CSU Digital (CSUD3) Investor presentation summary

Business model and scale

• Brazil-focused independent infratech with a B2B2C model, providing financial-services technology through white-label platforms, modular solutions and APIs.

• 32 years of experience, 40+ large corporate customers, 36.7M+ registered cards and accounts, 1.1B+ transactions processed and TPV above R$400B in 2024.

• Serves customers across banking, financial services, retail, consumption and other sectors.

Integrated solutions and technology

• Portfolio spans digital payments, embedded finance, loyalty and incentives, customer experience, and AI and hyperautomation for business processes.

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

• Technology combines cloud and mainframe, APIs and microservices, with multi-network, multi-currency and multi-channel capabilities; R$260M+ invested in technology over five years.

• AI and hyperautomation solutions target workflow automation, fraud prevention, onboarding, data curation and personalized financial services.

Growth strategy and operating traction

• Growth strategy centers on adding B2B clients, expanding active users and transactions per user, and improving operational efficiency through digitalization, data and loyalty initiatives.

• 2024 active users reached 22.4M, up 10% YoY; activation rate was 61% of a 36.7M user base, and transactions totaled ~1.2B, up 10% YoY.

• Transactions per user rose from ~30 in 2020 to ~53 in 2024; 2024 included 6 new B2B clients and 8 amendments with existing clients.

• CSU Pays digitalization rate was 95% and CSU DX digitalization rate was 71% in 2024.