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Here are 1-3 brief analogies to describe OLB:

• For its payment and business management services, OLB is like Square (Block) for small- and mid-sized merchants.
• For its crowdfunding platform, OLB is like a NASDAQ for startups and small businesses raising capital.

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• Crowdfunding Platform: A platform used to facilitate capital raises for various types of securities under different regulations.
• Business Management Platform: A cloud-based platform providing turnkey solutions for merchants to build and manage their retail businesses.
• Payment Processing Solutions: Services enabling merchants to process credit and debit card-based internet payments, including payment gateway and virtual terminal functionalities.
• Cryptocurrency Services: Engages in cryptocurrency mining activities, lending, and transactional services.
• Ecommerce Development and Consulting: Provides services for developing and consulting on ecommerce strategies and operations.

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• Small- and mid-sized merchants in the United States. These businesses utilize OLB's integrated financial and transaction processing services, cloud-based business management platforms, payment gateways, and e-commerce development and consulting services.

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The following companies are major suppliers for OLB:

• Fiserv, Inc. (Symbol: FI)
• Visa Inc. (Symbol: V)
• Mastercard Incorporated (Symbol: MA)
• Discover Financial Services (Symbol: DFS)

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Ronny Yakov, Chairman, Chief Executive Officer, President, Secretary, and Director

Mr. Yakov has served with The OLB Group, Inc. since 2004, bringing over two decades of operational expertise. He is also the founder and majority shareholder of the company. With more than 25 years of experience in concept-to-print, software, and e-commerce marketing for Fortune 500 and 1000 companies, he has a proven track record of helping clients adapt to new technologies. In 1996, he ventured into the electronic mail-order catalog business, creating and hosting two e-commerce sites, Critics' Choice Video and Collectors' Choice Music, for Playboy Enterprises. His accomplishments also include establishing an AT&T e-commerce platform for 180,000 employees and collaborating with clients like Jack Henry and Associates to create 2,700 e-commerce sites for community banks. He additionally developed and maintains a complex extranet/intranet infrastructure for Doremus, a subsidiary of Omnicom Communication.

Rachel Boulds, Chief Financial Officer and BSA Compliance Officer

Ms. Boulds is responsible for overseeing financial statements and ensuring regulatory compliance. She has over 20 years of accounting experience working with public companies, including adherence to GAAP and SEC requirements. Her professional background includes serving as an ABAS associate for PriceWaterhouseCoopers and 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.

Patrick Smith, VP Corporate Finance

Mr. Smith possesses over 17 years of experience in finance and accounting within the electronic payments and financial services industry. Throughout his career, he has held various roles, including internal auditor, senior analyst, division controller, and Vice President of business development. He has experience building and managing financial staff, raising capital, and overseeing due diligence processes for mergers and acquisitions. Mr. Smith began his career in 1997 as an internal auditor with Concord EFS, an electronic payments processor.

Amir Sternhell, Director

Since 2016, Mr. Sternhell has served as the chief strategy officer of Sertainty, a data optimization company. He brings 24 years of experience from the IT and Corporate Learning industries, including two decades in business intelligence and as a chief learning officer representing Harvard Business Publishing. Mr. Sternhell founded the first Non-Profit Organization dedicated to assisting Israel's Incubator System, providing support to over 100 high-tech companies. He also served in the Directorate of Military Intelligence for the Israel Defense Forces.

Alina Dulimof, Independent Director

Ms. Dulimof is currently the Chief Operating Officer and Head of Investor Relations and Business Development at Dorset Management LLC, a commodity trading hedge fund she co-founded. Since 2017, she has been a managing director at Park Avenue Securities (PAS), focusing on business development. Previously, she was a partner with Nationwide Planning Associates from 2012 to 2017 and a VP, Private Banking at Merrill Lynch in New York from 2007 to 2009. From 1999 to 2007, Ms. Dulimof was an Investment Manager with BrainHeart, a VC firm, where she managed investment decisions and supported portfolio companies. As an entrepreneur, she achieved successful exits from two of her startups before joining BrainHeart. Over 15 years, she has managed, advised, and invested in a wide array of companies across sectors such as Blockchain technology, Fintech, 5G, IoT, Cybersecurity, AI, Robotics, E-commerce, Creator economy, Mobile, OOH advertising, and Biotech, working alongside entrepreneurs, venture capital, and private equity firms.

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1. Going Concern and Liquidity Concerns: The OLB Group, Inc. has expressed substantial doubt about its ability to continue as a going concern without fresh capital. The company faces severe liquidity and profitability issues, evidenced by a significant revenue decline to $6.90 million for the nine months ended September 30, 2025, down from $10.10 million in the prior year, and persistent net losses, totaling $4.39 million for the same period. The company has a history of operating losses and has relied on short-term loans to fund capital requirements, with management noting a challenging financial outlook due to weak gross profit margins. Furthermore, as of recent assessments, OLB is projected to have insufficient cash runway based on free cash flow estimates.
2. NASDAQ Delisting Risk: OLB Group received a notice from the NASDAQ Stock Market on January 29, 2026, indicating non-compliance with the minimum $1.00 closing bid price requirement for 30 consecutive business days. The company has been granted a 180-day grace period, until July 28, 2026, to regain compliance. Failure to meet this requirement could lead to a delisting notice, which would significantly impact the company's market visibility and ability to raise capital.
3. Material Weaknesses in Internal Controls: The OLB Group, Inc. has reported material weaknesses in its internal controls over financial reporting, as disclosed in its Form 10-K for the year ended December 31, 2023. This issue was identified by an outside firm during the preparation of financial statements. This indicates potential deficiencies in the company's financial reporting processes, which can affect the reliability of its financial statements and investor confidence.

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• Consolidation and "Super App" Model in Merchant Services: Larger tech companies and established FinTech players are increasingly offering integrated "super app" like solutions that bundle payment processing, point-of-sale systems, e-commerce platforms, business management tools, and even small business lending. These platforms, with their vast resources and user bases, can offer more comprehensive, often lower-cost, and more user-friendly solutions than smaller, specialized providers, posing a significant threat to OLB's core merchant services and business management platform.
• Evolving Regulatory Landscape and Technological Shifts in Cryptocurrency: OLB's cryptocurrency mining, lending, and transactional services are highly susceptible to the rapidly evolving and often unpredictable regulatory environment. Increased government scrutiny, potential crackdowns on specific crypto activities (like lending or unregistered securities), or unfavorable legislative changes could severely impact the profitability and viability of these operations. Additionally, technological shifts within the crypto space, such as the increasing emphasis on energy efficiency or the development of Central Bank Digital Currencies (CBDCs), could render some of OLB's crypto activities less competitive or obsolete.
• Automation and Commoditization of E-commerce Development: The rapid advancement of AI-powered website builders, no-code/low-code platforms, and increasingly sophisticated e-commerce platform features (e.g., Shopify's AI tools) threatens to automate or significantly simplify many aspects of e-commerce development and consulting. This could lead to a commoditization of these services, reducing the demand for external consultants like OLB, particularly for small and mid-sized merchants who are increasingly able to build and manage their online stores with minimal external help.

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Integrated Financial and Transaction Processing Services, Payment Processing, and Payment Gateway

The USA payment processing solutions market was valued at approximately USD 66.8 billion in 2024 and is projected to reach around USD 198.9 billion by 2034, growing at a compound annual growth rate (CAGR) of 11.7% between 2025 and 2034. Small and medium-sized enterprises (SMEs) are a significant contributor to this market's growth. The United States Payment Gateways market, a component of payment processing, is expected to grow from US$ 8.33 billion in 2023 to US$ 37.55 billion by 2032, with a CAGR of 18.22% from 2024 to 2032.

Crowdfunding Platform

The U.S. crowdfunding market size was estimated at USD 361.7 million in 2024 and is expected to reach USD 2042.9 million by 2035, with a CAGR of around 17.05% from 2025 to 2035. Another source indicates the U.S. crowdfunding market generated a revenue of USD 372.3 million in 2024 and is expected to reach USD 928.6 million by 2030, growing at a CAGR of 16.9% from 2025 to 2030. North America, led by the U.S., held a dominant share of the global crowdfunding market in 2024.

Cloud-Based Business Management Platform

The North America cloud management platform market accounted for the largest market share globally, valued at USD 3,220.6 million in 2023. The global Cloud Management Platform market size was valued at USD 9,357.0 million in 2023 and is projected to grow to USD 31,082.7 million by 2031, exhibiting a CAGR of 18.99%. The U.S. multi-cloud management market alone is expected to reach US$ 14,397.5 million by 2030, with a CAGR of 25.3% from 2023 to 2030.

Cryptocurrency Mining Activities

The U.S. cryptocurrency mining hardware market generated a revenue of USD 628.7 million in 2023 and is expected to reach USD 1,187.1 million by 2030, growing at a CAGR of 9.5% from 2024 to 2030. North America currently holds a significant share of the global cryptocurrency mining market.

Cryptocurrency-Related Lending and Transactional Services

The total size of the crypto lending market, including crypto-backed collateral debt position stablecoins, was USD 36.5 billion as of Q4 2024. North America leads the global crypto-backed lending market, accounting for approximately 38% of the total market size in 2024, with a value of USD 2.96 billion.

Ecommerce Development and Consulting Services

The U.S. e-commerce revenue is estimated to reach approximately USD 1.45 trillion by 2025. The United States e-commerce market size reached USD 1,236.5 billion in 2025 and is expected to reach USD 2,160.3 billion by 2034, exhibiting a CAGR of 6.40% during 2026-2034. The U.S. e-commerce market generated a revenue of USD 7,168.8 million in 2023 and is expected to reach USD 19,380.4 million by 2030.

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

1. Growth in Core Payment Processing Volume and Merchant Base Expansion: The majority of OLB's revenue (97%-98%) comes from transaction processing, and the company has seen revenue increases driven by an increased number of payment processing transactions. OLB is focused on expanding its merchant base through organic growth strategies, as demonstrated by signing new minor league baseball teams as customers in Q1 2024, and through strategic acquisitions and partnerships to expand its FinTech footprint.
2. Expansion into the Unbanked and Underbanked Market: OLB is actively expanding its reach into the unbanked and underbanked market segment through its MOOLA Cloud initiatives, primarily leveraging bodegas and convenience stores. This includes providing mobile services, digital products, mobile top-up, and Point of Banking (POB) services. The company explicitly plans to leverage relationships with over 32,000 bodegas to upsell current payment processing solutions and bring additional products and services to this channel.
3. Contribution from Bitcoin Mining Operations (DMint): Although OLB Group intends to spin off its Bitcoin mining subsidiary, DMint, this segment currently contributes to the company's revenue. OLB's outlook for 2026 anticipates having 5,000 Bitcoin mining machines running and producing bitcoins, indicating expected revenue generation from these operations prior to the planned spinoff.
4. Launch and Scaling of New Fintech Products and Services: OLB is introducing several new offerings to drive future revenue. These include plans to offer micro loans to its merchant base (including the bodega channel), implement Bill Payments, and set up Real-Time Payments (RTP). Additionally, the company launched iStores.com in January 2026, an AI-powered platform designed to eliminate traditional barriers in e-commerce by offering instant online stores and same-day merchant approval.

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Share Repurchases

• In December 2022, OLB Group initiated a share repurchase program authorizing the purchase of up to 1 million shares of its common stock. The company had purchased over 100,000 shares in the open market as of October 2022.

Share Issuance

• In August 2021, OLB Group announced a registered direct offering for the sale of 1,418,605 shares of common stock at $4.30 per share, expecting gross proceeds of approximately $6.1 million.
• As of June 30, 2025, the company fully converted all outstanding notes, loans, and related-party debt into common equity, which eliminated debt and future interest expense.
• In February 2026, OLB Group priced a private placement to raise approximately $3.0 million by selling 2,857,142 common shares (or prefunded warrants) plus warrants to buy 3,571,428 shares at a combined purchase price of $1.05 per share.
• In January 2026, OLB Group entered into an agreement to sell 2,166,666 shares of its common stock at $0.60 per share, raising approximately $1.3 million.

Outbound Investments

• The company is preparing for the spin-off of its Bitcoin mining subsidiary, DMint, Inc., into a standalone publicly traded entity. This separation will result in OLB Group no longer funding DMint's operations, and OLB shareholders will receive 100% of DMint shares on a pro-rata basis.
• DMint plans to use net proceeds from its public offering to acquire additional next-generation mining equipment and expand power and hosting capacity.

Capital Expenditures

• The OLB Group's capitalization policy includes expenditures for land, buildings/facilities acquisitions and new construction, facility renovation and improvement projects costing more than $100,000, land improvement and infrastructure projects costing more than $100,000, equipment costing more than $3,000 with a useful life beyond one year, computer equipment costing more than $5,000, and construction in progress for capital projects with a budget exceeding $100,000.