Let’s know if you are working with a business and would like to get their business data to asses their financial health using tokens. Please reach out to us at help@paypie.bb.

We send you our warmest regards and wish that next year will bring you and your family endless happiness and prosperity. Don't forget to enjoy the prized moments that make this time of year so special! Wishing you a joyful and memorable holiday season!

To our valued supporters, 5N3 Inc., formerly PayPie Blockchain Inc. (“PayPie”), made a rescission and restoration offer to Eligible Purchasers (as defined in the Offering Memorandum dated June 7, 2019) where Eligible Purchasers who were residents of Canada, the United States, or Barbados were required to accept the Rescission Offer. We launched the live Platform with the required functionality on September 30, 2019 in accordance with the milestones set out in our Updated Whitepaper. All milestones mentioned in the updated whitepaper that was sent with the rescission offer were completed as per the original vision of PayPie, enabling you as a token holder to use your PPP tokens as we had envisaged. As a token holder, you get more value on the platform by paying in PPP. Not only is using PPP Tokens less expensive than using fiat to access the Platform, but it also allows us to work with our supporters. We have requested multiple times to the community to use the tokens to access the Platform ecosystem. Unfortunately, we have seen little interest from the token holders even after offering huge discounts. Given the landscape that has developed over the past several years regarding utility tokens in the financial sector, our institutional clients have similarly expressed no interest in using tokens on the Platform. We have learned that most businesses are not yet ready for the wider adoption of PPP because of the risks associated with using crypto. We understand that institutional clients are also reluctant to engage with PPP due to the complexities of managing and safeguarding wallets and private keys. We have found that there are significant concerns around complexity, security, and barriers to the adoption and usage of crypto on a platform by a business user. Exacerbating these issues, the Liquid exchange where the PPP token was listed in 2020 decided to delist the PPP tokens with effect on September 8, 2022. In light of the current environment and challenges, including the forgoing lack of interest from current token holders as shown in our latest survey and our clients, PayPie hereby offers to repurchase Eligible Tokens from Holders in consideration for the Repurchase Price in accordance with and subject to the Terms mentioned in the Repurchase Offer. Complete instructions about Repurchase Offer are available at our website https://www.paypie.bb and the deadline to accept this offer is November 10, 2022. PPP tokens can be used to pay for the fee on the PayPie platform. Paying for the financial data access fee through tokens would be 25% cheaper than fiat and deliver better value for our supporters. Since its launch, the platform has become better, supports more integrations, and could be used to determine the true financial health of a business based on almost real-time data using tokens as previously informed. PayPie will continue to monitor the usage and adoption of the PPP tokens on the platform and will review them in the future to determine if the market is ready to accept the innovation. If the situation does not improve and no significant market adoption happens, we may decide not to support token usage on the platform. If you need any help in using tokens on the platform or would like to work as a partner to increase token use on the platform, please reach out to us at help@paypie.bb. Future company and product updates will be available on the website https://www.paypie.bb .

PayPie Updates While central banks are stepping up efforts to curb inflation, the global economy is buckling under multiple strains, from supply chain issues in China to rising food prices, our team has been busy building and improving the product features that our customers might need. PayPie technology delivers accounting data to SMB lenders and fintechs as a single API to help them make faster and better decisions. Those decisions may be around helping clients with working capital, business planning, or strategy. We have been informed by Liquid exchange that they will be delisting PPP tokens with effect on September 8, 2022. If you already own PayPie tokens, they can be used to pay for the fee on our business platform. Paying for the financial data access fee through tokens would be 25% cheaper than fiat and deliver better value for our supporters. If you need any help in using tokens on the platform, please reach out to us at help@paypie.bb. We are surprised by the lack of support from the community to use the tokens on the platform. To help us understand better and plan future roadmap, please participate in a short survey using the link below. https://forms.gle/AAEQFEoPwpZgyifBA We were anticipating better adoption of our technology but the response has been poor. As the global economy may be headed for a recession and experts paint a pessimistic picture, we continue and look forward to improving our technology to understand the financial health of SMBs better. #GoPayPie

PayPie Updates Our product, data, and engineering teams have been busy building you the product features that great lenders and financial institutions need. This is the time to help your small business clients with cutting-edge technology. We've made it easier and more pleasant to start working with our APIs. There are step-by-step explanations for your developers. With the help of the guides, you will be ready to connect to our APIs in minutes. Financial institutions, lenders, and other stakeholders can see the information about a business on the dashboard in the same way they always wanted to do. They can see the data that the platform provides based on the accounting system's data, predicting the risk of a company. Did you know that more than 82% of businesses fail due to cash flow problems? That’s why it’s crucial to monitor upcoming cash flow gaps a business might be experiencing in the coming months. Sounds like a lot of work, right? Not with the technology developed by PayPie - where lenders can see almost real-time cash flow position, invoices, bills all in one place, so nothing falls through the cracks. There have been new features in our API, dashboard, and core technology. All a financial institution needs to do is request access to the accounting data right inside the main customer journey when their business clients apply for a loan or any other product. The FIs will get all the data that could help them in making an instant decision, even if it means saying NO. All business data shows up in one dashboard in real-time with a complete picture of their client that could be of help in the ongoing monitoring of financial health assessment. We think that our technology has the potential to further enable better engagement between financial institutions and their business clients. We are constantly improving and upgrading our accounting API integrations. Some highlights from the most recent update include: • Improved accounting API Push functionality • Access portal improvements • Connect portal improvements • Administrative portal improvements Please remember that access to the PayPie platform is significantly cheaper for token holders and you can start using the platform to obtain detailed financial information about SMEs. If you would like to start reviewing data of your SME clients or improve your lending workflows, please sign-up at https://www.paypie.bb by clicking on "Get Access". As informed before, PPP can only be used outside of Barbados, Canada, and the USA. If you need any help in signing up on the platform or have any questions, or if you have any significant contacts at a financial institution and would like to introduce us, please reach out to us at help@paypie.bb. Thank you and stay well. #GoPayPie

PayPie Updates With 2022 just around the corner we wanted to send a quick note to wish you and your family a happy and healthy holiday! As we prepare for the next year, we find it valuable to reflect on this year and provide insight into our plans for 2022 to those with whom we have our most valuable relationship, our token holders. First and foremost, we would like to thank token holders for their continued support. This past year was the most successful year for us from the technology perspective and I am happy to announce that we have completed our final Milestone E as per the original vision of PayPie. Our platform is now fully functional and has the ability to be fully utilized by all of our token holders, as well as large institutional banks. As you already know that during our journey, we had to re-engineer our technology to make business financial data available through a single API and just recently received the security certifications that were needed to make sure our technology is secure and dependable for banks and other large scale institutional lenders. Customer feedback was an important element during business development activities and we learned that required security certifications were one of the most important things our bank partners will need. We will continue to invest in security enhancements as there are specific compliance requirements in different geographical locations in the world. This is a challenging task but we are moving forward. These developments are creating more opportunities for our bank partners, and our token holders to find and support a broader array of clients. As a reminder, if you need to review the accounting or financial data on your customers such as customer concentration, balance sheet, P&L statement, cashflow or just want to stay on top of their accounts receivables or payables, our tokens are available at the Liquid Exchange and you get 25% discount compared to the fiat price when used on the platform. We would like to be proactive to increase the token adoption and use on the platform so if you need any assistance in using our data or tokens on the platform, please reach out to us. You get more value on the platform if paying using PPP. Not only is it cheaper but it provides us an opportunity to work with our supporters. We are also in the early stages of having our technology tested and rolled out to the first few institutions. In the last year, we have built additional ERP and accounting system integrations and launched new tools to enable our potential partners the ability to do more. These new tools will make it even easier for our customers to make decisions more efficiently and quickly. Over the last two years, this global health crisis has created unprecedented challenges. This has impacted our lives and economies around the world and is continuing to cause disruption. We recognize this unprecedented event is affecting all aspects of lives all over the world. Our most sincere thoughts go out to every one of you. We would again like to thank our token holders for trusting us and allowing us to support and accompany you on this journey. Thank you and stay well. #GoPayPie

PayPie Updates We hope your family, friends, and colleagues, are all safe and healthy. We have been very busy developing our technology. Today PayPie technology delivers accounting & financial data to SMB lenders and fintechs as a single API to help them make faster and better decisions through our business partner and brand ForwardAI. Those decisions may be around helping clients with cash flow, planning, or business strategy. Recently we also developed and introduced PreciseMatch Technology which allows the cross-validation of accounting records with banking data so that financial intuitions or fintechs that are reviewing information on an SME, can reliably depend on the data provided. Technology has the potential ability to catch some accounting fraud or discrepancies and is expected to continue to be improved as we still have a lot of ideas to improve our data even further. We are also working on additional security compliance requirements as many of the financial institutions need evidence of that for compliance and audit purposes. At PayPie, we continue to grow the actual platform usage, users, transactions and there is a lot of useful utility of the token available on the platform. We continue to improve our technology to better understand the financial health of the SMBs and to ensure a growing and stable user base of the SMBs on the platform. We are working with our partners to promote the technology at digital events and media publications. We are also accelerating our business development efforts. On that side, sales team members are working and they are focusing on the UK, USA, Canada, Australia and New Zealand markets with good responses. The technology is appealing to financial institutions and alternative lenders which can review accounting records of SMEs in real-time. For now, there has been a business shift to rather focus on the banks, financial institutions and lenders for growth. Most of our energy is currently spent on reaching out to these institutions. The data coming into the platform is real-time data, can be updated on demand and the lending partners can refresh to have the most updated information. If you would like to start reviewing data of your SME clients or improve your lending workflows, please sign-up at https://www.paypie.bb by clicking on "Get Access". Our goal is to work with an objective so that the token is used on the platform from users outside of Canada, the USA and Barbados. We need more involvement of token holders in using the platform, an industry problem faced by many other platforms. We need support from token holders in actively using the platform for their own business or introduce us to forward-thinking institutional lenders as they know that markets are changing rapidly, and financial decisions and recommendations need to be based on real-time data. Also appreciate introductions to alternative lending systems interested in building defi/smart contracts or machine-learning powered new lending models so that they can make smarter, data-driven financial decisions. With our community support, we can help the business owners build a bridge to financial recovery, or start planning, or answer simple questions such as what will be the immediate expenses? How much funding is needed to restock? And all those things that keep businesses up at night. If you need any help in signing up on the platform or have any questions, please email us at help@paypie.bb. Thank you and stay well. #GoPayPie

PayPie Updates We know that COVID -19 has affected a lot of businesses all across the world and generated a lot of uncertainty about the financial health of their business. Many of these businesses are looking for working capital or other types of loans from lenders. In Sept 2019, we launched our financial information and risk assessment platform for token holders to use and access real-time financial data, key metrics, and cash flow predictions of their SMB customers but we would like to see better market adoption in our community. It's been almost 2 years now and usage has not picked up the way we expected. Anytime you need to make wiser decisions on a small business, we request you to ask your small and medium-sized customers to provide you access to the data using our technology. Those decisions could be that you are looking to invest in a company, or want better data to provide your contacts some capital or loan or you simply want to stay up to date on the progress as a stakeholder of that company. We ask everyone to become proactive, go ahead and get access to the platform by completing the requested information at https://www.paypie.bb/ and start doing due diligence on your small business customers. We have made it very simple to access business financial data for token holders to help them make faster and better decisions for smarter business lending. If you are working with a small business and need some help, please contact us and we will respond quickly to support your business. We made the process even simpler. Previously your prospects or customers needed to invite you to provide access to their financial data, now we have made the process even better because now you can invite them. Your prospects will just have to click on a link and go through some simple steps to provide you access to their data. As a limited-time promotion, from July 1, 2021 to July 31, 2021, paying for the financial data access fee through tokens would be 50% cheaper than fiat and deliver better value for our supporters. After this period, our standard discount of 25% will apply. It means accessing services on the platform using tokens will always be cheaper than fiat so go ahead and start using the platform to obtain detailed financial information about SMEs. As informed before, PPP can only be used outside of Barbados, Canada, and the USA as residents of those countries were required to rescind as per the rescission offer sent on June 7, 2019. On the product development side, we now support over 15 integrations and we expect this number to increase by end of this year. We believe that once we have all these integrations ready, we will be able to provide support to 80%+ of the available market that needs access to the financial data on small businesses. As always, we’re here for you and support our community of token holders by enabling them to help their small business customers. Thank you and stay well. #GoPayPie

PayPie Updates We celebrate that Springtime has commenced as of March 20th (until June 20th!) and we are back with our first quarterly update for 2021. As informed earlier, we were rewriting the code to make it easier to meet the needs of institutional lenders. We completed the first version of the code that is institutional lenders ready and it's already live. Our technology is being deployed through our partner Forward AI and we are close to getting our first early success with institutional lenders. We have a team engaged in the outbound sales activities and there are more activities planned to reach our target audience. If you are working with a small business and need to review their financial health or risk in funding their business, you can request access to the platform at https://www.paypie.bb/ . What market we are targeting? We are targeting lenders in the USA and Canada at this time. We are also ramping up efforts to target UK, India, Australia, and New Zealand this year. As informed earlier, we will explore use-cases for the token with lenders outside of the North American market if their local regulations support it to create additional value for our users. Are there any changes in the business plan due to recent developments in DeFi? Decentralized Finance has played an important role in driving crypto awareness. Currently, there are no changes in the business plan. We have very limited funds and we want to stay focused on our current business plan. Our product is very different, we strongly believe in it and we are very focused on helping small businesses who make up almost half of GDP worldwide, survive the Coronavirus pandemic. Is there any update on the Single Ledger? Single Ledger was started as an accounting industry initiative but we have seen other Government-supported initiatives such as e-invoicing have started playing an important role in the last few years. We believe that E-invoicing is playing an important role in providing significant efficiencies – reducing administration time, invoicing errors, and the risk of invoice fraud. We have paused further development for now until we fully re-evaluate the value in the accounting domain. Our current focus has been to bring risk assessment and other financial data to lenders simply and easily to solve cash flow problems faced by millions of SMEs worldwide. We are living in very interesting times. Many of us are having to completely adapt our schedules, our habits, and even our business models. How we work, connect and learn together has changed. With a team and community spanning worldwide, we are feeling the impact every day. We appreciate the support of our community and our team. We will be back with the next update at the end of Q2. #GoPayPie

PayPie Updates We hope that you and your loved ones are staying safe and healthy during the COVID-19 health pandemic. It has been a hectic year for the team. This year, we have had many developments. As informed earlier, we had to rewrite the code from scratch to ensure we can scale the business as needed and offer our technology to institutional lenders. We are almost there, and starting late next month, we along with our partners will begin outreach to lending institutions in the USA and Canada. We are inspired to be part of this fantastic opportunity as our solution may help lenders plug cash flow gaps for the small business community. We plan to learn from these markets and hope to start offering our technology to lenders outside of North America in the next year as they are part of the efforts to have PPP token usage adopted. We recognize that it's an uphill battle, but we have not given up, and we have seen more and more adoption of crypto in general so we intend to keep on pushing forward to increase the token usage among lenders. With 2020 almost behind us, we find ourselves extraordinarily grateful for the relationships we enjoy with our customers, partners, and staff. A long road lies ahead for us all as we work towards keeping small businesses financially fit during these times. We know that this is a challenging time for everyone. Thank you for lifting one another and digging deep to assist your loved ones. We are filled with hope, and together, we can make a difference in the world. We wish you and your families a joyful and relaxing holiday season. We are looking forward to catching up with you in 2021! #GoPayPie

PayPie Updates The last quarter was mostly invested in the product and workflow enhancement for the SMBs, in order to make it more intuitive. We also mentioned in our last update that the current workflow is being revamped to make it easier for potential institutional lenders to use the platform data in their decision-making process. SMBs today expect both a fast and streamlined process, which does not require manual uploading of financial statements for further risk assessment by lenders. Getting the proper data on the risk in a broad lending market will be a huge competitive advantage for capital providers. Our platform allows lenders to visualize, understand, and analyze KPIs, trends, and risks in real-time. Presently, we are connected with only two accounting systems, but our goal for the next year is to increase the number of accounting systems to 10, all based on the architecture we have developed. Our company's target was to have the further revised and new version of the institution-grade platform ready by October, however, we have realized that it will be ready by the end of this year. Although it was not easy being faced with a magnitude of adversity, we have come out stronger and more resilient than before. As a small business ourselves, we are always open to meet and onboard new lenders. If you know of any small business lender or financial institution, excluding the US and Canada, that may be interested in accepting tokens to get access to real-time financial data, we would be more than grateful for those introductions. Completing the Contact Us form is the best way to refer them to us. Also, we would like to include a special thank you to the supporter who referred a lending institution to us in Turkey. You may or may not have noticed that a majority of our business development efforts have been related to SMBs and accounting professionals. However, early next year, that is all going to change. We will actively seek more lenders and financial institutions who are interested in providing a fair, faster, and more reliant experience for their customers. Our company will be spending an increased amount of effort and resources in that exact demographic, as we firmly believe that the development for an intelligent risk-assessment tool is needed now more than ever. #GoPayPie

Navigating the Changing Environment We hope everyone is safe and are optimistic that our world will change for the better. Even with so much going on right now around the world and our experiences changing dramatically, we have made a tremendous progress in the past few challenging months. We are constantly bringing more to our app in a time when access to data and innovative technology can make a huge difference. In an effort to support the small business community during this tough time, our platform helped hundreds of businesses apply for millions of dollars in funding through the Paycheck Protection Program through our lending partners. As we continue to improve our technology to solve real-time problems faced by small businesses, we built new, strong and deeper relationships that, we believe, is going to be of great value for the platform. We continue to expand our ecosystem and recently added integration with Xero, the accounting system used by almost 2 million businesses in the world. Xero users can now seamlessly connect to PayPie to get automated cash flow forecasting and other financial data delivered directly based on the accounting transactions such as bills, invoices and payment trends in the accounting software. We made significant improvements in the platform with speed and user experience. The current workflow is further being improved to make it easy for potential lenders to use the platform data in their decision-making process. Although lending criteria has tightened all across the world, but the need for real-time financial data is always going to be there. There are a lot of moving parts and we are putting it all together to make it part of a useful decision-making toolset. A platform that supports the process would be highly valuable once the pandemic is over and the world starts moving towards semi/fully automated decisions on B2B lending. PayPie token economy is very important for us. Later this year, we plan to start our institution outreach plan to promote the use of innovative technology and intelligent risk-assessment tools to better serve business owners. An exciting opportunity is ahead of us as lenders and financial institutions weather the current storm and continue to add value as the economy improves and the lending process re-initiates. Also, if you know of any small business lender or financial institution (excluding USA and Canada) that may be open to accepting tokens to get access to real-time financial data, we would appreciate those introductions. You may refer them to us for follow up by completing the Contact us form.

Based on the landscape and legal advice we receive, we may offer different functionality using tokens for Marketplace participants in Europe, Australia and Asia. We believe that these markets offer even bigger opportunities for us collectively. This will allow us to explore new and different use-cases for the token, based on the local regulations in a market to create increasing value for our users. These are still early days and it's important to us that we work in a legally compliant manner. Our top priority is to dominate the market in North America, before moving towards localized platforms in other markets. We expect to launch Single Ledger soon. We’re doing final internal testing at the moment. Our marketing initiative will be focused on reaching out to tech evangelists from the accounting industry, and other blockchain players in the enterprise domain. We strongly believe that the Single Ledger initiative will bring desperately needed transparency for auditors and lenders. This may greatly improve the value of data created by PayPie. As the COVID-19 situation unfolds, it’s critical that every small business keep a close eye on their cash flow. Of course, we can’t predict the future, but by forecasting their cash and understanding how it's impacting financials in PayPie, they can prepare their business for any outcome. Our best is certainly yet to come. We would like to thank you for trusting us, and allowing us to support and accompany you on this journey. Our founders tokens are untouched. We expect them to stay like that for the foreseeable future, as success of the platform that creates value for everyone, is the ultimate goal. We look forward to many years of your continued support and patronage.

About PayPie Inc. PayPie addresses the financial needs of today’s business by providing cash flow forecasting, risk analysis and financial insights on small and medium-size businesses using AI and blockchain technologies. Our system predicts financial position based on the transactions, payment history, customer statistics, etc. and help solve problems faced by small business owners on day to day basis. For additional information please visit https://www.paypie.bb/ About Liquid Founded in 2014, Liquid is a global cryptocurrency platform that provides trading, exchange, and next-generation financial services powered by blockchain technology. With offices in Japan, Singapore, and Vietnam, Liquid combines a strong network of local partners with extensive team experience in banking and financial products to deliver the best in class financial services for its customers. Today, Liquid is the world’s largest crypto-fiat platform by transaction volume, regulated in Japan. Powered by the World book, which provides customers enhanced price matching and deeper liquidity for various fiat and cryptocurrency pairs, Liquid offers trading services for major cryptocurrencies such as Bitcoin and Ethereum against fiat currency pairs in Japanese yen, US, Singapore and Australian dollar, and Euro. For additional information please visit https://www.liquid.com/

. @PayPiePlatform allows you to review your clients’ cash flow in clear, insightful ways. Use the what-if scenarios to help your clients plan ahead and take action before challenges arise. Learn more: https://t.co/PTqYQoVFUy

With 1-click & 30 seconds you can connect QuickBooks Online (QBO) to PayPie. Click https://t.co/Jg2yTp4yMX to connect to free & fully functional PayPie. No credit card required! #qbo #cashflow #forecasting #advisor https://t.co/BrqpOw66zf

Know The Difference Between Cash Flow And Profit via @forbes https://t.co/XfUFV4P5NM

With 1-click & 30 seconds you can connect QuickBooks Online (QBO) to PayPie. Click https://t.co/Jg2yTp4yMX to connect to free & fully functional PayPie. No credit card required! #cashflowforecasting #advisory #qbo https://t.co/CDdxGm2l5a

Free, fully functional & unlimited PayPie until March 31, 2020. Click https://t.co/Jg2yTp4yMX to connect QuickBooks Online (QBO) to PayPie. It takes just 1-click & 30 seconds. No credit card required! #cashflow #cashflowforecasting #advisory #qbo https://t.co/QkoHaoeRbF

Who wants to solve cash flow problems for their SMB clients? We made it simple & easy https://t.co/JAccOMArV2 #cashflow #cashflowforecasting

PayPie Updates Dear Community, There will be an adjustment in the way we share updates. Starting next year, we will share quarterly updates instead of a monthly email. This aligns our standards to the practices of the most successful companies on the financial market and, by doing this, we will be able to unify the most meaningful information in each update making them of the highest relevancy. We will still provide additional immediate updates on major news like exchange listing, marketplace development, or anything of high newsworthiness for the blockchain space. So the bottom line is that our email updates will come at the end of each quarter, while any major news may still be shared at any time. About exchanges, we are in the process of getting PPP tokens listed and we are doing everything in our power to still abide by our roadmap goal for a 2019 listing. This is not a simple process as it used to be back in the day and there is a lot more involved in achieving that now. We strongly believe that we are on the right track and steps are steadily advancing. Our updated whitepaper is available on our website https://www.paypie.bb. Due to considerable complexity and countless challenges, the expected launch date of the Marketplace had to be pushed to early 2020. Our platform progress remains consistent and new SMEs and accounting professionals keep onboarding regularly. Our software is as advanced as ever both from the back and front ends and we still have more features being launched by the end of the year like Aggregated Transactional Details. We are confident that the platform will serve as a tremendous asset when launching the marketplace due to the reliability of our risk assessment, which we see having the power to change the way global lenders make their financing decisions. If you are a lender or someone interested in reviewing the financial performance of a business, you need to sign up on the platform as a Business Reviewer and use tokens to review the data. We are striving to build the most efficient platform we can with the unimpeded paths we have ahead of us at different stages and everything will compound once all pieces fall into place together. #GoPayPie

PayPie Updates Dear Community, It's time for the PayPie Updates again. As most points of interest have been covered in our Q&A post shared on the PayPie Announcements Channel on Telegram last month, we'll keep things simple and brief on this update. First, we are happy to share that we working on getting the PPP tokens listed on exchanges. This process involves third parties (exchanges) and we have to work accordingly to their operations' timeframe, meaning that the length of the process necessarily relies on the exchanges' end. That being said, all steps are being taken in the direction of having PPP tokens listed on exchanges as soon as possible and in accordance with our roadmap terms. We are currently on the stage of providing further information requested by certain exchanges and discussions are progressing steadily. This step needs to be concluded before our Marketplace can be launched and we are diligently working towards achieving each milestone in this path. On the platform side, developments are being conducted to deliver a seamless experience for token holders to assess the financial risk of businesses and to take part in Marketplace activities. We are building a simple, straightforward way for users to have peace of mind when making their financial decisions and our UX and UI will reflect this approach. We are all geared-up for accomplishing great things in the near future and things are getting aligned for delivering on PayPie's value propositions like ever before. There is still more to be delivered in the remaining of Q4 and certainly a lot more in 2020 and beyond, so progress remains strong and steady and the greater value of the PayPie vision is coming near full release! #GoPayPie

9. Most of the community have no access to SMEs or Advisor side of the program, please share with us the "many improvements to the SME and Advisor side of the software". As users need to have QBO accounts to access the SME/advisor side of the platform, we will refine the way we share improvements with the community so everyone can see and understand what is being accomplished. 10. The mobile app seems to be "approaching" MVP concept level status only, when will this be available? The mobile app development was put on hold as priorities shifted to improving app features to better serve current real businesses that are using the platform. 11. "A lot (a lot!) of progress is being achieved on the Single Ledger development", since there is a lot of progress, can you share any info. on the Single Ledger Development? Is the product even available? Is it approaching MVP or is in in beta? Development on the Single Ledger end continues strong, but no details can be shared at this stage to protect our intellectual property in this world-changing endeavour. 12. "PayPie will execute on several targeted campaigns with the official public launch of the PayPie Platform" - is the platform officially launched? If so, where is the targeted campaigns? Token marketing to create awareness will start once we are closer to launching the ecosystem with credit hub and having the PPP tokens listed on exchanges, which we are diligently working on now that our utility token platform was launched. 13. "Increasing the visibility of PayPie in the run-up to its public launch is one of the main objectives of our global team." - When will this happen and how can the community assist? Addressed on item 12. 14. Does the team have any internal projections on uptake from QuickBooks and SlickPie users in the first year? We are not asking for price speculation just internal projections on expected numbers of users that may integrate with PayPie in the first year. Product adoption by real business in the United States, Canada, Australia, and UK keeps moving as positively as expected and we see progress further increasing in the short, mid, and long terms. 15. What will happen with those fees, they are sold on the secondary market right away again? Tokens that come as fees from the risk assessment go to the PayPie reserve and remain there until further notice. 16. Will there be some sort of burning mechanism? There will be no token burning mechanism. 17. Will token holders be able to see a list with all SMEs available on the token side of the platform? No, that is not possible as there are privacy laws preventing from that to happen. Token holders and lenders need explicit permission from SMEs to access any information on them.

As a way to further improve financial processes for businesses worldwide, PayPie is also establishing the Single Ledger initiative, which creates a distributed, highly available peer-to-peer network that provides a nearly instant and secure record of proof that the transaction occurred. Using blockchain technology, the Single Ledger enables the near real-time processing, settlement, and validation of transactions, reducing the risk of errors, fraud, and non-payment. As a permissioned environment, the business controls the access to its financial data and approves access to other businesses, accountants, auditors, and lenders. In turn, these parties transact directly with each other through a single ledger protocol eliminating friction. The Single Ledger blockchain technology is a native structure for sharing information, accelerating business processes, improving cost efficiencies, preventing operational errors, and minimizing settlement times. ABOUT PAYPIE PayPie Blockchain, Inc. empowers SMEs by improving their cash flow through insightful analytics, risk assessment, and financial analysis to explore affordable business financing opportunities. The platform brings ultimate trust and transparency to the fintech scene by introducing its unique financial risk assessment based on near real-time business accounting data to assist lenders and investors make data-driven business decisions. For all things PayPie, access https://www.paypie.bb/.

Burning rubber and burning rate are two completely different things. Rapid acceleration is bad for your tires, spending too much too fast is bad for your small business #cashflow. Burn rate, runway and other #accounting topics to know. https://t.co/tNGlUKq5i4 https://t.co/g5JaIoiY0r

10 Thought-Provoking #Cashflow Quotes for #SMEs and #SMBs https://t.co/2VpdpsWD2n (Note: PayPie also gives you a great picture of your cash flow and overall financial health.)

Labor-intensive or low-wage industries have fewer cash buffer days than capital-intensive or high-wage industries. See hour huge list of #cashflow #statistics https://t.co/P21P5sFdad https://t.co/GKJV107qgf

How SMP, @lucidbooks , helped SaaS help desk software provider @Groove find its rhythm with cash flow forecasting. https://t.co/akLhzsGvA3

QuickBooks Online + PayPie = fast, simple, very visual cash flow forecasts and performance insights. https://t.co/5Ruyfhr6a8 #smallbiz #QBO #accounting #bookkeeping https://t.co/8C4Bgzav22

Free cash flow — just to be clear: this means available cash flow for your #SMB or #SME, not free money. Here's a deeper look at free #cashflow... https://t.co/3jEyuAX0qH https://t.co/9BA41AzWof

Cash flow statement and cash flow forecast — two great things that go great together. https://t.co/4iZ4nk6S4w #SME #SMB #cashflow #accounting https://t.co/XjcTGLm8gr

As advocates of better #cashflow knowledge and long-term financial health, we present this overview of the Batman and Robin of the finance universe — cash flow vs profit. https://t.co/RiUMKuASdR #accounting #bookkeeping

Dear Community, Our platform keeps developing better and better and we are now just an inch away from the launch pad. We are fully on track for launching our live platform with token utility sometime next month and things are looking as good as ever. Our risk assessment platform is nearly built and lenders, financial institutions, and industry players needing immediate access financial data will immensely benefit from our unique risk assessment on SMEs' financials. This month we also released many improvements to the SME and advisor side of the software. Our what-if scenarios are up and running, our forecasting drilled-down details are live, and our immensely improved AI algorithm was revamped from the back-end and is now accounting for hundreds and hundreds of data points to generate its analysis. Our forecasts are achieving quite better accuracy rates for short term projections and this will reflect in every risk assessment performed. We also have features lined up for next month that directly focus on solving real-life business problems, such as our upcoming what-if-scenarios with simulations for loans and financing and their impacts on cash flow to help get businesses through tough times. Still, our mobile app continues under development and we will test a new iteration soon. Its development is moving parallel to the web-app and things are progressing well. There is still a lot of work to be done, but we are approaching the MVP concept level with it, so stay tuned. A lot (a lot!) of progress is being achieved on the Single Ledger development. Within a few months, we will see data from vendors and customers flowing through the blockchain in near-real-time. Real-life accounting software users will likely find it extremely useful and we are steadily building something truly new and unique in the accounting and blockchain world. Further details will be shared in due time. Regarding out Marketplace, everything is moving as expected for a successful launch in accordance with our roadmap. Something that we can share at this moment is that insurance is still under consideration, but it is likely that we won't pursue this approach in the early days of the Marketplace. So the bottom line is gear up and get ready to go, because the PayPie platform is coming live in September! #GoPayPie

Cash Flow Problems: 6 Top Causes https://t.co/HHhL1LADGs #SMB #SME #cashflow

PayPie integrates effortlessly with QuickBooks Online to help you create insightful, interactive cash flow forecasts and performance assessments. Learn more about our #QBO integration. https://t.co/Wgng4eH95c #smallbiz #SME #SMB https://t.co/tOyZrUrNeJ

Also called the statement of financial position, a balance sheet is based on a straightforward #accounting equation: Assets = Liabilities + Equity https://t.co/pXS3A9lT8q PayPie + #QBO = #cashflow solved https://t.co/XKyHdtK7ra

Well, it's almost the end of May. But, there's still time to reconsider and recommit to your New Year's resolutions. 5 Cash Flow Management Strategies to Start This Year https://t.co/s8bvNJX1OU #SMEs #SMBs #cashflow

Recurring Revenue: 5 Proven Models 1. Subscriptions or memberships 2. Auto-ship 3. Consumable 4. Contracts and retainers 5. Loyalty and habit https://t.co/nv5FkIMYCh #cashflow #accounting #revenue

Cash conversion cycle — it isn't how long it takes you to make change. It's a measure that shows you how long you’ll go between making an investment in creating a product or service and turning it into a sale. https://t.co/5AcMjvrRr7 #cashflow #SMB #SME https://t.co/PiiwMjeYEp

How to Make the Most Out of Every Invoice You Send — expert advice from the pros at @invoiceberry https://t.co/mPbRDhae1r #SME #SMB #cashflow https://t.co/zw77dD9NYO

P.T. Barnum, Richard Branson, Anonymous... see what they have to say about the lifeblood of #smallbiz. 10 of the best #cashflow quotes. https://t.co/2VpdpsWD2n #SMB #SME https://t.co/1RSLJQEGEU

The differences between working capital and cash flow come down to calculations. Learn more about the difference and how it affects your #SME or #SMB. https://t.co/evLtjiaC8w https://t.co/IJBYcHA4mf

At its simplest, a cash flow budget lets a business understand whether or not it has enough net working capital to operate during a fixed window of time. Cash Flow Budget: Why it Matters for Good Business #SMB #SME #accounting https://t.co/GKlzH8oSqV https://t.co/FkE9rQupb0

Cash flow gives you the big picture of your inflows and outflows. Working capital zeros in further by analyzing your cash flow to ensure that you can meet your payment responsibilities. https://t.co/evLtjiaC8w #cashflow #SME #SMB https://t.co/rEIUeIxONQ

PayPie Updates Dear Community, Our platform's full launch is getting closer and closer. We are dedicating massive efforts onto development so our software can become an invaluable resource in the growth journey of businesses worldwide. Based on direct feedback that we received from a multitude of business owners and accounting professionals, we were able to map key points that needed further and deeper improvements to reach the world-class analysis we aim to provide. All those points were attended and our completely revamped forecasts, scenarios, and analysis will go live in August. We are constantly expanding on our team to bring fruition to our milestones. We recently onboarded one of the most influential experts in the accounting technology industry. This expert is a unique asset to boost our program's credibility and exposure among accountants in North America and the potential is enormous. Not only that, but we are happy to share that our in-house team of developers on the blockchain side of PayPie is also considerably expanding accordingly to our incremental demands. Our very capable team is reaching an expertise level of immense magnitude and it will all reflect on our platform's core value. We are still on track for launching our risk assessment with functional token utility in Q3. The improvements made in our analysis are majorly improving the overall risk assessment that we will provide. We are also working on to launching our marketplace in Q4, meaning that our platform's benefits and full usage are getting closer to becoming a reality. Once everything is in place, we will be able to spread our vision among both the crypto and the business communities across the globe. This is a very exciting moment in our journey and we can't wait to share that with the community! Regarding the R&R Offer, we have everything on track to complete the process in August. Even with most claims being approved, we confidently believe that we have enough resources to accomplish all of our roadmap goals and take our amazing platform on a path to success. #GoPayPie

As their names imply, the primary difference between short-term and long-term business financing is how long your #SME or #SMB has to pay back the loan. https://t.co/3MgQoempsl #cashflow https://t.co/OeiGzVsQ3E

What can reporting tell you about your small business' cash flow and financial health? Shouldn't question really be, "What doesn't it tell you?" https://t.co/L2bnHc4muO #SME #SMB #accounting https://t.co/lbAVIAz6Zc

SMEs who review their cash flow only once a year have a meager 36% survival rate after five years. Those who monitor cash flow on a monthly basis have a staggering 80% survival rate. How #cashflow consulting helps #SMEs and #SMBs https://t.co/Qy0CajRSej https://t.co/hV6Qc4d8wt

April showers may bring May flowers, but there's still time to put the freeze on your small business expenses. https://t.co/tZOdQUGKUG #SME #SMB #cashflow #expenses https://t.co/8tHxHQ6U35