REGO PAYMENT ARCHITECTURES Business Summary

REGO Payment Architectures, Inc. (RPMT) operates as a financial technology provider specializing in white-labeled, COPPA-compliant family banking and financial literacy solutions. The company’s primary revenue model is built on a B2B2C strategy, generating income through platform licensing fees, recurring subscriptions, transaction-based service fees, and revenue-sharing agreements with financial institutions. Its flagship product, the Mazoola digital wallet, enables banks and credit unions to offer secure mobile payment and money management tools for minors and seniors, facilitating parental oversight and cross-generational financial inclusion. REGO competes in the crowded family fintech and payment processing sectors against players such as Greenlight, GoHenry (Acorns), and Usio, Inc., distinguishing itself by providing a fully integrated, bank-branded solution rather than a direct-to-consumer card product. The company’s current leadership is anchored by CEO Peter S. Pelullo, who took the helm in 2020 to pivot the firm toward its white-label banking strategy alongside CTO Mark Vanderbeek and Head of Product & Operations Steven Kravit. The executive team is supported by CFO Joe Toczydlowski, an expert in operational scalability who joined in 2022, and CMO Pawan Murthy, who leads the go-to-market strategy for institutional partners. REGO’s strategic direction is heavily influenced by a high-pedigree Board of Advisors, including Chairman Stuart C. Harvey Jr. (former CEO of Elavon and Ceridian), Scott R. Meyerhoff (former CFO of InComm Payments), and Warren Fisher of Manole Capital Management. Notable backing includes significant investment from John Paul DeJoria, the billionaire co-founder of Paul Mitchell and Patrón Spirits, who remains a major shareholder and advisor.