compound annual growth rate (CAGR) of 11.2% in the U. S. alone. The company competes with established payment services such as Zelle, Venmo, PayPal, and FamZoo, as well as traditional banking and credit card providers. However, REGO differentiates itself through its focus on compliance, particularly COPPA and GDPR, which are critical for serving minors and families. Its patented technology, including age verification and hierarchical account controls, provides a competitive edge by addressing regulatory and security challenges that larger, more generalized payment platforms often overlook. Additionally, REGO’s white-label capabilities allow financial institutions to quickly deploy family-focused solutions without the cost or complexity of in-house development.

REGO’s customer base primarily consists of financial institutions, FinTech companies, and enterprises seeking to offer family-friendly digital payment solutions. The company has secured partnerships with notable firms such as Computer Services, Inc. (CSI), which integrates REGO’s white-label Family Wallet into its digital banking platform for over 500 financial institution customers. Another collaboration with Jack Henry & Associates extends REGO’s reach to approximately 7,500 financial institutions. Beyond these partnerships, REGO targets banks, credit unions, telecommunication vendors, faith-based organizations, and merchants with large family-focused account bases. Its platform also serves families directly, particularly parents and minors under 13, as well as aging adults through emerging products like Senior Guard, which addresses elder financial management.