HellOOPay

HellOOPay
MSMEs M-Trading
platform

Leverage Ethiopian MSMEs

Create 60 000 Jobs via a close loop market
dedicated to the MSMEs

Copyright © 2023 BelCash. All rights reserved | 1

Disclaimer HellOOPay

The contents of this document are strictly private and confidential. No representation or warranty or undertaking is given by any party, expressed or
implied, as to the accuracy or completeness of the contents herein or as to the achievement of any particular outcome or performance referred to
herein. Indications of possible future outcomes or performance are to be regarded as illustrative only, but do not constitute forecasts. Nothing
contained herein forms the basis of nor constitutes part of any investment decision or any other decision or agreement which may be entered into by
any party. This is NOT a prospectus. The basis and terms of any agreement will only be those set out in any formal legal agreements duly entered into.
In accepting receipt of this document, the receiving party agrees not to replicate the proposed arrangement, approach any of the parties directly or
indirectly and will not circumvent any of the parties in any manner.

Introduction
Our goal is to create 60,000 jobs through the establishment of a closed-loop market exclusively dedicated to Micro, Small, and Medium Enterprises
(MSMEs). This innovative platform will enable MSMEs to thrive by providing them with opportunities for growth and expansion. By connecting these
businesses with customers, suppliers, and service providers, we aim to stimulate job creation and economic development. This close-loop market will
foster entrepreneurship, innovation, and collaboration within the MSME sector, ultimately leading to the creation of thousands of new jobs.

Copyright © 2023 BelCash. All rights reserved | 2

Executive
Summary HellOOPay

• BelCash has successfully developed and tested innovative payment and m-trading platforms in Ethiopia since 2020. These platforms have enabled
the extension of loans to Micro, Small, and Medium Enterprises (MSMEs) and facilitated payments amounting to over 5 Billion USD. Our advanced
technology has been specifically designed to cater to the needs of low-income individuals and recognized by UNCDF.

• The MSMEs economy segment in Ethiopia presents a highly attractive opportunity. However, it is currently underserved despite its immense profit
potential. It is important to note that this segment carries significant risks and is often misunderstood. Many new entrants may achieve some level
of success but fail to tap into the highly lucrative trader segment within the MSMEs.

• According to IFC research in 2018, the funding gap in Africa of MSMEs is estimated at $331 billion. Our thesis is based on the belief that providing
more than just micro-loans to the MSMEs, by also enabling their customers to access payment facilities, will be a game-changer. This innovative
approach offers several advantages, including a faster route to market entry and reduced risk exposure by directly lending to the MSMEs. By
leveraging our platform, stakeholders can efficiently evaluate the viability of indirectly funding the MSMEs with a viable business model.

• In summary, BelCash's innovative payment and market platforms have demonstrated success in Ethiopia, and we recognize significant
opportunities in addressing the needs of the underserved MSMEs economy segment. Our strategy of enhancing purchasing power for the
Ethiopian middle class through a Buy Now Pay Later approach, specifically designed for MSMEs, will make a substantial impact in the sector. By
providing MSMEs with a closed-loop market, we aim to significantly increase job creation. Leveraging our platform, stakeholders can effectively
assess the feasibility of funding MSMEs with a viable business model, creating positive outcomes for all parties involved.

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The
Opportunity HellOOPay

• HellOOPay is a mobile trading platform that aims to empower the Ethiopian economy by creating an ecosystem that harnesses the potential of the
MSMEs. The core principle of HellOOPay revolves around providing supplier credit to middle-class workers and regular businesses through a
dedicated app. This app exclusively caters to services and products offered by MSMEs, who operate mainly at street level, such as street vendors,
independent workers, motorcycle taxi drivers , corner shops, barber shops, etc.

• With the HellOOPay app, public servants, middle-class workers and regular businesses with consistent income streams can make purchases using
the Buy Now Pay Later feature. It's important to note that this app allows users to exclusively buy goods and services from the MSMEs who will be
instantly paid. Consequently, the platform indirectly extend the credit lines from the end users to the SMEs, thereby increasing their income.
Additionally, this platform enhances the contribution of the MSMEs to tax revenue and improves their creditworthiness for accessing regular loans.

• By providing supplier credit, HellOOPay facilitates trade, stimulates economic activity, and supports local businesses. This not only promotes
financial inclusion but also contributes to overall economic growth. Helloopay would like to pilot it with the public servants and extend them a 2
Billion ETB supplier credit line.

• The HellOOPay app functions as a digital m-trading platform and shares similarities with WeChat Pay in China. Beneficiaries can access a wide
range of tailored products and services sold by the MSMEs at their location. It offers a seamless and convenient experience, enabling users and
suppliers to make purchases and manage payments all in one place.

• Through its innovative approach, HellOOPay aims to drive digital transformation in Ethiopia. It unlocks opportunities for economic growth,
empowering individuals and businesses to thrive within the national market.

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The
Proposition HellOOPay

• It is a ready-to-go “m-trading in a box” solution that seamlessly provides supplier credit to the middle class and Regular Businesses, the supplier
credit can be goods or services exclusively provided by MSMEs. The platform is open to the different Ethiopian financial institutions, and we would
suggest to pilot it with the Commercial Bank of Ethiopia.
• The founders bring with them a strong proof of concept from their experience in the payment industry and the m-trading industry in Africa and
North America.
• Our platform already exists and is operational in one out of the proposed markets. It offers comprehensive management, product development,
underwriting, and cash flow solutions to facilitate smooth operations. The technology has been rigorously tested and proven effective in specific
Ethiopian market .
• Now, our objective is to expand the offering to all public servants. We aim to work with the Ministry of Labor and Job creation under a Public
Private Partnership and all other relevant stakeholders.
• To provide a clear overview of our offering, the next slide summarizes the key features and advantages of our ready-to-go “m-trading in a box”
solution.

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M-Trading Platform HellOOPay

HellOOPay Supplier Credit: Instant supplier credit FRONT END UX/UI

M-Trading BNPL Stack

Our digital supplier credit -box dedicated to support a close loop group (
MSMEs) by providing supplier credit to solvable end users who can only PROGRAM MANAGEMET
use their credit line to purchase from the MSMEs.
M-TRADING

HellOOPay : Direct Payment Platform PAYMENTS

Robust payment solution, catalyzing swift, secure financial transactions for CAPITAL RELATED SERVICES
individuals and businesses integrating existing payment services.
COMPLIANCE & RISK

TRADING LICENSE
HellOOPay: International Payment platform
Integrates international remittance corridors to instantly allow
international payments to the MSMEs.

Integrated Online Market Platform

A complementary online marketplace that connects buyers with MSMEs to
buy and sell products and services online.
Sponsor Bank 1 Sponsor Bank 2 Sponsor Bank 3

Enhanced Credit Scoring Platform

Internal credit scoring, creates an automated risk profile for SMEs and
M-Trading BNPL
their Customers.
Full-service M-Trading with a BNPL
Suppliers
option s igniting a Trading and Banking
Revolution in Africa, advancing financial
Ambassador Engagement inclusion, and powering the Hustler
A team of SME facing Ambassadors, enrol and provide guidance to (Informal ) Economy.
MSMEs to self-manage their digital enrolment.
Consumer (s) Copyright © 2023 BelCash. All rights reserved | 6
M-Trading Platform HellOOPay

Public servants now have the convenience of accessing any

MSME, registering on the platform, and using their phones to
place orders for whatever they require.

2 Billion ETB extra income for the MSMEs ,

creation of more than 100 000 Jobs

MSMEs receive immediate payment for their

goods or services, with a reasonable fee
Financial Institutions provide
deducted.
credit line.

Fees generate additional income for banks

and contribute to tax revenue.

Financial Institutions are repaid. The public servant will repay their loan at
the end of the month through automatic
deductions from their salary.

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Illustration HellOOPay

The public servant is registered on the platform.

1

The public servant is informed about the credit

1 1 available with the MSMEs suppliers.
2
Public servants now have the convenience of accessing
any MSME, registering on the platform, and using their
2 2 phones to place orders for whatever they require.
3

MSMEs receive immediate payment for their goods or

services, with a reasonable fee deducted.
3 3 4
The public servant will repay their loan at the end of
the month through automatic deductions from their
salary.
5
4 4

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Conclusion HellOOPay

• A strategic approach have been developed by BelCash Team & Partners to efficiently develop the highly profitable MSMEs trader segment. Their
contributions include valuable technology, cutting-edge products, and a proven track record with operational MSMEs businesses. Additionally, the
senior team brings extensive experience, ensuring the successful execution of this venture.

• Recognizing the importance of scale for new entrants to capitalize on this opportunity, the new venture will secure all necessary funding and
resources necessary to deploy the platform.

• To expand the Network into Ethiopia, Sponsor Banks will facilitate the funding options of the loans and be DE risked by the salaries of the
Beneficiaries .

• These Funding facilities will be used to provide supplier credit to customers having a regular income that can exclusively use it to purchase from
MSMEs , to make the platform attractive for the Ethiopian Financial institutions the MSMEs a reasonable fee will be applied to the MSMEs ( we could
consider it similar to a US credit card)

• An initial pilot will be done with a revolving fund of 2 Billion ETB.

• By acknowledging the importance of incentivizing sponsor banks, we have carefully analyzed multiple strategies to ensure that their contributions
and support are duly recognized and rewarded. The proposed approaches are now available for further exploration and discussion.

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 HellOOPay

Thank you!
One Journey. One experience. One Market for the MSMEs

Contact Address
Addis Ababa , Ethiopia
web Address
Belcash.com
Contact Number
+251 912501133

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