Pend Newsletter | November 2025

Dear Pend Community,

We are pleased to share a significant milestone in our journey. After months of development, testing, and market validation, Pend.Finance is now live, starting in Egypt as the pilot market, before expanding globally.

Pend.Finance represents the next phase in our mission to provide transparent, accessible, and compliance-ready investment infrastructure built on AI and blockchain.

Pend.Finance Connecting Businesses and Investors in One Platform

Pend.Finance allows investors to browse, evaluate, and fund real-world investment opportunities directly. For the first time, businesses and SMEs can present their offerings in a structured, transparent, and legally compliant format, so investors can engage with them confidently through a single, unified interface.

The platform provides:

• A clear dashboard for each opportunity

• Photos, videos, and field documentation

• ROI timelines and payout structures

• Market data relevant to each sector

• Impact metrics for value-driven investors

All investment data is verified, recorded on Blockchain, and aligned with our governance standards.

A Clear Legal Backbone — Transparent, Compliant, and Sharia-Aligned

Pend.Finance is built with a legal-first approach.

Investments offered on the platform follow clear structures designed around:

• SPV-based ownership

• Sharia-compliant terms

• Verified documentation

• Transparent underwriting

• On-chain auditability through Pend

  
  

Businesses onboarding to raise capital follow strict verification steps, ensuring data accuracy and investor protection. This creates a secure environment where individuals and institutions can allocate capital confidently.

AI-Powered Investment Discovery and Assessment

Pend AI is now a core part of Pend.Finance.

Investors will be able to:

• Use AI to identify opportunities that match their interests

• Filter by risk profile, return expectations, sector, or personal values

• Receive AI-generated insights on market conditions and asset fundamentals

• Compare opportunities across sectors in real time

AI enables investors to make informed decisions efficiently, while ensuring each opportunity is matched to the right audience.

One Login, One Platform, All of Pend

Pend.Finance brings all Pend products together in a single ecosystem:

• MyPend Wallet for onboarding, KYC, and identity

• Pend for security, compliance, and transparency

• Tokenized assets with primary and secondary trading

• Pend AI for intelligent financial guidance

• Business dashboards for SMEs and project owners

  
  

Investors and businesses now use the same platform — with different access layers — but the same data integrity and transparency standards.

Funding for SMEs, Retail Access for Investors

Pend.Finance allows businesses to raise capital from:

• Retail investors

• Angel investors

• Institutional lenders

• Impact-driven communities

This unlocks:

• Faster fundraising for SMEs

• Broader participation for investors

• A transparent matchmaking process

• Technology that replaces traditional friction and manual processes

  
  

By connecting capital supply and demand directly, Pend.Finance supports economic inclusion and business growth while ensuring responsible, data-driven investment flows.

Egypt First — Then Global Expansion

Egypt will serve as the pilot market, enabling us to refine product-market fit with real users, real businesses, and real assets. Once validated and optimized, Pend.Finance will expand regionally and then globally, leveraging PendChain and MyPend’s global-ready infrastructure.

Our long-term vision is a platform where:

• A business in Egypt can receive funding from retail investors in the Gulf

• A farmer in Indonesia can raise capital from investors in Europe

• A real estate project in Africa can attract institutional capital seamlessly

  
  

All under one unified, cross-border, AI-powered platform.

Thank you for being part of this journey.

— The Pend Team