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Transaction ID: 2833309 Date of transaction: 27.08.2025 12:23 Amount: 0.3 USD Note: Викторина в чате Profit-Hunters BIZ

Transaction ID: 2832791 Date of transaction: 26.08.2025 17:37 Amount: 0.1 USD Note: Викторина в чате Profit-Hunters BIZ

Спасибо за викторину! ID операции: 2833333 Дата операции: 27.08.2025 15:24 E058625 - E029*** Сумма: 0.1 USD Примечание: Викторина в чате Profit-Hunters BIZ

На ваш баланс зараховано кошти. ID операції: 2833337 Дата операції: 27.08.2025 12:24 Сума: 0.1 USD Примітка: Викторина в чате Profit-Hunters BIZ

На ваш баланс зараховано кошти. ID операції: 2832782 Дата операції: 26.08.2025 17:36 Сума: 0.1 USD Примітка: Викторина в чате Profit-Hunters BIZ

Operation ID: 2833787 Operation Date: 28.08.2025 Status: Proceed Immediately Sender's Account: ePayCore E029772 Amount: $6.98 USD Note: Withdrawal to HyipsClub from Crypto Botics Limited

Спасибо за рефбек Selwix от Profit Hunters На ваш баланс зараховано кошти. E0002 - E011*** ID операції: 2833565 Дата операції: 28.08.2025 02:51 Сума: 3.4 USD

Payment Confirmation Your withdrawal has been processed instantly. Transaction ID: 2833690 Date: 28.08.2025 Amount: $10.98 USD Note: Withdrawal to SecureInvestment from Crypto Botics Limited.

Transaction ID: 2833521 Date of transaction: 27.08.2025 20:30 Amount: 50.59 USD Sender account: E029772 Note: Withdraw to Trade from Crypto Botics Limited

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Paid us 24.90 USDT : (Aug-27-2025 07:17:49 AM UTC) https://bscscan.com/tx/0xe4366a95e9265f97c545ff9db6945d896ba47e24440cab96f4902a310c1dc83a

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Instant! Funds have been credited to your balance. Transaction ID: 2833404 Date of transaction: 27.08.2025 15:51 Amount: 50.84 USD Payment system ePayCore E029772 Note: Withdraw to XtraProfit from Crypto Botics Limited

RCB от Profit-Hunters ID операции: 2833365 Дата операции: 27.08.2025 13:32 Сумма: 2.5 USD

Спасибо за рефбек по проекту Selwix Funds have been credited to your balance. *Transaction ID:* 2832609 *Date of transaction:* 26.08.2025 13:24 *Amount:* 0.85 USD

ID операции: 2833328 Дата операции: 27.08.2025 12:24 Сумма: 0.2 USD Примечание: Викторина в чате Profit-Hunters BIZ

Revo AI Bank RevoAI Bank: The 5th Financial Banking Revolution – Bank 5.0 1. Executive Summary 1.1 Vision & Mission RevoAI aims to create a secure, scalable platform that integrates advanced artificial intelligence (AI), machine learning (ML), and blockchain to deliver personalized financial services and professional development tools. Our mission is to empower individuals and businesses to navigate AI-driven economic changes by combining fintech efficiency with skills enhancement, promoting augmentation over displacement. We envision a hybrid ecosystem—"Bank 5.0"—where financial stability and career growth are interconnected, fostering long-term user value in a responsible manner. 1.2 The Problem Traditional banking relies on outdated systems, leading to high costs, inefficiencies, and limited personalization. The rise of AI and ML exacerbates skills gaps, with projections indicating 85 million jobs displaced by 2025 (World Economic Forum). Current fintech solutions, like siloed Buy Now, Pay Later (BNPL) platforms, often overlook long-term user relationships, resulting in higher defaults and missed opportunities for holistic support. Regulatory fragmentation and ethical concerns around AI further complicate adoption, while blockchain's potential remains underutilized due to integration challenges. 1.3 The RevoAI Solution RevoAI offers a modular platform starting with an AI-enhanced BNPL service as our minimum viable product (MVP), expanding into a full digital banking suite with skills development tools. We leverage ML for credit assessment, blockchain for transparent transactions, and "human-in-the-loop" oversight for ethical compliance. This phased approach ensures early revenue while building a defensible ecosystem, differentiating us through verifiable skills profiles and tokenized rewards. 1.4 Market Opportunity The global BNPL market is projected to reach approximately $911.8 billion by 2030, growing from $492.8 billion in 2024 at a CAGR of about 13%. AI in banking is expected to grow from $26.7 billion in 2025 to $339.1 billion by 2034, with a CAGR of around 32%. Blockchain technology is forecasted to expand from $32.99 billion in 2025 to $393.45 billion by 2030, at a CAGR of 64.2%. The lifelong learning market, crucial for addressing AI-induced skills gaps, is valued at around $375 billion in 2023 and projected to reach $750 billion by 2033. RevoAI targets these intersections, aiming for a 0.1-0.5% market share in BNPL and AI-fintech hybrids within five years. 2. Market Problem and Competitive Landscape 2.1 Legacy Banking Inefficiencies Outdated mainframes and manual processes inflate costs by up to 30% and hinder adaptation to digital-native users. Cross-border payments via SWIFT remain slow and expensive, while compliance burdens small firms disproportionately. 2.2 BNPL Limitations While popular, providers like Klarna and Affirm focus on transactions, with limited AI integration for risk or user retention. Defaults average 5-10%, and they lack ecosystems linking finance to professional growth. 2.3 AI-Driven Skills Gap With 85 million jobs at risk, verifiable skills assessment is critical. Existing platforms (e.g., LinkedIn Learning) are siloed, ignoring financial data for holistic profiles. 2.4 Competitive Analysis RevoAI differentiates from BNPL leaders (Klarna with AI chatbots, Affirm with crypto integration) by embedding ML-driven skills tools and blockchain tokenization. Unlike DeFi platforms (Aave), we prioritize regulatory compliance. Our hybrid approach addresses gaps in ethics and scalability, positioning us in a fragmented market. 3. The RevoAI Solution: Phased and Defensible Approach Our strategy emphasizes iterative development, starting small to validate assumptions and generate revenue. 3.1 Phase 1: AI-Enhanced BNPL MVP Launch a BNPL service with ML-based credit scoring (analyzing 100+ data points for 40% improved accuracy). Partner with 5-10 e-commerce merchants; reward timely payments with Aptitude Tokens for user retention. 3.2 Phase 2: Ecosystem Expansion Introduce Aptitude Catalyst: ML-powered skills engine for assessments and recommendations. Use blockchain for verifiable "Skills Passports," integrating financial data for personalized advice. 3.3 Phase 3: Full Digital Banking Roll out lending, global payments (blockchain-disrupted SWIFT), asset tokenization, and insurance. Migrate to custom protocol for full decentralization, with AI risk engines reducing defaults by 75%. 4. Technology & Infrastructure 4.1 Blockchain Foundation Hybrid model: Leverage Solana for MVP speed, transitioning to RevoAI Protocol with Proof-of-Stake for efficiency. Focus on interoperability to avoid silos. 4.2 AI/ML Stack Credit Engine: ML models for real-time assessments, reducing fraud by 73%. Aptitude Catalyst: NLP and analytics for skills profiling. Human-in-the-Loop: Ensures ethical oversight, addressing biases. 4.3 Integration Strategy Acquire DCapX code for exchange features; comply with PCI-DSS, GDPR, and emerging AI regs. 5. The Team Matt Kelly (CEO): 20+ years in business and talent management. Roger Scott (Inventor & Founder): Executive with tech innovation expertise. Peter Nguyen (Tech Lead): AGI/ML specialist from UNSW. Robert Kassel (Marketing): Experienced in tech launches. Supported by advisors in fintech regulation and blockchain. 6. Tokenomics 6.1 RVAI Token (Security) Issued via STO; represents equity-like stake with profit-sharing. Total supply: 100M; allocation: 40% investors, 30% team/vesting, 20% ecosystem, 10% reserves. 6.2 Aptitude Token (Utility) Deflationary (burn mechanism); earned via payments/milestones, used for premium features. Supply: 1B; focuses on utility to avoid volatility. 7. Regulatory Strategy 7.1 Compliance Focus Target friendly jurisdictions (e.g., the UAE, the US, EU, Singapore with AI Act). Use sandboxes for testing; incorporate explainable AI to meet transparency requirements. 7.2 Challenges and Mitigation Address biases (audits), data privacy (GDPR), and crypto scrutiny (SEC hybrid models). Human oversight minimizes risks. 8. Financial Projections Based on conservative assumptions (5% BNPL penetration in target markets): Revenue: $19.8M (2025) → $133.2M (2029), CAGR 61%. EBITDA: $10.1M → $83M (margin 51% → 62%). Funding Ask: $10M STO for Phase 1; ROI potential 5-10x via IPO/RTO by Year 5. 9. Risks and Mitigation Technological: Integration failures; mitigated by hybrid blockchain and pilots. Regulatory: Delays; proactive engagement and compliance tools. Market: Competition; differentiated by AI-skills fusion. Financial: Volatility; diversified revenue (subscriptions 60%, fees 40%). SWOT: Strengths (ethics focus); Weaknesses (early-stage); Opportunities (market growth); Threats (reg changes). 10. Roadmap Timeframe Milestones Year 1 (2025) Secure $2M funding; BNPL MVP launch; 50K users. Year 2 (2026) Scale BNPL; Aptitude Catalyst beta; profitability. Year 3-4 (2027-2028) Full suite rollout; protocol migration; $50M revenue. Year 5+ (2029+) IPO;global expansion; $100M+ revenue. 11. Conclusion RevoAI bridges fintech and skills development with ethical AI and blockchain, delivering meSPAM BANble value in a growing market. We seek partners for this journey—contact us at info@revoaibank.com to invest or collaborate. Website: https://revoaibank.com X/Twitter: https://x.com/revoai_bank Email: info@revoaibank.com YouTube: https://www.youtube.com/@revoaibankofficial Full Document: https://linkbio.co/revoaibank

Спасибо за викторину! Transaction ID: 2833350 Date of transaction: 27.08.2025 12:25 Amount: 0.1 USD Note: Викторина в чате Profit-Hunters BIZ

Funds have been credited to your balance. *Transaction ID:* 2833327 *Date of transaction:* 27.08.2025 12:24 *Amount:* 0.2 USD *Note:* Викторина в чате Profit-Hunters

Date and time 27/08/2025 15:24 Top-up + 0.1 USD Completed Payment system ePayCore E058625 Batch 2833330 Comment Викторина в чате Profit-Hunters BIZ Спасибо!

Спасибо за бонус На ваш баланс зараховано кошти. E001* — E011* ID операції: 2833349 Дата операції: 27.08.2025 12:25 Сума: 0.1 USD Примітка: Викторина в чате Profit-Hunters BIZ

Спасибо На ваш баланс зачислены средства. ID операции: 2833307 Дата операции: 27.08.2025 12:23 Сумма: 0.3 USD Примечание: Викторина в чате Profit-Hunters BIZ

Funds have been credited to your balance. Transaction ID: 2833331 Date of transaction: 27.08.2025 12:24 Amount: 0.1 USD Note: Викторина в чате Profit-Hunters BIZ