Usio (USIO) Registration Filing summary

Company overview and business model

• Operates as a cloud-based fintech payment processor serving multiple industry verticals with a full-stack ecosystem for payment acceptance and funds disbursement.

• Offers payment facilitation, prepaid card, and electronic billing products to businesses, merchants, and consumers.

• Pursues growth both organically through product development and externally via acquisitions.

Financial performance and metrics

• Common stock traded on Nasdaq Capital Market under the symbol "USIO"; last reported sale price was $1.44 per share on May 20, 2025.

• Aggregate market value of outstanding equity held by non-affiliates was $27,383,004 as of May 20, 2025.

• Public float remains below $75 million, limiting sales under Form S-3 to one-third of public float in any 12-month period.

Use of proceeds and capital allocation

• Net proceeds from securities sales will be used for general corporate purposes, including working capital, R&D, capital expenditures, and potential acquisitions.

• Pending use, proceeds may be invested in interest-bearing securities.

• No proceeds will be received from sales by selling stockholders.