NexaCards Whitepaper / Investor Overview

Mission: NexaCards bridges the gap between traditional banking and digital currency, creating a seamless experience that empowers users to manage, spend, and grow their money on their own terms. We believe financial freedom is a right, not a privilege, and provide the tools to make the most of your funds with flexibility, security, and global access.

Vision: Enable "no limits, anonymous transactions" for individuals and businesses. Facilitate effortless, secure, cost-effective transactions for shopping, crypto payments, international transfers, payroll, and more. Remove barriers from traditional banking—no bank account or credit checks required. Achieve global acceptance via millions of merchants and ATMs, with real-time app controls and transaction alerts. Provide flexible funding options, including crypto, and instant access via virtual or physical cards. One-Liner: "NexaCards turns cryptocurrency into fiat instantly on your NexaCard—without exchanges or high fees."

Key Pain Points

Limited banking access: 1.3B adults remain unbanked or underbanked, needing simple, fast, digital financial tools.

Expensive remittances: Global remittance fees and slow transfers hurt millions, especially those without easy payout options.

Crypto-to-fiat friction: Most users cannot spend crypto directly without high fees or manual conversions.

Privacy vs. compliance: Users seek financial privacy but face rigid KYC processes.

High FX & transaction fees: Frequent travelers, freelancers, and remote workers lose money through poor exchange rates and hidden fees.

Cumbersome onboarding: Traditional banking requires paperwork and credit checks; users demand instant, intuitive onboarding.

Market Size & Trends

Prepaid card market: ~$25B in 2024, projected to grow >10% CAGR.

Crypto card market: ~$5B in 2024, expanding 25%+ annually.

Remittances: ~$900B globally in 2024, with $685B sent to developing nations.

Digital inclusion: Rapid growth in mobile accounts and alternative payment adoption worldwide.

Opportunity Thesis: NexaCards bridges crypto freedom with real-world usability—offering instant access to funds, low fees, global acceptance, and privacy without banking barriers. Strong tailwinds in crypto payments, remittances, and financial inclusion position NexaCards as a high-growth, trusted, borderless financial platform for the next billion digital spenders.

Overview: NexaCards is a Reloadable stored-value (virtual or physical) crypto MC or Visa card platform allowing users to spend digital assets instantly anywhere Visa or Mastercard are accepted. It merges crypto flexibility with traditional finance, offering instant conversions, low fees, and full mobile control without requiring a bank account.

Key Card Features

Multi-Currency Support: Hold and spend fiat and 65+ cryptocurrencies (BTC, ETH, BNB, etc.).

Virtual, Plastic, Metal Cards: Options for online, in-store, or premium use.

Instant Crypto-to-Fiat Conversion: Automatic conversion at point-of-sale.

Global Acceptance: Works at millions of merchants and ATMs worldwide.

Low Fees & Competitive FX Rates: Reduces transaction and conversion costs.

Mobile App Integration: Real-time balance, transaction alerts, top-ups, and card controls.

Secure & Compliant: Regulatory-aligned KYC/AML and fraud protection.

Anonymous or Limited-KYC Options: Privacy-focused solutions where allowed.

Reloadable & Flexible Funding: Load via crypto, bank transfer, or partner networks.

Recurring Payments & Merchant Integration: Supports subscriptions, payroll, and business needs.

User Journey

Acquisition: Users find NexaCards via marketing, partners, or crypto communities.

Onboarding: Simple sign-up, KYC verification, card selection, and funding.

Daily Use: Instant spending, crypto-top-ups, real-time monitoring.

Retention: Loyalty programs, app notifications, low fees, flexible funding, and privacy options.

Onboarding Process

Sign Up: Create an account with email and mobile number.

Complete KYC Verification: Secure submission of identity documents.

Select Card Type: Virtual (instant) or physical (delivered).

Fund Your Card: Link bank account or deposit crypto/funds via secure channels.

Receive & Activate Card: Virtual cards activated instantly; physical cards shipped priority post within 5 business days.

Differentiators

Seamless, automatic crypto-to-fiat spending.

Broad cryptocurrency support (65+).

Privacy-first with optional limited-KYC.

Flexible card types + mobile app integration.

Low fees and competitive FX for global and cross-border use.

Key Differentiators: Automatic crypto-to-fiat anywhere. Wide crypto support & global usability. Privacy-focused, flexible KYC. Multiple card types + mobile app integration. Low fees & competitive FX, ideal for global use.

1) Chains & Token Standards

Primary Chain: Ethereum Mainnet

Token: $NEXA (ERC-20) with EIP-2612 permit (gasless approvals)

Stablecoin rails: USDT (ERC-20) for settlement and promotions

Future-ready (optional): Modular adapters to extend to L2s (Arbitrum/OP/Base) and EVM L1s. Bridge handled via canonical bridge or chain-agnostic messaging (e.g., CCIP/LayerZero adapter module).

2) Core Smart Contracts & Modules

NEXA Token (ERC-20 + Permit): Mint/burn restricted by AccessControl Pausable + snapshot (for on-chain voting weights)

Treasury (Multi-Sig + Timelock): DAO-controlled spending; queued via TimelockController

Staking / NexaVault: Lock $NEXA → earn yield + tier points (Bronze/Silver/Gold/Platinum) Configurable rewards (epoch-based); slashing disabled (consumer-friendly)

Tier Engine: Off-chain indexer reads on-chain stake/balance → computes tier; on-chain TierRegistry stores cryptographic commitments/merkle roots for zero-friction verification in app/point of sale

Cashback & Rewards Distributor: Distributor wallet funds → batched on-chain claims via Merkle proof (gas-efficient airdrops)

Governance (NexaDAO): Governor + Timelock (OpenZeppelin pattern): 20% quorum, 60% approval, 72h discussion → queue → execute

Partner & Merchant Registry: Whitelists partner merchants and associated reward multipliers

Card fee reductions for staking tiers.

Rewards for holding $NEXA.

Governance participation via DAO.

Partner ecosystem access and token drops.

🚀 NexaCards (NexaCoin) Official Roadmap

Phase 1 — Foundation & Development (Q3–Q4 2025)

Goal: Build the infrastructure and launch the presale with a strong brand presence.

Smart contract deployment on Ethereum Chain

Token Presale Launch (Private & Public Rounds)

Deployment of Secure KYC Portal and investor dashboard

Development of NexaCards App + Web Portal for card management

Integration of Cardholder Reward System and Tier-Level Incentive Model

Partnership setup with Payment Processors & Issuers for global NexaCard distribution

Initial marketing push — press releases, influencer onboarding, and social content wave

Viral "Own the Future of Spending" Campaign across X, TikTok, and YouTube

Phase 2 — Expansion & Community Growth (Q1 2026)

Goal: Build community trust and accelerate visibility.

Ambassador Program Launch — onboard finance, crypto, and lifestyle creators

Live Event Tour Series — "Spend Crypto Anywhere" pop-up experiences

Referral & Rewards System integrated within app (earn via sharing)

First batch of Physical NexaCards shipped globally

Exchange Listings (Tier 2 CEX + Uniswap)

Viral Push Campaign II — user-generated challenges and cashback videos

Strategic partnerships with eCommerce & travel brands to accept NexaCoin

Quarterly NexaBurn Program to maintain long-term value

Phase 3 — Ecosystem Utility Expansion (Q2–Q3 2026)

Goal: Create real-world and digital synergy between NexaCoin and NexaCards.

Tier-Level Incentive System Activated: Bronze: Standard Cashback Silver: Enhanced Rewards + Bonus Drops Gold: Travel Benefits + Early Access Platinum: Profit-Sharing & VIP Event Access Crypto-to-Fiat Conversion Bridge completed for instant settlements Business Card Integration for freelancers and corporate teams Launch of NexaVault Staking for token holders to earn yield & higher tiers In-App Market where users can redeem rewards using NexaCoin Launch of Nexa Academy — education hub for users and affiliates Phase 4 — Global Partnerships & Live Integration (Q4 2026) Goal: Push NexaCards into mainstream use and brand recognition. Major Sponsorships & Brand Collaborations (finance, gaming, travel) Live Events & Summits — Crypto + Lifestyle crossover expos Expansion into Latin America, Europe, and Asia Celebrity Ambassador Endorsements & Influencer Events Viral Push III: "Your Card. Your Chain." campaign targeting mainstream adoption Integration with DeFi platforms and NexaPay Gateway SDK for partner merchants Mobile Tap-to-Pay & NFC Card Launch Phase 5 — Full Ecosystem Maturity (2027 and Beyond) Goal: Long-term sustainability and innovation. NexaCoin DAO setup for community governance AI-powered Spending Analytics and Smart Financial Tools Nexa Business Suite for merchant onboarding Global ATM withdrawal integration and multi-currency wallet Cross-chain expansion beyond Ethereum Card NFT Tier System for collectible memberships Continued quarterly burns & holder reward distributions Strategic acquisitions or mergers to expand Nexa's fintech footprint 🌟 Core Vision NexaCards bridges traditional finance and blockchain freedom — enabling users to spend, earn, and grow seamlessly across both worlds. Every holder becomes part of a global financial revolution where your balance earns you more than just rewards — it earns you status.

Founder: Randy Waxman (President)

Advisors: OX Agency, Crypto and fintech experts.

Partnerships: Payment processors, card issuers, crypto liquidity providers.

Planned audits by top blockchain security firms.

Full KYC/AML for all users.

Custody: regulated wallets, LP locks.

Compliance with local and international financial regulations.

Raise Target: $10.8M

Allocation: Development: 25% Liquidity: 20% Marketing: 20% Rewards / Staking: 10% CEX / Partnerships: 10% Treasury / Reserve: 15%

Voting Power

Governance rights are determined by the number of $NEXA tokens held or staked.

1 $NEXA = 1 Vote, with weighted influence for higher-tier holders (Silver, Gold, Platinum).

Voting is available directly through the Nexa App and Web Portal, ensuring secure, on-chain participation.

Proposal System

Proposal Creation: Any holder meeting the minimum threshold of 1,000,000 $NEXA may submit a governance proposal.

Proposals may cover: Treasury spending initiatives Marketing fund allocations Exchange listing priorities Strategic partnerships Reward system modifications Card tier benefit updates Community Review Period: 72 hours of open discussion within the app and governance channels before voting begins. Voting Process Voting via $NEXA Token: Each token represents a direct voice in the project's evolution. Quorum Requirement: A minimum of 20% participation is required for any proposal to pass. Approval Threshold: 60% majority of votes in favor finalizes the proposal outcome. Automatic Execution: Once approved, DAO-approved actions are executed through multi-signature smart contracts tied to the Treasury wallet. Treasury Management

The Nexa Treasury is controlled by DAO-approved multisig wallets and used for: Marketing and viral push campaigns Ambassador & influencer compensation Community reward pools and staking incentives Live event sponsorships and product development Quarterly Transparency Reports will be published to outline all spending and performance outcomes. Tier-Linked Governance Incentives Bronze Tier: Access to view proposals and participate in polls. Silver Tier: Full voting rights + priority on community airdrops. Gold Tier: Governance proposal creation + early-access voting periods. Platinum Tier: Advisory Council eligibility and DAO subcommittee participation for strategic planning. Long-Term DAO Vision

As NexaCoin grows, governance will transition toward full decentralization, enabling autonomous community management of: Treasury disbursements Global partnerships Product expansions Future blockchain integrations The NexaDAO will serve as the foundation of financial innovation, rewarding those who not only hold — but help guide — the future of decentralized payments.

Not an offer of securities.

Crypto and card use involves risk; user funds may fluctuate in value.

Governed under UK and international law; forward-looking statements for informational purposes only