Kindcard, Inc.

Corporate structure and basics

• Legal name: Kindcard, Inc. (formerly MWF Global Inc.)
• Type: Nevada corporation; subsidiaries: Deb, Inc. and Tendercard, Inc. (wholly owned)
• Fiscal year ends January 31; reported period ends January 31, 2026
• Headquarters: 1001 Yamato Road, #100, Boca Raton, FL 33431
• Phone: (888) 888-0708
• Websites: www.kindcard.com, www.paywithdeb.com, www.thetendercard.com
• Stock: 200,000,000 authorized common shares, par value $0.001; no preferred shares
• Public trading symbol: KCRD (OTC Markets); CUSIP 49452K105

Business overview

Kindcard operates in the FinTech/PayTech sector, offering traditional payment solutions and closed-loop digital wallet services for consumers and businesses worldwide. The company emphasizes mobile wallet technology for point-of-sale transactions and promotes its Pay With Deb platform as a primary growth channel.

Key business units and offerings

• Deb, Inc. (Pay With Deb)

  • Closed-loop payments wallet and merchant platform for in-store and online processing worldwide.
  • Partnerships with Blox (blox.global) and Viacarte (viacarte.com) enable: worldwide B2B, B2C, C2B, and P2P payments; wallet account opening and digital asset storage; funding and use of Virtual and Signature Visa cards issued under Viacarte; debit and credit card transaction processing; open Consumer and Commercial FBO bank accounts; and detailed real-time reporting for businesses and individuals.

• Tendercard, Inc. (Gift Card and Loyalty Platform)

  • Proprietary gift card and loyalty platform for merchants, supporting issuance online and at point-of-sale and replacing paper gift certificates.
  • Tendercard settles gift card purchases directly to the merchant’s account and does not control merchant funds.
  • Integrated with the Bridgepay payment gateway; compatible with Pax, Dejavoo, and other terminals.

Business model and market approach

• Two integrated units provide complementary payment solutions: Deb focuses on open wallet-based and closed-loop payments with digital asset features through strategic partnerships; Tendercard focuses on merchant gift card and loyalty management with direct settlement to merchant accounts.
• Sales strategy emphasizes distribution through resellers and POS software integration with a goal to expand the user base and merchant network over the next two years.
• Market positioning presents an alternative to traditional card networks (Visa/MasterCard) by offering a secure, lower-cost closed-loop solution and a simplified gift card ecosystem.

Recent developments and operations

• Platform upgrades completed for Deb and Tendercard as of mid-2025. Tendercard upgraded servers to support 99.9% uptime for subscribers and expanded customer support with live staff and Zendesk CRM.
• Ongoing integrations with Blox and Viacarte to extend global payments capabilities and card issuance.
• Continued efforts to expand merchant adoption of Pay With Deb and Tendercard offerings ahead of the 2026 holiday season.

Intellectual property and regulatory

• Intellectual property: the company holds no patents and relies on trade secrets, trademarks, and contractual protections.
• Regulation: Deb, Inc. operates under MSB/MTR rules and has engaged a BSA/AML advisor and implemented internal compliance protocols.

Employees and facilities

• Two full-time employees; the company relies on independent contractors and has no collective bargaining agreements.
• Principal executive office located in Boca Raton, Florida.
• No real estate holdings or long-term property leases reported.

Other

• The company states a mission to provide universal access to digital payments for entities, individuals, and governments.
• The filing includes an extensive legal disclaimer regarding forward-looking statements.
• The company identifies itself as a "smaller reporting company."