RPMTOTCServices-Prepackaged SoftwareUS GAAP · USD

Rego Payment Architectures, Inc.

REGO Payment Architectures, Inc. is a U.S.-based software company centered on Mazoola®, a family-focused mobile banking and payment platform. The company develops a COPPA- and GDPR-compliant digital architecture for controlled payments, parental oversight, and youth financial literacy, and it is headquartered in Blue Bell, Pennsylvania.

Kysy yhtiöstä
Liikevaihto0,0milj. USD
Liikevoitto (EBIT)−8,5milj. USD
−7,3 %v/v
EBIT-marginaali−378 491,5%
Nettotulos−9,6milj. USD
−7,5 %v/v

Tilikausi 2025 · muutos edellisvuodesta

Kehitys 2020–2025

−20−15−10−505milj. USD2020: 0,03 milj. USD2020: EBIT −3,2 milj. USD20202021: 0,00 milj. USD2021: EBIT −10 milj. USD20212022: 0,00 milj. USD2022: EBIT −15 milj. USD20222023: 0,00 milj. USD2023: EBIT −16 milj. USD20232024: EBIT −7,9 milj. USD20242025: 0,00 milj. USD2025: EBIT −8,5 milj. USD20250,00−8,5
LiikevaihtoLiikevoitto (EBIT)
Kysy Clarifolta: Rego Payment Architectures, Inc.

Liiketoiminta

Osuus liikevaihdosta
Consumer mobile payment platform40 %

Mazoola® app and related tools for family-controlled payments and money management.

White-label platform licensing30 %

Licensed use of the underlying platform by banks, partners, and distributors.

Transaction and service fees20 %

Fees tied to payment activity, platform usage, and support services.

Subscription revenue10 %

Recurring monthly access fees for platform features and service tiers.

Asiakkaat

REGO sells primarily to partners that want to offer family-oriented financial products without building the compliance and control stack themselves. Target customers include financial institutions, telecom companies, media distributors, OEMs, merchants, and other brands with large family account bases. End users are parents and minors, with the product designed to let adults control spending while children learn money management in a supervised environment.

Financial institutions

Banks and similar institutions license the platform to add family wallet functionality to digital banking offerings.

Telecommunications companies

Telecom partners can bundle the platform for family accounts and youth payment use cases.

Consumer brands and distributors

Media, OEM, and merchant partners use the platform to engage family audiences and youth users.

Parents and guardians

Adults use the app to set controls, approve transactions, and manage child accounts.

Minors and teens

Children and teens use the platform for chores, allowances, and supervised spending.

Strategia

REGO’s strategy is to license its COPPA-compliant family wallet architecture to partners that already have large customer bases, rather than relying only on direct consumer acquisition. The company also aims to extend the same control-and-compliance framework into other financial and digital use cases through white-label deployments, revenue sharing, and partner integrations.

Partner-led platform licensingLyhyt aikaväli

Partner distribution can scale reach without building a large consumer sales force.

Compliance differentiationLyhyt aikaväli

COPPA and GDPR compliance are central to winning trust in youth financial products.

Broader field-of-use expansionKeskipitkä aikaväli

The company wants to reuse the same architecture across multiple controlled-payment markets.

Maantiede

REGO is headquartered in Blue Bell, Pennsylvania and operates as a U.S.-based software company. The available filings emphasize compliance with U.S. COPPA rules and GDPR requirements for EU data handling, which suggests the platform is designed for cross-border digital use rather than a single-country market. No country-level revenue disclosure was provided in the excerpts.

Riskit

REGO is an early-stage software company with limited operating history and no significant revenue in the excerpts, so execution risk is high. Its business depends on partner adoption, regulatory compliance, and continued access to financing, while youth-data handling and payment functionality create legal, privacy, and security exposure.

Järjestetty vakavuuden mukaan
Liquidity and financing dependenceKriittinen

The company states existing cash may not sustain operations for twelve months and may need external capital.

Kohdistuu: Operating continuity and dilution risk

Partner adoption and commercialization riskKorkea

Revenue depends on banks, telecoms, and other partners choosing to license the platform.

Kohdistuu: Sales execution and time-to-revenue

Privacy and child-data compliance riskKorkea

The platform processes minors' data and must comply with COPPA, GDPR, and related rules.

KohdistuuRegulatoryLegalReputational
Technology and cybersecurity riskKorkea

A payments platform must protect user data, transaction integrity, and access controls.

Kohdistuu: Platform trust and operational continuity

Kysy Clarifolta: Rego Payment Architectures, Inc.

Kirjanpito

Harkinnanvaraiset erät
Stock-based compensation

Fair value depends on volatility, term, and forfeiture assumptions, which can materially affect reported expenses.

Vaikutus: Operating loss and equity compensation expense

Revenue recognition across multiple fee types

Subscriptions, transaction fees, service fees, and licensing may be recognized at different points in time.

Vaikutus: Revenue timing and comparability across periods

Revenue sharing and partner contracts

Partner-based monetization can require judgment on gross versus net presentation and contract obligations.

Vaikutus: Reported revenue and margins

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Päivitetty: 29.4.2026