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Stablecoin Market - Tether (USDT) 成为首个发行量达到 1000 亿美元的稳定币发行商 [1] - Tether (USDT) 在以太坊上处于领先地位 [1]

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Financial Data and Key Metrics Changes - The company reported revenue of $1.1 billion, operating income of $195 million, adjusted EBITDA of $245 million, and adjusted earnings per share of $3.62, with revenue growth below expectations due to macroeconomic factors [2][3] - Consolidated operating margins expanded by approximately 40 basis points year over year [2] - Adjusted earnings per share grew 19% year over year, maintaining a trajectory for 12% to 16% earnings growth for 2025 [11][31] Business Line Data and Key Metrics Changes - The EFT segment saw revenue growth of 5%, with operating income and adjusted EBITDA each growing 4%, driven by expansion in developing markets [3][4] - The epay segment experienced a revenue decline of approximately 5%, while operating income increased by 4% and adjusted EBITDA by 2%, primarily due to a shift in the wholesale mobile top-up business [5][6] - Money transfer revenue grew 1% year over year, with a 32% increase in direct-to-consumer digital transactions, although operating income and adjusted EBITDA decreased by 2% and 1% respectively [6][28] Market Data and Key Metrics Changes - In Europe, tourism grew approximately 3.3% year over year, but spending patterns became more selective, impacting overall consumer spending [4][5] - Remittances to Mexico declined more than 12% year over year, highlighting the impact of immigration policy changes on transaction volumes [7][14] Company Strategy and Development Direction - The company is focused on two key revenue pillars: payment and transaction processing, and cross-border and foreign exchange, with ongoing investments in digital initiatives and partnerships [15][16] - The Dandelion platform is positioned as a leader in real-time cross-border payments, with new partnerships enhancing its capabilities [16][27] - The company plans to launch stablecoin-enabled use cases in early 2026, integrating digital assets into its payment network [18][20] Management's Comments on Operating Environment and Future Outlook - Management acknowledged that global economic uncertainty and immigration policy changes have created transitory headwinds but expressed confidence in the underlying fundamentals of the business [13][14] - The company expects to finish the year with earnings growth similar to the third quarter, reaffirming its guidance of 12% to 16% year-over-year earnings growth [8][31] Other Important Information - The company ended the third quarter with $1.2 billion in unrestricted cash and $2.3 billion in debt, having completed a $1 billion convertible bond offering to strengthen financial flexibility [9][30] - Share repurchases have returned approximately 85% of annual earnings to shareholders over the past four years, with $130 million repurchased in the third quarter [10][30] Q&A Session Summary Question: Can you unpack the slight softness in the EFT segment? - Management noted that consumers are being cautious with spending due to increased costs in travel and economic uncertainty, impacting ATM transactions more than merchant acquiring [34][35] Question: What changed in the money transfer segment? - Management observed a choppy trend in transaction volumes, with October showing stronger performance compared to September, indicating potential recovery [36][37] Question: Can you discuss pricing trends in money transfer? - Pricing remained consistent overall, with some regional variations, particularly in the Middle East, but did not adversely impact third-quarter results [41][43] Question: What is the outlook for digital transaction penetration in money transfer? - The company aims to increase digital transaction penetration from 16% to higher levels, with a focus on omnichannel strategies to cater to customer preferences [44][46] Question: How does the company view future growth amidst macro challenges? - Management expressed confidence in achieving double-digit EPS growth in 2026, citing numerous growth opportunities and the strength of their asset base [80][81]

Financial Data and Key Metrics Changes - The company reported revenue of $1.1 billion, operating income of $195 million, adjusted EBITDA of $245 million, and adjusted earnings per share of $3.62, with revenue growth below expectations due to macroeconomic factors [2][3] - Consolidated operating margins expanded by approximately 40 basis points year-over-year [2] Business Line Data and Key Metrics Changes - The EFT segment saw revenue growth of 5%, with operating income and adjusted EBITDA each growing by 4%, driven by expansion in developing markets [3][4] - The epay segment experienced a revenue decline of approximately 5%, while operating income increased by 4% and adjusted EBITDA by 2%, primarily due to a shift in the wholesale mobile top-up business [5][6] - Money transfer revenue grew by 1% year-over-year, with a 32% increase in direct-to-consumer digital transactions, although operating income and adjusted EBITDA decreased by 2% and 1% respectively [6][7] Market Data and Key Metrics Changes - Travel volumes in Europe remained steady, with overall tourism growing approximately 3.3% year-over-year, although spending patterns were more selective [4] - Remittances to Mexico declined more than 12% year-over-year, highlighting the impact of immigration policy changes on transaction volumes [7] Company Strategy and Development Direction - The company is focused on two key revenue pillars: payment and transaction processing, and cross-border and foreign exchange, with ongoing investments in digital initiatives and partnerships [15][16] - The company plans to launch stablecoin-enabled use cases in early 2026, integrating blockchain technology into its payment network [19][20] Management's Comments on Operating Environment and Future Outlook - Management acknowledged that global economic uncertainty and immigration policy changes have created transitory headwinds but expressed confidence in the underlying fundamentals of the business [13][14] - The company expects to finish the year with year-over-year earnings growth similar to the third quarter, reaffirming a growth expectation of 12%-16% for the year [30][31] Other Important Information - The company ended the third quarter with $1.2 billion in unrestricted cash and $2.3 billion in debt, having completed a $1 billion convertible bond offering to strengthen financial flexibility [9][10] - Share repurchases have returned approximately 85% of annual earnings to shareholders over the past four years [10] Q&A Session Summary Question: Can you unpack the slight softness in the EFT segment? - Management noted that consumers are being cautious with vacation spending due to increased costs, impacting ATM transactions more than merchant acquiring [35] Question: What was the exit run rate for money transfer in October? - Management indicated that October has shown stronger performance compared to September, with growth outpacing the industry [37] Question: Can you discuss pricing trends in money transfer? - Management reported consistent pricing overall, with some regional variations, particularly in the Middle East [42] Question: What is the expected digital transaction penetration in money transfer? - Management aims for digital transaction growth rates to exceed 32%, with a goal of reaching 30%-35% penetration in the future [46] Question: How does the company view the impact of immigration policies on money transfer? - Management believes the current challenges are transitory and that demand for labor will eventually lead to a rebound in remittance activity [66]

Financial Data and Key Metrics Changes - The company reported revenue of $1.1 billion, operating income of $195 million, adjusted EBITDA of $245 million, and adjusted earnings per share of $3.62, with revenue growth below expectations due to macroeconomic factors [2][3] - Consolidated operating margins expanded by approximately 40 basis points year over year [2] - Adjusted earnings per share grew 19% year over year, maintaining a trajectory for 12% to 16% earnings growth for 2025 [11][30] Business Line Data and Key Metrics Changes - The EFT segment saw revenue growth of 5%, with operating income and adjusted EBITDA each growing 4%, driven by expansion in developing markets [3][4] - The epay segment experienced a revenue decline of approximately 5%, while operating income increased by 4% and adjusted EBITDA by 2%, primarily due to a shift in the wholesale mobile top-up business [4][5] - Money transfer revenue grew 1% year over year, with a 32% increase in direct-to-consumer digital transactions, although operating income and adjusted EBITDA decreased by 2% and 1% respectively [5][27] Market Data and Key Metrics Changes - In Europe, travel volumes remained steady, with overall tourism growing approximately 3.3% year over year, although spending patterns became more selective [3][4] - Remittances to Mexico declined more than 12% year over year, highlighting the impact of immigration policy changes on transaction volumes [7][8] - The company outperformed the market in the U.S. to Mexico corridor, achieving flat year-over-year growth despite broader declines [7][8] Company Strategy and Development Direction - The company is focused on two key revenue pillars: payment and transaction processing, and cross-border and foreign exchange, with ongoing investments in digital initiatives and partnerships [15][16] - The Dandelion platform is positioned as a leader in real-time cross-border payments, with new partnerships enhancing its capabilities [16][26] - The company plans to launch stablecoin-enabled use cases in early 2026, integrating digital assets into its payment network [18][19] Management's Comments on Operating Environment and Future Outlook - Management noted that global economic uncertainty and immigration policy changes have created transitory headwinds, but the underlying fundamentals remain strong [12][13] - The company expects to finish the year with earnings growth similar to the third quarter, reaffirming its guidance of 12% to 16% year-over-year growth [30] - Management expressed confidence in the ability to navigate current challenges and highlighted ongoing opportunities for growth through strategic initiatives [30][66] Other Important Information - The company ended the third quarter with $1.2 billion in unrestricted cash and $2.3 billion in debt, having completed a $1 billion convertible bond offering to enhance financial flexibility [9][10] - Share repurchases have returned approximately 85% of annual earnings to shareholders over the past four years, with $130 million repurchased in the current quarter [10][29] Q&A Session Summary Question: Can you unpack the slight softness in the EFT segment? - Management noted that consumers are being cautious with spending due to increased costs for travel and economic uncertainty, impacting ATM transactions more than merchant acquiring [33] Question: What was the exit run rate for money transfer in October? - Management indicated that October trends are stronger than September, with growth outpacing the industry despite recent challenges [34] Question: Can you discuss pricing trends in the money transfer segment? - Pricing has remained consistent overall, with some regional variations, particularly in the Middle East, but no significant adverse impacts were noted in the third quarter [38] Question: How does the company view the potential for digital transaction growth? - The company aims to increase digital transaction penetration, currently at 16%, with a goal of reaching 30% to 35% over time [40][41] Question: What are the expectations for revenue growth in Q4 and 2026? - Management is optimistic about a turnaround in revenue growth for Q4, with early indications in October suggesting improvement [47] Question: What corridors are experiencing softer growth? - Management highlighted softer growth in corridors such as Bangladesh and Turkey, influenced by immigration policies in those regions [64]

Euronet | www.euronetworldwide.com 2 Defined Terms Unless specifically noted otherwise within this presentation, the following terms are hereby defined as follows: Third Quarter 2025 Financial Results Michael J. Brown | Chairman & CEO Rick L. Weller | EVP & CFO Adam Godderz | General Counsel Euronet | www.euronetworldwide.com 1 Forward Looking Statements Statements contained in this news release that concern Euronet's or its management's intentions, expectations, or predictions of future performance, are fo ...

Core Insights - Blockchain is transitioning from a proof of concept to becoming a fundamental financial infrastructure by 2025, with major institutions moving from testing to building [1][2] Group 1: Traditional Financial Institutions - In Q3 2025, traditional financial institutions began integrating blockchain to enhance operations, reduce transaction costs, and improve market positioning [2] - JPMorgan's Kinexys network processes over $2 billion in daily transactions and has cleared more than $1.5 trillion since its launch, indicating a strong commitment to blockchain as a standard for institutional settlements [3] - SWIFT is developing a shared real-time ledger that will connect over 30 global banks, operating alongside its existing messaging system [3] Group 2: Stablecoin Initiatives - Stablecoin-focused projects gained traction in Q3, with Circle launching Arc, a Layer-1 blockchain designed for stablecoin finance [4] - Stripe and Paradigm introduced Tempo, a payments-first Layer-1 blockchain for stablecoin transactions, with advisory partners including Deutsche Bank, Visa, and Shopify [4][5] - Visa initiated a pilot program for select partners to pre-fund accounts with stablecoins to expedite cross-border payouts, with a broader rollout planned for 2026 [5] - Standard Chartered's Anchorpoint joint venture applied for a stablecoin issuance license under Hong Kong's new regulatory framework, positioning itself as a pioneer in direct stablecoin issuance among multinational banks [5] Group 3: Technology Firms - Technology companies are establishing the infrastructure for blockchain applications, with Google Cloud launching the Universal Ledger (GCUL), a neutral Layer-1 blockchain aimed at banks and capital markets [6] - CME Group is testing GCUL for faster collateral settlement and margin optimization, showcasing the collaboration between tech firms and financial institutions [6]

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Core Insights - The launch of CloverMint marks a significant advancement for Everything Blockchain Inc. in its goal to establish a digital banking system utilizing AI technology [1][4] - CloverMint aims to automate income generation in the stablecoin ecosystem, which has seen substantial growth and is projected to continue expanding [2][4] Company Developments - Everything Blockchain Inc. has introduced CloverMint, an AI-powered finance platform designed to enhance financial transactions and income generation [1] - The company is positioned within the stablecoin market, which reached approximately $250 billion in 2025, with projections suggesting it could grow to between $500 billion and $2 trillion in the coming years [2][4] - The company has reduced its total outstanding shares from 33 million to 26,837,575 as part of a restructuring effort to strengthen shareholder alignment [6] Financial Projections - If CloverMint captures 0.1% of a $1 trillion stablecoin market, it could manage around $1 billion in assets, potentially generating $80–200 million in gross annual yield [3] - Assuming a 20% take rate, the company's potential annual revenue could range from $16 million to $40 million based on these estimates [3] Market Positioning - CloverMint is seen as a bridge between traditional investors and the emerging AI finance sector, with the potential for significant revenue generation from a rapidly expanding market [4] - The stablecoin market is growing faster than traditional banking or fintech, presenting a unique opportunity for Everything Blockchain Inc. to capture market share [4] User Engagement Strategy - The company plans to implement a points program for early users of CloverMint, encouraging active participation and community ownership [5] - Participants in the program can earn points through platform usage, which can later be converted into CloverMint tokens, fostering user engagement before the official token launch [5]