Anchor Gold — Partner & Governance Overview

1. Virtiply — Digital Asset & Tokenisation Platform

Virtiply is a South African-based fintech company specialising in the tokenisation of real-world assets.

Through its digital platform and wallet ecosystem, Virtiply enables:

• Tokenisation of tangible assets
• Secure digital wallets (VirtiCash, VirtiGold, VirtiSilver and others)
• Issuance of VirtiGold and VirtiSilver tokens
• Transaction and settlement services
• Access for smartphone and non-internet users
• Community-based financial inclusion

Virtiply operates a closed-loop digital ecosystem designed to retain value within participating communities while maintaining auditability and transparency.

Virtiply provides the regulated digital framework that records, manages, and verifies every VirtiGold unit issued to members.

2. Kineto Mobile — Technology & Payments Infrastructure Partner

Kineto Mobile is an established African fintech infrastructure provider with over two decades of experience in digital banking and payment systems.

Kineto provides:

• Secure e-banking platforms
• Digital account management
• Payment processing systems
• Multi-channel access (mobile, web, POS, ATMs, APIs)
• Private cloud hosting
• International security compliance

Its systems are certified by multiple central and reserve banks across Africa.

Kineto ensures that all VirtiGold transactions are processed on enterprise-grade, audited financial infrastructure, reducing operational and cybersecurity risk.

3. 2D Transact

2D Transact is a patented digital payment technology platform developed from more than 15 years of experience in the mobile payments industry. The platform focuses on secure, simplified, and scalable transaction solutions that integrate with banks, wallet providers, mobile operators, and broader financial ecosystems.

Its patented transaction process adds programmed intelligent functionality to Request-to-Pay and other request-and-respond transaction methods, enabling a range of advanced features and benefits through attributes embedded within the transaction request itself.

The platform is designed to be responder-independent, enhancing interoperability and flexibility across different payment environments.

2D Transact also supports international payment functionality and maintains integration capabilities and partnerships across multiple regions, contributing to greater transaction accessibility, digital financial interoperability, and scalable fintech innovation.

4. Regulatory & Licensing Framework — Virtiply

South Africa

Virtiply operates as a registered Juristic Person under Your Broker House (FSP 46444 YBH) licence issued by the Financial Sector Conduct Authority (FSCA).

This licence requires compliance with:

• Governance and fit-and-proper standards
• Client fund protection rules
• Ongoing regulatory reporting
• Independent compliance monitoring
• AML/CFT controls
• Record-keeping and audit requirements

The FSP licence confirms that Virtiply is legally recognised and supervised as a financial-services provider in South Africa.

Mauritius

Virtiply is strengthening its international regulatory framework in Mauritius under the supervision of the Financial Services Commission Mauritius (FSC).

Payment Service Provider (PSP) Licence (In Progress)

This licence authorises:

• Digital payment processing
• Electronic wallets
• Fund transfers
• Merchant settlements
• Clearing and settlement services

It places Virtiply within formal payment-system regulation.

Virtual Asset / Crypto Licence (In Progress)

This licence authorises:

• Issuance and management of digital asset tokens
• Digital wallet custody
• Blockchain asset transfers
• Cross-border digital asset services

It requires compliance with:

• Capital adequacy standards
• Cybersecurity frameworks
• Asset segregation rules
• Custody safeguards
• International AML/CFT standards

These licences elevate Virtiply's platform to internationally recognised fintech and digital-asset regulatory standards.

5. Integrated Governance Structure

The Anchor Gold ecosystem is intentionally structured to separate responsibilities:

This separation:

• Prevents concentration of control
• Improves accountability
• Reduces operational risk
• Strengthens auditability
• Enhances member protection

6. Member Confidence Summary

Through this integrated partnership and regulatory framework, Anchor Gold members benefit from:

• 22+ years fintech infrastructure experience
• 12+ years digital asset development
• Licensed precious metals trading
• Regulated financial services operations
• International fintech oversight
• Independent logistics and security providers
• SDG-aligned governance
• Full 1:1 gold allocation

This structure ensures that VirtiGold operates as a professionally governed, asset-backed digital currency not as a speculative or unregulated token.