UNITED STATES OF AMERICA SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 Title of each class Trading Symbol(s) Name of each exchange on which registered Common Stock, par value $0.001 per share CUEN The Nasdaq Stock Market LLC Warrants, each exercisable for one share of Common Stock CUENW The Nasdaq Stock Market LLC FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 FOR THE THREE MONTH PERIOD ENDED: MARCH 31, 2022 ☐ TRANSITION REPORT PURSUA ...

Revenue Performance - Total revenue for the year ended December 31, 2021, was $593,000, an increase of 6.3% from $558,000 in 2020[175]. - Telecommunications revenue increased to $525,000 in 2021 from $439,000 in 2020, while revenue from General Purpose Reloadable Cards decreased to $68,000 from $119,000[175]. Cost and Profitability - Cost of revenues decreased to $469,000 in 2021 from $697,000 in 2020, leading to a gross profit of $124,000 compared to a loss of $139,000 in 2020[176][177]. - The net loss for the year ended December 31, 2021, was $10,729,000, compared to a net loss of $8,101,000 in 2020[181]. Operating Expenses - Operating expenses rose to $10,789,000 in 2021 from $7,640,000 in 2020, primarily due to increased selling, general, and administrative expenses[178]. Assets and Funding - As of December 31, 2021, total current assets were $6,780,000, including $6,607,000 in cash, compared to total current assets of $296,000 in 2020[183][184]. - The company generated approximately $18,270,000 in gross proceeds from the sale of 4,245,140 shares of common stock in 2021[187]. - The company plans to use net proceeds from the offering for sales and marketing, research and development, and working capital[187]. - The company anticipates that existing cash and future income from operations will be sufficient to fund planned operations for the next 12 months[188]. Economic Outlook - The company does not expect inflation to significantly impact its operations[189].

UNITED STATES OF AMERICA SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 Title of each class Trading Symbol(s) Name of each exchange on which registered FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 FOR THE THREE MONTH PERIOD ENDED: SEPTEMEBR 30, 2021 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ______________ to ______________ Commission File Number: 001-3997 ...

UNITED STATES OF AMERICA SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 Title of each class Trading Symbol(s) Name of each exchange on which registered FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 FOR THE THREE MONTH PERIOD ENDED: JUNE 30, 2021 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ______________ to ______________ Commission File Number: 001-39973 CUE ...

UNITED STATES OF AMERICA SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 FOR THE THREE MONTH PERIOD ENDED: MARCH 31, 2021 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ______________ to ______________ Commission File Number: 333-148987 CUENTAS, INC. (Exact name of Registrant as specified in its charter) | --- | --- ...

Revenue and Expenses - Revenue for the year ended December 31, 2020, totaled $558,000, a decrease of 42.3% from $967,000 in 2019, attributed to a diminishing telecom business[208] - Cost of revenues for the year ended December 31, 2020, was $697,000, down from $808,000 in 2019, with $158,000 related to the sale of the GPR Card[209] - Operating expenses increased significantly to $7,640,000 in 2020 from $2,305,000 in 2019, primarily due to higher amortization expenses and officer compensation[211] - The company incurred a net loss of $8,101,000 for the year ended December 31, 2020, compared to a net loss of $1,320,000 in 2019[213] Assets and Liabilities - As of December 31, 2020, the company had total current assets of $296,000 and total current liabilities of $6,480,000, resulting in a working capital deficit of $6,184,000[215] - Net cash used in operating activities was $1,738,000 for the year ended December 31, 2020, compared to $1,315,000 in 2019[218] - Net cash provided by financing activities was approximately $1,949,000 in 2020, an increase from approximately $1,177,000 in 2019[219] Business Focus and Strategy - The company has focused on developing fintech products and services, beginning to generate sales in the third quarter of 2020[208] - The company aims to provide affordable and secure financial services to underbanked and unbanked individuals globally[203] - The company operates in a rapidly evolving regulatory environment, emphasizing compliance with laws related to payments and consumer protection[204] Financing and Capital Structure - The company issued a convertible promissory note of $250,000 with a 10.00% annual interest rate, maturing on November 12, 2021, convertible at $2.75 per share[222] - On February 4, 2021, the company sold 2,790,697 units at $4.30 per unit, generating gross proceeds of approximately $12.0 million before expenses[223] - The total expenses of the offering were approximately $1.4 million, including underwriting discounts and commissions of 8%[223] - The company granted the underwriter a 45-day option to purchase up to 418,604 additional shares to cover over-allotments in connection with the offering[223] Regulatory and Accounting Matters - The company is currently evaluating the impact of ASU 2020-06, effective for fiscal years beginning after December 15, 2023, which simplifies accounting for convertible instruments[253] - The company adopted new credit loss guidance effective January 1, 2020, with no material impact on its consolidated financial statements[249] - The company is currently classified as a smaller reporting company, thus the quantitative and qualitative disclosures about market risk are not applicable[255] Dividends and Inflation - The company has no immediate plans to issue dividends and has historically not paid dividends[245] - The company does not expect inflation to significantly impact its operations[228] Stock Options and Compensation - The company recognizes compensation expenses for stock options based on estimated fair values, using the Black-Scholes options pricing model[245] - The company has no off-balance sheet arrangements and does not anticipate entering into any such arrangements in the foreseeable future[227]

UNITED STATES OF AMERICA SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 FOR THE NINE-MONTH PERIOD ENDED: SEPTEMBER 30, 2020 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ______________ to ______________ Commission File Number: 333-148987 CUENTAS, INC. (Exact name of Registrant as specified in its charter) | --- | - ...

UNITED STATES OF AMERICA SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 FOR THE SIX-MONTH PERIOD ENDED: JUNE 30, 2020 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ______________ to ______________ Commission File Number: 333-148987 CUENTAS, INC. (Exact name of Registrant as specified in its charter) | --- | --- | | ...

UNITED STATES OF AMERICA SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 FOR THE NINE MONTH PERIOD ENDED: MARCH 31, 2020 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ______________ to ______________ Commission File Number: 333-148987 CUENTAS, INC. (Exact name of Registrant as specified in its charter) | --- | --- | ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2019 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number: 333-148987 CUENTAS, INC. (Exact name of Registrant as specified in its charter) Florida (State or Other Jurisdiction of Incorporation or Organization) | --- | |------------| | | | | | ...