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• Square (Block Inc.) for smaller businesses, offering integrated payment and business tools.
• Clover (owned by Fiserv) for integrated payment solutions with crypto acceptance.

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• Omnicommerce Payment Processing: Facilitates the acceptance of various payment methods across online, in-store, and mobile channels for businesses.
• E-commerce Solutions: Provides tools and integrations, including plugins for platforms like Shopify, to enable businesses to manage online sales and payment acceptance.
• Cryptocurrency Payment Acceptance: Enables merchants to accept and process payments made with cryptocurrencies.

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The OLB Group (symbol: OLB) operates primarily in a **Business-to-Business (B2B)** model, providing a unified digital commerce platform that includes payment processing solutions, order management systems, and crowdfunding technology to other businesses (merchants).

OLB Group does not publicly disclose the names of specific "major customer companies" that represent a significant concentration of its revenue. Its customer base is largely composed of a broad range of small and medium-sized businesses (SMBs) across various industries that utilize its platform to process transactions and manage their operations. Instead of specific named companies, OLB serves distinct categories of businesses:

• Small and Medium-sized Businesses (SMBs) Across Diverse Sectors: This forms the core of OLB's customer base. These businesses leverage OLB's omni-commerce platform to accept various payment methods (credit, debit, mobile, cryptocurrency), manage inventory, and streamline their sales processes, whether online, in-store, or via mobile.
• E-commerce and Brick-and-Mortar Retailers: Businesses involved in selling products directly to consumers, ranging from online-only stores to traditional physical retail locations. They utilize OLB's solutions for point-of-sale (POS) systems, online payment gateways, and fraud prevention.
• Cannabis Dispensaries and Related Businesses: OLB has developed specialized payment processing solutions tailored for the legal cannabis industry, which faces unique challenges in banking and payments. This targeted approach makes cannabis-related businesses a distinct customer category for OLB.

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Ronny Yakov is the founder and majority shareholder of The OLB Group, Inc. since 2004. He possesses over 25 years of experience in concept-to-print, software, and e-commerce marketing for Fortune 500 and 1000 companies. In 1996, he pioneered the electronic mail-order catalog business with Playboy Enterprises, developing and hosting e-commerce sites for Critics' Choice Video and Collectors' Choice Music. His other accomplishments include developing numerous branded e-commerce sites for clients, establishing an AT&T e-commerce platform for 180,000 employees, and creating 2,700 e-commerce sites for small community banks with Jack Henry and Associates. Yakov also developed and maintains a complex extranet/intranet infrastructure for Doremus, an Omnicom Communication subsidiary. The OLB Group's growth is primarily driven by acquisitions and public market funding rather than traditional venture capital.

Rachel Boulds oversees all aspects of The OLB Group's Bank Secrecy Act and Anti-Money Laundering Program, and is responsible for preparing and filing the company’s financial statements in compliance with GAAP and SEC requirements. She previously served as an ABAS associate for PriceWaterhouseCoopers and gained e-commerce experience as an e-commerce Accountant for the Walt Disney Group's GO.com. Ms. Boulds earned a B.S. in Accounting from San Jose University in 2001 and is a licensed CPA. Since 2009, she has also managed her own accounting practice, providing consulting and accounting services, including preparing financial statements for public companies.

Patrick Smith brings over 17 years of finance and accounting expertise within the electronic payments and financial services industry. His career roles have encompassed internal auditor, senior analyst, division controller, and Vice President of business development. He has experience in building and managing financial staff, raising capital, and overseeing due diligence processes for mergers and acquisitions. Starting as an internal auditor at Concord EFS in 1997, he advanced to Vice President-Controller of EFS Federal Savings Bank, where he significantly contributed to its asset growth from $25 million to over $400 million and managed over 1500 ATMs. Following the liquidation of Pay by Touch, he served as Corporate Controller for National Bankers Trust and later re-entered the payments industry to focus on financial planning and analysis for large ISOs.

Ehud Ernst has served as the chief executive officer of HyperTail.es since 2015. He founded and led Feelternet, a creative digital agency, as CEO from 2007 to 2017. Prior to that, he was a division manager at Data-Pro Proximity/BBDO from 2004 to 2007. From 1985 to 1999, Mr. Ernst founded and was CEO of Ernst Meron studios, one of Israel's largest commercial photography production studios. He also co-founded Impressia.com, a marketing technology start-up.

Amir Sternhell has been the Chief Strategy Officer of Sertainty, a data optimization company, since 2016. He has 24 years of experience in the IT and Corporate Learning industries. His previous roles include heading a business intelligence unit representing Microstrategy and serving as chief learning officer for Harvard Business Publishing. Mr. Sternhell also founded the first Non-Profit Organization dedicated to assisting Israel's Incubator System, supporting over 100 high-tech companies. Additionally, he was the vice-chairman of the American-Israel Chamber of Commerce and Industry.

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Key Risks to OLB Group, Inc.

1. Substantial and Continuing Losses and Weak Financial Health: The OLB Group has reported substantial and continuing losses, along with significant operating expenses, which may impede its ability to achieve operational objectives without sufficient financing. As of December 31, 2024, the company had a working capital deficit of $8,650,939 and a net loss of $11,224,911. InvestingPro data rates the company's financial health as "WEAK," noting a revenue decline of nearly 50% in the last twelve months to $16 million and a concerning current ratio of 0.08, indicating potential liquidity challenges. The company also registered a negative EBITDA of -$8.62 million in the last twelve months.
2. Intense Competition in the Fintech and Payment Technology Industries: The financial services and payment technology sectors are characterized by intense competition, with new market entrants and technological advancements posing significant threats to OLB's market share and profitability. The company competes with established players such as Square (Block, Inc.), PayPal, and Stripe.
3. Exposure to Market Risks and Fluctuations in Economic Conditions: OLB is susceptible to market risks, including variations in consumer spending and broader economic conditions. Such fluctuations could lead to reduced transaction volumes and, consequently, lower revenue for the company.

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The increasing market dominance and comprehensive integrated offerings of major commerce platforms and payment facilitators (e.g., Shopify with Shopify Payments, Square/Block, Stripe) which provide all-in-one solutions for small and medium-sized businesses (SMBs), including e-commerce, point-of-sale (POS), and seamlessly embedded payment processing. This trend makes it increasingly challenging for OLB to compete for merchant acquisition and retention by bundling payment services within a broader ecosystem, often at competitive rates and with superior convenience, thereby marginalizing independent payment processing solutions.

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The OLB Group, Inc. (OLB) primarily operates as a diversified fintech service provider, offering comprehensive digital commerce solutions to small and medium-sized businesses (SMBs) across the United States. Their main products and services fall under merchant payment processing and cloud-based omnichannel commerce platforms.

The addressable markets for OLB's main products and services are as follows:

• Merchant Payment Processing Services:

  • Globally, the merchant services market is valued at approximately $66.7 billion in 2025.
  • In the United States, the merchant services market generates $56 billion in annual revenue in 2025.
  • The global merchant service market size was approximately USD 45 billion in 2024 and is projected to reach USD 80 billion by 2033.
  • The global payment processing industry is projected to generate between $60 billion and $140 billion in vendor revenue in 2025. North America is identified as the largest regional market for payment processing.

• E-commerce Payment Gateway:

  • The global e-commerce payment gateway market size is expected to be around USD 6.21 billion in 2024, with a projection to reach approximately USD 44.62 billion by 2034.
  • The U.S. market for e-commerce payment gateways is valued at USD 2.10 billion in 2024.
  • The global e-commerce payment market size was valued at USD 57.17 billion in 2024 and is projected to reach USD 142.12 billion by 2031.

• Omnichannel Payments / Omnichannel Retail Solutions:

  • The global omnichannel payments market size reached USD 16.7 billion in 2024 and is projected to grow to USD 47.3 billion by 2033.
  • Another estimate places the global omnichannel payments market size at USD 17.8 billion in 2024, with a projection to expand to USD 51.7 billion by 2033.
  • The global Omni Channel Retail Solutions market is projected to grow from USD 29.13 billion in 2023 to USD 82.9 billion by 2032.

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Here are 3-5 expected drivers of future revenue growth for The OLB Group (OLB) over the next 2-3 years:

1. Launch and Expansion of MOOLA Pay: The OLB Group is set to launch MOOLA Pay, a Mastercard pre-paid card solution, in Q1 2025. This new product targets the unbanked and underbanked communities and will be distributed through a network of 31,600 convenience stores and bodegas across the United States, indicating a significant new market entry and product offering.
2. Growth in Digital Products Sales: The company has observed substantial momentum in its digital products segment, with sales more than doubling in Q2 2024. This trend suggests an ongoing and increasing demand for their digital offerings, contributing to future revenue.
3. Expansion of Payment Processing and Software Applications: OLB has been actively securing new clients for its payment processing and software applications, including recent agreements with minor league baseball teams. This indicates a strategy of customer acquisition and expansion into new verticals.
4. Expansion of Black011 Offerings: With the full ownership of Black011, OLB plans to rebrand and expand its offerings. This initiative is expected to drive revenue growth through enhanced and diversified services under the Black011 umbrella.
5. Increased Distribution and Service Locations: The OLB Group has expanded its services to 1,800 distribution locations and plans to further increase these service points. This broader reach is anticipated to enhance accessibility to their products and services, thereby boosting customer base and transaction volumes.

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Share Repurchases

• In December 2022, OLB Group initiated a stock buyback program authorized for up to 1 million shares of its common stock.

Share Issuance

• OLB Group completed a $25 million private placement in November 2021.
• In June 2025, Vice President of Finance, Patrick G. Smith, acquired 730,059 shares at $1.31 per share from the company's treasury to satisfy outstanding liabilities, debt financing, accrued interest, and bonuses.
• The company underwent a 1-for-10 stock split in May 2024.

Inbound Investments

• The company raised $25 million in a Post IPO funding round on November 8, 2021.
• OLB's growth has been primarily fueled through acquisitions and public market funding.

Outbound Investments

• OLB Group has completed a total of five acquisitions over the past five years, with peak activity in 2023, 2021, and 2020.
• In August 2023, OLB Group acquired an 80% stake in Cuentas SDI, a company providing wallet-enabled payment solutions.
• The company acquired Crowd Ignition for $5.3 million in November 2021 and DoubleBeam in May 2020 for an undisclosed amount. OLB also acquired a portfolio of CBD merchants, anticipated to add an additional $20 million in annual payment processing revenue and $5 million in EBITDA, based on a historical annual transaction volume of approximately $400 million in 2022.

Capital Expenditures

• In December 2021, OLB Group signed a long-term lease for a 10,000-square-foot cryptocurrency mining facility in Bradford, PA.
• The company's subsidiary, DMint, ordered its first batch of cryptocurrency miners in September 2021 and data centers for cryptocurrency mining in August 2021.