OXY TECHNOLOGIES LIMITED · ABU DHABI

Technology that makes life easier. Business grows stronger.

One human-centred intelligence foundation connects everyday life with the sellers, SMEs and enterprises serving it, turning context into useful action and commerce into compounding value.

⌂ Abu Dhabi ADGM

Built for trust◎ Global ambition

See life with OXY →See business growth →

Life understoodcontext · intent · moments

Commerce strengthenedgrowth · value · continuity

Human firsttechnology quietly in the background

THE HUMAN THESIS

Real life isn't organised into apps. It simply moves.

Morning becomes a commute. A commute becomes parking. Work becomes lunch. Shopping becomes checkout. Evening becomes time with people who matter.

OXY follows the situation, not the app category. The human stays at the centre while intelligence quietly assembles what is useful around the moment.

OXY IN EVERYDAY LIFE

Less orchestration.
More living.

Life Moments connect capabilities behind the scenes so the person sees what matters, when it matters — while everyday activity keeps creating value.

TodayPlans, priorities and moments ahead.

MoveTraffic, navigation and parking.

EatFood, tables, groups and bills.

ShopDiscover, checkout and keep value.

EnjoyFriends, family, events and travel.

BUILDING THE ECOSYSTEM TOGETHER

We build with sellers.
We grow with them.

OXY brings AI, advanced technology, commerce intelligence and operating capability to the strengths businesses already have — helping them grow revenue, capability and profitability without asking them to become technology companies.

↗Grow salesDiscover demand · convert · repeat

◫Improve profitBetter economics · automation · fewer frictions

✦Build capabilityTools, data and intelligence that compound

◉Know customersUnderstand · serve · retain · grow relationships

More customersdiscovery + reach

Higher salesconversion + repeat

Better intelligenceknow what is working

Stronger economicsprofitability + efficiency

ONE FOUNDATION · TWO EXPERIENCES

One intelligence foundation.
Two connected experiences.

A shared intelligence foundation powers OXY Life for everyday moments and KANZPAY for commerce that creates continuing value.

OXY Intelligence FoundationContext · Intent · Priority · Decision · Journey · Commerce · Memory · Conversation

Todaywhat matters now

Contexttime · place · movement

Life Momentintent emerges

Capabilityright help appears

Outcomelife keeps moving

Sellercatalogue · offer · order

Buyerdiscovers useful value

Checkoutcommerce completion

Get Goldwealth from commerce

Returnrelationship compounds

THE INVESTMENT THESIS

A large vision.
A disciplined starting wedge.

OXY is designed as a Life OS, but the commercial entry point is deliberately practical: high-frequency everyday moments that create measurable demand for sellers and flow into KANZPAY commerce. The UAE is the proving ground; GCC scale follows a model that can travel.

Where OXY starts.

Build density where people already live, move, eat, shop and spend — then convert context into useful commerce without forcing the user to orchestrate multiple apps.

UAE firstAbu Dhabi / UAE as launch and validation market

High frequencyEveryday moments create repeated opportunities to help

Seller ROIDiscovery, conversion, repeat and business intelligence

KANZPAY engineCheckout and value creation complete the commercial loop

Life Momentintent becomes visible

Useful actionright capability appears

Merchant demandseller enters the moment

Checkoutcommerce completes

Value retainedgold + relationship

Intelligencenext outcome improves

AI is becoming contextualModels can increasingly understand intent, sequence and situation — moving beyond command-driven interfaces.

Commerce rails are openingPayments, identity, data and merchant infrastructure can be assembled behind one experience rather than owned end-to-end.

UAE / GCC is a strong launchpadDigitally ambitious markets combine consumer adoption, commerce density and sophisticated regulated infrastructure.

App fragmentation is matureThe next interface can orchestrate existing capabilities around the person instead of asking the person to orchestrate apps.

THE COMPOUNDING ENGINE

The product improves as
participation compounds.

OXY Life creates the demand interface. KANZPAY converts commerce and preserves value. Sellers gain customers, sales and intelligence. Every completed cycle creates better context for the next one — a network effect built from usefulness, not forced engagement.

01More peoplemore everyday context

02More momentsmore useful intent

03More sellersmore capability + supply

04More commercemore completed value

05More intelligencebetter decisions + relevance

06More retentionstronger ecosystem economics

Proof & readiness

WHAT EXISTS TODAY

ADGM foundation

OXY Technologies Limited is established in Abu Dhabi with governance and compliance designed in from the start.

Commerce engine built

KANZPAY provides the commerce, seller, checkout and value layer beneath the wider OXY experience.

Operating architecture

Life Moments, shared intelligence and capability orchestration are defined as one product system rather than independent apps.

Delivery depth

24 specialists aligned across product, AI, architecture, engineering, UX, quality and platform.

Current OXY traction is not represented by inherited heritage metrics. We separate operating heritage from present-company traction rather than inflate the investment case.

Revenue architecture

HOW VALUE MONETISES

Merchant transaction economics

Commercial fees linked to successful commerce where contractually and regulatorily permitted.

Merchant SaaS / credits

Plans, usage, automation, K-ACE capability and operating tools create recurring merchant revenue.

Commerce services

Discovery, catalogue, delivery, business intelligence and enterprise capabilities expand revenue per seller.

Ecosystem value

Rewards, gold and repeat relationships improve retention while regulated financial rails remain with licensed partners.

Revenue follows commerce, capability and usage. OXY / KANZPAY is not positioned as taking custody of customer funds where regulated partner rails are required.

TARGET GROWTH ROUNDUS$10M+Capital to move from integrated product and operating readiness into repeatable UAE commercial proof, scaled merchant/customer distribution and GCC expansion.

Commercial proofMerchant and customer rollout, acquisition, activation and repeatable unit economics.

Product intelligenceContext, intent, decision, memory and commerce engines operating together at production scale.

Partner railsProduction-grade payments, banking, identity, rewards and regulated integrations.

Regional scaleBuild the operating capacity, localisation and distribution model required for GCC replication.

The investment case is not “another app.” It is the intelligence layer between human intent and everyday commerce — with OXY Life creating demand, KANZPAY completing commerce and the ecosystem getting stronger with every useful cycle.

EXECUTION HERITAGE

New products.
Proven operating depth.

OXY is new. The operating experience behind it is not. The founders and extended delivery group bring prior mass-market fintech, AI and international product-engineering experience. These are heritage credentials — not current OXY traction, licences or partnerships.

PAYMENTS OPERATING HERITAGE

170M+transactions

10M+customers

100+corporates

4M+cards & wallets

RBINPCIRuPayUPIBBPSeNACH

GLOBAL PRODUCT + ENGINEERING HERITAGE

10+ yrsengineering

350+experts

150+clients

AI + Cloudproduction depth

MongoDBOdooGoogleZohoAWSHCLSoftware

Experience is the inheritance. OXY is the next build.

FOUNDERS

Built for human outcomes.
Engineered for business growth.

AI should amplify human capability — not replace the human relationship.We build technology that strengthens trust, empathy and choice — at work, at home and in commerce.

Navneet Sharma

Founder & CEO

Fintech · distribution · growth · mass-market payments operating heritage

Ashutosh Singh

Co-founder & CTO

Architecture · software engineering · international product delivery

Girijesh Kumar

Co-founder & CIO

AI · intelligence · analytics · automation · technology strategy

TECHNOLOGY ORGANISATION

24 specialists.
One accountable delivery chain.

The operating model combines product ownership, architecture, AI, engineering, UX, quality and platform — organised end-to-end so every choice compounds value and eliminates handoffs.

170M+payments-scale heritage

150+prior clients delivered

10+ yrsengineering depth

24specialists aligned

2 DELIVERY HEADS · accountability across architecture → build → validate → release

5Program + ProductOutcomes · priorities · progress

4AI + ArchitectureModels · architecture · scale

3Quality + PlatformQA · reliability · DevOps

10Engineering + UXBuild · integrate · deliver

ARCHITECTURE

BUILD

VALIDATE

RELEASE

TRUST BY ARCHITECTURE

Designed to earn trust before scale demands it.

Governance, compliance boundaries, licensed partner rails and architecture that can mature with the business — designed to earn trust early, not assumed later.

ADGM foundationOXY Technologies Limited · Abu Dhabi
Governance anchored from day one

✓

Compliance-ledControls and policy discipline
Built into operating design

⇄

Regulated partnersRegulated activities remain
On appropriately licensed rails

∞

Future-readyArchitecture prepared to mature
With regulatory ambition

FROM ABU DHABI TO GLOBAL SCALE

Built in Abu Dhabi.
Designed to travel.

Start where digital ambition, commerce and regulation can meet. Prove the model in the UAE, build across MENA, then carry a repeatable intelligence and commerce foundation into larger global markets.

Abu DhabiBuild · validate · lead

UAEProve the ecosystem

GCCScale across the region

MENAExpand the ecosystem

Global scaleIntelligence that travels

BUILD THE ECOSYSTEM WITH US

The opportunity is larger than another app.
It is a new relationship between life, commerce and intelligence.

For investors, partners, sellers and ecosystem builders who want to shape what everyday life and commerce can become.

Partner. Invest. Grow →