CSU Digital (CSUD3) Investor presentation summary

Business profile and platform

• 33 years of experience; 40+ large corporate clients, 37M+ registered cards and accounts, 1.2B+ transactions processed, and TPV above R$471B.

• B2B2C model offers white-label and modular API solutions across digital payments, embedded finance, loyalty, customer experience, and AI-powered hyperautomation.

• Integrated, network-agnostic platform connects payment methods, accounts, credit, investments, marketplaces, loyalty, fraud prevention, and customer channels.

• Full-service card operations span onboarding and KYC, credit validation, processing, fraud prevention, authorization, customer experience, collections, and reporting.

Growth strategy and innovation

• Growth strategy targets new B2B clients, larger active user bases, more transactions and services per user, and expansion into new markets and geographies.

• Strategic priorities include AI for personalization and payment activation, hyperautomation of middle- and back-office processes, and new geographies and global products.

• HAS deployments reached 6 clients in 3Q25; 2 additional contracts were signed in 3Q25 and were expected to begin generating revenue in 4Q25.

• HAS client outcomes include 30%-40% lower request-resolution time, 80%+ productivity gains, 100% of scoped calls analyzed, and 25x more calls monitored per month.

• HAS capabilities include AI agents for customer service and credit analysis, automated dispute workflows, dynamic fraud scoring, churn prediction, and document recognition.

Operating performance

• 3Q25 registered cards and accounts reached 37.7M; billed units were 24.2M, with a 64% activation rate.

• 9M25 processed transactions totaled 900.0M, up 2%; TPV reached R$361.7B, up 23% YoY.

• 9M25 consolidated net revenue was R$459.1M, up 9% YoY; CSU Pays revenue was R$288.5M, up 5%, and CSU DX revenue was R$170.6M, up 17%.

• 9M25 consolidated gross profit was R$189.2M, up 7% YoY, with a 41.2% gross margin; CSU DX gross profit rose 38% YoY to R$35.2M, with a 20.6% margin.

• 3Q25 digital interactions were 74%; HAS managed 3.9M interactions in the quarter, with 2 new contracts signed.