About Alpha ePay

Alpha ePay is operated by Alpha Group Management Pty Ltd ("The Company", "Alpha Management") an Australian company incorporated in 2019

The primary role of Alpha Management is to:
1) Administer the Alpha ePay User Agreement.
2) Market and promote participation in the Alpha ePay and the Alpha Program to businesses and individuals.

The primary responsibility of Alpha Management is prudent and collateralised extension of interest free Alpha dollar credit.

The Alpha ePay Business Model and the Alpha eMarket Business Model form the basis of the Alpha Economic Model.

Alpha ePay Business Model

Alpha ePay is founded and extends upon proven and successful business models, evidencing proof of concept and offering many of the characteristics, features, benefits, and functionalities of:
▪ payment processing style models like Amazon Pay, PayPal and Ali Pay
▪ added value reward processing style platforms like Fly Buys and Woolworths Rewards
▪ alternative currency payment processing style platforms like Bartercard and Qoin
▪ dual currency payment platforms like the WIR Bank, all rolled into one centralised platform.

Overview

Alpha ePay is an evolving new age core banking quadrual currency transaction processing platform. It enables members to record sales and purchases where payment is transacted on a Australian dollar ("AUD"), Alpha gold dollar, Alpha reward dollar, and or Alpha silver dollar payment basis. ("Alpha dollars")

Stage One
Alpha ePay incorporates the Alpha Customer Loyalty Reward Program ("Alpha Program") and offers users administration, recordkeeping and interest free financing services. Listings promoting users offerings and displaying the percentage of Alpha dollars accepted or rewarded will be displayed on the Alpha eMarket.

Stage Two
Stage Two will incorporate the ability for users to transmit funds from their Alpha ePay AUD Account to others with Alpha ePay AUD Accounts similar to the way they can in PayPal when the necessary licences have been obtained.

Transmitting Funds

Transactions can be recorded and funds transmitted via the use of a mobile device and or through the use of an Alpha Point of Sale Application.

Proof Of Concept

The concept of Alpha ePay is not new with heavyweights such as Alipay (1.3 billion active users), Amazon Pay (100 million active users) and PayPal (435 million active users) dominating the marketplace.

A similar model to Alpha ePay called the WIR Bank has been operating in Switzerland since 1934 and it reports that 25% of Swiss businesses subscribe to its services.

The size of their user bases testifies to the market acceptance of these models as mechanisms for buyers to record purchases and transmit funds.

What is new is the fact that Alpha ePay provides buyers with the ability to record sales and purchases transacted through quadrural transactions (much like the WIR Bank) on a AUD, Alpha gold dollar, Alpha reward dollar and Alpha silver dollar payment basis and use the Alpha silvers dollars as a reward to incentivise purchases paid for with Cash -Based and Crypto-Based payment methods through the Alpha Customer Loyalty Reward and Interest Free Finance Program. ("Alpha Program")

The concept of the the Alpha Customer Loyalty Reward Program ("Alpha Program") is also not new with over eighty percent of the adult populations of Australia, Canada, New Zealand, USA and the UK already participating in a variety of similar models.

What is new is the fact that Alpha ePay provides users with the ability to borrow the Alpha dollars interest free and pay them back with Alpha dollars received for free as a reward or from selling unwanted items or providing services to other users on a part AUD, part Alpha silver dollar payment basis through listings in the Alpha eMarket.

Competition

There is no known core banking style solution that offers triality currency (AUD, Alpha gold dollars and Alpha silver dollars) payment recordkeeping inclusive of an added value Customer Loyalty Reward and I nterest Free Finance Program like Alpha ePay and the Alpha Economic Model.

Market Timing

The current economic crisis led by a shortage in the supply of fiat currency in circulation has opened the door for businesses to be more open minded to platforms that can assist them gain a competitive advantage to improve their bottom-line profits

Market Potential

The potential of the Alpha ePay and the Alpha Program is far greater than that of the discount platform Groupon that reached a one-billion-dollar valuation after 1.46 years after commencing operation.

In 2011 Groupon was recognised as the fastest growing company ever valuing at over one billion dollars in 1.46 years from founding.

Given the economic benefits that businesses and individuals can realise through participation in Alpha ePay and the Alpha Program and the market approach to be taken we can see no reason why Alpha ePay cannot archive similar recognition as Groupon.

Market Approach

The growth of the Alpha eMarket and Alpha ePay membership bases will be driven by Alpha Management.

Forecast growth figures for businesses and individuals are displayed below.

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Year End	No. Businesses	No. Individuals
One	1,620	397,080
Two	3,240	1,078,920
Three	4,860	1,778,760

White Labeled Licences

An opportunity exists for entrepreneurs to purchase a white label licence of the Alpha eMarket and Alpha ePay.

▪ Substantial Income Potential
▪ Proven Concept
▪ Multiple Revenue Streams
▪ Extensive Training
▪ Continuous Support
▪ Equitable License Investment

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