xLiquid: Revolutionising Banking and Payments

Bridging the Gap Between Traditional Finance and Web3.0

xLiquid is a blockchain banking and payments company building the next generation of financial services solutions on Web3.0

Your Money. Your Payments. Your Future.

xLiquid | Our Pitch | Custody and Payments

Limited Digital Asset Usability Despite the growing popularity of cryptocurrencies, their use in everyday transactions remains limited. Traditional payment systems are not equipped to handle digital asset transactions, creating a barrier for digital asset holders who want to use their assets for regular purchases

Complexity of Cross-Chain Transactions Transferring assets between different blockchain networks is often complex and requires technical knowledge, limiting the accessibility of cross-chain transactions for the average user

Lack of Incentives Traditional payment systems rarely offer meaningful incentives for users. The lack of rewards or benefits can make these systems less appealing to consumers

Slow and Expensive Transactions Traditional banking systems and even some blockchain networks suffer from slow transaction times and high fees, especially for cross-border transfers

Macro-Economic Volatility Fluctuations in traditional currencies due to macro-economic factors can erode the value of users' assets and savings, creating a need for more stable and reliable forms of value storage

Lack of Trust in Traditional Financial Institutions Many consumers have lost trust in traditional banks and financial services due to issues like lack of transparency, data breaches, and poor customer service. This has led to a growing demand for more secure, transparent, and user-friendly alternatives

The Challenges in Todays Financial Services Landscape

xLiquid: How We Evolve Past Traditions

xLiquid | Our Pitch | How We Evolve Past Traditions

Our Five Pillars

Seamless Crypto Transactions Liquid enables users to easily use cryptocurrencies for everyday transactions, bridging the gap between crypto and traditional finance. With Liquid, users can pay with crypto just as easily as they would with fiat currencies

Simplified Cross-Chain Transactions Leveraging the power of the Flare Network, Liquid simplifies the process of transferring assets between different blockchain networks. Users can easily swap and transfer assets without needing any technical knowledge

Incentive Program Liquid offers a unique incentive program that rewards users with Liquid tokens ($LIQ) for transactions over a certain value, making payments more rewarding. There is even tiered rewards for our Liquidollars ($LQD) stablecoin holders

Fast and Affordable Transactions With the Flare Network's high-speed, low-cost transactions, users can enjoy fast and affordable swaps and payments

Protection from Macro-Economic Volatility By enabling users to hold and transact in cryptocurrencies, Liquid Wallet provides a hedge against macro-economic volatility that can affect traditional currencies. We will also provide insurance services against bad market players

Trustworthy and Transparent Liquid, utilising the transparent and secure foundations of blockchain technology, offers a trustworthy alternative to traditional financial institutions. Users can have full confidence in the security and transparency of their transactions

Liquid Blockchain Banking:
A Revolutionary Solution

Liquid mBank: Empowering Users with Seamless Crypto Transactions

Liquid: A Two-Token Economy Solution

xLiquid | Our Pitch | Two-Token Economy and Payment Incentivisation Program

Liquid:
Launching to the World

xLiquid | Our Pitch | Launching To The World

Targeted Marketing Utilize multi-channel digital marketing campaigns from leading agencies such as social media advertising, SEO, and content marketing to reach potential users for Liquid Mobile Banking and the launch of our two-token economy! We will also use location based marketing for regionally specific product launches

Partnerships Form partnerships with other prominent financial services and blockchain-focused businesses in the ecosystem to reach their user bases. Our existing partnerships include Fireblocks and S-PRO and we are targeting Flare Network, Ripple, Standard Chartered, Valiant Bank, Sygnum Bank and more

Community Building Build a community around Liquid through social media, online forums, and other platforms. Engage with the community through regular updates and direct networking with existing associations such as BCUE and other known communities in and outside of Web3.0

Influencer Marketing Collaborate with influencers in the crypto and finance spaces to reach their audiences and gain credibility

User Education Provide educational content to help users understand how to use Liquid Mobile Banking and the benefits it offers. This could include tutorials, blog posts, webinars, and other educational resources such as consumable microlearning on topics such as economic volatility and regulation

These strategies will help to build awareness of Liquid, attract users, and establish Liquid as a leading solution for managing digital assets

Product Suite: The Road Ahead

xLiquid Bank Account Multi-Wallet Screen Mockup.png

Product Suite:
Evolutions

Product Suite:
Revenue Generation

Liquid mBank

Transaction Fees Liquid charges a small fee for each transaction made using the Liquid Debit Card and other means of payments

In-App Swaps Liquid charges a small swap fee when exchanging one digital asset for another within the wallet, this includes that automated swap when using crypto to fiat payments

DeFi A charge is applied for the facilitation of decentralised finance and investment solutions such as wrapping, staking and crypto-backed loans

Two-Token Economy Our native tokens $LIQ and $LQD will form an ecosystem that generates revenue even outside of the Liquid application via liquidity provisions, market making and external DeFi

Phase 2 and beyond

LiquiDEX The Liquid Decentralised Exchange (DEX) will charge a fee for digital asset exchange and liquidity pooling

xBorder The xLiquid cross-border remittance service will charge a transaction fee for international payments and transfers

Enterprise Services and Investment Management Solutions xLiquid Enterprise will generate monthly revenue for banking, ERM, Investment and Portfolio Management solutions. Think Bloomberg on Web3.0

Expected Growth and Revenue

Year 1: Bootstrapping and Product Development
Revenue: Primarily from in-app swaps and token economy. Assuming a small transaction fee for each swap and a successful token economy launch
Cost: This includes development, operational costs, and minimal marketing expenses

Year 2: Growth and Product Launches
Revenue: With an uptick in payments and the release of the DEX product and cross-border payments for enterprise, income should increase significantly
Cost: Operational costs will increase to support new products and launches

Year 3: Expansion and Enterprise Adoption
Revenue: With the launch of enterprise investment management products and increased payments and DeFi income, revenue should see a drastic increase as xLiquid becomes a key market player
Cost: Costs will increase as we scale our operations to support the growing user base and product offerings

Reference Data
Transaction Volumes: Assuming a rapid increase in transaction volumes as user adoption grows. Starting from a few thousand transactions per day in Year 1 to several million transactions per day by Year 3
Market Capture: Aiming to capture a significant share of the global cryptocurrency wallet market, which is expected to reach $3.25 billion by 2025. With aggressive marketing and partnerships, you could aim to capture up to 5% of this market by Year 3
Trending Move to Web3.0: As more businesses and consumers embrace blockchain technology and cryptocurrencies, the demand for new age financial services is expected to dramatically increase along with associated fees
Exchange Fees: Assuming a small fee for each in-app swap and DEX transaction. This will be a major source of revenue as transaction volumes increase with market expansion and Flare Network adoption
Increasing Usage: With the launch of new features and products, user engagement and transaction volumes are expected to increase quickly and significantly

Expected Growth
and Revenue:
Explained

The Expanding Market for Digital Wallets and Blockchain Solutions

Cryptocurrency Adoption Over 100 million global cryptocurrency users and growing rapidly, representing a significant market for digital asset wallets

Crypto Payments Demand Rising demand for crypto push payment solutions as more businesses accept cryptocurrencies

DeFi Interest Explosive growth in DeFi, with over $100 billion locked in DeFi protocols and increasing need for Web3.0 financing and investment solutions

User-Friendly Crypto Tools Significant market opportunity for user-friendly tools that make cryptocurrencies accessible to the next billion users worldwide

Transaction Banking and Payments Market Global transaction banking market projected to reach $23.2 billion by 2026 and digital payments market to reach $154.1 billion by 2025 - Central Bank Digital Currencies (CBDCs) integration expected in 2024

Positive Blockchain and Crypto Sentiment Increasing recognition and positive sentiment towards blockchain technology and cryptocurrencies

These trends highlight the significant market opportunity for Liquid Wallet, which is well-positioned to capture a significant share of this growing market as we target the higher demand areas of interest