Rego Payment Architectures, Inc.

What they do

REGO develops and operates the Mazoola Digital Wallet Platform, a consumer software solution that enables minors, especially those under 13, to transact, complete chores, and learn financial management in a parental-controlled environment. The company monetizes the platform through white-label licensing, subscription fees, service fees, transaction fees, and revenue sharing with banking and distribution partners. REGO holds four US patents and maintains a portfolio of trade secrets.

Revenue drivers

• Mazoola Platform licensing and partnerships — The primary intended revenue source is white-label licensing and partnership agreements with FinTech and mainstream financial services firms, though revenue was minimal ($2,250 in FY2025).
• Subscription and service fees — Revenues are generated from monthly subscription levels, service fees, and transaction fees depending on the level of service and facilities requested, but the company reports it has not generated significant revenues.
• Revenue sharing with banking partners — In some cases, revenue sharing and licensing arrangements with banking and distribution partners are used, but specific amounts are not disclosed and overall revenue remains negligible.

Recent performance

For the fiscal year 2025, REGO reported annual revenue of $2,250, a net loss of $9.6 million, and diluted EPS of -$0.09. Operating cash flow was -$6.1 million for FY2025. In the most recent quarters, revenue jumped to $11,750 for the quarter ending 2026-03-31 and $31,850 for the quarter ending 2026-06-30, though still negligible. As of 2026-06-30, the company had total assets of $384,580, cash and equivalents of $95,014, and shareholders' equity of -$52.8 million.

Strategy

Management's strategy is to monetize the Mazoola Digital Wallet Platform through white-label, licensing, and partnership agreements to expand into multiple financial markets, reducing marketing expenses by leveraging partners. The company emphasizes its COPPA and GDPR compliance, including receiving the GDPRkidsTM Trustmark from PRIVO, as a competitive advantage. REGO also aims to enable incumbent FinTech participants and verticals with large family account bases to offer youth money management tools. The company has designed its platform to comply with CCPA as well.

Risks

• Going concern risk — The company has minimal revenues and recurring net losses (net loss of $9.6 million in FY2025), with negative shareholders' equity of -$52.8 million, indicating a need for additional capital to continue operations.
• Dependence on partnerships — The business model relies heavily on white-label licensing and partnership agreements; failure to secure or maintain these relationships would materially harm the business.
• Regulatory and compliance risk — Non-compliance with COPPA, GDPR, CCPA, or other privacy regulations could result in substantial fines and penalties, although the company claims its platform is designed to comply with these laws.
• Limited revenue history — The company has not generated significant revenues to date, and the reported revenue figures (e.g., $2,250 in FY2025) are immaterial, making it difficult to assess market acceptance of the platform.

Outlook

Management has not provided specific forward-looking financial guidance in the filings. The outlook focuses on growing the platform's reach through partnerships in the FinTech and financial services industries, leveraging the COPPA and GDPR compliance advantage. The company intends to improve and monetize the existing Platform and app, which will act as the foundation for strategic alignment with financial services markets.