Moneta Network Overview

Executive Summary:

Moneta Network: Revolutionizing Direct-to-Consumer Digital Services Distribution

The global digital services market, encompassing Media & Entertainment, Streaming, Games, and B2C SaaS, is booming, projected to reach $1.5 trillion by 2025 and a staggering $4.6 trillion by 2031. Yet, beneath this explosive growth lies an unsustainable paradox: most publishers face razor-thin profit margins or even losses. This stark reality contrasts sharply with the healthy 40-60% margins typical of thriving B2B SaaS industries.

Moneta Network revolutionizes how these direct-to-consumer digital services are distributed and monetized. We address the critical challenges plaguing this multi-trillion dollar industry across three core pillars of distribution:

• Customer Acquisition: Skyrocketing acquisition costs, driven by expensive lead generation, low conversion rates, and high churn, are hindering growth and profitability.

• Product Monetization: Ineffective monetization models, such as rigid subscriptions and restrictive paywalls, frustrate consumers and result in low conversion rates, high churn, and limited revenue generation.

• Advertising Monetization: Declining ad revenue per user, driven by the dominance of major platforms in mass and targeted advertising and increasing regulatory and platform restrictions on user data collection, further squeezes publishers' profitability.

Moneta Network solves these challenges by partnering with leading Membership Organizations (like banks, e-wallets, telcos, etc.) with vast existing user bases to create a new global distribution network. This network of Membership Organizations provides digital publishers with an entirely new customer acquisition channel, unlike any other in the market, forming the foundation for new user acquisition & monetization capabilities. These capabilities deliver a 3X - 5X increase in paying users and a 2X increase in advertising RPM, enabling publishers to achieve healthy and sustainable profit margins comparable to the 40-60% margins typical of thriving B2B SaaS industries.

Our vision is to build the world's largest and most equitable distribution network for direct-to-consumer digital services, transforming the economics for publishers and delivering a delightful experience to users worldwide. Moneta aspires to become the VISA network for digital services, ushering in a new era of growth and innovation in the thriving digital economy.

The Moneta Solution:

Moneta Global Distribution Network:

Revolutionizing the Digital Services Monetization Landscape

Moneta Network creates a revolutionary global distribution network designed exclusively for direct-to-consumer digital publishers. We partner with leading Membership Organizations (like banks, e-wallets, telcos, etc.) with vast user bases, providing publishers with an entirely new customer acquisition channel, unlike any other in the market. This mutually beneficial partnership forms the foundation for new user acquisition and monetization capabilities, including frictionless micro-subscriptions, flexible consume-now-pay-later payment options, and the ability to deliver addressable advertising, enabling publishers to achieve dramatically higher revenue potential.

Through our open-loop network architecture, we seamlessly connect these membership organizations with digital service publishers, creating a streamlined and efficient global distribution network that:

Empowering Publisher Profitability:

Moneta empowers publishers to achieve sustainable economics and unlock new growth opportunities by addressing the core challenges of digital services distribution:

• Zero-Cost User Acquisition: Gain access to an entirely new customer acquisition channel through the network of leading Membership Organizations, each with a vast and highly engaged user base, eliminating costly customer acquisition expenses and expanding reach to new markets.

• Increased Paying Users: Leverage flexible and affordable micro-subscription options, empowering consumers to engage with content on their terms and driving a 3X - 5X increase in paying users.

• Boosting Advertising Revenue: Deliver high value campaigns to receptive audiences within the Moneta Network, increasing user engagement and generating a 2X increase in advertising RPM.

This comprehensive approach enables publishers to achieve healthy profit margins, comparable to the 40-60% margins typical of thriving B2B SaaS industries, while fostering sustainable growth and enhanced user satisfaction.

Empowering Consumer Experience:

Moneta enhances the user experience by providing

• Simplified Access: Enjoy effortless access to a vast array of global digital services with a single Moneta Pass issued by a Membership Organization.
• Unparalleled Flexibility: Explore and consume digital content with flexible micro-subscriptions and innovative "Consume-Now-Pay-Later" payment options, tailoring experiences to individual interests and budgets.
• Rewarding Experiences: Earn attractive rewards, such as cashback, exclusive discounts, and access to premium content, simply by using a Moneta Pass.
• Enhanced Privacy: Maintain control over personal data and enjoy a more personalized experience with enhanced privacy features that eliminate the need to share personal information across multiple publishers.

This consumer-centric approach fosters greater choice, affordability, and control, making digital services more accessible and enjoyable for users worldwide.

Empowering Membership Organizations:

Moneta empowers Membership Organizations to enhance member engagement and unlock new revenue streams:

• Increased ARPU: Generate substantial new revenue streams by earning a significant share of Moneta interchange fees every time members utilize their Moneta Pass for purchases or engage with targeted advertising across the network. This translates to a predictable and growing monthly ARPU contribution from each member.

• Enhanced Member Engagement: Leverage new revenue streams to create compelling rewards programs, offering cashback, discounts, or exclusive content to drive member loyalty and engagement.

• The Big Data Advantage: Establish the Membership Organization as a leading source of trusted consumer intelligence globally by continuously accumulating unique and comprehensive first-party transactional and behavioral data, stemming from member activity across the Moneta network.

By partnering with Moneta, Membership Organizations can unlock new revenue streams, enhance member satisfaction, and secure a strategic position in the rapidly growing digital services market.

New revolutionary User Acquisition Channel:

The following diagram illustrates how Moneta Network transforms the economics of User Acquisition, making it cost-free for publishers like GameCo, compared to the massive costs incurred in traditional channels.

The Moneta Platform:

Moneta's comprehensive suite of products and services empowers all stakeholders in the digital services economy, from publishers and membership organizations to the end consumers, fostering a thriving and interconnected ecosystem.

1. Global Open-Loop Network:

The foundation of Moneta's ecosystem is its global open-loop network, a robust infrastructure that:

• Connects: Seamlessly integrates leading publishers and large membership organizations, fostering a thriving marketplace for digital services.

• Facilitates: Enables both frictionless micro-payments and addressable advertising, streamlining transactions and maximizing revenue potential.

• Shares: Implements a transparent revenue-sharing model among membership organizations, publishers, acquirers, and Moneta, ensuring equitable distribution of value across the network.

• Reconciles & Settles: Automates the reconciliation of transactions between publishers and membership organizations, ensuring accurate and timely settlement of payments and revenue sharing across the network.

2. Moneta Publisher Portal:

The Moneta Publisher Portal equips publishers with a comprehensive suite of tools and services designed to optimize monetization strategies, enhance user engagement, and gain valuable data-driven insights.

• Flexible Subscription Management: Define and manage a variety of micro-subscription models, including pay-per-article, time-based access, and usage-based subscriptions, to cater to diverse user needs and preferences.
• Delightful & Personalized User Experience: Enable a seamless and enjoyable user experience with passwordless authentication, providing effortless access to content and frictionless 1-click purchasing. This streamlined approach enhances user convenience, boosts engagement, and drives higher conversion rates.
• Addressable Advertising Delivery: Leverage rich first-party data from Moneta Membership Organizations to deliver highly relevant addressable advertising campaigns to Moneta Pass users. This capability increases advertising revenue potential by improving click-through rates and engagement while ensuring user privacy.
• Revenue Operations Management: Access comprehensive tools to manage and optimize all aspects of revenue generation, including subscription management, advertising campaign performance, and integrated product and advertising monetization strategies.

The Publisher portal empowers publishers to take control of their monetization strategies, optimize revenue streams, and enhance the user experience, driving sustainable growth and profitability.

3. Moneta Membership Organization Portal:

The Membership Organization Portal equips organizations with a comprehensive suite of tools and functionalities to streamline operations, enhance member engagement, and unlock new revenue streams within the Moneta Network.

• Moneta Digital Pass Issuance & Management:

  • Automated Enrollment: Enable seamless, one-click enrollment and instant activation of Moneta Digital Passes (mPass) for members.

  • Pass Customization: Configure mPass features and functionalities to align with the Membership Organization's branding and member benefits.

  • Personalized Discovery & Search: Drive mPass user engagement and publisher discovery through personalized content feeds and search functionalities.

• Product Monetization Facilitation:

  • mPass Transaction Facilitation: Enable and process a wide range of mPass transactions, including subscriptions, purchases, and micropayments.

  • Consume-Now-Pay-Later Payments: Offer flexible payment options to members including standard global credit cards (VISA, Mastercard, AMEX, Discover, etc.).

  • Dispute Resolution: Provide tools and support for resolving transaction disputes between members and publishers.

• Addressable Advertising Facilitation:

  • Data Collaboration: Collaborate with the Moneta Core Network to leverage DMP data and capabilities for the delivery of targeted addressable advertising campaigns.

  • Campaign Optimization: Provide insights and tools to optimize addressable advertising campaign performance and maximize revenue generation for publishers.

• Data Privacy and Control:

  • Member Consent Management: Provide tools for members to manage their privacy preferences and data sharing consent across the Moneta Network.

  • User Policy Configuration: Empower members to define their preferred user policies and set guardrails for their digital experiences, including spending limits, notification settings, and transaction approval rules

• Data Management Platform (DMP) Services:

  • Data Collection and Organization: Collect and organize comprehensive first-party data, including member interactions and transactions across the Moneta Network.

  • Data Security and Anonymization: Implement robust security measures to protect member data and ensure compliance with privacy regulations.

  • Privacy Compliance: Ensure compliance with data privacy regulations and provide tools for members to manage their data sharing preferences.

  • Publisher Data Access: Provide publishers with secure access to anonymized and aggregated member data for personalized experiences and targeted advertising campaigns.

• Billing & Settlement:

  • Automated Payment Collection: Enable automated collection of payments from members for digital services subscriptions and purchases.

  • Transaction Settlement: Facilitate seamless settlement of transactions with the Moneta Network to pay publishers.

  • Revenue Tracking: Monitor and reconcile revenue generated from interchange fees and other monetization activities.

This portal empowers Membership Organizations to seamlessly integrate with the Moneta Network, enhance their value proposition for members, and capitalize on the growing digital services market.

4. Moneta Pass:

The Moneta Pass (aka. mPass) is a global digital pass issued by Membership Organizations to their members, e.g., AT&T mPass, Yahoo mPass. It empowers users with seamless access, personalized experiences, and enhanced control over their digital consumption.

• Effortless Onboarding: One-click enrollment and instant activation make it incredibly easy for members to obtain and start using their Moneta Pass.
• Frictionless Access, Consumption & Purchase: Access and consume all digital services within the Moneta Network with secure and seamless passwordless authentication, ensuring robust security while eliminating friction and enhancing the user experience. Make purchases with 1-click for effortless transactions.
• Consolidated Transactions: Provides a clear and consolidated statement of all transactions made using the Moneta Pass, simplifying accounting, budgeting, and dispute resolution.
• Personalized Content Feeds: Delivers personalized feeds of relevant and engaging content, helping users discover new digital services tailored to their interests.
• Customizable User Policies: Empowers users to define their preferences and set guardrails for their digital experiences, including spending limits, notification settings, and advertising preferences.

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