Mynt, Inc. 
Coming Soon

About Mynt

• Payment Solutions – payments, transfers, bills payments, merchant payments, digital solutions, and related services. 
• Digital Financial Services – loans, savings, investments, insurance, and stock market access through the GCash ecosystem.  

Mynt positions itself as a financial inclusion platform for “Everyday Filipinos,” particularly offering digital financial tools that are accessible through mobile technology to the broad C2DE mass-market segment instead of traditional branch-based banking. 

Why Consider Mynt? 

Market leadership and scale

• GCash had 40.4 million monthly active users (MAU) as of March 2026, about four times the active users of its closest competitor, according to Frost & Sullivan.
• Deep ecosystem and network advantage
• As of March 31, 2026, the GCash ecosystem connected users to over 1.3 million cash-in/cash-out touchpoints, 2.1 million QR Ph merchants, over 3,000 billers and government partners, and global merchant acceptance through card and international payment channels. 

Strong transaction activity

• Mynt recorded ₱17.0 trillion in Payment Solutions Gross Transaction Value in 2025, and ₱4.7 trillion in Payment Solutions GTV for the first quarter of 2026, indicating significant usage across the platform.  

Profitable growth profile

• Mynt’s adjusted revenues increased from ₱33.6 billion in 2023 to ₱79.7 billion in 2025, while net income grew from ₱6.4 billion in 2023 to ₱17.2 billion in 2025. For Q1 2026, net income was ₱5.6 billion, up 23.9% year-on-year. 

Expansion opportunities

• The company’s growth strategy includes expanding everyday financial use cases, scaling CreditTech and WealthTech, serving nano/micro/small/medium enterprises, expanding cross-border services for overseas Filipinos and tourists, and investing in AI-enabled technology and fraud prevention.

Use of Proceeds

• Primary shares are new shares issued by Mynt. Proceeds from these shares go to the company and may be used to fund growth.
• Secondary shares are existing shares sold by current shareholders. Proceeds from these shares go to the selling shareholders, not to Mynt.  

• CreditTech growth includes digital lending products such as GLoan, GGives, GCredit, and other loan offerings within the GCash ecosystem.
• Product development including new or improved services across its platform
• Strategic cash reserves give the company additional balance sheet flexibility to respond to business opportunities, regulatory requirements, competitive developments, or market changes.
• Other general corporate purposes.

Risks to Know Before Investing

Before making an investment decision, prospective investors should carefully consider the risks associated with an investment. Investing in Mynt involves the following risks:

• Regulatory Risk - Mynt operates in highly regulated businesses such as e-money, lending, payments, consumer protection, anti-money laundering, and data privacy. If regulators change the rules, Mynt may need to adjust its products, fees, lending practices, or operations which could potentially reduce revenue or increase costs.
• Credit and Lending Risk - CreditTech offers digital loans, many of which are unsecured. If more borrowers fail to repay their loans, Mynt may lose money or need to set aside more funds for bad loans.
• Cybersecurity and Data Privacy Risk - Because GCash is widely used, it can be a target for cybercriminals. A major security incident could hurt customer trust, lead to penalties, and damage the brand.
• Technology and System Reliability Risk - If the app or payment systems go down, users and merchants may not be able to transact. This could affect revenue and customer confidence.
• Competition Risk - Even though GCash is a market leader, customers and merchants can still switch to other platforms if they find better pricing, rewards, or services elsewhere.
• Market and Share Price Risk - The IPO price does not guarantee that the stock will trade higher after listing. Investors could lose money if the market price falls.
• Dividend Risk - Investors should not assume they will receive regular dividends. The company may choose to reinvest profits instead.

For a more detailed discussion on the risks in investing, see section on “Risk Factors” in the Prospectus, which, while not intended to be an exhaustive enumeration of all risks, must be considered in connection with a purchase of the Offer Shares. The Offer Shares are offered solely on the basis of the information contained and the representations made in the Prospectus.