They realized that the traditional credit system was flawed and often excluded individuals who didnt have a credit history or a high credit score. This inspired them to create a credit card that would be accessible to everyone, regardless of their credit history. One of the key features of the TomoCredit card is the 2 for 2 program. This program allows cardholders to build credit by making just two small purchases per month and paying them off in full. This simple and effective strategy helps individuals establish a positive credit history and improve their credit score over time. Another advantage of the TomoCredit card is that it doesnt require a credit history for approval. This means that even individuals who are new to the country or have never had a credit card before can easily get approved for a Tomo card. This is a game-changer for many people who have struggled to access credit in the past. Additionally, the TomoCredit card has no fees. This means no annual fees, no foreign transaction fees, and no late payment fees. This is a refreshing change from traditional credit cards that often come with a range of fees that can add up over time. Overall, TomoCredit is revolutionizing the credit card industry by offering a smart and inclusive solution for individuals who have been excluded by the traditional credit system. With its 2 for 2 program, no credit history required, and no fees, the TomoCredit card is a great option for anyone looking to build credit and take advantage of the perks of a credit card. Social Link

Tomorrow is a mobile banking service that combines convenience and sustainability. It offers its customers a range of features, such as accounts, cards, and investments, that support environmental and social causes. For every payment made with a Tomorrow card, a portion of the revenue goes to fund projects that fight climate change, protect the rainforest, and provide clean water. It is also certified as a B Corp, which means it meets high standards of social and environmental performance. It is more than just a bank, it is a movement for a better tomorrow. 🌱 Year Founded: It was founded in 2018. CEO: The CEO of Tomorrow is Jakob Berndt. Why choose Tomorrow? Sustainability: Every payment with your Tomorrow card finances climate protection. Social Justice: They are committed to sustainability and social justice. Positive Impact: The money in your account is used to fund environmentally and socially sustainable projects. Certified B Corporation: They meet the highest standards of verified social and environmental performance, public transparency, and legal accountability to balance profit and purpose. Innovation: It combines mobile banking with true sustainability. Social Link

ToneTag technology is designed to make proximity payments simple and secure. By using sound or NFC, It enables businesses to easily communicate with their customers and provide them with extraordinary experiences. The technology is built on proprietary software, making it easy to integrate into existing hardware and compatible with various platforms. Data security is a top priority for ToneTag, with multiple layers of protection in place. This technology is accessible to all types of businesses, from small merchants in remote areas to large multinational corporations, allowing them to better understand, reach, and engage with their customers. Social Link

Tonik offers a range of banking services including savings accounts, time deposits, and unsecured loans. Customers can open an account and manage their finances entirely through the Tonik mobile app, without the need to visit a physical branch. One of the key advantages of Tonik is its competitive interest rates. The bank offers high-interest savings accounts, allowing customers to earn more on their deposits compared to traditional banks. Tonik also provides flexible loan options with competitive interest rates, making it easier for customers to access credit. Tonik prioritizes security and customer protection. The bank uses advanced encryption and security measures to ensure the safety of customer data and transactions. Additionally, Tonik is regulated by the BSP and customers deposits are insured by the PDIC, providing an extra layer of protection. Tonik aims to provide a seamless and convenient banking experience for its customers. The mobile app allows users to easily open an account, deposit and withdraw funds, transfer money, pay bills, and access other banking services. The app also provides personalized financial insights and recommendations to help customers manage their money more effectively. Overall, Tonik is revolutionizing the banking industry in the Philippines by offering a fully digital and customer-centric banking experience. With its competitive rates, convenient services, and strong regulatory oversight, Tonik is well-positioned to capture a significant share of the retail deposit and lending market in the country. Social Link

Top Choice Payments is rated by many as Fort Worth’s favorite merchant and digital banking service provider. It partners with your business to secure competitive merchant account rates, ensure PCI compliance, and provide cutting-edge software and equipment for seamless payment processing. 1. Security: Secure transactions and data protection to ensure the safety of sensitive financial information. 2. Ease of Use: User-friendly interfaces and intuitive platforms for smooth transactions. 3. Payment Processing Options: Support for various payment methods, including credit cards, debit cards, digital wallets, and other popular payment options. 4. Integration Capabilities: Seamless integration with other business systems and platforms to streamline operations. 5. Competitive Rates: Transparent and competitive pricing with reasonable transaction fees. 6. Customer Support: Responsive and helpful customer support to address any issues or concerns. 7. Reporting and Analytics: Robust reporting tools to track transactions, analyze sales data, and gain insights into financial performance. 8. Customization: Options for customization to meet the specific needs of businesses, including branded payment pages and personalized features. 9. Compliance: Adherence to industry regulations and compliance standards to ensure legal and ethical business practices. 10. Mobile Accessibility: Mobile-friendly solutions, apps, or interfaces to cater to users who prefer making transactions on mobile devices. Social Link

Topi payment solution allows businesses to offer Hardware-as-a-Service (HaaS) to their customers. This means that instead of purchasing hardware outright, businesses can lease it and pay for it on a monthly basis. This can help businesses to manage their cash flow more effectively and avoid large upfront costs. Topi technology infrastructure enables businesses to easily manage their HaaS offerings. They can track inventory, manage subscriptions, and handle billing and payments all in one place. This streamlines the process for both the business and their customers, making it easier for them to access the hardware they need. In addition to its payment solution, Topi also provides technology consulting services to help businesses optimize their operations. This includes helping them choose the right hardware and software solutions, as well as providing ongoing support and maintenance. Overall, Topi is helping to modernize B2B procurement and payment processes by offering a more flexible and streamlined solution. By enabling businesses to offer HaaS, Topi is making it easier for small and medium-sized enterprises to access the hardware they need to grow and succeed. Social Link

TOPWISE offers a range of payment solutions, including POS terminals that support various payment methods such as QR code payments and face identification payments. These terminals are compatible with popular payment platforms like Alipay, Lakala Pay, and PayTM. In addition to payment solutions, TOPWISE also provides commercial and banking automation solutions. This includes self-service kiosks, ATM machines, and cash handling devices. These solutions help businesses automate their operations and improve efficiency. TOPWISE also offers research and tax solutions, helping businesses stay compliant with tax regulations and providing insights into market trends and consumer behavior. Their management platforms provide businesses with tools to manage their operations, including inventory management, sales tracking, and customer relationship management. With a strong track record of successful implementations, TOPWISE has worked with major banks and payment platforms in China, India, Nigeria, Iran, and other countries. Their solutions have helped businesses streamline their payment processes, improve customer experience, and increase revenue. Overall, It is a leading technology service provider in the payment industry, offering innovative solutions that cater to the evolving needs of businesses and consumers. Social Link

Tor Currency Exchange Limited, also known as TorFX, is an electronic money institution that specializes in international money transfers. They offer a range of services including money transfers, regular payments, repatriation of funds, and virtual accounts to both individuals and businesses. As of 2019, Tor Currency Exchange Limited had total assets of 108.42 million GBP and generated a net income of 7.59 million GBP. They are incorporated in the United Kingdom and are authorized and regulated by the Financial Conduct Authority. TorFX provides a secure and efficient platform for transferring money internationally, with competitive exchange rates and low fees. They aim to make the process as simple and convenient as possible for their customers, offering personalized service and expert guidance. Overall, Tor Currency Exchange Limited, or TorFX, is a trusted and reliable provider of international money transfer services, catering to the needs of individuals and businesses alike. Social Link

TotalPro Services offers a wide range of services to assist clients in setting up and managing their businesses. These services include company formation, corporate administration, accounting and bookkeeping, tax planning and compliance, payroll services, and virtual office solutions. When it comes to company formation, TotalPro Services can assist clients in choosing the most suitable legal structure for their business, whether it be a limited liability company, partnership, or sole proprietorship. They handle all the necessary paperwork and liaise with the relevant authorities to ensure a smooth and efficient registration process. Once a company is established, TotalPro Services provides ongoing corporate administration services to ensure compliance with all legal and regulatory requirements. This includes maintaining statutory records, preparing and filing annual returns, and acting as a registered office and company secretary. TotalPro Services also offers comprehensive accounting and bookkeeping services to help clients keep track of their financial records. Their team of experienced accountants can handle all aspects of financial management, including invoicing, bank reconciliations, and financial reporting. In addition, TotalPro Services provides tax planning and compliance services to help clients minimize their tax liabilities and ensure compliance with local tax laws. They can assist with tax registration, preparation and filing of tax returns, and provide advice on tax-efficient business structures and strategies. TotalPro Services also offers payroll services to help clients manage their employee payroll and ensure compliance with employment laws and regulations. They handle all aspects of payroll processing, including calculating salaries, deducting taxes and social security contributions, and preparing payslips. For clients who require a physical presence in Cyprus, TotalPro Services offers virtual office solutions. This includes a prestigious business address, mail handling and forwarding services, and access to meeting rooms and other facilities as needed. Overall, TotalPro Services aims to provide a comprehensive and personalized service to assist clients in all aspects of starting and managing their businesses. With their expertise and commitment to customer satisfaction, they have become a trusted partner for businesses in Cyprus and beyond. Social Link

Totle Swap works by aggregating liquidity from various decentralized exchanges (DEXs) and synthetic asset providers. When a user wants to swap one ERC-20 token for another, Totle Swap automatically searches for the best price across multiple DEXs and executes the trade at that price. This ensures that users get the best possible price for their trade, as they are not limited to the liquidity of a single DEX. By accessing liquidity from multiple sources, Totle Swap can provide users with deeper liquidity and better prices. Totle Swap also offers near instant swaps, allowing users to quickly and easily trade their tokens without having to wait for orders to be filled on individual DEXs. This makes it convenient for users who want to execute trades quickly and efficiently. In addition to It Swap, it also offers other tools and services to help users access decentralized liquidity. These include Totle API, which allows developers to integrate Totle liquidity aggregation into their own applications, and Totle Portfolio, which provides users with a comprehensive view of their decentralized assets. Overall, It provides a suite of tools that make it easy for users to access deep liquidity for DeFi assets at the best price. By aggregating liquidity from multiple sources, Totle Swap ensures that users get the best possible price for their trades, while also offering near instant swaps for a seamless trading experience. Social Link

TouchBistro POS system is designed specifically for the restaurant industry, with features that cater to the unique needs of restaurants, cafes, bars, and food trucks. The system is easy to use and can be customized to fit the specific needs of each establishment. Some of the key features of TouchBistro POS system include: 1. Order Management: TouchBistro allows servers to take orders directly at the table using an iPad. Orders are sent directly to the kitchen, reducing the risk of errors and improving efficiency. 2. Menu Management: The system allows restaurants to easily create and update their menus, including adding new items, changing prices, and updating descriptions. Menus can be customized for different times of day or special events. 3. Table Management: TouchBistro table management feature allows restaurants to easily track and manage tables, including seating, splitting checks, and transferring tables. 4. Payment Processing: The system includes integrated payment processing, allowing restaurants to accept credit card payments directly through the POS system. This eliminates the need for a separate payment terminal and reduces the risk of errors. 5. Reporting and Analytics: TouchBistro provides detailed reports and analytics on sales, inventory, and customer data. This allows restaurants to track performance, identify trends, and make data-driven decisions. 6. Online Ordering: TouchBistro offers an integrated online ordering platform, allowing restaurants to accept orders directly from their website or mobile app. Orders are seamlessly integrated into the POS system, reducing the risk of errors and improving efficiency. 7. Reservations: The system includes a reservation management feature, allowing restaurants to easily accept and manage reservations. This helps to streamline the reservation process and improve customer service. In addition to these features, TouchBistro also offers a range of integrations with other restaurant management tools, such as accounting software, loyalty programs, and delivery services. This allows restaurants to create a fully integrated and streamlined system for managing their operations .Overall, TouchBistro POS system is designed to help restaurants improve efficiency, increase sales, and provide a better customer experience. With its user-friendly interface and comprehensive features, TouchBistro is a popular choice for restaurants of all sizes. Social Link

Touco Lab main focus is on helping individuals with long-term mental health conditions effectively manage their finances. They understand the importance of involving the support network of these individuals, including their family and friends, in the process. To achieve this, Touco Lab has developed tools and applications that leverage Open Banking and prepaid cards. Open Banking allows for secure access to financial data, enabling Touco Lab to provide personalized and tailored support to their customers. Prepaid cards offer a convenient and controlled way for individuals to manage their spending. In their work, It has adopted inclusive design principles to ensure that their solutions are accessible and beneficial to customers in vulnerable circumstances. They understand the unique challenges faced by these individuals and strive to create solutions that address their specific needs. It is continuously improving their technology and expanding their offerings. They are also collaborating with organizations that are interested in enhancing their own solutions for customers in vulnerable circumstances. By sharing their expertise and knowledge, Touco Lab aims to contribute to the development of more inclusive and supportive financial services for all individuals. Social Link